Amundi SA (AMUN) AI Stock Analysis

• Market Cap: €14.70B
• Dividend Yield: 5.97%
• Average Volume (3M): 114.33K
• Price to Earnings (P/E): 11.2
• Beta (1Y): 1.35
• Revenue Growth: 11.02%
• EPS Growth: 11.72%
• Country: FR
• Employees: 5,700
• Sector: Financial
• Sector Strength: 72
• Industry: Asset Management
• EPS (TTM): 1.48
• Shares Outstanding: 205,419,270
• 10 Day Avg. Volume: 111,236
• 30 Day Avg. Volume: 114,335
• PEG Ratio: -0.88
• Price to Book (P/B): 1.21
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 13.92
• 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: €77.61
• Price Target Upside: 10.48% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 7

• Rating: 67 Neutral
• Price Target: €74.00 ▲(5.34%Upside)

Amundi SA's stock score is primarily driven by its strong valuation, with an attractive P/E ratio and high dividend yield, making it appealing to value and income investors. Financial performance shows consistent profitability, but challenges in revenue growth and cash flow volatility are concerns. Technical analysis suggests a neutral to slightly bearish sentiment, which tempers the overall positive outlook.

Amundi SA Business Overview & Revenue Model

Company Description

Amundi S.A. is a publically owned investment manager. The firm engages in the asset management business. The company provides a range of retail products and solutions through quasi-exclusive distribution agreements with the retail banking networks of the Crédit Agricole and the Société Générale groups in France; and through international partner networks and joint ventures outside France, as well as through third-party distributors primarily in France, rest of Europe, and Asia. It also offers management and advisory services for various pension funds, insurers, and sovereigns; and treasury management and employee savings solutions for corporate customers through global relationship managers supported by sales and marketing staff in 30 countries. It was formerly known as Amundi Group. The company was founded in 1982 and is headquartered in Paris, France. Amundi Group operates as a subsidiary of Credit Agricole S.A.

How the Company Makes Money

Amundi SA generates revenue primarily through management fees charged for its investment management services. These fees are based on a percentage of assets under management (AUM), with variations depending on the type of asset class and investment strategy. The company also earns performance fees when specific investment products outperform their benchmarks or achieve certain performance targets. Additionally, Amundi benefits from strategic partnerships and distribution agreements with major banks and financial institutions, which help broaden its client base and enhance its market reach. The firm may also generate income from ancillary services such as advisory and research services provided to clients.

Amundi SA Financial Statement Overview

Summary

Amundi SA demonstrates strong profitability with robust margins, although revenue growth has been inconsistent. The balance sheet shows a healthy equity position with manageable debt levels, but high liabilities warrant caution. Cash flow management appears adequate, but operational cash flow volatility indicates a need for improved cash conversion strategies.

Income Statement

Amundi SA's revenue shows fluctuations with a noticeable drop in 2023 compared to previous years, impacting the revenue growth negatively. However, the company maintains robust net profit margins and EBIT margins indicating strong profitability. Despite the revenue dip, the company has controlled costs effectively to sustain profitability.

Balance Sheet

The balance sheet reflects a solid equity base with a manageable debt-to-equity ratio. The equity ratio has been improving, indicating a stronger reliance on shareholders' equity over debt for financing. However, the total liabilities are relatively high, which could pose a risk if not managed properly.

Cash Flow

The cash flow from operations has been volatile, with a significant decrease in 2023. Despite this, the company has maintained positive free cash flow, indicating effective cash management. However, the operating cash flow to net income ratio suggests potential challenges in converting profits into cash.

Breakdown	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	3.50B	5.62B	5.87B	5.79B	4.57B
Gross Profit	1.66B	2.14B	2.32B	2.39B	1.92B
EBITDA	1.70B	1.70B	1.45B	1.70B	1.35B
Net Income	1.31B	1.16B	1.07B	1.37B	909.80M
Balance Sheet
Total Assets	38.30B	36.01B	28.62B	28.72B	28.89B
Cash, Cash Equivalents and Short-Term Investments	2.79B	675.73M	528.76M	1.30B	2.96B
Total Debt	2.36B	2.16B	12.12B	12.13B	10.76B
Total Liabilities	26.25B	24.59B	17.54B	17.99B	19.14B
Stockholders Equity	12.00B	11.37B	11.03B	10.67B	9.70B
Cash Flow
Free Cash Flow	1.52B	1.49B	-233.98M	1.91B	1.21B
Operating Cash Flow	1.59B	1.54B	-183.79M	1.96B	1.26B
Investing Cash Flow	-393.58M	-20.17M	-49.63M	-648.39M	-412.42M
Financing Cash Flow	-931.46M	-845.42M	-980.22M	-681.64M	-106.98M

Amundi SA Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 70.25
• 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 FR:AMUN, the sentiment is Positive. The current price of 70.25 is above the 20-day moving average (MA) of 70.22, above the 50-day MA of 69.17, and above the 200-day MA of 64.95, indicating a bullish trend. The MACD of 0.88 indicates Negative momentum. The RSI at 62.33 is Neutral, neither overbought nor oversold. The STOCH value of 62.43 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for FR:AMUN.

Amundi SA Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
AMUN	67 Neutral	€14.70B	11.16	11.17%	5.97%	11.02%	11.72%
Sector *	58 Neutral	HK$92.47B	5.69	-3.20%	4.65%	5.50%	-56.25%
0HZC	―	€3.94B	―	-5.60%	4.73%	―	―
0HV8	―	€1.93B	13.38	2.80%	―	―	―
0HZD	―	€4.07B	13.67	-13.50%	5.02%	―	―
7TI	―	€3.57B	22.76	4.85%	3.94%	―	―
8ZU	―	€2.17B	15.71	26.49%	5.78%	―	―