Societe Generale S.A. - ADR

Societe Generale S.A. - ADR

SCGLY

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Market Cap$63.55B
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Compare to Similar Companies

P/E RatioDividendsReturn on EquityPrice-to-SalesDebt-to-Equity
Societe Generale S.A. - ADRSociete Generale S.A. - ADR10.92.1%10%22.3

Earnings Call Q4 2025

February 6, 2026 - AI Summary

2025 results beat upgraded targets (strong “good surprise”) - Revenues EUR 27.3bn (+~7% excluding asset disposals), Group net income EUR 6.0bn. - Costs down 2% (ex-disposals) vs target of at least -1% → cost-to-income 63.6% (improvement >5pp, below 2025 target <65%). - Cost of risk 26 bps (within 25–30 bps guidance) and ROTE 10.2% (9.6% excluding capital gains) → above ~9% target.
Capital and shareholder returns: CET1 13.5% + large distributions (key investor headline) - CET1 = 13.5% after Basel IV impact and after EUR 2bn extraordinary share buybacks (2 additional buybacks), with Q4 CET1 stable at 13.5%. - Board proposes ordinary distribution EUR 2.7bn (+54% YoY): - Dividend per share EUR 1.61 total for FY (EUR 0.61 already interim, final EUR 1.00 paid June 2026, AGM approval). - Share buyback EUR 1.462bn (+68% YoY). - Capital return policy: 50% payout ratio + interim/dividend & buybacks; extraordinary distributions only addressed once/year at Q2 depending on excess capital.
Why buybacks paused (a notable “negative/surprising” operational detail) - Extraordinary buybacks (Nov 2025) were paused because the share price hit the max purchase price authorized by shareholders (resolution capped at EUR 75), not because of strategy/capital stop. - Management says they will seek a higher cap at the next AGM to continue distributions.

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$17.68

Current Fair Value

0.1% downside

Overvalued by 0.1% based on the discounted cash flow analysis.

Share Statistics

Market cap$63.55 Billion
Enterprise Value$74.69 Billion
Dividend Yield$0.37 (2.10%)
Earnings per Share$1.34
Beta0.99
Outstanding Shares3,712,305,000

Return

Return on Equity10.35%ROE
Return on Assets0.45%
Return on Invested Capital1.16%

Valuation & Multiples

P/E Ratio10.89P/E Ratio
PEG199PEG
Price to Sales1.97Price to Sales
Price to Book Ratio0.84Price to Book Ratio
Enterprise Value to Revenue2.2
Enterprise Value to EBIT6.65
Enterprise Value to Net Income10
Total Debt to Enterprise2.22
Debt to Equity2.33Debt to Equity

Revenue Sources

No data

Insider Trades

Last Earnings Call

Report Date
April 30, 2026
EPS Estimate
$0.45
Average shareholder expectation
Revenue Estimate
$8.29 B
Average shareholder expectation

Next Earnings Call

Expected Date
July 28, 2026
EPS Estimate
$0.44
Average shareholder expectation
Revenue Estimate
$8.00 B
Average shareholder expectation

Institutional Sentiment (Put/Call)

No data available for the latest quarter.

Institutional Ownership

No data available for the latest quarter.

ESG Score

No data

About Societe Generale S.A.

CEO: Frederic Oudea

Relevant Senate Committees

Joint Committee on Taxation

As the key body for developing and analyzing tax legislation, its reports and revenue estimates directly influence corporate tax structures and the tax burden on financial institutions like Societe Generale.

Finance

This powerful committee controls taxation, trade, and entitlement spending. Its tax policy decisions directly impact bank profitability, capital structures, and the overall financial markets where Societe Generale operates.

Agriculture, Nutrition, and Forestry

This committee's oversight of the CFTC and its role in regulating derivatives/futures markets and defining cryptocurrencies as commodities directly impacts the capital market activities of a major commercial bank.

Banking, Housing, and Urban Affairs

This committee directly regulates the entire financial system, including the Federal Reserve and the SEC, and is the primary body for bank capital requirements, cryptocurrency regulation, and real estate markets, making it critically important for Societe Generale.

Foreign Relations

As a multinational bank, Societe Generale is directly impacted by U.S. foreign policy, sanctions legislation, and international banking access, which are primary jurisdictions of this committee.