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CFM Indosuez Wealth Société anonyme

ENXTPA:MLCFM
Snowflake Description

Adequate balance sheet second-rate dividend payer.

The Snowflake is generated from 30 checks in 5 different areas, read more below.
MLCFM
ENXTPA
€619M
Market Cap
  1. Home
  2. FR
  3. Banks
Company description

CFM Indosuez Wealth Société anonyme provides commercial and corporate banking services to individuals, professionals, and businesses and institutions in Monaco. The last earnings update was 310 days ago. More info.


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MLCFM Share Price and Events
7 Day Returns
0%
ENXTPA:MLCFM
4.9%
FR Banks
1.3%
FR Market
1 Year Returns
8%
ENXTPA:MLCFM
-22%
FR Banks
3.6%
FR Market
MLCFM Shareholder Return
  7 Day 30 Day 90 Day 1 Year 3 Year 5 Year
CFM Indosuez Wealth Société anonyme (MLCFM) 0% 13.1% 11.9% 8% 16.1% 27.1%
FR Banks 4.9% 10.3% 13.8% -22% 2.6% -11.3%
FR Market 1.3% 3.8% 14.3% 3.6% 28.9% 33.6%
1 Year Return vs Industry and Market
  • MLCFM outperformed the Banks industry which returned -22% over the past year.
  • MLCFM outperformed the Market in France which returned 3.6% over the past year.
Price Volatility
MLCFM
Industry
5yr Volatility vs Market
Related Companies

Sorry, no analysis for CFM Indosuez Wealth Société anonyme's competitors could be found in our database.

MLCFM Value

 Is CFM Indosuez Wealth Société anonyme undervalued based on future cash flows and its price relative to the stock market?

Value is all about what a company is worth versus what price it is available for. If you went into a grocery store and all the bananas were on sale at half price, they could be considered undervalued.
INTRINSIC VALUE BASED ON FUTURE CASH FLOWS
Here we compare the current share price of CFM Indosuez Wealth Société anonyme to its discounted cash flow analysis.value.

The discounted cash flow value is simply looking at what the company is worth today, based on estimates of how much money it is expected to make in the future.
Raw Data

Below are the data sources, inputs and calculation used to determine the intrinsic value for CFM Indosuez Wealth Société anonyme.

ENXTPA:MLCFM Discounted Cash Flow Data Sources
Data Point Source Value
Valuation Model Excess Returns Model
Stable EPS Median Return on Equity from the past 5 years.
= Stable Book Value * Return on Equity
= €557.44 * 13.4%
€74.44
Book Value of Equity per Share Median Book Value from the past 5 years. €557.44
Discount Rate (Cost of Equity) See below 7.8%
Perpetual Growth Rate 10-Year FR Government Bond Rate 0.7%

An important part of a discounted cash flow is the discount rate, below we explain how it has been calculated.

Calculation of Discount Rate/ Cost of Equity for ENXTPA:MLCFM
Data Point Calculation/ Source Result
Risk-Free Rate 10-Year FR Govt Bond Rate 0.7%
Equity Risk Premium S&P Global 6%
Banks Unlevered Beta Simply Wall St/ S&P Global 0.59
Re-levered Beta = Unlevered beta (1 + (1- tax rate) (Debt/Equity))
= 0.593 (1 + (1- 33%) (0.56%))
1.188
Levered Beta Levered Beta limited to 0.8 to 2.0
(practical range for a stable firm)
1.19
Discount Rate/ Cost of Equity = Cost of Equity = Risk Free Rate + (Levered Beta * Equity Risk Premium)
= 0.73% + (1.188 * 5.96%)
7.81%

Discounted Cash Flow Calculation for ENXTPA:MLCFM using Excess Returns Model Model

The calculations below outline how an intrinsic value for CFM Indosuez Wealth Société anonyme is arrived at using the Excess Return Model. This approach is used for finance firms where free cash flow is difficult to estimate.

In the Excess Return Model the value of a firm can be written as the sum of capital invested currently in the firm and the present value of excess returns that the firm expects to make in the future.

