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AXA SA (AXAHF)

POSITIVE
Financial ServicesInsurance - DiversifiedFrance

Price

$40.86

Market Cap

$83.12B

Fundamental

71

Technical

75

Composite

72

AI Analysis

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Overview

AXA SA, through its subsidiaries, insurance, asset management, and banking services worldwide. The company operates through France, Europe, AXA XL, Asia, Africa & EME-LATAM, and Transversal & Other segments. It offers life and savings insurance and property and casualty insurance products. The company also provides protection and retirement products for individual and professional customers; reinsurance coverages; property, primary and excess casualty, excess and surplus lines, environmental liability, professional liability, construction, marine, energy, aviation and satellite, fine art and specie, livestock and aquaculture, accident and health, and crisis management. In addition, it offers reinsurance solutions with casualty, property risk, property catastrophe, specialty, and other reinsurance; proportional and non-proportional, and facultative reinsurance; risk management solutions and consulting services; integrated ecosystem between healthcare solutions and the insurance coverage, which includes onsite services in clinics, remote teleconsultation and digital services, and home services; travel insurance and assistance services, as well as AXA Multilink platform, a B2B2C platform; Sophia, the customer facing GenAI chatbot; and EMMA, a digital assistant. Further, the company offers motor, household, property and general liability, banking, savings, health, term life, whole life, universal life, endowment, deferred and immediate annuities, and other investment-based products for retail/individual and commercial/group customers. AXA SA was founded in 1852 and is headquartered in Paris, France.

Balance Sheet & Liquidity

Revenue

$91.14B

Net Income

$9.80B

Free Cash Flow

$10.82B

Total Equity

$46.69B

Total Liabilities

$60.34B

Current Ratio

1.93

Interest Coverage

-

Debt/EBITDA

5.04

Earnings Per Share

Revenue & Net Income

Free Cash Flow

Income Breakdown

Fair Value Estimation

Undervalued

Fair Value

$83.34

Current Price

$40.86

Margin of Safety

+51.0%

Fair Value Range

$54.17 - $112.51

Estimation Methods

Analyst Target:$46.48
DCF:$169.69
PE-based:$31.85
Graham Growth:$176.06
EPV:$36.83
Analyst Consensus:Strong Buy (24B / 4H / 0S)
Last Earnings Surprise:-1.84%

Valuation Metrics

P/E Ratio

11.95

ROE

13.4%

P/B Ratio

1.78

P/FCF

7.68

Gross Margin

14.5%

ROIC

7.4%

Value Creation (Economic Moat)

ROIC

7.4%

WACC

6.2%

ROIC − WACC

+1.2 pp

ROIC exceeds the cost of capital — the company is creating value for shareholders.

Fundamental Analysis Criteria

Passed (14)

  • Price CAGR 6.05%
  • ROIC 7.4%
  • P/FCF 7.68
  • P/B Ratio 1.78
  • Debt/Equity ratio
  • Positive Free Cash Flow
  • Current Ratio
  • Debt/EBITDA
  • DCF valuation (Undervalued)
  • ROE 21.1%
  • Analyst Consensus 86% Buy
  • PEG Ratio 0.30
  • Earnings Quality (OCF/NI) 2.31
  • Net Margin Trend 10.7% vs 9.0%

Failed (5)

  • Gross Margin 14.5%
  • CapEx intensity
  • Revenue Growth 5Y -4.2%
  • Earnings Surprise avg -0.1%
  • Piotroski F-Score 2/9

Unavailable (8)

  • EPS data insufficient
  • Dividend Payout NaN%
  • Operating Margin NaN%
  • Interest Coverage
  • Return on Tangible Assets
  • Low reliance on intangibles
  • Price below Graham Number
  • Share Dilution (missing shares data)

Price Chart

Technical Indicators

RSI (14)

58.36

SMA 50

$40.57

SMA 200

$39.57

MACD

0.13

Volatility

1.3%

Momentum (12m)

-2.2%

RSI 58.4, SMA trend bullish, momentum -2.2%.

Piotroski F-Score

2/9

Serious financial concerns

score
criteria

Earnings Quality

2.31

High quality: earnings backed by cash

Share Dilution

-

Buying back shares. Shareholder friendly

Governance

Executive Team

NameTitleAge
Dr. Thomas Buberl Ph.D.CEO & Director52
Ms. Helen BrowneGroup General Counsel & Employee Shareholders Representative Director63
Mr. Alban de Mailly NesleGroup Chief Financial Officer55
Gregoire de MontchalinChief Accounting & Reporting Officer-
Mr. Matthieu CaillatGroup Chief Technology & AI Officer, Chief Executive Officer of AXA Group Operations-
Ms. Anu VenkataramanGroup Chief Strategy Officer & Head of Investor Relations-
Ms. Ulrike DecoeneGroup Chief Communication, Brand & Sustainability Officer-
Ms. Karima SilventDeputy General Secretary, in charge of HR, Compliance, Audit, AXA EssentiALL & GIE AXA51
Mr. Hassan El-ShabrawishiChief Executive Officer of International Markets-
Mr. Guillaume BorieGlobal Head of Finance, Strategy, Underwriting, Risk & Technology39

Audit Risk

3

Board Risk

2

Compensation Risk

6

Shareholder Rights Risk

6

Latest News

Recent headlines for AXAHF, sourced from Markets Gazette.

No recent news for AXAHF.
Disclaimer

This platform is for educational purposes only. It does not provide financial, investment, or trading advice. All scores, valuations, and signals are based on automated analysis of publicly available data that may be incomplete or inaccurate. Always conduct your own research and consult a qualified financial advisor before making investment decisions.

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