AXA SA (AXAHF)
POSITIVEPrice
$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
UndervaluedFair Value
$83.34
Current Price
$40.86
Margin of Safety
+51.0%
Fair Value Range
$54.17 - $112.51
Estimation Methods
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
Serious financial concerns
Earnings Quality
High quality: earnings backed by cash
Share Dilution
Buying back shares. Shareholder friendly
Governance
Executive Team
| Name | Title | Age |
|---|---|---|
| Dr. Thomas Buberl Ph.D. | CEO & Director | 52 |
| Ms. Helen Browne | Group General Counsel & Employee Shareholders Representative Director | 63 |
| Mr. Alban de Mailly Nesle | Group Chief Financial Officer | 55 |
| Gregoire de Montchalin | Chief Accounting & Reporting Officer | - |
| Mr. Matthieu Caillat | Group Chief Technology & AI Officer, Chief Executive Officer of AXA Group Operations | - |
| Ms. Anu Venkataraman | Group Chief Strategy Officer & Head of Investor Relations | - |
| Ms. Ulrike Decoene | Group Chief Communication, Brand & Sustainability Officer | - |
| Ms. Karima Silvent | Deputy General Secretary, in charge of HR, Compliance, Audit, AXA EssentiALL & GIE AXA | 51 |
| Mr. Hassan El-Shabrawishi | Chief Executive Officer of International Markets | - |
| Mr. Guillaume Borie | Global Head of Finance, Strategy, Underwriting, Risk & Technology | 39 |
Audit Risk
3
Board Risk
2
Compensation Risk
6
Shareholder Rights Risk
6
Latest News
Recent headlines for AXAHF, sourced from Markets Gazette.