AXA SA (AXAHY) AI Stock Analysis

• Market Cap: $94.54B
• Dividend Yield: 3.58%
• Average Volume (3M): 93.95K
• Price to Earnings (P/E): 11.4
• Beta (1Y): 0.48
• Revenue Growth: 6.84%
• EPS Growth: 11.87%
• Country: US
• Employees: 100,041
• Sector: Financial
• Sector Strength: 82
• Industry: Insurance - Diversified
• EPS (TTM): 3.79
• Shares Outstanding: 2,214,797,900
• 10 Day Avg. Volume: 100,836
• 30 Day Avg. Volume: 93,949
• PEG Ratio: 0.96
• Price to Book (P/B): N/A
• Price to Sales (P/S): 0.98
• Price to Cash Flow (P/CF): N/A
• P/FCF Ratio: 0.00
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

AXA SA's stock is well-positioned with strong financial performance backed by stable revenue growth and excellent cash flow generation. The technical analysis indicates a positive momentum, though caution is advised due to slightly elevated RSI and Stochastic levels. The valuation is attractive, with a reasonable P/E ratio and a solid dividend yield that enhances its investment appeal. The main risk lies in its leverage and low equity ratio, which should be monitored closely.

AXA SA Business Overview & Revenue Model

Company Description

AXA SA (AXAHY) is a French multinational insurance firm engaged in global insurance, investment management, and other financial services. Headquartered in Paris, AXA operates primarily in Western Europe, North America, the Asia-Pacific region, and the Middle East. The company's core services include life insurance, property and casualty insurance, health insurance, and asset management. AXA is recognized for its efforts to provide innovative financial solutions and its commitment to corporate social responsibility.

How the Company Makes Money

AXA SA makes money primarily through the collection of insurance premiums and fees for financial services. Its revenue streams are diversified across several segments, including life and savings insurance, property and casualty insurance, health insurance, and asset management. In the life and savings segment, AXA generates revenue through premiums for life insurance policies and investment management fees for savings products. The property and casualty segment earns income via premiums for personal and commercial insurance policies, while the health segment focuses on health insurance premiums. The asset management segment contributes to AXA's earnings through management and advisory fees charged on assets under management. Significant partnerships with financial institutions and distribution networks enhance AXA's market reach, enabling it to maintain a robust customer base. Additionally, investment income from the management of reserves and policyholder funds is a substantial factor in AXA's earnings.

AXA SA Financial Statement Overview

Summary

Overall, AXA SA's financial health is solid, with stable profitability and a balanced leverage position. The company shows resilience in equity returns and cash reserves, though certain areas, such as EBITDA and Operating Cash Flow, suggest room for improvement.

Income Statement

AXA SA has shown a moderate revenue decline from the previous year, with a Gross Profit Margin of 65.4% and a Net Profit Margin of 8.2% in the latest reporting year. The company exhibits stable profitability with an EBIT Margin of 10.6%. However, there is a significant drop in EBITDA due to negative values, suggesting potential challenges in non-operational aspects or extraordinary expenses.

Balance Sheet

The balance sheet reflects a robust equity base, with an equity ratio of 7.7%. The Debt-to-Equity Ratio stands at 1.20, indicating a balanced leverage position within industry norms. Return on Equity is strong at 14.5%, demonstrating effective utilization of equity to generate profits. The company maintains substantial cash reserves, adding financial stability.

Cash Flow

The cash flow statement indicates a decline in Free Cash Flow, with a Free Cash Flow to Net Income Ratio of 0.84, highlighting efficient cash generation relative to net income. However, there is a decrease in Operating Cash Flow compared to previous years, which could indicate operational challenges in cash generation.

Breakdown
TTM	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019
Income Statement		Total Revenue
119.58B	87.15B	93.08B	111.69B	102.58B	124.94B
	Gross Profit
176.59B	87.15B	93.08B	111.69B	102.58B	124.94B
	EBIT
9.94B	9.22B	9.01B	6.62B	2.62B	1.84B
	EBITDA
-858.00M	-738.00M	9.06B	7.01B	2.84B	3.22B
	Net Income Common Stockholders
8.91B	7.19B	6.67B	7.29B	3.16B	3.86B
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
24.97B	320.12B	323.68B	424.91B	455.34B	432.19B
	Total Assets
644.45B	644.45B	696.70B	775.49B	804.59B	780.88B
	Total Debt
62.01B	59.54B	63.75B	61.84B	66.28B	60.69B
	Net Debt
37.04B	34.57B	37.58B	36.79B	38.04B	38.74B
	Total Liabilities
597.49B	592.05B	648.32B	700.26B	728.41B	706.25B
	Stockholders Equity
44.14B	49.58B	45.35B	71.13B	71.61B	69.90B
Cash Flow		Free Cash Flow
8.62B	6.01B	7.53B	6.18B	25.14B	8.40B
	Operating Cash Flow
9.24B	6.44B	7.88B	6.53B	25.53B	8.86B
	Investing Cash Flow
-7.06B	-1.60B	470.00M	-8.95B	-11.43B	-10.66B
	Financing Cash Flow
-9.20B	-6.78B	-6.12B	-4.33B	-4.93B	-7.01B

AXA SA Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 43.24
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For AXAHY, the sentiment is Positive. The current price of 43.24 is above the 20-day moving average (MA) of 42.37, above the 50-day MA of 39.98, and above the 200-day MA of 37.19, indicating a bullish trend. The MACD of 1.02 indicates Positive momentum. The RSI at 63.87 is Neutral, neither overbought nor oversold. The STOCH value of 58.71 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for AXAHY.

AXA SA Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
AXAHY	76 Outperform	$94.54B	11.40	16.16%	3.58%	6.84%	11.87%
UNM	75 Outperform	$14.14B	8.46	17.26%	2.03%	4.03%	45.42%
AIG	70 Outperform	$49.61B	16.51	7.10%	1.86%	-28.56%	1.14%
MET	68 Neutral	$53.97B	13.33	15.41%	2.75%	6.10%	225.22%
LNC	67 Neutral	$6.08B	1.94	43.24%	5.04%	47.95%	―
Sector *	64 Neutral	$14.25B	10.26	8.97%	4.33%	16.33%	-11.91%
PRU	61 Neutral	$38.96B	14.67	9.79%	4.77%	34.25%	11.22%