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Société Générale Société anonyme (1GLE) fair value: what the stock is really worth

As of Oct 2, 2026: fair value of Société Générale Société anonyme €113, price €66.07, upside +70.7%, quality 49 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

  1. Fair value above price? Yes
  2. Good quality? No
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Financial Services · IT · Home France · ISIN FR0000130809

SG Some data Oct 2, 2026

Société Générale Société anonyme

1GLE · MI

Cheap, value-trap riskThe stock looks deeply undervalued, but low quality raises value-trap risk.

✓Fair value €112.79 · Strongly undervalued (+70.7%)
!Quality 49/100
!Expensive Growth (revenue 3y +13.4 %/yr)
✓Highly profitable · 23.6% net margin (TTM)
!negative free cash flow
!2.4% dividend yield · Watch coverage
✓Wide moat 67/100
!Evidence only medium, so the estimate is less certain
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

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Price vs Fair Value

€84.31 €15.98 Fair Value €112.79 Jun 2021 Oct 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Oct 2, 2026.

How to read this chart

60‑month range €15.98 – €84.31 · fair‑value band €84.59 – €140.99 · the €66.07 price screens below the €112.79 fair value. Dashed = 300-day average. As of Oct 2, 2026.

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Company profile

Société Générale provides banking and financial services to individuals, corporates, and institutional clients in Europe and internationally. It operates through French Retail, Private Banking and Insurance; International Retail, Mobility and Leasing Services; and Global Banking and Investor Solutions.

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Société Générale provides banking and financial services to individuals, corporates, and institutional clients in Europe and internationally. It operates through French Retail, Private Banking and Insurance; International Retail, Mobility and Leasing Services; and Global Banking and Investor Solutions. The company offers retail banking services, such as consumer credit, vehicle leasing and fleet management, online banking, wealth management, and equipment and vendor finance services; and insurance products, including home, vehicle, family, health, and mortgage insurance. It also provides corporate and investment banking, securities, clearing services, execution, prime brokerage, and custody services; and consumer finance, advisory and financing, and asset management and private banking services. Société Générale was incorporated in 1864 and is headquartered in Paris, France.

Stock analysis

Société Générale Société anonyme (1GLE) currently trades at €66.07, while our model-based Fair Value estimate is €112.79, implying the stock looks roughly 41.4% undervalued today.

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Valuation

Bull case: the Multiples group reads highest at a median of €106.88 per share, and 3 of the 4 models we run sit above the €66.07 price.

Bear case: the Asset-Based group reads lowest at €64.38, and 1 of the 4 models stay below the price. Evidence for this calculation is medium.

Scenario range: €84.59 (bear) to €140.99 (bull), the price of €66.07 sits below it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 49/100 (below-average quality), in the Financial Services sector.

Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.

Société Générale Société anonyme reported revenue of €52.6B in FY2025 versus €36.1B in FY2022, a compound +13.4%/yr. Reported net income was €6.0B in FY2025, compounding +48.7%/yr from FY2022.

Key figures

Market cap €57.0B · P/E ratio 9.4 · P/S ratio 1.07 · EPS (TTM) €7.04 · Dividend yield 2.4% · Net margin 11.4% · Return on equity 8.9% · Return on assets 0.5%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 50 out of 100 (low confidence).

What moves the price

The share trades about 22% below its 52-week high and 27% above its 52-week low, currently below its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −36% fair-value upside, at 71%, 1GLE screens cheaper than that median.

