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AXA SA (AXAHY)
OTHER OTC:AXAHY

AXA SA (AXAHY) AI Stock Analysis

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AXA SA

(OTC:AXAHY)

Rating:76Outperform
Price Target:
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 (AXAHY) vs. SPDR S&P 500 ETF (SPY)

AXA SA Business Overview & Revenue Model

Company DescriptionAXA SA, through its subsidiaries, provides insurance, asset management, and banking services worldwide. The company operates through France, Europe, Asia, AXA XL, International, and Transversal & Central Holdings segments. It offers life and savings insurance products, such as savings and retirement, other health, and personal protection products. The company also provides property and casualty insurance products, including car, home, and personal or professional liability to individual and business clients; international insurance for large corporate clients in Europe; and marine and aviation, as well as property and casualty reinsurance products. In addition, it offers asset management services in the areas of various asset classes, including equities, bonds, hedge funds, private equity, and real estate for the group's insurance companies and their clients, and retail and institutional clients. The company was founded in 1852 and is based in Paris, France.
How the Company Makes MoneyAXA SA generates revenue primarily through the sale of insurance policies and asset management services. The company's key revenue streams include premiums collected from life, savings, property and casualty, and health insurance products. In addition, AXA earns income from its asset management services by charging fees based on the assets under management. The company's financial performance is influenced by factors such as underwriting results, investment income, and its ability to efficiently manage claims. Strategic partnerships and acquisitions also play a role in expanding AXA's market presence and enhancing its revenue generation capabilities.

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
75
Positive
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
80
Positive
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
70
Positive
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
TTMDec 2023Dec 2022Dec 2021Dec 2020Dec 2019
Income StatementTotal Revenue
119.58B87.15B93.08B111.69B102.58B124.94B
Gross Profit
176.59B87.15B93.08B111.69B102.58B124.94B
EBIT
9.94B9.22B9.01B6.62B2.62B1.84B
EBITDA
-858.00M-738.00M9.06B7.01B2.84B3.22B
Net Income Common Stockholders
8.91B7.19B6.67B7.29B3.16B3.86B
Balance SheetCash, Cash Equivalents and Short-Term Investments
24.97B320.12B323.68B424.91B455.34B432.19B
Total Assets
644.45B644.45B696.70B775.49B804.59B780.88B
Total Debt
62.01B59.54B63.75B61.84B66.28B60.69B
Net Debt
37.04B34.57B37.58B36.79B38.04B38.74B
Total Liabilities
597.49B592.05B648.32B700.26B728.41B706.25B
Stockholders Equity
44.14B49.58B45.35B71.13B71.61B69.90B
Cash FlowFree Cash Flow
8.62B6.01B7.53B6.18B25.14B8.40B
Operating Cash Flow
9.24B6.44B7.88B6.53B25.53B8.86B
Investing Cash Flow
-7.06B-1.60B470.00M-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 Price48.52
Price Trends
50DMA
45.58
Positive
100DMA
42.70
Positive
200DMA
39.90
Positive
Market Momentum
MACD
0.84
Negative
RSI
64.01
Neutral
STOCH
91.79
Negative
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 48.52 is above the 20-day moving average (MA) of 47.07, above the 50-day MA of 45.58, and above the 200-day MA of 39.90, indicating a bullish trend. The MACD of 0.84 indicates Negative momentum. The RSI at 64.01 is Neutral, neither overbought nor oversold. The STOCH value of 91.79 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for AXAHY.

AXA SA Peers Comparison

Overall Rating
UnderperformOutperform
Sector (64)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
HIHIG
83
Outperform
$36.74B12.8918.49%1.53%7.55%14.16%
76
Outperform
$106.42B12.8916.16%3.63%6.84%11.87%
PFPFG
73
Outperform
$17.26B16.509.70%3.78%5.84%-10.64%
73
Outperform
$35.80B9.8018.42%25.29%-23.19%
AEAEG
70
Neutral
$11.25B15.979.36%4.09%-5.03%
AIAIG
68
Neutral
$50.34B19.516.13%1.83%-44.30%-33.09%
64
Neutral
$12.86B9.797.78%16985.65%12.28%-7.82%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
AXAHY
AXA SA
48.52
14.35
42.00%
AEG
Aegon
7.26
1.34
22.64%
AIG
American International Group
85.18
12.53
17.25%
ACGL
Arch Capital Group
92.35
-2.34
-2.47%
HIG
Hartford Financial
126.87
29.09
29.75%
PFG
Principal Financial
76.84
1.92
2.56%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

Disclaimer

This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.