ENXTPA:MLCFM

Stock Analysis Report

CFM Indosuez Wealth Société anonyme

Executive Summary

CFM Indosuez Wealth Société anonyme provides commercial and corporate banking services to individuals, professionals, and businesses and institutions in Monaco.

Snowflake

Excellent balance sheet average dividend payer.

Share Price & News

How has CFM Indosuez Wealth Société anonyme's share price performed over time and what events caused price changes?


Latest Share Price and Events

Stable Share Price: MLCFM has not had significant price volatility in the past 3 months.


Market Performance


7 Day Return

0%

MLCFM

4.7%

FR Banks

1.0%

FR Market


1 Year Return

n/a

MLCFM

-2.5%

FR Banks

14.1%

FR Market

Return vs Industry: Insufficient data to determine how MLCFM performed against the French Banks industry.

Return vs Market: Insufficient data to determine how MLCFM performed against the French Market.


Shareholder returns

MLCFMIndustryMarket
7 Day0%4.7%1.0%
30 Day-12.8%12.2%4.2%
90 Dayn/a15.0%11.0%
1 Yearn/a3.2%-2.5%17.9%14.1%
3 Year-4.3%-16.9%9.7%-7.6%50.3%35.9%
5 Year-5.6%-27.3%31.5%2.2%71.7%46.8%

Price Volatility Vs. Market

How volatile is CFM Indosuez Wealth Société anonyme's share price compared to the market and industry in the last 5 years?


Simply Wall St News

Valuation

Is CFM Indosuez Wealth Société anonyme undervalued compared to its fair value and its price relative to the market?

>50%

Undervalued compared to fair value


Share Price vs. Fair Value

Below Fair Value: MLCFM (€785) is trading below our estimate of fair value (€12774.26)

Significantly Below Fair Value: MLCFM is trading below fair value by more than 20%.


Price To Earnings Ratio

PE vs Industry: Insufficient data to calculate MLCFM's PE Ratio to determine if it is good value compared to the Banks industry average.

PE vs Market: Insufficient data to calculate MLCFM's PE Ratio to determine if it is good value compared to the French market.


Price to Earnings Growth Ratio

PEG Ratio: Insufficient data to calculate MLCFM's PEG Ratio to determine if it is good value.


Price to Book Ratio

PB vs Industry: Insufficient data to calculate MLCFM's PB Ratio to determine if it is good value.


Next Steps

Future Growth

How is CFM Indosuez Wealth Société anonyme forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?

-0.4%

Forecasted annual earnings growth


Earnings and Revenue Growth Forecasts


Analyst Future Growth Forecasts

Earnings vs Savings Rate: MLCFM's earnings are forecast to decline over the next 3 years (-0.4% per year).

Earnings vs Market: MLCFM's earnings are forecast to decline over the next 3 years (-0.4% per year).

High Growth Earnings: MLCFM's earnings are forecast to decline over the next 3 years.

Revenue vs Market: Insufficient data to determine if MLCFM's revenue is forecast to grow faster than the French market.

High Growth Revenue: Insufficient data to determine if MLCFM's revenue is forecast to grow faster than 20% per year.


Earnings per Share Growth Forecasts


Future Return on Equity

Future ROE: Insufficient data to determine if MLCFM's Return on Equity is forecast to be high in 3 years time


Next Steps

Past Performance

How has CFM Indosuez Wealth Société anonyme performed over the past 5 years?

-7.6%

Historical annual earnings growth


Earnings and Revenue History

Quality Earnings: MLCFM has high quality earnings.

Growing Profit Margin: MLCFM's current net profit margins (19.3%) are lower than last year (24.1%).


Past Earnings Growth Analysis

Earnings Trend: MLCFM's earnings have declined by -7.6% per year over the past 5 years.

Accelerating Growth: MLCFM's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.

Earnings vs Industry: MLCFM had negative earnings growth (-21.1%) over the past year, making it difficult to compare to the Banks industry average (1.1%).


Return on Equity

High ROE: MLCFM's Return on Equity (6.9%) is considered low.


Return on Assets


Return on Capital Employed


Next Steps

Financial Health

How is CFM Indosuez Wealth 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


Balance Sheet

Inventory Level: MLCFM has a low level of unsold assets or inventory.

Debt Coverage by Assets: MLCFM's debt is covered by short term assets (assets are 25.3x debt).


Financial Institutions Analysis

Asset Level: MLCFM's level of assets compared to its equity is moderate.

Allowance for Bad Loans: MLCFM has a low allowance for bad loans.

Low Risk Liabilities: MLCFM's liabilities are made up of primarily low risk sources of funding.

Loan Level: MLCFM has an acceptable proportion of non-loan assets held.

