Investing IdeasBrowse All StocksMarkets
Have your own idea? Try our Stock Screener
Header cover image

French (CAC) Financials Sector Analysis

UpdatedDec 24, 2025
DataAggregated Company Financials
Companies55
  • 7D2.4%
  • 3M5.1%
  • 1Y35.8%
  • YTD32.4%

In the last week, the Financials industry is up 2.2%, with Société Générale Société anonyme up 6.0%. In the last 12 months, the industry was up 36%. Looking forward, earnings are forecast to grow by 7.3% annually.

Sector Valuation and Performance

Has the French Financials Sector valuation changed over the past few years?

DateMarket CapRevenueEarningsPEAbsolute PEPS
Wed, 24 Dec 2025€344.2b€241.9b€31.3b12x11x1.4x
Fri, 21 Nov 2025€312.2b€241.9b€31.3b11.2x10x1.3x
Sun, 19 Oct 2025€326.0b€241.6b€29.9b12.1x10.9x1.3x
Tue, 16 Sep 2025€338.6b€251.3b€32.5b11.8x10.4x1.3x
Thu, 14 Aug 2025€350.9b€251.2b€32.4b12.1x10.8x1.4x
Sat, 12 Jul 2025€340.4b€247.9b€34.5b12.7x9.9x1.4x
Mon, 09 Jun 2025€342.6b€247.9b€34.5b11.5x9.9x1.4x
Wed, 07 May 2025€333.8b€238.5b€32.2b11.2x10.4x1.4x
Fri, 04 Apr 2025€321.7b€233.9b€31.2b9.9x10.3x1.4x
Sun, 02 Mar 2025€314.6b€231.9b€31.8b9.3x9.9x1.4x
Tue, 28 Jan 2025€285.5b€242.0b€31.9b8.9x9x1.2x
Thu, 26 Dec 2024€263.2b€242.0b€31.9b8.1x8.3x1.1x
Sat, 23 Nov 2024€260.2b€230.5b€29.4b7.5x8.9x1.1x
Mon, 21 Oct 2024€278.4b€230.1b€27.5b8.5x10.1x1.2x
Wed, 18 Sep 2024€274.6b€230.1b€27.5b8.2x10x1.2x
Fri, 16 Aug 2024€257.3b€230.0b€27.4b8.9x9.4x1.1x
Sun, 14 Jul 2024€266.5b€224.7b€29.6b8.2x9x1.2x
Tue, 11 Jun 2024€279.7b€224.8b€29.6b8.4x9.5x1.2x
Thu, 09 May 2024€287.1b€225.3b€29.7b9.2x9.7x1.3x
Sat, 06 Apr 2024€278.9b€221.4b€28.1b8.9x9.9x1.3x
Mon, 04 Mar 2024€255.6b€238.6b€29.6b7.2x8.6x1.1x
Wed, 31 Jan 2024€281.7b€311.1b€36.0b9x7.8x0.9x
Fri, 29 Dec 2023€275.5b€311.6b€36.1b9x7.6x0.9x
Sun, 26 Nov 2023€259.4b€311.6b€37.5b8.2x6.9x0.8x
Tue, 24 Oct 2023€253.6b€309.6b€37.0b9x6.9x0.8x
Thu, 21 Sep 2023€275.0b€308.5b€37.0b8.8x7.4x0.9x
Sat, 19 Aug 2023€265.4b€309.4b€37.7b9x7x0.9x
Mon, 17 Jul 2023€267.9b€300.2b€29.7b9.6x9x0.9x
Wed, 14 Jun 2023€269.5b€300.1b€29.7b9.6x9.1x0.9x
Fri, 12 May 2023€274.6b€300.4b€29.4b9x9.3x0.9x
Sun, 09 Apr 2023€274.8b€293.0b€29.1b7.9x9.4x0.9x
Tue, 07 Mar 2023€292.1b€295.4b€31.3b7.1x9.3x1x
Thu, 02 Feb 2023€281.6b€300.3b€31.8b7x8.9x0.9x
Sat, 31 Dec 2022€253.6b€300.3b€31.8b6.3x8x0.8x
Price to Earnings Ratio

