Want to see FR:GLE full AI Analyst Report?
Top Page
Societe Generale
(GLE)
Select Model
Select Model
Rating:67Neutral
Price Target:
€80.00
▲(6.64% Upside)
Action:Reiterated
Date:08/06/26
The score is held back primarily by weaker financial quality signals—materially negative operating/free cash flow in 2024–2025 and higher leverage with declining equity—despite improved profitability. Offsetting that, technicals show a strong uptrend with bullish momentum, and valuation is supportive given the low P/E and moderate dividend yield.
Positive Factors
Profitability rebound
The recovery in net income and expansion of net margins indicate stronger current earnings power across the banking group. If profitability remains supported by its recurring banking, financing, fee and markets activities, it can improve internal capital generation and support future investment.
Negative Factors
Negative operating cash flow
Sharp operating and free cash outflows despite positive reported earnings weaken the quality and conversion of recent profits. If these cash movements persist, they could reduce financial flexibility, complicate capital allocation and make earnings less dependable as a source of internally generated resources.
Read all positive and negative factors
Positive Factors
Negative Factors
Profitability rebound
The recovery in net income and expansion of net margins indicate stronger current earnings power across the banking group. If profitability remains supported by its recurring banking, financing, fee and markets activities, it can improve internal capital generation and support future investment.
Read all positive factors
Societe Generale (GLE) vs. iShares MSCI France ETF (EWQ)
Market Cap
€54.25B
Dividend Yield2.17%
Average Volume (3M)1.80M
Price to Earnings (P/E)9.8
Beta (1Y)1.42
Revenue Growth8.58%
EPS Growth20.72%
CountryFR
Employees110,000
SectorGeneral
Sector StrengthN/A
IndustryBanks - Regional
Share Statistics
EPS (TTM)7.60
Shares Outstanding750,900,700
10 Day Avg. Volume2,234,579
30 Day Avg. Volume1,798,448
Financial Highlights & Ratios
PEG Ratio0.18
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
€86.88Price Target Upside15.81% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering10
EPS Forecast (FY)7.96
Revenue Forecast (FY)€27.83B
Societe Generale Business Overview & Revenue Model
Company Description
Société Générale S.A. is a prominent French banking and financial services group, founded in Paris in 1864. This institution offers a comprehensive spectrum of financial products and services to individuals, businesses, and institutional investors...
How the Company Makes Money
Société Générale makes money primarily by earning net banking income across its main activities, combining interest-related income, fees/commissions, and market-related revenues.
1) Retail banking and related services (individuals, SMEs, corporat...
Societe Generale Financial Statement Overview
Summary
Income Statement
66
Positive
Balance Sheet
54
Neutral
Cash Flow
38
Negative
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 65.49B | 86.16B | 25.26B | 24.08B | 25.51B | 25.72B |
| Gross Profit | 56.31B | 52.60B | 25.26B | 24.08B | 25.51B | 25.72B |
| EBITDA | 16.33B | 19.09B | 16.87B | 13.27B | 12.87B | 12.95B |
| Net Income | 7.95B | 6.00B | 4.20B | 2.49B | 1.82B | 5.64B |
Balance Sheet | ||||||
| Total Assets | 1.67T | 1.55T | 1.57T | 1.55T | 1.48T | 1.46T |
| Cash, Cash Equivalents and Short-Term Investments | 404.01B | 369.17B | 589.61B | 591.83B | 540.84B | 411.60B |
| Total Debt | 172.40B | 167.07B | 181.49B | 179.81B | 154.80B | 151.28B |
| Total Liabilities | 1.59T | 1.47T | 1.49T | 1.48T | 1.41T | 1.39T |
| Stockholders Equity | 71.64B | 70.14B | 70.26B | 65.97B | 66.97B | 65.10B |
Cash Flow | ||||||
| Free Cash Flow | -24.40B | -29.01B | -21.53B | 25.56B | 29.50B | 13.83B |
| Operating Cash Flow | -19.88B | -19.65B | -10.10B | 37.42B | 39.09B | 20.29B |
| Investing Cash Flow | 7.76B | -28.44B | -13.74B | -12.07B | -9.01B | -10.12B |
| Financing Cash Flow | -1.91B | -8.56B | -1.27B | -3.90B | -214.00M | -3.63B |
