Societe Generale (SCGLY) AI Stock Analysis

• Market Cap: $48.26B
• Dividend Yield: 0.66%
• Average Volume (3M): 34.28K
• Price to Earnings (P/E): 10.3
• Beta (1Y): 0.84
• Revenue Growth: -13.59%
• EPS Growth: 182.59%
• Country: US
• Employees: 111,754
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.40
• Shares Outstanding: 3,834,473,900
• 10 Day Avg. Volume: 102,852
• 30 Day Avg. Volume: 34,284
• PEG Ratio: 0.05
• Price to Book (P/B): 0.31
• Price to Sales (P/S): 0.86
• P/FCF Ratio: -1.01
• Enterprise Value/Market Cap: 0.00
• Enterprise Value/Revenue: 0.00
• Enterprise Value/Gross Profit: 0.00
• Enterprise Value/Ebitda: 0.00
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): 1.46
• Revenue Forecast (FY): $31.52B

• Rating: 72 Outperform
• Price Target: $15.00 ▲(8.77% Upside)

Societe Generale's overall stock score reflects strong financial performance and positive earnings call highlights, supported by a robust capital position and disciplined cost control. Technical indicators suggest bullish momentum, although potential overbought conditions warrant caution. Valuation metrics indicate reasonable pricing, while concerns about cash flow management and external risks such as regulatory changes and increasing bankruptcy rates in France temper the outlook.

Positive Factors

Strong Revenue Growth

The company's ability to exceed revenue growth targets indicates robust business operations and effective market strategies, enhancing its competitive position.

Cost Efficiency

Effective cost management improves profitability and operational efficiency, providing a stronger financial foundation for future growth.

Strong Capital Position

A strong capital position enhances financial stability and provides a buffer against economic uncertainties, ensuring long-term resilience.

Negative Factors

Cash Flow Challenges

Negative cash flow can limit the company's ability to invest in growth opportunities and meet financial obligations, posing a risk to financial health.

Market Volatility Concerns

Market volatility and economic slowdown can impact revenue streams and profitability, challenging the company's ability to maintain growth momentum.

Limited Growth in Certain Areas

Limited growth in key segments may hinder overall revenue expansion and affect the company's market competitiveness in those areas.

Societe Generale Business Overview & Revenue Model

Company Description

Societe Generale (SCGLY) is a leading European financial services group headquartered in France, providing a wide range of banking and financial services across various sectors. The company operates through several divisions, including retail banking, corporate and investment banking, asset management, and private banking. With a strong international presence, Societe Generale serves millions of customers, offering products such as loans, savings accounts, investment solutions, and advisory services.

How the Company Makes Money

Societe Generale generates revenue through multiple key streams. Primarily, the company earns income from interest on loans and credit products provided to individual and corporate clients through its retail banking and corporate banking divisions. Additionally, it generates substantial revenue from its investment banking activities, including advisory services for mergers and acquisitions, capital market transactions, and trading operations. Asset management and private banking services also contribute to the company’s earnings by charging management fees and performance fees. Furthermore, Societe Generale benefits from partnerships with other financial institutions and corporations, enhancing its service offerings and expanding its customer base, ultimately contributing to its overall profitability.

Societe Generale Financial Statement Overview

Summary

Societe Generale shows strengths in revenue growth and profitability despite mixed cash flow results. The balance sheet remains strong with improved equity ratios and reduced leverage, enhancing financial stability. However, cash flow management poses a concern, highlighting a need for improved liquidity strategies.

Income Statement

Societe Generale's revenue growth rate from 2023 to 2024 is approximately 18.37%, indicating a reasonable growth trajectory. The gross profit margin is 100%, showing effective cost management. However, net profit margin decreased slightly from 5.62% in 2023 to 8.00% in 2024, which is still strong. The absence of EBIT and EBITDA figures for 2024 could indicate a shift in reporting or operational challenges.

Balance Sheet

The equity ratio improved to 4.46% in 2024 from 4.24% in 2023, reflecting a stable equity base. The debt-to-equity ratio is virtually zero due to the absence of reported total debt in 2024, potentially indicating conservative financial management. Return on equity decreased from 3.78% in 2023 to 5.98% in 2024, suggesting improved profitability relative to shareholder equity.