The model is sensitive to the Return on Equity of the company versus the Cost of Equity, how these are calculated is detailed below the main calculation.

Note the calculations below are per share.

See our documentation to learn about this calculation.

ENXTPA:MLCFM Value of Excess Returns
Calculation Result
Excess Returns = (Stable Return on equity – Cost of equity) (Book Value of Equity per share)
= (13.4% – 7.81%) * €557.44)
€30.90
Terminal Value of Excess Returns = Excess Returns / (Cost of Equity - Expected Growth Rate)
= €30.90 / (7.81% - 0.73%)
€436.50
Value of Equity = Book Value per share + Terminal Value of Excess Returns
= €557.44 + €436.50
€993.93
ENXTPA:MLCFM Discount to Share Price
Calculation Result
Value per share (EUR) From above. €993.93
Current discount Discount to share price of €1,080.00
= -1 x (€1,080.00 - €993.93) / €993.93
-8.7%

Learn more about our DCF calculations in Simply Wall St’s analysis model .

  • The current share price of CFM Indosuez Wealth Société anonyme is above its future cash flow value.
Often investors are willing to pay a premium for a company that has a high dividend or the potential for future growth.
PRICE RELATIVE TO MARKET
We can also value a company based on what the stock market is willing to pay for it. This is similar to the price of fruit (e.g. Mangoes or Avocados) increasing when they are out of season, or how much your home is worth.

The amount the stock market is willing to pay for CFM Indosuez Wealth Société anonyme's earnings, growth and assets is considered below, and whether this is a fair price.
Price based on past earnings
Are CFM Indosuez Wealth Société anonyme's earnings available for a low price, and how does this compare to other companies in the same industry?
Raw Data
ENXTPA:MLCFM PE (Price to Earnings) Ratio Data Sources
Data Point Source Value
Earnings Per Share * Company Filings (2017-12-31) in EUR €49.38
ENXTPA:MLCFM Share Price ** ENXTPA (2019-03-29) in EUR €1080
France Banks Industry PE Ratio Median Figure of 5 Publicly-Listed Banks Companies 8.99x
France Market PE Ratio Median Figure of 418 Publicly-Listed Companies 16.34x

* Trailing twelve months (TTM) annual GAAP earnings per share excluding extraordinary items.

** Primary Listing of CFM Indosuez Wealth Société anonyme.

ENXTPA:MLCFM PE (Price to Earnings) Ratio Calculation
Calculation Outcome
PE Ratio

= ENXTPA:MLCFM Share Price ÷ EPS (both in EUR)

= 1080 ÷ 49.38

21.87x

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • CFM Indosuez Wealth Société anonyme is overvalued based on earnings compared to the FR Banks industry average.
  • CFM Indosuez Wealth Société anonyme is overvalued based on earnings compared to the France market.
Price based on expected Growth
Does CFM Indosuez Wealth Société anonyme's expected growth come at a high price?
Raw Data
ENXTPA:MLCFM PEG (Price to Earnings to Growth) Ratio Data Sources
Data Point Source Value
PE Ratio See PE Ratio Section 21.87x
Net Income Annual Growth Rate See Future Growth Section.
Line of Best Fit* through Consensus Estimate Earnings of 0 Analysts
Not available
Europe Banks Industry PEG Ratio Median Figure of 112 Publicly-Listed Banks Companies 0.83x
France Market PEG Ratio Median Figure of 271 Publicly-Listed Companies 1.51x

*Line of best fit is calculated by linear regression .

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Unable to calculate PEG ratio for CFM Indosuez Wealth Société anonyme, we can't assess if its growth is good value.
Price based on value of assets
What value do investors place on CFM Indosuez Wealth Société anonyme's assets?
Raw Data
ENXTPA:MLCFM PB (Price to Book) Ratio Data Sources
Data Point Source Value
Book Value per Share Company Filings (2017-12-31) in EUR €565.12
ENXTPA:MLCFM Share Price * ENXTPA (2019-03-29) in EUR €1080
France Banks Industry PB Ratio Median Figure of 5 Publicly-Listed Banks Companies 0.6x
France Market PB Ratio Median Figure of 618 Publicly-Listed Companies 1.49x
ENXTPA:MLCFM PB (Price to Book) Ratio Calculation
Calculation Outcome
PB Ratio

= ENXTPA:MLCFM Share Price ÷ Book Value per Share (both in EUR)

= 1080 ÷ 565.12

1.91x

* Primary Listing of CFM Indosuez Wealth Société anonyme.

