AXA SA (AXAHY) AI Stock Analysis

• Market Cap: $106.42B
• Dividend Yield: 3.63%
• Average Volume (3M): 215.36K
• Price to Earnings (P/E): 12.9
• Beta (1Y): 0.42
• Revenue Growth: 6.84%
• EPS Growth: 11.87%
• Country: US
• Employees: 100,041
• Sector: Financial
• Sector Strength: 81
• Industry: Insurance - Diversified
• EPS (TTM): 1.78
• Shares Outstanding: 2,215,258,800
• 10 Day Avg. Volume: 146,388
• 30 Day Avg. Volume: 215,364
• PEG Ratio: 7.52
• Price to Book (P/B): 1.84
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 10.56
• 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, 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 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

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: 48.52
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: 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

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
HIG	83 Outperform	$36.74B	12.89	18.49%	1.53%	7.55%	14.16%
AXAHY	76 Outperform	$106.42B	12.89	16.16%	3.63%	6.84%	11.87%
PFG	73 Outperform	$17.26B	16.50	9.70%	3.78%	5.84%	-10.64%
ACGL	73 Outperform	$35.80B	9.80	18.42%	―	25.29%	-23.19%
AEG	70 Neutral	$11.25B	15.97	9.36%	4.09%	-5.03%	―
AIG	68 Neutral	$50.34B	19.51	6.13%	1.83%	-44.30%	-33.09%
Sector *	64 Neutral	$12.86B	9.79	7.78%	16985.65%	12.28%	-7.82%