GLE Stock Overview
Société Générale Société anonyme provides financial services to individual, business, and institutional investors in Europe and internationally.
Société Générale Société anonyme Competitors
Price History & Performance
|Historical stock prices|
|Current Share Price||€22.77|
|52 Week High||€37.68|
|52 Week Low||€18.34|
|1 Month Change||9.34%|
|3 Month Change||3.50%|
|1 Year Change||-17.31%|
|3 Year Change||2.22%|
|5 Year Change||-51.77%|
|Change since IPO||41.41%|
Recent News & Updates
|GLE||FR Banks||FR Market|
Return vs Industry: GLE underperformed the French Banks industry which returned -14.2% over the past year.
Return vs Market: GLE underperformed the French Market which returned -6.7% over the past year.
|GLE Average Weekly Movement||5.4%|
|Banks Industry Average Movement||3.5%|
|Market Average Movement||5.0%|
|10% most volatile stocks in FR Market||9.0%|
|10% least volatile stocks in FR Market||2.9%|
Stable Share Price: GLE is not significantly more volatile than the rest of French stocks over the past 3 months, typically moving +/- 5% a week.
Volatility Over Time: GLE's weekly volatility (5%) has been stable over the past year.
About the Company
Société Générale Société anonyme provides financial services to individual, business, and institutional investors in Europe and internationally. It offers retail banking services under the Societe Generale, Credit du Nord, and Boursorama brand names; and insurance, investor, and other financial services. The company was founded in 1864 and is based in Paris, France.
Société Générale Société anonyme Fundamentals Summary
|GLE fundamental statistics|
Is GLE overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|GLE income statement (TTM)|
|Cost of Revenue||€0|
Last Reported Earnings
Jun 30, 2022
Next Earnings Date
Nov 04, 2022
|Earnings per share (EPS)||2.27|
|Net Profit Margin||6.91%|
How did GLE perform over the long term?See historical performance and comparison
7.2%Current Dividend Yield
Is GLE undervalued compared to its fair value, analyst forecasts and its price relative to the market?
Valuation Score 4/6
Price-To-Earnings vs Peers
Price-To-Earnings vs Industry
Price-To-Earnings vs Fair Ratio
Below Fair Value
Significantly Below Fair Value
Key Valuation Metric
Which metric is best to use when looking at relative valuation for GLE?
Other financial metrics that can be useful for relative valuation.
|What is GLE's n/a Ratio?|
Price to Earnings Ratio vs Peers
How does GLE's PE Ratio compare to its peers?
|GLE PE Ratio vs Peers|
|Company||PE||Estimated Growth||Market Cap|
ACA Crédit Agricole
BNP BNP Paribas
MLCFM CFM Indosuez Wealth Management
CAF Caisse Régionale de Crédit Agricole Mutuel de Paris et d'Ile-de-France
GLE Société Générale Société anonyme
Price-To-Earnings vs Peers: GLE is expensive based on its Price-To-Earnings Ratio (10x) compared to the peer average (9.4x).
Price to Earnings Ratio vs Industry
How does GLE's PE Ratio compare vs other companies in the European Banks Industry?
Price-To-Earnings vs Industry: GLE is expensive based on its Price-To-Earnings Ratio (10x) compared to the French Banks industry average (5.1x)
Price to Earnings Ratio vs Fair Ratio
What is GLE's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.
|Current PE Ratio||10x|
|Fair PE Ratio||15.6x|
Price-To-Earnings vs Fair Ratio: GLE is good value based on its Price-To-Earnings Ratio (10x) compared to the estimated Fair Price-To-Earnings Ratio (15.6x).
Share Price vs Fair Value
What is the Fair Price of GLE when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.
Below Fair Value: GLE (€22.77) is trading below our estimate of fair value (€53.27)
Significantly Below Fair Value: GLE is trading below fair value by more than 20%.
Analyst Price Targets
What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?
Analyst Forecast: Target price is more than 20% higher than the current share price and analysts are within a statistically confident range of agreement.
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How is Société Générale Société anonyme forecast to perform in the next 1 to 3 years based on estimates from 16 analysts?