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • CFM Indosuez Wealth Société anonyme is overvalued based on assets compared to the FR Banks industry average.
X
Value checks
We assess CFM Indosuez Wealth Société anonyme's value by looking at:
  1. Is the discounted cash flow value less than 20%, or 40% of the share price? (2 checks) ( Click here or on bar chart for details of DCF calculation. )
  2. Is the PE ratio less than the market average, and/ or less than the Banks industry average (and greater than 0)? (2 checks)
  3. Is the PEG ratio within a reasonable range (0 to 1)? (1 check)
  4. Is the PB ratio less than the Banks industry average (and greater than 0)? (1 check)
  5. CFM Indosuez Wealth Société anonyme has a total score of 0/6, see the detailed checks below.

    Note: We use GAAP Earnings per Share in all our calculations including PE and PEG Ratio.

    Full details on the Value part of the Simply Wall St company analysis model.

MLCFM Future Performance

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

In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as CFM Indosuez Wealth Société anonyme has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.

This is quite a rare situation as 97% of companies covered by Simply Wall St do have past financial data. You can see them here.

Show me the analysis anyway

The future performance of a company is measured in the same way as past performance, by looking at estimated growth and how much profit it is expected to make.

Future estimates come from professional analysts. Just like forecasting the weather, they don’t always get it right!
Annual Growth Rate
8%
Expected Banks industry annual growth in earnings.
Earnings growth vs Low Risk Savings
Is CFM Indosuez Wealth Société anonyme expected to grow at an attractive rate?
  • Unable to compare CFM Indosuez Wealth Société anonyme's earnings growth to the low risk savings rate as no estimate data is available.
Growth vs Market Checks
  • Unable to compare CFM Indosuez Wealth Société anonyme's earnings growth to the France market average as no estimate data is available.
  • Unable to compare CFM Indosuez Wealth Société anonyme's revenue growth to the France market average as no estimate data is available.
Annual Growth Rates Comparison
Raw Data
ENXTPA:MLCFM Future Growth Rates Data Sources
Data Point Source Value (per year)
Europe Banks Industry Earnings Growth Rate Market Cap Weighted Average 8%
Europe Banks Industry Revenue Growth Rate Market Cap Weighted Average 5.3%
France Market Earnings Growth Rate Market Cap Weighted Average 13.4%
France Market Revenue Growth Rate Market Cap Weighted Average 4.9%

*Line of best fit is calculated by linear regression .

Industry and Market average data is calculated daily.

Learn more about our growth rate calculations in Simply Wall St’s analysis model.

Analysts growth expectations
Raw Data
ENXTPA:MLCFM Analysts Growth Expectations Data Sources
Data Point Source Value
Past Financials Company Filings (1 year ago) See Below
Future Estimates Average of up to 0 Analyst Estimates (S&P Global) See Below
All numbers in EUR Millions and using Trailing twelve months (TTM) annual period rather than quarterly.
ENXTPA:MLCFM Past Financials Data
Date (Data in EUR Millions) Revenue Cash Flow Net Income *
2017-12-31 120 28
2016-12-31 123 45
2015-12-31 122 47

*GAAP earnings excluding extraordinary items.

