Société Générale Société anonyme provides financial services in Europe, Asia, Oceania, Africa, and France.
Good value with moderate growth potential.
Share Price & News
How has Société Générale Société anonyme's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: GLE's share price has been volatile over the past 3 months.
7 Day Return
1 Year Return
Return vs Industry: GLE underperformed the French Banks industry which returned -31.1% over the past year.
Return vs Market: GLE underperformed the French Market which returned -8.2% over the past year.
Price Volatility Vs. Market
How volatile is Société Générale Société anonyme's share price compared to the market and industry in the last 5 years?
Simply Wall St News
2 weeks ago | Simply Wall StHow Much Did Société Générale Société anonyme's (EPA:GLE) CEO Pocket Last Year?
1 month ago | Simply Wall StIntroducing Société Générale Société anonyme (EPA:GLE), The Stock That Slid 70% In The Last Three Years
2 months ago | Simply Wall StShould You Think About Buying Société Générale Société anonyme (EPA:GLE) Now?
Is Société Générale Société anonyme undervalued compared to its fair value and its price relative to the market?
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Below Fair Value: GLE (€13.23) is trading above our estimate of fair value (€7.95)
Significantly Below Fair Value: GLE is trading above our estimate of fair value.
Price To Earnings Ratio
PE vs Industry: GLE is good value based on its PE Ratio (7.5x) compared to the Banks industry average (8.4x).
PE vs Market: GLE is good value based on its PE Ratio (7.5x) compared to the French market (14.7x).
Price to Earnings Growth Ratio
PEG Ratio: GLE is good value based on its PEG Ratio (0.1x)
Price to Book Ratio
PB vs Industry: GLE is good value based on its PB Ratio (0.2x) compared to the XE Banks industry average (0.6x).
How is Société Générale Société anonyme forecast to perform in the next 1 to 3 years based on estimates from 15 analysts?
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: GLE's forecast earnings growth (56.7% per year) is above the savings rate (0.6%).
Earnings vs Market: GLE's earnings (56.7% per year) are forecast to grow faster than the French market (13.1% per year).
High Growth Earnings: earnings are expected to grow significantly over the next 3 years.
Revenue vs Market: GLE's revenue (3.4% per year) is forecast to grow slower than the French market (3.9% per year).
High Growth Revenue: GLE's revenue (3.4% 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 (3.1%).
How has Société Générale Société anonyme performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: GLE has high quality earnings.
Growing Profit Margin: GLE's current net profit margins (6.2%) are lower than last year (13.5%).
Past Earnings Growth Analysis
Earnings Trend: GLE's earnings have declined by -6.5% 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 (-57.8%) over the past year, making it difficult to compare to the Banks industry average (-5.5%).
Return on Equity
High ROE: GLE's Return on Equity (4.3%) is considered low.
How is Société Générale Société anonyme's financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Financial Institutions Analysis
Asset Level: GLE's Assets to Equity ratio (22.3x) is very high.
Allowance for Bad Loans: GLE has a low allowance for bad loans (67%).
Low Risk Liabilities: 70% 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 (31%).
Low Risk Deposits: GLE's Loans to Deposits ratio (105%) is appropriate.
Level of Bad Loans: GLE has a high level of bad loans (3.6%).
What is Société Générale Société anonyme's current dividend yield, its reliability and sustainability?
Forecast Dividend Yield
Dividend Yield vs Market
Notable Dividend: Unable to evaluate GLE's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.
High Dividend: Unable to evaluate GLE's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.
Stability and Growth of Payments
Stable Dividend: Insufficient data to determine if GLE's dividends per share have been stable in the past.
Growing Dividend: Insufficient data to determine if GLE's dividend payments have been increasing.
Current Payout to Shareholders
Dividend Coverage: GLE is not paying a notable dividend for the French market.
Future Payout to Shareholders
Future Dividend Coverage: No need to calculate the sustainability of GLE's dividend in 3 years as they are not forecast to pay a notable one for the French market.
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Frédéric Oudéa (56yo)
Mr. Frédéric Oudéa has been the Chief Executive Officer of Société Générale SA/Societe Generale Group since May 13, 2008. Mr. Oudéa has been the President of European Banking Federation since January 1, 20 ...
CEO Compensation Analysis
Compensation vs Market: Frédéric's total compensation ($USD3.94M) is about average for companies of similar size in the French market ($USD3.99M).
