Societe Generale SA (FR:GLE)
:GLE
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Societe Generale
(GLE)
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Rating:54Neutral
Price Target:
€66.00
▼(-11.60% Downside)
Action:Downgraded
Date:02/18/26
The score is held back primarily by weak cash-flow quality and rising leverage despite improved profitability. Technicals show near-term weakness (below key moving averages) even with oversold signals, while valuation is a key offset with a low P/E and a moderate dividend yield.
Positive Factors
Diversified business model
Société Générale’s multi‑pillar model spreads revenue across retail, corporate & investment banking and asset/wealth/insurance lines. This structural diversification reduces reliance on any single cycle, supports cross‑selling, and preserves long‑run earnings resilience through varying macro regimes.
Negative Factors
Weak operating and free cash flow
Sharp negative operating and free cash flows in consecutive years signal a divergence between reported profits and cash generation. Persistent negative cash flow weakens liquidity, constrains capital allocation, raises reliance on wholesale funding, and questions the sustainability and quality of recent earnings.
Read all positive and negative factors
Positive Factors
Negative Factors
Diversified business model
Société Générale’s multi‑pillar model spreads revenue across retail, corporate & investment banking and asset/wealth/insurance lines. This structural diversification reduces reliance on any single cycle, supports cross‑selling, and preserves long‑run earnings resilience through varying macro regimes.
Read all positive factors
Societe Generale (GLE) vs. iShares MSCI France ETF (EWQ)
Market Cap
€42.70B
Dividend Yield2.49%
Average Volume (3M)2.04M
Price to Earnings (P/E)6.8
Beta (1Y)1.51
Revenue Growth2.99%
EPS Growth44.47%
CountryFR
Employees111,754
SectorGeneral
Sector StrengthN/A
IndustryBanks - Regional
Share Statistics
EPS (TTM)5.03
Shares Outstanding744,394,200
10 Day Avg. Volume2,432,343
30 Day Avg. Volume2,044,050
Financial Highlights & Ratios
PEG Ratio0.16
Price to Book (P/B)0.74
Price to Sales (P/S)0.60
P/FCF Ratio-1.79
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
€80.97Price Target Upside8.45% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering7
EPS Forecast (FY)7.71
Revenue Forecast (FY)€27.87B
Societe Generale Business Overview & Revenue Model
Company Description
Société Générale Société anonyme provides banking and financial services to individuals, businesses, and institutional investors in Europe and internationally. It operates through three segments: Retail Banking in France, International Retail Bank...
How the Company Makes Money
Société Générale primarily earns revenue by providing banking and financial services across several business lines, with income largely reflected as net interest income and fee/commission income, and in some activities trading and investment incom...
Societe Generale Financial Statement Overview
Summary
Income Statement
66
Positive
Balance Sheet
54
Neutral
Cash Flow
38
Negative
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 86.16B | 25.26B | 24.08B | 25.51B | 25.72B |
| Gross Profit | 52.60B | 25.26B | 24.08B | 25.51B | 25.72B |
| EBITDA | 19.09B | 6.79B | 5.55B | 7.51B | 7.51B |
| Net Income | 6.00B | 4.20B | 2.49B | 1.82B | 5.64B |
Balance Sheet | |||||
| Total Assets | 1.55T | 1.57T | 1.55T | 1.48T | 1.46T |
| Cash, Cash Equivalents and Short-Term Investments | 369.17B | 589.61B | 591.83B | 540.84B | 411.60B |
| Total Debt | 167.07B | 181.49B | 179.81B | 154.80B | 151.28B |
| Total Liabilities | 1.47T | 1.49T | 1.48T | 1.41T | 1.39T |
| Stockholders Equity | 70.14B | 70.26B | 65.97B | 66.97B | 65.10B |
Cash Flow | |||||
| Free Cash Flow | -29.01B | -21.53B | 25.56B | 29.50B | 13.83B |
| Operating Cash Flow | -19.65B | -10.10B | 37.42B | 39.09B | 20.29B |
| Investing Cash Flow | -28.44B | -13.74B | -12.07B | -9.01B | -10.12B |
| Financing Cash Flow | -8.56B | -1.27B | -3.90B | -214.00M | -3.63B |
Societe Generale Technical Analysis
Negative
74.66
Price Trends
67.57
Negative
69.40
Negative
63.08
Positive
Market Momentum
-0.52
Positive
44.65
Neutral
30.86
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For FR:GLE, the sentiment is Negative. The current price of 74.66 is above the 20-day moving average (MA) of 68.93, above the 50-day MA of 67.57, and above the 200-day MA of 63.08, indicating a neutral trend. The MACD of -0.52 indicates Positive momentum. The RSI at 44.65 is Neutral, neither overbought nor oversold. The STOCH value of 30.86 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for FR:GLE.
Societe Generale Peers Comparison
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
68 Neutral | €97.23B | 3.76 | 9.43% | 9.16% | -4.91% | 7.63% | |
60 Neutral | €50.89B | 4.65 | 10.82% | 6.26% | -10.60% | 6.38% | |
57 Neutral | €860.06M | 8.94 | 2.58% | 2.14% | -7.49% | 23.13% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% | |
54 Neutral | €42.70B | 6.76 | 9.61% | 2.49% | 2.99% | 44.47% |
* General Sector Average
FR:GLE
Societe Generale
66.51
18.79
39.39%
FR:BNP
BNP Paribas
87.50
14.31
19.54%
FR:CAF
CRCAM dlle-de France
109.04
37.29
51.96%
FR:CRBP2
Caisse Regionale de Credit Agricole Mutuel Brie Picardie
35.76
13.28
59.11%
FR:ACA
Credit Agricole
16.87
0.39
2.39%
FR:MLCFM
CFM Indosuez Wealth SA
1,290.00
136.39
11.82%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.