Fair Value models

Bear €84.59 Fair Value €112.79 Bull €140.99
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then (€4.11 per share) are deliberately not added. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Highest evidence
Residual Income €81.68 €88.05 €103.05 68
P/E Multiple €80.16 €106.88 €133.60 63
P/B Multiple €100.89 €134.52 €168.15 55
All 4 models by family
Multiples
P/E Multiple €80.16 €106.88 €133.60 63
P/B Multiple €100.89 €134.52 €168.15 55
Asset-Based
NCAV (Graham) €48.04 €64.38 €96.08 51
Economic Profit
Residual Income €81.68 €88.05 €103.05 68

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Quality Score breakdown

Overall quality 49/100

Of which business quality 41 · Market factors (momentum, volatility) 50

Profitability 28
Margins and returns on capital today
Quality Growth 40
Are margins and returns improving?
Cashflow 0
Earnings quality: real cash, not paper profit
Fin. Strength 42
Balance sheet, leverage, solvency risk
Investment 66
Disciplined investing over empire-building
Low Volatility 56
Calm price path (market factor)
Momentum 47
Price trend over the last 3–12 months (market factor)
52W Momentum 48
Distance to the 52-week high (market factor)
Net Issuance 100
Share count: buybacks or dilution?

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Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 62/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
+0.2%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+13.4%
What shareholders gained per year (last 3 years) (mathematically smoothed) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 3 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Smoothed = median of all growth paths between the years of the window (trend line on the logarithm of earnings per share): a single extreme year cannot distort the rate. The reported figure stays in the tooltip.
+54.2%
Earnings growth per share plus dividend.
Earnings per share, growth per year+51.8%
Dividend (yield on the price)2.4%
2025 sits 154% above its own trend. The rate follows the median trend of the last 3 years, not that single year.

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Compare Société Générale Société anonyme with another stock

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 1052 stocks

Beats the industry median on 4/12 measures
Overall it trails its industry peers.
Valuation
Quality Score 48 · Below median
Fair Value upside +52.0% · Top 25%
Profitability
Return on equity (TTM) 8.9% · Below median
Return on assets 0.5% · Bottom 25%
Net margin (TTM) 23.6% · Below median
Operating margin (TTM) 37.0% · Below median
Growth and dividend
Revenue growth 0.2% · Bottom 25%
Dividend yield (TTM) 2.4% · Below median

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (TTM) 9.4× · Cheaper than median
P/B 0.94× · Cheaper than median
P/S (TTM) 2.57× · Cheaper than median
PEG 2.14× · Pricier than median

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value
DBS Group D05 78.00 SGD 40.39 SGD −48%
China Merchants Bank Co 600036 ¥40.69 ¥52.73 +30%
UniCredit S.p.A UCG €79.53 €77.12 −3%
Mizuho Financial Group MFG $11.05 $6.82 −38%
Intesa Sanpaolo S.p.A ISP €6.38 €4.06 −36%
BNP Paribas SA BNP €91.54 €105.99 +16%
HDFC Bank Limited HDFCBANK ₹721.20 ₹406.44 −44%
Oversea-Chinese Banking Corporation O39 32.01 SGD 19.78 SGD −38%
Al Rajhi Banking and Investment Corporation 1120 63.15 SAR 36.95 SAR −41%
CaixaBank, S.A CABK €12.03 €8.46 −30%

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Société Générale Société anonyme · Fair Value
€112.79 +41%Fair Value
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Cite: Fair Value Calculator (2026). "Société Générale Société anonyme Fair Value". https://www.fairvalue-calculator.com/stock/1GLE

