OTCPK:SCGL.Y

Stock Analysis Report

Société Générale Société anonyme

Executive Summary

Société Générale Société anonyme provides financial services in Europe and internationally.

Snowflake

Fundamentals

Established dividend payer and good value.


Similar Companies

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


Market Performance


7 Day Return

-2.6%

OTCPK:SCGL.Y

-2.6%

US Banks

-1.0%

US Market


1 Year Return

-38.9%

OTCPK:SCGL.Y

-14.2%

US Banks

-0.4%

US Market

SCGL.Y underperformed the Banks industry which returned -14.2% over the past year.

SCGL.Y underperformed the Market in United States of America which returned -0.4% over the past year.


Share holder returns

SCGL.YIndustryMarket
7 Day-2.6%-2.6%-1.0%
30 Day-2.9%-6.3%-3.3%
90 Day-13.9%-3.5%0.8%
1 Year-34.3%-38.9%-11.8%-14.2%1.9%-0.4%
3 Year-16.1%-27.9%42.2%32.4%39.4%30.4%
5 Year-38.4%-50.5%53.3%36.7%54.2%37.1%

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

No news available

Valuation

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

5.95x

Price to Earnings (PE) ratio


Intrinsic Value Based on Future Cash Flows

Société Générale Société anonyme's share price is above the future cash flow value, it's not available at a moderate discount (< 20%).

Société Générale Société anonyme's share price is above the future cash flow value, it's not available at a substantial discount (< 40%).


Price Based on Earnings

Société Générale Société anonyme is good value based on earnings compared to the US Banks industry average.

Société Générale Société anonyme is good value based on earnings compared to the United States of America market.


Price Based on Expected Growth

Société Générale Société anonyme is good value based on expected growth next year.


Price Based on Value of Assets

Société Générale Société anonyme is good value based on assets compared to the US Banks industry average.


Next Steps

Future Growth

How is Société Générale Société anonyme expected to perform in the next 1 to 3 years based on estimates from 15 analysts?

7.6%

Forecasted annual earnings growth


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

Société Générale Société anonyme's revenue is expected to grow by 1.8% yearly, however this is not considered high growth (20% yearly).

Société Générale Société anonyme's earnings are expected to grow by 7.6% yearly, however this is not considered high growth (20% yearly).

Société Générale Société anonyme's revenue growth is positive but not above the United States of America market average.

Société Générale Société anonyme's earnings growth is positive but not above the United States of America market average.

Société Générale Société anonyme's earnings growth is expected to exceed the low risk savings rate of 2.7%.


Earnings per Share Growth Estimates


Future Return on Equity

Société Générale Société anonyme is not expected to efficiently use shareholders’ funds in the future (Return on Equity less than 20%).


Next Steps

Past Performance

How has Société Générale Société anonyme performed over the past 5 years?

2.9%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

Société Générale Société anonyme's year on year earnings growth rate has been positive over the past 5 years.

Société Générale Société anonyme's 1-year earnings growth exceeds its 5-year average (16.7% vs 2.9%)

Société Générale Société anonyme's earnings growth has not exceeded the US Banks industry average in the past year (16.7% vs 33.2%).


Return on Equity

Société Générale Société anonyme has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).


Return on Assets

Société Générale Société anonyme used its assets less efficiently than the US Banks industry average last year based on Return on Assets.


Return on Capital Employed

Unable to establish if Société Générale Société anonyme improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.


Next Steps

Financial Health

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


Balance Sheet


Financial Institutions Analysis

Société Générale Société anonyme has an acceptable proportion of non-loan assets held.

Société Générale Société anonyme has a low allowance for bad loans.

Société Générale Société anonyme's liabilities are made up of primarily higher risk sources of funding.

Société Générale Société anonyme's level of assets compared to its equity is very high (i.e. bank has borrowed heavily to fund lending).

Loans at Société Générale Société anonyme are broadly funded by customer deposits.

Société Générale Société anonyme has a high level of bad loans (greater than 2%).


Next Steps

Dividend

What is Société Générale Société anonyme's current dividend yield, its reliability and sustainability?

9.71%

Expected Dividend Yield


Dividend Yield and Payments Analysis

Société Générale Société anonyme's pays a higher dividend yield than the bottom 25% of dividend payers in United States of America (1.49%).

Société Générale Société anonyme's dividend is above the markets top 25% of dividend payers in United States of America (3.84%).

Dividends per share have been volatile in the past 10 years (annual drop of over 20%).

Dividends per share have increased over the past 10 years.


Current Payout to Shareholders

Dividends paid are covered by earnings (1.7x coverage).


Future Payout to Shareholders

Dividends after 3 years are expected to be well covered by earnings (2.4x coverage).


Next Steps

Management

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

2.8yrs

Average management tenure


CEO

Frédéric Oudéa (56yo)

11.3yrs

Tenure

€3,005,561

Compensation

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

Frédéric's remuneration is lower than average for companies of similar size in United States of America.