8x


Total Market Cap: €253.6bTotal Earnings: €31.8bTotal Revenue: €300.3bTotal Market Cap vs Earnings and Revenue0%0%0%
French Financials Sector Price to Earnings3Y Average 9.1x202320242025
Current Industry PE
  • Investors are optimistic on the French Financials industry, and appear confident in long term growth rates.
  • The industry is trading at a PE ratio of 11.0x which is higher than its 3-year average PE of 9.1x.
  • The 3-year average PS ratio of 1.1x is lower than the industry's current PS ratio of 1.4x.
Past Earnings Growth
  • The earnings for companies in the Financials industry have remained mostly flat over the last three years.
  • Meanwhile revenues for these companies have declined 6.9% per year.
  • This means that the cost of doing business could be reducing since sales have declined but profits have remained steady.

Industry Trends

Which industries have driven the changes within the French Financials sector?

FR Market-0.28%
Financials2.39%
Banks3.10%
Capital Markets1.83%
Insurance1.43%
Mortgage Finance0%0
Consumer Finance0%0
Diversified Financial-0.48%
Industry PE
  • Investors are most optimistic about the Capital Markets industry, which is trading close to its 3-year average PE ratio of 13.5x.
    • Analysts are expecting annual earnings growth of 5.7%, which is lower than the prior year's growth of 8.7% per year.
Forecasted Growth
  • Analysts are most optimistic on the Diversified Financial industry, expecting annual earnings growth of 62% over the next 5 years.
  • This is better than its past earnings growth rate of 48% per year.
  • In contrast, the Insurance industry is expected to see its earnings grow by 3.6% per year over the next few years.

Top Stock Gainers and Losers

Which companies have driven the market over the last 7 days?

CompanyLast Price7D1YValuation
GLE Société Générale Société anonyme€68.226.0%
+€2.8b		157.5%PB0.7x
BNP BNP Paribas€80.612.2%
+€1.7b		40.1%PB0.7x
CS AXA€41.111.4%
+€1.1b		22.5%PE11.7x
ACA Crédit Agricole€17.581.9%
+€1.0b		36.1%PB0.7x
AMUN Amundi€70.002.7%
+€377.0m		10.4%PE8.9x

Latest News

SCR
€28.44
SCOR
7D
2.7%
1Y
22.5%

SCR: Rising Reinsurance Pricing And Margin Discipline Will Support Future Upside

The analyst price target for SCOR has edged higher to EUR 31.76 from EUR 31.98, as analysts factor in a slightly lower discount rate, marginally improved profit margin expectations, and supportive upward target revisions from major brokerage houses. Analyst Commentary Recent Street research reflects a generally constructive stance on SCOR, with multiple upward revisions to price targets alongside one modest downgrade.
PLX
€13.06
Pluxee
7D
-1.4%
1Y
-28.5%

PLX: Future Dividend Stream Will Outweigh Emerging Brazil Regulatory Headwinds

Analysts have trimmed their price target on Pluxee by roughly EUR 1.50 per share. This reflects a slightly higher discount rate on softer revenue growth expectations, partly offset by improved margin and valuation assumptions amid evolving regulatory risks in Brazil.
MF
€80.90
Wendel
7D
-0.2%
1Y
-13.8%

MF: Portfolio Discipline And Monetizations Will Narrow Discount And Drive Upside

Analysts have slightly reduced their price target on Wendel to EUR 111 from EUR 118, reflecting modestly softer long term revenue growth and profit margin assumptions while maintaining a positive view on the shares. Analyst Commentary Bullish analysts view the revised price target as still implying meaningful upside potential, arguing that the shares remain attractively valued relative to the company’s asset base and long term growth prospects.
WLN
€1.59
Worldline
7D
-3.4%
1Y
-80.3%

WLN: Future Margin Rebuild And Cash Generation Are Expected To Unlock Upside

Analysts have trimmed their price target on Worldline modestly as they factor in ongoing negative growth, slightly lower margin expectations, and weaker free cash flow generation, cutting fair value by about EUR 0.04 while keeping the discount rate and long-term growth assumptions largely unchanged. Analyst Commentary Analyst views on Worldline remain divided, with valuation cuts reflecting both lingering operational concerns and selective optimism about potential upside from a low base.
ACA
€17.58
Crédit Agricole
7D
1.9%
1Y
36.1%

