Société Générale S.A.
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Earnings Call Q3 2026
October 29, 2026 - AI Summary
Strong earnings momentum (record profitability): Q3’26 group net income EUR 1.9bn (record) and ROTE 13% (vs 10.7% in Q3’25). For first 9 months, record group net income and ROTE 12.3% (vs 10.5% last year), above the bank’s end‑2026 target (~11%).
- Revenues: Q3 revenues +7.8% YoY reported ( +8.4% constant perimeter & FX ); first 9 months revenues +4.1% reported, more than twice 2026 guidance.
Costs disciplined; profitability aided by “positive jaws”:
- Q3 operating expenses +0.8% YoY (variable comp provision included), delivering positive jaws ~+7pp.
- Cost-to-income: Q3 57.1% (down ~4pp vs Q3’25; below the <60% year-end target). First 9 months 58.8% (also better than year-end target).
- 9M: operating expenses -3.2% vs 9M’25 despite faster revenue growth.
Asset quality within guidance (low-to-mid cost of risk) — with one key driver:
- Cost of risk: Q3 28 bps (within 25–30 bps full‑year guidance). First 9 months 27 bps.
- Credit mix: Stage 3 provisions EUR 488m, slightly up vs Q3’25 due to normalization of defaults in MIBS from unusually low prior quarters; Stage 1/2 shows net reversal EUR 80m.
- NPL ratio 2.75% (down YoY) and net coverage 81%.
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Share Statistics
| Market cap | $50.19 Billion |
|---|---|
| Enterprise Value | $19.74 Billion |
| Annual dividend | $1.87 |
| Dividend yield | 2.87% |
| Earnings per Share | $6.8 |
| Beta | 0.99 |
| Outstanding Shares | 742,696,000 |
Return
| Return on Equity | 10.51% |
|---|---|
| Return on Assets | 0.45% |
| Return on Invested Capital | 1.56% |
Valuation & Multiples
| P/E Ratio | 8.03 |
|---|---|
| PEG | 34.5 |
| Price to Sales | 1.25 |
| Price to Book Ratio | 0.64 |
| Enterprise Value to Revenue | 0.48 |
| Enterprise Value to EBIT | 1.43 |
| Enterprise Value to Net Income | 2 |
| Total Debt to Enterprise | 8.8 |
| Debt to Equity | 2.42 |
Revenue Sources
No data
Last Earnings Call
Report Date
October 29, 2026
EPS Estimate
-
Consensus analyst estimateRevenue Estimate
$7.66 B
Consensus analyst estimateNext Earnings Call
Expected Date
February 4, 2027
EPS Estimate
-
Consensus analyst estimateRevenue Estimate
$6.86 B
Consensus analyst estimateInstitutional Sentiment (Put/Call)
No data available for the latest quarter.
Institutional Ownership
No data available for the latest quarter.
About Societe Generale S.A.
110,000 employees
CEO: Frederic Oudea
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...