Super high growth metrics
High Growth Checks
  • Unable to determine if CFM Indosuez Wealth Société anonyme is high growth as no earnings estimate data is available.
  • Unable to determine if CFM Indosuez Wealth Société anonyme is high growth as no revenue estimate data is available.
Past and Future Earnings per Share
The accuracy of the analysts who estimate the future performance data can be gauged below. We look back 3 years and see if they were any good at predicting what actually occurred. We also show the highest and lowest estimates looking forward to see if there is a wide range.
Raw Data
ENXTPA:MLCFM Past and Future Earnings per Share
Data Point Source Value
Past Financials Company Filings (1 year ago) See Below
Future Estimates Average of up to 0 Analyst Estimates (S&P Global) See Below

All data from CFM Indosuez Wealth Société anonyme Company Filings, last reported 1 year ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

ENXTPA:MLCFM Past Financials Data
Date (Data in EUR Millions) EPS *
2017-12-31 49.38
2016-12-31 78.54
2015-12-31 82.22

*GAAP earnings excluding extraordinary items.

Performance in 3 years
In the same way as past performance we look at the future estimated return (profit) compared to the available funds. We do this looking forward 3 years.
  • Unable to establish if CFM Indosuez Wealth Société anonyme will efficiently use shareholders’ funds in the future without estimates of Return on Equity.

Next steps:

  1. Examine CFM Indosuez Wealth Société anonyme's financial health to determine how well-positioned it is against times of financial stress by looking at its level of debt over time and how much cash it has left.
  2. CFM Indosuez Wealth Société anonyme's future outlook can be gauged by looking at industry trends and market size, and determining how well-positioned the company is compared to its competitors. Take a look at other high-growth Banks companies here
  3. CFM Indosuez Wealth Société anonyme's competitive advantages and company strategy can generally be found in its financial reports archived here.
  4. Use fundamentals to screen for another stock to analyse from our database of over 75,000 companies worldwide
X
Future performance checks
We assess CFM Indosuez Wealth Société anonyme's future performance by looking at:
  1. Is the annual earnings growth rate expected to beat the low risk savings rate, plus a premium to keep pace with inflation?
  2. Is the annual earnings growth rate expected to beat the average growth rate in earnings of the Europe market? (1 check)
  3. Is the annual revenue growth rate expected to beat the average growth rate in revenue of the Europe market? (1 check)
  4. Is the annual earnings growth rate expected to be above 20%? (1 check)
  5. Is the annual revenue growth rate expected to be above 20%? (1 check)
  6. Is the Return on Equity in 3 years expected to be over 20%? (1 check)
Some of the above checks will fail if the company is expected to be loss making in the relevant year.
CFM Indosuez Wealth Société anonyme has a total score of 0/6, see the detailed checks below.

Note 1: We use GAAP Net Income Excluding Exceptional Items for our Earnings in all our calculations.

Full details on the Future part of the Simply Wall St company analysis model.

MLCFM Past Performance

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

  • CFM Indosuez Wealth Société anonyme's last earnings update was 310 days ago.
The past performance of a company can be measured by how much growth it has experienced and how much profit it makes relative to the funds and assets it has available.
Past earnings growth
Below we compare CFM Indosuez Wealth Société anonyme's growth in the last year to its industry (Banks).
Past Earnings growth analysis
We also check if the company has grown in the past 5 years, and whether it has maintained that growth in the year.
  • Insufficient data to establish if CFM Indosuez Wealth Société anonyme's year on year earnings growth rate was positive over the past 5 years.
  • CFM Indosuez Wealth Société anonyme's 1-year earnings growth is negative, it can't be compared to the 5-year average.
  • CFM Indosuez Wealth Société anonyme's 1-year earnings growth is negative, it can't be compared to the FR Banks industry average.
Earnings and Revenue History
CFM Indosuez Wealth Société anonyme's revenue and profit over the past 5 years is shown below, any years where they have experienced a loss will show up in red.
Raw Data

All data from CFM Indosuez Wealth Société anonyme Company Filings, last reported 1 year ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

ENXTPA:MLCFM Past Revenue, Cash Flow and Net Income Data
Date (Data in EUR Millions) Revenue Net Income * G+A Expenses R&D Expenses
2017-12-31 119.92 28.30 2.79
2016-12-31 123.40 45.00 2.82
2015-12-31 122.40 47.11 3.26
2014-12-31 111.66 40.31 3.17
2013-12-31 107.03 35.18 7.13
2012-12-31 113.99 45.36 7.05

*GAAP earnings excluding extraordinary items.