Low Risk Deposits: MLCFM's loans are broadly funded by customer deposits.

Level of Bad Loans: MLCFM has an appropriate level of bad loans (0.86%)


Next Steps

Dividend

What is CFM Indosuez Wealth Société anonyme's current dividend yield, its reliability and sustainability?

5.66%

Current Dividend Yield


Dividend Yield vs Market

company5.7%marketbottom25%1.5%markettop25%4.5%industryaverage6.1%forecastin3Yearsn/a

Current dividend yield vs market & industry

Notable Dividend: MLCFM's dividend (5.66%) is higher than the bottom 25% of dividend payers in the French market (1.49%).

High Dividend: MLCFM's dividend (5.66%) is in the top 25% of dividend payers in the French market (4.52%)


Stability and Growth of Payments

Stable Dividend: MLCFM's dividends per share have been stable in the past 10 years.

Growing Dividend: MLCFM's dividend payments have increased over the past 10 years.


Current Payout to Shareholders

Dividend Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.


Future Payout to Shareholders

Future Dividend Coverage: Insufficient data to determine if a dividend will be paid in 3 years and that it will be covered by earnings.


Next Steps

Management

What is the CEO of CFM Indosuez Wealth Société anonyme's salary, the management and board of directors tenure and is there insider trading?

0.9yrs

Average management tenure


CEO

Mathieu Ferragut 0

0.9yrs

Tenure

0

Mr. Mathieu Ferragut has been Chief Executive Officer of CFM Indosuez Wealth Management SA since December 3, 2018. Mr. Ferragut has been Chief Executive Officer of CFM Indosuez Wealth Management since 2018 ...


Management Age and Tenure

0.9yrs

Average Tenure

Experienced Management: MLCFM's management team is not considered experienced ( 0.9 years average tenure), which suggests a new team.


Board Age and Tenure

6.0yrs

Average Tenure

69.5yo

Average Age

Experienced Board: MLCFM's board of directors are considered experienced (6 years average tenure).


Insider Trading

Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.


Management Team

  • Yves Braccalenti

    Head of Development

    • Tenure: 0yrs
  • Ariel Barugel

    Head of Human Resources

    • Tenure: 0yrs
  • Grégoire Faure

    Customer Director

    • Tenure: 0yrs
  • Marie-Odile Joris

    Corporate Secretary

    • Tenure: 0yrs
  • Pierre Masclet

    Deputy Chief Executive Officer

    • Tenure: 0yrs
  • Mathieu Ferragut

    Chief Executive Officer

    • Tenure: 0.9yrs
  • Stéphane Herpe

    Head of Markets

    • Tenure: 0yrs
  • Vincent Thomas

    Deputy CEO and Head of Finance

    • Tenure: 6.8yrs
  • Omar Shokur

    CEO of Asia & Branch Manager for Singapore

    • Tenure: 0.3yrs

Board Members

  • Yves Barsalou (87yo)

    Honorary Chairman

    • Tenure: 0yrs
  • Jean-Marie Sander (70yo)

    Chairman of the Board

    • Tenure: 0yrs
  • Georges Mazaud

    Honorary Chairman

    • Tenure: 0yrs
  • Michel Cresp

    Director

    • Tenure: 0yrs
  • Bastien Charpentier

    Director

    • Tenure: 1.2yrs
  • Jean Delamalle

    Director

    • Tenure: 9.5yrs
  • Andrée Samat (69yo)

    Director

    • Tenure: 9.5yrs
  • François Veverka (67yo)

    Director

    • Tenure: 0yrs
  • Hervé Husson

    Director

    • Tenure: 2.5yrs
  • Jacques Prost

    Director

    • Tenure: 0yrs

Company Information

CFM Indosuez Wealth Société anonyme's company bio, employee growth, exchange listings and data sources


Key Information

  • Name: CFM Indosuez Wealth Société anonyme
  • Ticker: MLCFM
  • Exchange: ENXTPA
  • Founded: 1922
  • Industry: Diversified Banks
  • Sector: Banks
  • Market Cap: €449.805m
  • Shares outstanding: 573.00k
  • Website: https://www.ca-indosuez.com/monaco/fr

Number of Employees


Location

  • CFM Indosuez Wealth Société anonyme
  • 11, boulevard Albert 1er
  • Monaco
  • Monaco

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
MLCFMENXTPA (Euronext Paris)YesShare CapitalFREURJan 1992

Biography

CFM Indosuez Wealth Société anonyme provides commercial and corporate banking services to individuals, professionals, and businesses and institutions in Monaco. It offers loans, savings products, insurance ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/11/12 20:42
End of Day Share Price2019/11/01 00:00
Earnings2018/12/31
Annual Earnings2018/12/31


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.