Compensation vs Earnings: Frédéric's compensation has been consistent with company performance over the past year.
|CEO & Director||12yrs||€3.54m||0.025% €2.8m|
|Deputy Chief Executive Officer||3.83yrs||€2.10m||0.0018% €196.7k|
|Deputy Chief Executive Officer||12yrs||€1.96m||0.011% €1.3m|
|Deputy Chief Executive Officer||2yrs||€2.13m||0.0025% €284.4k|
|Deputy Chief Executive Officer||2yrs||€2.14m||0.0017% €188.9k|
|Group Chief Financial Officer||2yrs||no data||no data|
|Head of Global Technology Services||3.42yrs||no data||no data|
|Head of Investor Relations and Financial Communication||no data||no data||no data|
|Group Head of Compliance||2.83yrs||no data||no data|
|Group General Counsel||6.33yrs||no data||no data|
Experienced Management: GLE's management team is considered experienced (3.4 years average tenure).
|CEO & Director||12yrs||€3.54m||0.025% €2.8m|
|Group Country Head of Czech Republic & Slovakia||6.75yrs||no data||no data|
|Honorary Chairman of the Board||no data||€6.70k||no data|
|Independent Director||11yrs||€132.23k||0.00012% €13.5k|
|Independent Director||5yrs||€132.23k||0.00014% €15.7k|
|Independent Chairman of the Board||5yrs||€979.38k||0.00026% €29.2k|
|Independent Director||9yrs||€163.88k||0.00013% €14.6k|
|Independent Director||3yrs||€146.51k||0.00026% €29.2k|
|Employee Representative Director||11.17yrs||€146.41k||no data|
|Independent Director||7yrs||€241.11k||0.00012% €13.5k|
Experienced Board: GLE's board of directors are considered experienced (7 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 been diluted in the past year, with total shares outstanding growing by 6%.
Société Générale Société anonyme's company bio, employee growth, exchange listings and data sources
- Name: Société Générale Société anonyme
- Ticker: GLE
- Exchange: ENXTPA
- Founded: 1864
- Industry: Diversified Banks
- Sector: Banks
- Market Cap: €11.243b
- Shares outstanding: 849.66m
- Website: https://www.societegenerale.com
Number of Employees
- Société Générale Société anonyme
- 29, boulevard Haussmann
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|SGE||DB (Deutsche Boerse AG)||Yes||Common Stock||DE||EUR||Jan 1992|
|GLE||ENXTPA (Euronext Paris)||Yes||Common Stock||FR||EUR||Jan 1992|
|0J6Y||LSE (London Stock Exchange)||Yes||Common Stock||GB||EUR||Jan 1992|
|GLE||BIT (Borsa Italiana)||Yes||Common Stock||IT||EUR||Jan 1992|
|SGE||XTRA (XETRA Trading Platform)||Yes||Common Stock||DE||EUR||Jan 1992|
|GLEP||BATS-CHIXE (BATS 'Chi-X Europe')||Yes||Common Stock||GB||EUR||Jan 1992|
|GLE N||BMV (Bolsa Mexicana de Valores)||Yes||Common Stock||MX||MXN||Jan 1992|
|GLE||SWX (SIX Swiss Exchange)||Yes||Common Stock||CH||CHF||Jan 1992|
|GLE||WBAG (Wiener Boerse AG)||Yes||Common Stock||AT||EUR||Jan 1992|
|SCGL.Y||OTCPK (Pink Sheets LLC)||SPON ADR-EACH 5 CNV INTO 1 ORD EUR1.25||US||USD||Aug 1993|
|SGE1||DB (Deutsche Boerse AG)||SPON ADR-EACH 5 CNV INTO 1 ORD EUR1.25||DE||EUR||Aug 1993|
Société Générale Société anonyme provides financial services in Europe, Asia, Oceania, Africa, and France. The company offers retail banking services to individuals, professionals, local authorities, and businesses and non-profit clients under the Societe Generale, Crédit du Nord, and Boursorama Banque brands; and international retail banking and consumer credit services to corporate and individual customers in Europe, Russia, the Mediterranean Basin, and Sub-Saharan Africa. It also provides life, retirement savings scheme, personal protection, group retirement, dependence, annuity, auto and home, personal accident, school, and other insurance products; vendor and equipment finance services; and vehicle leasing and fleet management services. In addition, the company assists corporates, financial institutions, public sector institutions, and family offices in terms of investments, strategic advisory, capital raising, and capital structure optimization; and offers structured finance, advisory, and investment and risk management solutions. Further, it provides payment and cash management, cash clearing and correspondent banking, receivable and supply chain financing, trade financing, and FOREX transaction services; private banking services and wealth management solutions, including financial analysis; and asset management solutions. Additionally, the company offers securities services, such as clearing, custody and trustee, liquidity management, fund administration and asset servicing, fund distribution, and global issuer services, as well as fixed income and currencies services. Société Générale Société anonyme was founded in 1864 and is headquartered in Paris, France.
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2020/05/31 20:54|
|End of Day Share Price||2020/05/29 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.