Frédéric's compensation has been consistent with company performance over the past year, both up more than 20%.


Management Age and Tenure

2.8yrs

Average Tenure

56yo

Average Age

The tenure for the Société Générale Société anonyme management team is about average.


Board Age and Tenure

6.3yrs

Average Tenure

62.5yo

Average Age

The tenure for the Société Générale Société anonyme board of directors is about average.


Insider Trading

No 3 month open market individual insider trading information.


Ownership Breakdown


Management Team

  • Philippe Aymerich (54yo)

    Deputy Chief Executive Officer

    • Tenure: 1.3yrs
    • Compensation: 1.76m
  • Diony Lebot (57yo)

    Deputy Chief Executive Officer

    • Tenure: 3.1yrs
    • Compensation: 2.00m
  • Séverin Cabannes (61yo)

    Deputy Chief Executive Officer

    • Tenure: 11.3yrs
    • Compensation: 1.77m
  • Frédéric Oudéa (56yo)

    CEO & Director

    • Tenure: 11.3yrs
    • Compensation: 3.01m
  • Edouard-Malo Henry

    Group Head of Compliance

    • Tenure: 2.2yrs
  • Dominique Bourrinet

    Group General Counsel

    • Tenure: 5.6yrs
  • William Kadouch-Chassaing

    Group Chief Financial Officer

    • Tenure: 1.3yrs
  • Delphine Garcin-Meunier

    Head of Investor Relations and Financial Communication

  • Carlos Gonçalves

    Head of Global Technology Services

    • Tenure: 2.8yrs
  • Philippe Heim (51yo)

    Deputy Chief Executive Officer

    • Tenure: 1.3yrs
    • Compensation: 1.88m

Board Members

  • Frédéric Oudéa (56yo)

    CEO & Director

    • Tenure: 10.3yrs
    • Compensation: 3.01m
  • Albert Le Dirac'h (65yo)

    Group Country Head of Czech Republic & Slovakia

    • Tenure: 6.0yrs
  • Jean-Bernard Lévy (64yo)

    • Tenure: 10.3yrs
    • Compensation: 133.65k
  • Ilya Polyakov (40yo)

    CEO & Chairman of Rosbank‘s Management Board

    • Tenure: 1.3yrs
  • France Houssaye (52yo)

    Employee Representative Director

    • Tenure: 10.4yrs
    • Compensation: 149.98k
  • Nathalie Rachou (62yo)

    Independent Director

    • Tenure: 11.6yrs
    • Compensation: 274.08k
  • Gérard Mestrallet (70yo)

    Independent Director

    • Tenure: 4.3yrs
    • Compensation: 133.65k
  • Alexandra Elisabeth Johanna Schaapveld (61yo)

    Independent Director

    • Tenure: 6.3yrs
    • Compensation: 247.68k
  • Marc Vienot (91yo)

    Honorary Chairman of the Board

    • Compensation: 6.70k
  • Lorenzo Bini Smaghi (63yo)

    Chairman of the Board

    • Tenure: 4.3yrs
    • Compensation: 948.74k

Company Information

Société Générale Société anonyme's company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Société Générale Société anonyme
  • Ticker: SCGL.Y
  • Exchange: OTCPK
  • Founded: 1864
  • Industry: diversified banks
  • Sector: banks
  • Market Cap: €18.752b
  • Listing Market Cap: €20.808b
  • Shares outstanding: 849.66m
  • Website: Click here

Number of Employees


Location

  • Société Générale Société anonyme
  • 29, boulevard Haussmann
  • Paris
  • Ile-de-France
  • 75009
  • France

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
0J6YLSE (London Stock Exchange)YesCommon StockGBEURJan 1992
GLEENXTPA (Euronext Paris)YesCommon StockFREURJan 1992
SGEDB (Deutsche Boerse AG)YesCommon StockDEEURJan 1992
GLEBIT (Borsa Italiana)YesCommon StockITEURJan 1992
GLE NBMV (Bolsa Mexicana de Valores)YesCommon StockMXMXNJan 1992
GLEWBAG (Wiener Boerse AG)YesCommon StockATEURJan 1992
GLESWX (SIX Swiss Exchange)YesCommon StockCHCHFJan 1992
GLEPBATS-CHIXE (BATS 'Chi-X Europe')YesCommon StockGBEURJan 1992
SGEXTRA (XETRA Trading Platform)YesCommon StockDEEURJan 1992
SCGL.YOTCPK (Pink Sheets LLC)SPONSORED ADRUSUSDAug 1993
SGE1DB (Deutsche Boerse AG)SPONSORED ADRDEEURAug 1993

Biography

Société Générale Société anonyme provides financial services in Europe and internationally. Its primary businesses include French retail banking; international retail banking, insurance, and financial serv ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/08/17 23:48
End of Day Share Price2019/08/16 00:00
Earnings2019/06/30
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.