AXA SA (CS) AI Stock Analysis

• Market Cap: €79.19B
• Dividend Yield: 5.63%
• Average Volume (3M): 3.48M
• Price to Earnings (P/E): 10.8
• Beta (1Y): 0.95
• Revenue Growth: -0.94%
• EPS Growth: 8.47%
• Country: FR
• Employees: 100,041
• Sector: Financial
• Sector Strength: 70
• Industry: Insurance - Diversified
• EPS (TTM): 2.03
• Shares Outstanding: 2,123,594,200
• 10 Day Avg. Volume: 3,934,466
• 30 Day Avg. Volume: 3,480,660
• PEG Ratio: 1.19
• Price to Book (P/B): 1.55
• Price to Sales (P/S): 0.86
• P/FCF Ratio: 6.97
• 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: €44.37
• Price Target Upside: 16.18% Upside
• Rating Consensus: Strong Buy
• Number of Analyst Covering: 7
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 75 Outperform
• Price Target: €44.00 ▲(15.21% Upside)

AXA SA's strong financial performance and attractive valuation are the primary drivers of its stock score. The company shows effective management of profitability and leverage, with robust liquidity. However, technical indicators suggest weak momentum, which slightly offsets the positive financial and valuation aspects.

Positive Factors

Balance Sheet Health

A declining debt-to-equity ratio indicates improved financial leverage, enhancing AXA's long-term financial stability and flexibility.

Cash Generation Ability

Strong free cash flow growth suggests efficient cash generation, providing AXA with the resources to invest in growth opportunities and return capital to shareholders.

Profitability Management

Effective profitability management and strong liquidity ensure AXA can sustain operations and navigate economic fluctuations, supporting long-term growth.

Negative Factors

Revenue Growth Challenges

Declining revenue growth may limit AXA's ability to expand market share and invest in new opportunities, potentially impacting future profitability.

Inconsistent Operational Performance

Fluctuating operational performance can lead to unpredictable earnings, affecting investor confidence and potentially hindering strategic planning.

Revenue Growth Decline

Negative revenue growth indicates challenges in expanding the business, which could impact long-term competitiveness and market positioning.

AXA SA Business Overview & Revenue Model

Company Description

AXA SA is a multinational insurance and financial services company headquartered in Paris, France. As one of the world's leading insurance providers, AXA operates in various sectors, including life and health insurance, property and casualty insurance, and asset management. The company serves individual customers, businesses, and institutions across more than 50 countries, offering a wide range of products such as auto, home, life, and health insurance, as well as investment and retirement solutions.

How the Company Makes Money

AXA generates revenue primarily through premiums collected from insurance policies sold to individuals and businesses. The key revenue streams include life insurance premiums, non-life insurance premiums, and investment income from the management of insurance reserves and assets. The company also earns fees from its asset management services. AXA has developed significant partnerships with financial institutions and health care providers, which help in expanding its market reach and enhancing its product offerings. Additionally, AXA's focus on digital transformation and innovation in insurance technology has allowed it to improve operational efficiency and customer engagement, contributing positively to its earnings.

AXA SA Financial Statement Overview

Summary

AXA SA demonstrates effective management of profitability and leverage, with strong liquidity and cash generation capabilities. The company faces challenges in revenue growth, but it has maintained robust margins and improved its balance sheet health over the years.

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	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	59.87B	89.82B	86.02B	93.08B	122.17B	112.35B
Gross Profit	59.87B	89.82B	87.15B	93.08B	122.17B	112.35B
EBITDA	10.39B	10.41B	9.21B	6.58B	10.38B	6.53B
Net Income	5.83B	7.89B	7.19B	6.67B	7.29B	3.16B
Balance Sheet
Total Assets	645.57B	653.80B	644.45B	696.70B	775.49B	804.59B
Cash, Cash Equivalents and Short-Term Investments	0.00	333.57B	320.12B	323.68B	25.05B	28.24B
Total Debt	65.32B	62.14B	59.54B	63.75B	57.22B	59.64B
Total Liabilities	588.98B	606.12B	592.05B	648.32B	692.51B	719.19B
Stockholders Equity	45.49B	49.90B	44.14B	45.35B	71.14B	71.61B
Cash Flow
Free Cash Flow	20.12B	11.09B	5.16B	7.53B	6.18B	25.14B
Operating Cash Flow	20.59B	11.57B	5.59B	7.88B	6.53B	25.53B
Investing Cash Flow	-13.14B	-11.25B	-1.60B	470.00M	-8.95B	-11.43B
Financing Cash Flow	-5.99B	-7.33B	-5.93B	-6.12B	-4.33B	-4.93B

AXA SA Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 38.19
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• 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 Negative. The current price of 38.19 is below the 20-day moving average (MA) of 38.85, below the 50-day MA of 39.51, and below the 200-day MA of 39.49, indicating a bearish trend. The MACD of -0.55 indicates Positive momentum. The RSI at 41.23 is Neutral, neither overbought nor oversold. The STOCH value of 30.32 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for FR:CS.

AXA SA Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
CS	75 Outperform	€79.19B	10.78	17.06%	5.63%	-0.94%	8.47%
GLE	72 Outperform	€37.16B	8.66	7.47%	1.08%	-14.11%	180.83%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
ACA	65 Neutral	€47.43B	6.72	10.82%	6.87%	-3.99%	14.76%
BNP	64 Neutral	€73.62B	7.00	9.50%	10.93%	-6.55%	14.18%
AMUN	60 Neutral	€13.25B	7.86	14.33%	6.30%	18.42%	37.83%
SCR	59 Neutral	€4.58B	5.23	20.25%	6.63%	-2.52%	―