Performance last year
We want to ensure a company is making the most of what it has available. This is done by comparing the return (profit) to a company's available funds, assets and capital.
  • CFM Indosuez Wealth Société anonyme has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).
  • CFM Indosuez Wealth Société anonyme used its assets more efficiently than the FR Banks industry average last year based on Return on Assets.
  • Unable to establish if CFM Indosuez Wealth Société anonyme improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.
X
Past performance checks
We assess CFM Indosuez Wealth Société anonyme's performance over the past 5 years by checking for:
  1. Has earnings increased in past 5 years? (1 check)
  2. Has the earnings growth in the last year exceeded that of the Banks industry? (1 check)
  3. Is the recent earnings growth over the last year higher than the average annual growth over the past 5 years? (1 check)
  4. Is the Return on Equity (ROE) higher than 20%? (1 check)
  5. Is the Return on Assets (ROA) above industry average? (1 check)
  6. Has the Return on Capital Employed (ROCE) increased from 3 years ago? (1 check)
The above checks will fail if the company has reported a loss in the most recent earnings report. Some checks require at least 3 or 5 years worth of data.
CFM Indosuez Wealth Société anonyme has a total score of 1/6, see the detailed checks below.

Note: We use GAAP Net Income excluding extraordinary items in all our calculations.

Full details on the Past part of the Simply Wall St company analysis model.

MLCFM Health

 How is CFM Indosuez Wealth Société anonyme's financial position? (This company is analysed differently as a bank or financial institution)

This company is a bank or financial institution.

Fundamentally a bank's business is based upon borrowing and lending money, for this reason they typically have high levels of debt and we analyse them differently.
Net Worth
Balance sheet
This treemap shows a more detailed breakdown of CFM Indosuez Wealth Société anonyme's finances. If any of them are yellow this indicates they may be out of proportion and red means they relate to one of the checks below.
Assets
Liabilities and shares
The 'shares' portion represents any funds contributed by the owners (shareholders) and any profits.
Historical Debt
Nearly all companies have debt. Debt in itself isn’t bad, however if the debt is too high, or the company can’t afford to pay the interest on its debts this may have impacts in the future.

The graphic below shows equity (available funds) and debt, we ideally want to see the red area (debt) decreasing.

If there is any debt we look at the companies capability to repay it, and whether the level has increased over the past 5 years.
Raw Data

All data from CFM Indosuez Wealth Société anonyme Company Filings, last reported 1 year ago.

ENXTPA:MLCFM Past Debt and Equity Data
Date (Data in EUR Millions) Total Equity Total Debt Cash & Short Term Investments
2017-12-31 323.82 3.49 66.06
2016-12-31 327.04 14.56 59.96
2015-12-31 315.01 0.00 43.56
2014-12-31 276.92 0.00 44.06
2013-12-31 280.38 0.00 22.20
2012-12-31 274.69 0.00 39.99
BANK ANALYSIS

This company is a bank or financial institution, which is analysed accordingly below.

Below we check the amount of loans the bank has, how many of those are bad, and its ability to cover any bad loans.
  • CFM Indosuez Wealth Société anonyme has an acceptable proportion of non-loan assets held.
  • CFM Indosuez Wealth Société anonyme's liabilities are made up of primarily low risk sources of funding.
  • Loans at CFM Indosuez Wealth Société anonyme are broadly funded by customer deposits.
  • CFM Indosuez Wealth Société anonyme's level of assets compared to its equity is moderate (i.e. an appropriate level of borrowing to fund lending).
  • Unable to establish if CFM Indosuez Wealth Société anonyme has a sufficient allowance for bad loans without relevant financial data.
  • Unable to establish if CFM Indosuez Wealth Société anonyme has an acceptable level of bad loans without bad loans data.
X
Financial health checks
We assess CFM Indosuez Wealth Société anonyme's financial health by checking for:
  1. Are short term assets greater than short term liabilities? (1 check)
  2. Are short term assets greater than long term liabilities? (1 check)
  3. Has the debt to equity ratio increased in the past 5 years? (1 check)
  4. Is the debt to equity ratio over 40%? (1 check)
  5. Is the debt covered by operating cash flow? (1 check)
  6. Are earnings greater than 5x the interest on debt (if company pays interest at all)? (1 check)
  7. CFM Indosuez Wealth Société anonyme has a total score of 4/6, see the detailed checks below.
For companies that are loss making and have been so on average in the past we replace the last 2 checks with:
  1. Does cash and short term investments cover stable operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)
  2. Does cash and short term investments cover growing operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)


