AXA SA (AXAHY) AI Stock Analysis

• Market Cap: $105.09B
• Dividend Yield: 5.05%
• Average Volume (3M): 209.26K
• Price to Earnings (P/E): 12.7
• Beta (1Y): 0.42
• Revenue Growth: 6.84%
• EPS Growth: 11.87%
• Country: US
• Employees: 100,041
• Sector: Financial
• Sector Strength: 79
• Industry: Insurance - Diversified
• EPS (TTM): 1.78
• Shares Outstanding: 2,215,258,800
• 10 Day Avg. Volume: 155,859
• 30 Day Avg. Volume: 209,260
• PEG Ratio: -0.31
• Price to Book (P/B): 1.31
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 7.92
• 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

• Rating: 76 Outperform
• 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 Business Overview & Revenue Model

Company Description

AXA SA is a leading global insurance and asset management company headquartered in Paris, France. The company operates in various sectors, including life and savings, property and casualty, health, and asset management. It offers a wide range of insurance products and services to individuals and businesses, aiming to provide financial protection and risk management solutions.

How the Company Makes Money

AXA 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

AXA SA demonstrates solid financial health with steady revenue growth and improved profitability. The strong free cash flow supports its operational effectiveness, though leverage and low equity ratios highlight potential financial risks. Continued monitoring of revenue and expense management is advised to ensure sustained profitability and financial stability.

Income Statement

AXA SA shows a stable revenue base with Total Revenue at €89.8 billion in 2024, reflecting a moderate growth from 2023. The Net Profit Margin improved slightly to 8.8% in 2024 from 8.2% in 2023, indicating efficient cost management. However, the EBIT and EBITDA data for 2024 are missing, limiting a full profitability analysis. Revenue growth and net income improvements highlight a positive trajectory, but the absence of EBIT data poses some risk to the earnings stability.

Balance Sheet

The company's Debt-to-Equity Ratio is 1.24, reflecting a moderate level of leverage typical for the insurance industry. The Return on Equity (ROE) improved to 15.8% in 2024, demonstrating effective use of equity. However, the Equity Ratio is relatively low at 7.6%, suggesting a high reliance on liabilities. Strong cash position with cash equivalents of €333.6 billion is a positive aspect, but high liabilities remain a concern.

Cash Flow

AXA SA's Free Cash Flow grew significantly by 99.5% in 2024, indicating strong cash generation capability. The Operating Cash Flow to Net Income Ratio is 1.58, suggesting robust cash flow relative to net income. The Free Cash Flow to Net Income Ratio is 1.52, further confirming the company's ability to generate cash. Despite the positive cash flow metrics, reliance on cash reserves for investments might limit future growth potential.

Breakdown
Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement		Total Revenue
89.82B	87.15B	93.08B	111.69B	102.58B
	Gross Profit
89.82B	87.15B	93.08B	111.69B	102.58B
	EBIT
9.98B	9.22B	9.01B	6.62B	2.62B
	EBITDA
0.00	-738.00M	9.06B	7.01B	2.84B
	Net Income Common Stockholders
7.89B	7.19B	6.67B	7.29B	3.16B
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
333.57B	320.12B	323.68B	424.91B	455.34B
	Total Assets
653.76B	644.45B	696.70B	775.49B	804.59B
	Total Debt
62.14B	59.54B	63.75B	61.84B	66.28B
	Net Debt
43.15B	34.16B	37.58B	36.79B	38.04B
	Total Liabilities
601.28B	591.99B	648.32B	700.26B	728.41B
	Stockholders Equity
49.94B	49.58B	45.35B	71.13B	71.61B
Cash Flow		Free Cash Flow
11.99B	6.01B	7.53B	6.18B	25.14B
	Operating Cash Flow
12.47B	6.44B	7.88B	6.53B	25.53B
	Investing Cash Flow
-11.25B	-1.59B	470.00M	-8.95B	-11.43B
	Financing Cash Flow
-7.33B	-6.78B	-6.12B	-4.33B	-4.93B

AXA SA Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 48.27
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• 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 48.27 is above the 20-day moving average (MA) of 47.37, above the 50-day MA of 45.79, and above the 200-day MA of 40.01, indicating a bullish trend. The MACD of 0.77 indicates Negative momentum. The RSI at 60.51 is Neutral, neither overbought nor oversold. The STOCH value of 71.50 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
HIG	79 Outperform	$35.48B	12.45	18.49%	1.67%	7.55%	14.16%
AXAHY	76 Outperform	$105.09B	12.72	16.16%	5.05%	6.84%	11.87%
PFG	73 Outperform	$17.21B	16.45	9.70%	3.96%	5.84%	-10.64%
ACGL	73 Outperform	$33.64B	9.17	18.42%	―	25.29%	-23.19%
AEG	70 Neutral	$11.21B	15.88	9.36%	4.91%	-5.03%	―
AIG	68 Neutral	$48.60B	18.84	6.13%	1.90%	-44.30%	-33.09%
Sector *	64 Neutral	$12.85B	9.81	7.79%	78.20%	12.23%	-7.93%