Cash Flow

The operating cash flow turned negative in 2024, indicating cash management challenges. Free cash flow also turned negative, impacting financial flexibility. The free cash flow growth rate is negative, pointing to potential liquidity issues. However, the company managed to reduce the financing cash outflows, suggesting efforts to stabilize cash flow.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	51.80B	97.64B	87.14B	53.99B	46.12B	42.27B
Gross Profit	51.80B	52.51B	44.36B	36.10B	36.25B	32.02B
EBITDA	8.35B	16.82B	12.84B	9.58B	13.48B	6.66B
Net Income	5.47B	4.20B	2.49B	1.82B	5.64B	-258.00M
Balance Sheet
Total Assets	1.55T	1.57T	1.55T	1.49T	1.46T	1.44T
Cash, Cash Equivalents and Short-Term Investments	212.56B	273.13B	327.40B	289.83B	179.97B	236.07B
Total Debt	172.72B	183.09B	179.81B	89.00B	151.28B	154.66B
Total Liabilities	1.47T	1.49T	1.48T	1.41T	1.39T	1.38T
Stockholders Equity	68.29B	70.26B	65.97B	66.97B	65.10B	61.71B
Cash Flow
Free Cash Flow	0.00	-21.53B	25.56B	29.50B	13.83B	75.20B
Operating Cash Flow	0.00	-10.10B	37.42B	39.09B	20.29B	80.79B
Investing Cash Flow	0.00	-13.74B	-12.07B	-9.01B	-10.12B	-6.86B
Financing Cash Flow	0.00	-1.27B	-3.90B	-214.00M	-3.63B	2.13B

Societe Generale Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 13.79
• 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 SCGLY, the sentiment is Positive. The current price of 13.79 is above the 20-day moving average (MA) of 13.38, above the 50-day MA of 13.00, and above the 200-day MA of 11.30, indicating a bullish trend. The MACD of 0.31 indicates Negative momentum. The RSI at 66.00 is Neutral, neither overbought nor oversold. The STOCH value of 97.50 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for SCGLY.

Societe Generale Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
RF	76 Outperform	$23.16B	11.53	11.43%	3.90%	4.00%	28.54%
ITUB	74 Outperform	$74.83B	10.18	19.90%	5.17%	11.82%	3.41%
PNC	73 Outperform	$77.75B	12.78	11.31%	3.33%	1.79%	30.93%
SCGLY	72 Outperform	$48.26B	10.29	7.25%	0.66%	-13.59%	182.59%
LYG	71 Outperform	$75.99B	17.09	7.85%	3.28%	-20.94%	-18.71%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
MFG	64 Neutral	$90.79B	13.26	9.14%	2.72%	-2.84%	25.48%

Societe Generale Corporate Events

Societe Generale Reports Strong Earnings Amid Challenges

Societe Generale’s recent earnings call painted a picture of robust financial health, marked by significant revenue growth and improved cost efficiency. The bank’s strong capital position was emphasized, although concerns were raised regarding increasing bankruptcy rates in France, a decline in equities revenues, and potential regulatory and tax changes that could impact future performance.

Societe Generale Reports Strong Financial Growth in 2025

Societe Generale, a leading European bank, offers a wide range of financial services across retail banking, private banking, insurance, global banking, and investor solutions, with a strong focus on sustainable finance. The company reported a robust financial performance for the first nine months of 2025, with a net income of EUR 4.6 billion, marking a 45% increase compared to the same period in 2024. This growth was driven by a 6.7% rise in revenues and a significant reduction in the cost-to-income ratio to 63.3%. The bank also completed a EUR 1 billion share buy-back program and continued to simplify its business portfolio by divesting subsidiaries in Guinea Conakry and Mauritania. Key financial highlights include a return on tangible equity (ROTE) of 10.5%, exceeding the annual target, and a CET1 ratio of 13.7%, well above regulatory requirements. The bank’s strategic focus on operational efficiency and risk management has contributed to its strong financial position. Looking ahead, Societe Generale’s management remains confident in achieving its annual objectives, driven by strong client trust and team commitment, as it continues to execute its strategic roadmap with a focus on creating sustainable value.