Full details on the Health part of the Simply Wall St company analysis model.

MLCFM Dividends

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

Dividends are regular cash payments to you from the company, similar to a bank paying you interest on a savings account.
Annual Dividend Income
Dividend payments
4.11%
Current annual income from CFM Indosuez Wealth Société anonyme dividends.
If you bought €2,000 of CFM Indosuez Wealth Société anonyme shares you are expected to receive €82 in your first year as a dividend.
Dividend Amount
Here we look how much dividend is being paid, if any. Is it above what you can get in a savings account? It is up there with the best dividend paying companies?
  • CFM Indosuez Wealth Société anonyme's pays a higher dividend yield than the bottom 25% of dividend payers in France (1.56%).
  • CFM Indosuez Wealth Société anonyme's dividend is below the markets top 25% of dividend payers in France (4.36%).
Annualized Historical and Future Dividends
It is important to see if the dividend for a company is stable, and not wildly increasing/decreasing each year. This graph shows you the historical rate to count toward your assessment of the stock.

We also check to see if the dividend has increased in the past 10 years.
Raw Data
ENXTPA:MLCFM Annualized Past and Future Dividends
Data Point Source Value
Past Annualized Dividend Yield S&P Global Market Data See Below
Past Dividends per Share Company Filings/ Annualized Dividend Payments See Below
Future Dividends per Share Estimates Average of up to 0 Analyst Estimates (S&P Global) See Below
France Banks Industry Average Dividend Yield Market Cap Weighted Average of 5 Stocks 6.2%
France Market Average Dividend Yield Market Cap Weighted Average of 324 Stocks 2.9%
France Minimum Threshold Dividend Yield 10th Percentile 0.9%
France Bottom 25% Dividend Yield 25th Percentile 1.6%
France Top 25% Dividend Yield 75th Percentile 4.4%

Industry and Market average data is calculated daily.

Note all dividend per share amounts are annualized and not quarterly or other period.

ENXTPA:MLCFM Past Annualized Dividends Data
Date (Data in €) Dividend per share (annual) Avg. Yield (%)
2018-06-15 44.440 4.574
2017-05-22 55.000 5.171
2016-06-02 57.550 6.152
2015-06-19 49.240 5.246
2014-06-16 42.900 4.638
2014-04-22 42.900 4.801
2013-05-16 51.460 6.279
2013-03-25 51.460 6.463
2012-05-23 45.600 6.325
2012-04-02 45.600 6.021
2011-05-26 45.600 5.985
2011-04-12 45.600 5.979
2010-05-07 42.500 5.551
2010-04-06 42.500 4.902
2009-05-07 38.000 4.279
2009-04-21 56.000 6.157

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Dividends per share have been stable in the past 10 years.
  • Dividends per share have fallen over the past 10 years.
Current Payout to shareholders
What portion of CFM Indosuez Wealth Société anonyme's earnings are paid to the shareholders as a dividend.
  • Dividends paid are covered by earnings (1.1x coverage).
Future Payout to shareholders
  • Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.
X
Income/ dividend checks
We assess CFM Indosuez Wealth Société anonyme's dividend by checking for:
  1. Firstly is the company paying a notable dividend (greater than 0.9%) - if not then the rest of the checks are ignored.
  2. Is current dividend yield above the bottom 25% of dividend payers? (1 check)
  3. Is current dividend yield above the top 25% of dividend payers? (1 check)
  4. Have they paid a dividend for 10 years, and during this period has the dividend been volatile (drop of more than 25%)? (1 check)
  5. If they have paid a dividend for 10 years has it increased in this time? (1 check)
  6. How sustainable is the dividend, can CFM Indosuez Wealth Société anonyme afford to pay it from its earnings today and in 3 years (Payout ratio less than 90%)? (2 checks)
  7. CFM Indosuez Wealth Société anonyme has a total score of 3/6, see the detailed checks below.