Societe Generale Technical Analysis
Neutral
75.02
Price Trends
77.48
Negative
74.05
Positive
70.51
Positive
Market Momentum
-1.63
Positive
41.55
Neutral
54.63
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For FR:GLE, the sentiment is Neutral. The current price of 75.02 is below the 20-day moving average (MA) of 77.18, below the 50-day MA of 77.48, and above the 200-day MA of 70.51, indicating a neutral trend. The MACD of -1.63 indicates Positive momentum. The RSI at 41.55 is Neutral, neither overbought nor oversold. The STOCH value of 54.63 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral 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 |
|---|---|---|---|---|---|---|---|
70 Outperform | €115.48B | 9.04 | 11.06% | 5.57% | 7.57% | 22.65% | |
67 Neutral | €54.25B | 9.76 | 11.25% | 2.33% | 8.58% | 20.72% | |
65 Neutral | €57.48B | 9.31 | 9.43% | 6.01% | -0.91% | -10.42% | |
58 Neutral | €908.05M | 12.22 | 2.86% | 2.27% | -4.60% | 22.52% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
* General Sector Average
FR:GLE
Societe Generale
74.18
21.77
41.53%
FR:BNP
BNP Paribas
104.54
32.51
45.13%
FR:CAF
CRCAM dlle-de France
114.24
28.19
32.76%
FR:CRBP2
Caisse Regionale de Credit Agricole Mutuel Brie Picardie
37.00
11.16
43.21%
FR:ACA
Credit Agricole
18.81
3.90
26.15%
FR:MLCFM
CFM Indosuez Wealth SA
1,260.00
78.02
6.60%
Societe Generale Corporate Events
Société Générale Completes 45% of EUR 1.5 Billion Share Buyback
Aug 31, 2026
Société Générale has been executing an exceptional share buyback programme of EUR 1.5 billion, launched in early August 2026 with the intention of cancelling the repurchased shares. As of 28 August 2026, the bank reports that 4...
Société Générale Completes Nearly One-Third of €1.5 Billion Exceptional Share Buyback
Aug 24, 2026
Société Générale has advanced its exceptional €1.5 billion share buyback programme, reporting that 32.5% of the planned repurchases had been completed as of 21 August 2026. The bank is conducting the buyback across severa...
Société Générale Advances €1.5 Billion Share Buyback with Nearly 20% Completed
Aug 17, 2026
Société Générale has continued executing its exceptional €1.5 billion share buyback programme launched in early August 2026, completing 19.2% of the planned repurchases as of 14 August. Between 10 and 14 August, the bank ...
Societe Generale Advances €1.5bn Extraordinary Share Buy-back, Completing 9.2%
Aug 10, 2026
Societe Generale has reported that, as of 7 August 2026, it has completed 9.2% of its extraordinary €1.5 billion share buy-back programme launched on 3 August for the purpose of cancelling shares. Over the period from 3 to 7 August, the bank...
Societe Generale Updates 2026 Universal Registration Document and Publishes Interim Report
Jul 31, 2026
Societe Generale has filed the second amendment to its 2026 universal registration document with the French markets regulator, the Autorité des Marchés Financiers, making the updated document and interim financial report available to the...
Societe Generale Posts Record H1 Earnings and Boosts 2026 Profitability Targets
Jul 30, 2026
Societe Generale reported record group net income of EUR 3.5 billion for the first half of 2026, driven by revenue growth of 2.4% and a 5.0% reduction in costs that pushed the cost-to-income ratio below 60%. The bank’s strong profitability, ...
Societe Generale Reports Updated Share Capital and Voting Rights
Jul 29, 2026
Societe Generale has disclosed that its share capital comprises 750,900,671 shares as of 27 July 2026, corresponding to a gross total of 834,887,878 voting rights under French regulatory reporting rules. The publication of these figures provides i...
Societe Generale Boosts Capital Through Global Employee Share Plan
Jul 23, 2026
Societe Generale has completed a capital increase tied to its 33rd Global Employee Share Ownership Programme, reinforcing its long-term strategy of employee engagement in value creation. Around 54,000 current and retired employees in 31 countries ...
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.