Amundi SA (AMUN) AI Stock Analysis

• Market Cap: €13.75B
• Dividend Yield: 6.29%
• Average Volume (3M): 141.15K
• Price to Earnings (P/E): 8.2
• Beta (1Y): 1.37
• Revenue Growth: 18.42%
• EPS Growth: 37.83%
• Country: FR
• Employees: 5,700
• Sector: Financial
• Sector Strength: 70
• Industry: Asset Management
• EPS (TTM): 1.63
• Shares Outstanding: 205,419,270
• 10 Day Avg. Volume: 134,354
• 30 Day Avg. Volume: 141,147
• PEG Ratio: 0.86
• Price to Book (P/B): 1.10
• Price to Sales (P/S): 1.98
• P/FCF Ratio: 8.64
• 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: €73.28
• Price Target Upside: 9.13% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 5

• Rating: 66 Neutral
• Price Target: €71.00 ▲(5.73% Upside)

Amundi SA's overall stock score is driven by its strong valuation, with a low P/E ratio and high dividend yield, making it attractive for value and income investors. Financial performance is solid with strong profitability, though revenue growth inconsistency and cash flow volatility are concerns. Technical analysis presents a mixed picture with potential overbought conditions, which could limit short-term upside.

Amundi SA Business Overview & Revenue Model

Company Description

Amundi SA is a leading asset management company headquartered in Paris, France. It operates primarily in the financial services sector, focusing on investment management and asset allocation for a diverse clientele that includes institutional investors, corporations, and retail clients. With a strong presence in Europe and a growing footprint in Asia and other markets, Amundi offers a wide range of products and services, including mutual funds, ETFs, and tailored investment solutions across various asset classes such as equities, fixed income, and real estate.

How the Company Makes Money

Amundi generates revenue primarily through management fees charged for its asset management services. These fees are based on a percentage of the assets under management (AUM) and vary depending on the type of investment products offered. In addition to management fees, Amundi also earns performance fees when it exceeds predefined investment benchmarks. Key revenue streams include fees from mutual funds, institutional mandates, and advisory services. The company benefits from partnerships with banks and financial institutions that distribute its investment products, enhancing its market reach. Furthermore, the increasing trend towards passive investing has led to growth in its ETF offerings, providing an additional revenue source. Overall, Amundi's diversified product range and strategic partnerships contribute significantly to its earnings.

Amundi SA Financial Statement Overview

Summary

Amundi SA demonstrates strong profitability with robust margins, although revenue growth has been inconsistent. The balance sheet shows a healthy equity position with manageable debt levels, but high liabilities warrant caution. Cash flow management appears adequate, but operational cash flow volatility indicates a need for improved cash conversion strategies.

Income Statement

Amundi SA's revenue shows fluctuations with a noticeable drop in 2023 compared to previous years, impacting the revenue growth negatively. However, the company maintains robust net profit margins and EBIT margins indicating strong profitability. Despite the revenue dip, the company has controlled costs effectively to sustain profitability.

Balance Sheet

The balance sheet reflects a solid equity base with a manageable debt-to-equity ratio. The equity ratio has been improving, indicating a stronger reliance on shareholders' equity over debt for financing. However, the total liabilities are relatively high, which could pose a risk if not managed properly.

Cash Flow

The cash flow from operations has been volatile, with a significant decrease in 2023. Despite this, the company has maintained positive free cash flow, indicating effective cash management. However, the operating cash flow to net income ratio suggests potential challenges in converting profits into cash.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	4.20B	6.66B	6.00B	5.98B	5.92B	4.67B
Gross Profit	2.12B	3.58B	3.23B	3.11B	3.19B	2.57B
EBITDA	1.22B	1.77B	1.56B	1.47B	1.67B	1.24B
Net Income	1.33B	1.31B	1.16B	1.07B	1.37B	909.80M
Balance Sheet
Total Assets	39.17B	38.30B	36.01B	28.62B	28.72B	28.89B
Cash, Cash Equivalents and Short-Term Investments	23.85B	2.79B	675.73M	528.76M	1.30B	182.49M
Total Debt	20.32B	2.36B	2.16B	12.26B	12.13B	13.78B
Total Liabilities	27.13B	26.25B	24.59B	17.54B	17.99B	19.14B
Stockholders Equity	11.99B	12.00B	11.37B	11.03B	10.67B	9.70B
Cash Flow
Free Cash Flow	1.82B	1.52B	1.49B	-233.98M	1.91B	1.21B
Operating Cash Flow	1.90B	1.59B	1.54B	-183.79M	1.96B	1.26B
Investing Cash Flow	-291.40M	-393.58M	-20.17M	-49.63M	-648.39M	-412.42M
Financing Cash Flow	-952.37M	-931.46M	-845.42M	-980.22M	-681.64M	-106.98M

Amundi SA Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 67.15
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For FR:AMUN, the sentiment is Positive. The current price of 67.15 is above the 20-day moving average (MA) of 67.10, above the 50-day MA of 65.39, and above the 200-day MA of 65.92, indicating a bullish trend. The MACD of 0.79 indicates Positive momentum. The RSI at 55.78 is Neutral, neither overbought nor oversold. The STOCH value of 31.70 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for FR:AMUN.

Amundi SA Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
ANTIN	77 Outperform	€2.02B	16.27	25.43%	6.34%	9.60%	5.96%
PEUG	75 Outperform	€1.85B	46.48	0.83%	4.42%	-48.21%	-64.53%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
AMUN	66 Neutral	€13.75B	8.19	14.33%	6.29%	18.42%	37.83%
MF	66 Neutral	€3.53B	11.68	-2.85%	5.85%	9.86%	-118.70%
TKO	61 Neutral	€3.28B	18.04	5.94%	4.21%	12.44%	12.15%
RF	49 Neutral	€4.29B	―	-8.86%	4.37%	11.76%	-735.88%