Societe Generale stock analysis
Societe Generale (SGE1) Stock Price & Analysis
SGE1 Stock Chart & Stats
- Day’s Range
- EUR 13.10 - EUR 13.80
- 52-Week Range
- EUR 11.10 - EUR 17.10
- Previous Close
- EUR 12.70
- Volume
- N/A
- Average Volume (3M)
- 42
- Market Cap
- EUR 48.55B
- Enterprise Value
- EUR 291.67B
- Total Cash (Recent Filing)
- EUR 147.08B
- Total Debt (Recent Filing)
- EUR 170.09B
- Price to Earnings (P/E)
- 8.0
- Beta
- 1.10
- Next Earnings
- Feb 04, 2027 (Est.)
- EPS Estimate
- 0.36
- Next Dividend Ex-Date
- N/A
- Dividend Yield
- 1.14%
Bulls Say, Bears Say
Bulls Say
Profitability And Cost Discipline
Improved returns alongside a sub-60% cost-to-income ratio indicate stronger operating efficiency and earnings capacity. If sustained, this combination can support reinvestment, absorb moderate revenue volatility, and reinforce profitability across the banking group over coming quarters.
Digital And Wealth Franchise Growth
Growth in digital customers, deposits, loans, and wealth assets broadens recurring fee and banking relationships. BoursoBank's low churn and private banking scale can deepen client retention and diversify revenue beyond traditional French retail banking activity.
Capital, Liquidity And Credit Resilience
Strong regulatory capital, liquidity buffers, and declining non-performing loans provide meaningful protection against credit and funding stress. This balance-sheet resilience preserves strategic flexibility, supports lending capacity, and reduces the risk that near-term volatility disrupts core operations.
Bears Say
Higher Leverage And Weak Cash Conversion
The sharp leverage increase and negative recent cash flow point to weaker financial flexibility despite reported profits. Greater balance-sheet sensitivity to funding and credit conditions could constrain capital allocation and make earnings less durable through a downturn.
Volatile Revenue Quality
A large reversal in revenue after earlier growth, combined with uneven operating profitability, reduces confidence that recent margin improvement will persist. This volatility can make planning, capital deployment, and shareholder returns more dependent on changing business conditions.
Mobility Normalization And Regional Margin Pressure
Normalization in Ayvens used-car sales is reducing an important business pillar's revenue and net income, while competition pressures margins in Czech and Romanian banking. These issues can weigh on group growth and offset gains in stronger franchises.
Societe Generale News
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Societe Generale Stock Smart Score
Company Description
Societe Generale
Société Générale S.A., a financial institution headquartered in Paris, France, provides a wide array of financial services to a varied client base. This includes individual customers, corporate entities, and large institutional investors, with its operations spanning across Europe and globally. Established in 1864, the company's offerings encompass retail banking – delivered through key brands such as Societe Generale, Credit du Nord, and Boursorama – as well as insurance products, specialized investor services, and numerous other financial provisions.
- Sector
- Financial
- Industry
- Banks - Regional
- CEO
- Slawomir Krupa
- Employees
- 110,000
- Website
- www.societegenerale.com
- Address
- 29, boulevard Haussmann, Paris, IDF, 75009, FR
Societe Generale (SGE1) Earnings & Revenues
SGE1 Company Deck
SGE1 Earnings Call
Earnings Call SentimentPositive
The call was strongly positive. Management reported record quarterly and nine-month net income, profitability above targets, revenue growth exceeding guidance, lower operating expenses over nine months, strong capital and liquidity, contained credit risk, and broad-based momentum in French Retail and GBIS. The main challenges were declines in Mobility and Financial Services, Ayvens used-car sales normalization, lower fixed income and currencies revenue, muted French volumes, competitive margin pressure in Czech Republic and Romania, and a modestly higher expected cost of funding. Highlights significantly outweighed lowlights.
View all DE:SGE1 earnings summariesTechnical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 8 | 4 | 10 |
| Technical Analysis | 2 | 4 | 4 |
| Moving Averages | 6 | 0 | 6 |











