AXA SA (CS) AI Stock Analysis

• Market Cap: €92.13B
• Dividend Yield: 5.09%
• Average Volume (3M): 3.65M
• Price to Earnings (P/E): 12.0
• Beta (1Y): 0.92
• Revenue Growth: 6.79%
• EPS Growth: 11.81%
• Country: FR
• Employees: 100,041
• Sector: Financial
• Sector Strength: 72
• Industry: Insurance - Diversified
• EPS (TTM): 1.71
• Shares Outstanding: 2,215,517,000
• 10 Day Avg. Volume: 2,663,372
• 30 Day Avg. Volume: 3,647,171
• PEG Ratio: 1.77
• Price to Book (P/B): 1.87
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 14.56
• 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: €44.29
• Price Target Upside: 4.78% Upside
• Rating Consensus: Strong Buy
• Number of Analyst Covering: 10

• Rating: 76 Outperform
• Price Target: ―

AXA SA's strong financial performance and reasonable valuation are significant positives. The technical analysis suggests a bullish trend, though caution is needed due to overbought indicators. The absence of recent earnings call insights or corporate events leaves these areas unassessed.

Positive Factors

Analyst Recommendations

Analyst recommends a Buy rating on AXA.

Earnings and Growth

AXA's success in the commercial insurance and health segments has driven continued growth in both business and earnings.

Market Position

AXA's strong market position, particularly in health and commercial lines, provides a competitive edge in maintaining pricing power and driving consistent profit.

Negative Factors

Growth Challenges

Slower delivery of L&H growth and lower capital returns are potential risks for AXA.

Natural Catastrophe Risks

Key risks include higher-than-expected natural catastrophe losses.

Political and Economic Risks

Political uncertainty in France, as well as indirect challenges arising from capital market volatility affected by US tariffs, pose risks to AXA's performance.

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 policyholders for life, health, property, and casualty insurance. AXA also earns income from investment activities by managing assets on behalf of clients, which includes individual investors, businesses, and institutional clients. Additionally, the company benefits from strategic partnerships and joint ventures across different regions to expand its market reach and enhance its service offerings. Fees from asset management services and returns on investments further contribute to AXA's overall earnings.

AXA SA Financial Statement Overview

Summary

AXA SA shows effective management of profitability and leverage, with strong liquidity and cash generation capabilities. Despite challenges in revenue growth, the company maintained robust margins and improved its balance sheet health.

Income Statement

AXA SA's income statement shows a decline in total revenue from 2020 to 2024, with a significant drop from 2021 to 2024. Despite this, the company maintained a positive net profit margin, with a strong increase in net income in 2024. This is indicative of effective cost management and operational efficiency. The EBIT and EBITDA margins have been inconsistent, reflecting fluctuating operational performance.

Balance Sheet

The balance sheet displays a solid equity base with a declining debt-to-equity ratio over the years, indicating improved financial leverage. The equity ratio shows a stable structure, and the return on equity has seen positive growth, suggesting good returns for shareholders. The high cash and cash equivalents further imply strong liquidity.

Cash Flow

The cash flow statement reveals strong operating cash flows, with significant growth in free cash flow in 2024. The free cash flow to net income ratio indicates efficient cash generation relative to income, although the operating cash flow to net income ratio fluctuated in previous years, suggesting some inconsistency in cash flow operations.

Breakdown	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	89.82B	86.02B	93.08B	122.17B	112.35B
Gross Profit	89.82B	87.15B	93.08B	122.17B	112.35B
EBITDA	10.41B	9.21B	6.58B	10.38B	6.53B
Net Income	7.89B	7.19B	6.67B	7.29B	3.16B
Balance Sheet
Total Assets	653.80B	644.45B	696.70B	775.49B	804.59B
Cash, Cash Equivalents and Short-Term Investments	333.57B	320.12B	323.68B	25.05B	28.24B
Total Debt	62.14B	59.54B	63.75B	57.22B	59.64B
Total Liabilities	601.40B	592.05B	648.32B	692.51B	719.19B
Stockholders Equity	49.90B	44.14B	45.35B	71.14B	71.61B
Cash Flow
Free Cash Flow	11.99B	5.16B	7.53B	6.18B	25.14B
Operating Cash Flow	11.57B	5.59B	7.88B	6.53B	25.53B
Investing Cash Flow	-11.25B	-1.60B	470.00M	-8.95B	-11.43B
Financing Cash Flow	-7.33B	-5.93B	-6.12B	-4.33B	-4.93B

AXA SA Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 42.27
• 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 FR:CS, the sentiment is Positive. The current price of 42.27 is above the 20-day moving average (MA) of 41.59, above the 50-day MA of 41.71, and above the 200-day MA of 36.54, indicating a bullish trend. The MACD of 0.11 indicates Negative momentum. The RSI at 56.63 is Neutral, neither overbought nor oversold. The STOCH value of 59.13 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for FR:CS.

AXA SA Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
CS	76 Outperform	€92.13B	11.97	15.98%	5.09%	6.79%	11.81%
Sector *	68 Neutral	$17.10B	11.44	9.70%	3.58%	11.11%	-4.78%
0RDX	―	€14.70B	11.22	11.17%	5.94%	―	―
0HB5	―	€88.65B	8.22	9.58%	6.09%	―	―
0HAI	―	€48.43B	7.63	9.68%	6.84%	―	―
0IT3	―	€5.40B	647.83	0.17%	0.27%	―	―
0J6Y	―	€34.79B	11.42	5.93%	3.63%	―	―

AXA SA Corporate Events

AXA SA Announces Details for Upcoming Shareholders’ Meeting

AXA SA has announced the details of its upcoming Combined General Meeting for shareholders, scheduled for April 24, 2025, in Paris. The meeting will cover ordinary and extraordinary matters, with relevant documents available on AXA’s website. This event is significant for stakeholders as it provides insights into the company’s strategic direction and governance, reinforcing AXA’s transparency and engagement with its investors.