ACA: Future Earnings Will Balance Lower Expectations And Medium Term Execution Risks

Analysts have nudged their price target for Crédit Agricole slightly lower, trimming it by around EUR 0.50 to reflect more cautious assumptions on revenue growth while acknowledging resilient profitability and modestly higher valuation multiples ahead. Analyst Commentary Recent Street research reflects a more balanced stance on Crédit Agricole, with modestly lower price targets but no major change in overall ratings, suggesting the stock is seen as fairly valued against realistic growth and return expectations.
BNP
€80.61
BNP Paribas
7D
2.2%
1Y
40.1%

BNP: Digital And Defense Finance Will Shape Balanced Long-Term Risk Reward

BNP Paribas's analyst fair value estimate has been nudged higher to EUR 88.66 from EUR 88.31, as analysts temper top line growth expectations while slightly improving profit margin assumptions following a series of modest price target cuts across the Street. Analyst Commentary Street research on BNP Paribas has turned more mixed, with several houses trimming price targets and one recent downgrade, even as the bank's earnings resilience keeps long term value intact in many models.
CS
€41.11
AXA
7D
1.4%
1Y
22.5%

CS: Lower Discount Rate Will Support Stronger Forward Earnings Appeal

Analysts have nudged their price target on AXA slightly higher to approximately €45.07 from about €45.04, citing a marginally lower discount rate and modest improvements in projected profit margins that together support a slightly richer valuation multiple. Valuation Changes Fair Value has risen slightly from approximately €45.04 to about €45.07, reflecting a marginal uplift in the intrinsic valuation estimate.
RF
€52.75
Eurazeo
7D
-0.5%
1Y
-24.8%
GLE
€68.22
Société Générale Société anonyme
7D
6.0%
1Y
157.5%

GLE Re Rating Will Expose Overoptimistic Profitability Assumptions Through 2027

The analyst fair value estimate for Société Générale Société anonyme has been raised from EUR 38.92 to EUR 53.60 as analysts factor in stronger expected revenue growth and higher profit margins, reflected in a series of recent price target increases across the Street. Analyst Commentary Recent Street research on Société Générale Société anonyme has generally tilted positive, with multiple price target increases and at least one rating upgrade reflecting rising confidence in the bank's earnings power through 2027.
AMUN
€70.00
Amundi
7D
2.7%
1Y
10.4%

AMUN: Distribution Partnerships And Earnings Guidance Will Shape Future Performance Balance

Amundi's analyst price target has inched higher by about EUR 0.70 to EUR 74.50, as analysts modestly upgrade fair value assumptions and future earnings expectations despite continued uncertainty around distribution agreements. Analyst Commentary Recent research updates present a mixed but generally constructive view on Amundi, with price targets moving both higher and lower as analysts reassess growth, distribution risks, and valuation.
ENX
€126.10
Euronext
7D
1.4%
1Y
18.0%

ENX: Share Buybacks And CAC 40 Inclusion Will Drive Renewed Momentum

The analyst price target for Euronext has been nudged higher by approximately EUR 0.20 to reflect slightly stronger expectations for revenue growth and profit margins, with analysts citing a more balanced risk reward profile despite mixed recent target revisions across the Street. Analyst Commentary Recent research updates highlight a more neutral stance on Euronext, with higher conviction that the current share price better reflects the company’s medium term earnings prospects.
VIL
€16.65
VIEL & Cie société anonyme
7D
-0.9%
1Y
53.5%
CIV
€99.26
Caisse régionale de Crédit Agricole Mutuel d'Ille-et-Vilaine Société coopérative
7D
-1.7%
1Y
41.8%
CRLA
€79.01
Caisse Régionale de Crédit Agricole Mutuel du Languedoc Société coopérative
7D
8.1%
1Y
41.3%
CMO
€100.02
Caisse Régionale de Crédit Agricole du Morbihan
7D
-1.9%
1Y
39.9%
PEUG
€74.90
Peugeot Invest Société anonyme
7D
-0.5%
1Y
4.2%