Future Growth Score3/6
Future Growth Score 3/6
Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: GLE's forecast earnings growth (44% per year) is above the savings rate (0.3%).
Earnings vs Market: GLE's earnings (44% per year) are forecast to grow faster than the French market (11.5% per year).
High Growth Earnings: GLE's earnings are expected to grow significantly over the next 3 years.
Revenue vs Market: GLE's revenue (2.1% per year) is forecast to grow slower than the French market (5.3% per year).
High Growth Revenue: GLE's revenue (2.1% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: GLE's Return on Equity is forecast to be low in 3 years time (8.5%).
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How has Société Générale Société anonyme performed over the past 5 years?
Past Performance Score1/6
Past Performance Score 1/6
Growing Profit Margin
Earnings vs Industry
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: GLE has high quality earnings.
Growing Profit Margin: GLE's current net profit margins (6.9%) are lower than last year (13.3%).
Past Earnings Growth Analysis
Earnings Trend: GLE's earnings have declined by 1.3% per year over the past 5 years.
Accelerating Growth: GLE's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: GLE had negative earnings growth (-37%) over the past year, making it difficult to compare to the Banks industry average (56.3%).
Return on Equity
High ROE: GLE's Return on Equity (5.1%) is considered low.
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How is Société Générale Société anonyme's financial position? (This company is analysed differently as a bank or financial institution)
Financial Health Score2/6
Financial Health Score 2/6
Allowance for Bad Loans
Low Risk Liabilities
Low Risk Deposits
Level of Bad Loans
Financial Position Analysis
Debt to Equity History and Analysis
Financial Institutions Analysis
Asset Level: GLE's Assets to Equity ratio (21.9x) is very high.
Allowance for Bad Loans: GLE has a low allowance for bad loans (68%).
Low Risk Liabilities: 65% of GLE's liabilities are made up of primarily higher risk sources of funding.
Loan Level: GLE has an appropriate level of Loans to Assets ratio (33%).
Low Risk Deposits: GLE's Loans to Deposits ratio (98%) is appropriate.
Level of Bad Loans: GLE has a high level of bad loans (3.3%).
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What is Société Générale Société anonyme current dividend yield, its reliability and sustainability?
Dividend Score 4/6
Future Dividend Coverage
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: GLE's dividend (7.25%) is higher than the bottom 25% of dividend payers in the French market (1.68%).
High Dividend: GLE's dividend (7.25%) is in the top 25% of dividend payers in the French market (5.27%)
Stability and Growth of Payments
Stable Dividend: GLE has been paying a dividend for less than 10 years and during this time payments have been volatile.
Growing Dividend: GLE's dividend payments have increased, but the company has only paid a dividend for 9 years.
Current Payout to Shareholders
Earnings Coverage: With its reasonable payout ratio (67.6%), GLE's dividend payments are covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: GLE's dividends in 3 years are forecast to be well covered by earnings (31.9% payout ratio).
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How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Frederic Oudea (59 yo)
Mr. Frederic Oudea has been the Chief Executive Officer and Managing Director of Société Générale SA since May 13, 2008. He served as Chairman of the French Banking Federation at Crédit Agricole SA until S...
CEO Compensation Analysis
Compensation vs Market: Frederic's total compensation ($USD3.82M) is about average for companies of similar size in the French market ($USD3.82M).
Compensation vs Earnings: Frederic's compensation has increased by more than 20% whilst company earnings have fallen more than 20% in the past year.
Experienced Management: GLE's management team is considered experienced (3 years average tenure).
Experienced Board: GLE's board of directors are considered experienced (8.3 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Société Générale Société anonyme's employee growth, exchange listings and data sources
- Name: Société Générale Société anonyme
- Ticker: GLE
- Exchange: ENXTPA
- Founded: 1864
- Industry: Diversified Banks
- Sector: Banks
- Implied Market Cap: €18.845b
- Shares outstanding: 827.64m
- Website: https://www.societegenerale.com
Number of Employees
- Société Générale Société anonyme
- 29, boulevard Haussmann
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2022/08/07 00:00|
|End of Day Share Price||2022/08/05 00:00|
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.