Full details on the Dividends part of the Simply Wall St company analysis model.

MLCFM 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?

Management is one of the most important areas of a company. We look at unreasonable CEO compensation, how long the team and board of directors have been around for and insider trading.
CEO
Mathieu Ferragut
TENURE AS CEO 0.3 years
CEO Bio

Mr. Mathieu Ferragut has been Chief Executive Officer of CFM Indosuez Wealth Management SA since December 3, 2018. Mr. Ferragut has been General Director of CFM Indosuez Wealth Management since 2018. He served as Head of The Latin America Region at Crédit Agricole Private Banking until 2018 and previously served as its Chief Executive of Miami. Mr. Ferragut had begun his career with at Crédit Lyonnais Singapore in 1996 as information systems project leader and later promoted as chief operating officer of Crédit Lyonnais Private Banking Asia.

CEO Compensation
  • Insufficient data for Mathieu to compare compensation growth.
  • Insufficient data for Mathieu to establish whether their remuneration is reasonable compared to companies of similar size in France.
Management Team

Mathieu Ferragut

TITLE
Chief Executive Officer
TENURE
0.3 yrs

Vincent Thomas

TITLE
Head of Finance
TENURE
6.3 yrs

Yves Braccalenti

TITLE
Head of Development

Stéphane Herpe

TITLE
Head of Markets

Ariel Barugel

TITLE
Head of Human Resources

Grégoire Faure

TITLE
Head of Global Wealth Management & Head of Client Relations

Marie-Odile Joris

TITLE
Corporate Secretary
Board of Directors Tenure

Average tenure and age of the CFM Indosuez Wealth Société anonyme board of directors in years:

5.3
Average Tenure
68
Average Age
  • The tenure for the CFM Indosuez Wealth Société anonyme board of directors is about average.
Board of Directors

Jean-Marie Sander

TITLE
Chairman of the Board
AGE
69

Georges Mazaud

TITLE
Honorary Chairman

Yves Barsalou

TITLE
Honorary Chairman
AGE
86

Gilles Martinengo

TITLE
Director
AGE
63

Michel Cresp

TITLE
Director

Jean Delamalle

TITLE
Director
TENURE
8.9 yrs

Andrée Samat

TITLE
Director
AGE
68
TENURE
8.9 yrs

Olivier Desjardins

TITLE
Director
TENURE
5.3 yrs

Paul de Leusse

TITLE
Director
AGE
46
TENURE
1.9 yrs

Hervé Husson

TITLE
Director
TENURE
1.9 yrs
Who owns this company?
Recent Insider Trading
  • No 3 month insider trading information.
Recent Insider Transactions
Announced Type Name Entity Role Start End Shares Max Price (€) Value (€)
X
Management checks
We assess CFM Indosuez Wealth Société anonyme's management by checking for:
  1. Is the CEO's compensation unreasonable compared to market cap? (1 check)
  2. Has the CEO's compensation increased more than 20% whilst the EPS is down more then 20%? (1 check)
  3. Is the average tenure of the management team less than 2 years? (1 check)
  4. Is the average tenure of the board of directors team less than 3 years? (1 check)
  5. CFM Indosuez Wealth Société anonyme has a total score of 0/6, this is not included on the snowflake, see the detailed checks below.


Note: We use the top 6 management executives and board members in our calculations.

Note 2: Insider trading include any internal stakeholders and these transactions .

Full details on the Management part of the Simply Wall St company analysis model.

MLCFM News

Simply Wall St News

What Makes CFM Indosuez Wealth Société anonyme (EPA:MLCFM) A Hard Investment?

As a small-cap bank stock with a market capitalisation of €630m, CFM Indosuez Wealth Société anonyme’s (EPA:MLCFM) risk and profitability are largely determined by the underlying economic growth of the FR regions in which it operates. … The Basel III reforms are aimed at banking regulations to improve financial institutions’ ability to absorb shocks caused by economic stress which could expose banks like CFM Indosuez Wealth Société anonyme to vulnerabilities. … Low levels of leverage coupled with sufficient liquidity may place CFM Indosuez Wealth Société anonyme in a safe position in the face of adverse headwinds.

Simply Wall St -

Should You Be Tempted To Sell CFM Indosuez Wealth (EPA:MLCFM) Because Of Its P/E Ratio?

To keep it practical, we'll show how CFM Indosuez Wealth's (EPA:MLCFM) P/E ratio could help you assess the value on offer. … Based on the last twelve months, CFM Indosuez Wealth's P/E ratio is 19.24. … Price to Earnings Ratio = Share Price ÷ Earnings per Share (EPS)

Simply Wall St -

Understated Factors To Consider Before Investing In CFM Indosuez Wealth (EPA:MLCFM)

CFM Indosuez Wealth’s (EPA:MLCFM) profitability and risk are largely affected by the underlying economic growth for the region it operates in FR given it is a small-cap stock with a market capitalisation of €533m. … These reforms target banking regulations and intends to enhance financial institutions’ ability to absorb shocks resulting from economic stress which could expose banks like CFM Indosuez Wealth to vulnerabilities. … Today we will be measuring CFM Indosuez Wealth’s financial risk position by looking at three leverage and liquidity metrics.

Simply Wall St -

Is CFM Indosuez Wealth (EPA:MLCFM) Attractive At Its Current PE Ratio?

While MLCFM might seem like a stock to avoid or sell if you own it, it is important to understand the assumptions behind the P/E ratio before you make any investment decisions. … I will break down what the P/E ratio is, how to interpret it and what to watch out for … What you need to know about the P/E ratio

Simply Wall St -

What You Must Know About CFM Indosuez Wealth's (EPA:MLCFM) ROE

CFM Indosuez Wealth (EPA:MLCFM) outperformed the diversified banks industry on the basis of its ROE – producing a higher 8.74% relative to the peer average of 4.88% over the past 12 months. … If MLCFM borrows debt to invest in its business, its profits will be higher. … But ROE does not capture any debt, so we only see high profits and low equity, which is great on the surface

Simply Wall St -

MLCFM Company Info

Description

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, asset management, real estate, leasing and factoring, credit lines and investment financing, treasury and forex and interest rate risk management, investment and financing, cash and documentary credit transactions management, electronic payment, investment banking, and issuer and investor solutions and services, as well as electronic banking services. The company was founded in 1922 and is headquartered in Monaco. CFM Indosuez Wealth Société anonyme is a subsidiary of CA Indosuez Wealth (Group).

Details
Name: CFM Indosuez Wealth Société anonyme
MLCFM
Exchange: ENXTPA
Founded: 1922
€618,840,000
573,000
Website: http://www.ca-indosuez.com/monaco/fr
Address: CFM Indosuez Wealth Société anonyme
11, boulevard Albert 1er,
Monaco,
Monaco
Listings
Exchange Symbol Ticker Symbol Security Exchange Country Currency Listed on
ENXTPA MLCFM Share Capital Euronext Paris FR EUR 02. Jan 1992
Number of employees
Current staff
Staff numbers
382
CFM Indosuez Wealth Société anonyme employees.
Industry
Diversified Banks
Banks
Company Analysis and Financial Data Status
Area Date (UTC time)
Company Analysis updated: 2019/04/20 20:38
End of day share price update: 2019/03/29 00:00
Last earnings filing: 2018/06/14
Last earnings reported: 2017/12/31
Last annual earnings reported: 2017/12/31


All dates and times in UTC. All financial data provided by Standard & Poor’s Capital IQ.

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.