Frequently asked questions

Is Société Générale Société anonyme (1GLE) overvalued or undervalued?
As of Oct 2, 2026, our model estimates a fair value of €112.79 versus a price of €66.07, about +71% upside (undervalued).
What is the fair value of 1GLE?
Our model-based fair value for Société Générale Société anonyme is €112.79 (as of Oct 2, 2026), built from audited fundamentals. The current price: €66.07.
What is the quality score of 1GLE?
Société Générale Société anonyme has a Quality Score of 49/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Société Générale Société anonyme (1GLE)?
Our model-based price target is the fair value of €112.79 (as of Oct 2, 2026) from 4 valuation models. Cautious scenario €84.59, optimistic scenario €140.99. It is a calculation from audited fundamentals, not an analyst target.
What is the Société Générale Société anonyme stock forecast for 2026?
Our models put fair value at €112.79, about +71% upside versus a price of €66.07 (undervalued). Cautious scenario €84.59, optimistic scenario €140.99. The calculation is refreshed regularly with new filings.
What is the revenue of Société Générale Société anonyme (1GLE)?
Société Générale Société anonyme reported trailing-twelve-month revenue of about €25.8B (latest available figure, as of Oct 2, 2026).
Does Société Générale Société anonyme pay a dividend?
Société Générale Société anonyme currently shows a dividend yield of about 2.44% relative to its recent price (as of Oct 2, 2026).
What is the intrinsic value of Société Générale Société anonyme (1GLE)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Société Générale Société anonyme it is €112.79 per share (as of Oct 2, 2026), against a price of €66.07. It is the blended result of 4 valuation models (cash flow, earnings, asset, dividend).
Is Société Générale Société anonyme stock overvalued or undervalued in 2026?
As of Oct 2, 2026, 1GLE trades below its calculated fair value: price €66.07, fair value €112.79, a gap of about +71% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of 1GLE?
No. The price is what the market pays today (€66.07); the fair value is what the company's own numbers justify (€112.79). For Société Générale Société anonyme the two are €46.72 per share apart. That gap is exactly why we show both numbers side by side.
How much is Société Générale Société anonyme worth?
The market values Société Générale Société anonyme at about €57.0B (market capitalisation, as of Oct 2, 2026). Per share that is €66.07; our models calculate a fair value of €112.79 per share.
What do the bullish and bearish scenarios say about 1GLE?
Our models span a range for Société Générale Société anonyme: cautious scenario €84.59, base €112.79, optimistic €140.99 per share (as of Oct 2, 2026, price €66.07). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of 1GLE?
Société Générale Société anonyme trades at a price-to-earnings ratio of 9.4 (as of Oct 2, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of €112.79 is built from several models across several years. Other multiples: PEG 2.1, P/B 0.9, P/S 2.6.
What is the PEG ratio of 1GLE?
The PEG ratio of Société Générale Société anonyme is 2.14 (P/E divided by earnings growth, as of Oct 2, 2026). That is above 1, so the growth is already paid for in the price.
How solid is the balance sheet of Société Générale Société anonyme (1GLE)?
Balance-sheet figures for Société Générale Société anonyme (as of Oct 2, 2026): return on equity 8.9%. They feed the Quality Score of 49/100, which measures business quality independently of the share price.
How far is 1GLE from its 52-week high?
Société Générale Société anonyme trades at €66.07, about 22% below its 52-week high of €84.31 and 27% above the low of €51.94 (as of Oct 2, 2026). Distance from the high says nothing about value: that is what the fair value of €112.79 is for.
Which stocks are comparable to Société Générale Société anonyme?
From the same area (Financial Services) we also value DBS Group, China Merchants Bank Co, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Société Générale Société anonyme stock attractive at the current price?
The data as of Oct 2, 2026: price €66.07, calculated fair value €112.79 (+71%), Quality Score 49/100, from 4 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of 1GLE calculated?
We run Société Générale Société anonyme through 4 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of €112.79, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.5 % above its aggregate fair value. Société Générale Société anonyme currently trades 41 % below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Société Générale Société anonyme (1GLE)?
The closing price on Oct 2, 2026 was €66.07. Our model-based fair value is €112.79, about +71% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Société Générale Société anonyme right now?
The price is below even our cautious bear case (€84.59). The market is more pessimistic than our downside scenario. Solid quality (49/100) at a price below fair value, the discount is the argument here, not the business quality. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Key figures of Société Générale Société anonyme

How large is the market capitalisation of Société Générale Société anonyme (1GLE)?
The market capitalisation of Société Générale Société anonyme is €57.0B. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Société Générale Société anonyme (1GLE)?
The price-to-sales ratio of Société Générale Société anonyme is 1.07 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Société Générale Société anonyme (1GLE)?
Earnings per share at Société Générale Société anonyme are €7.04 (price ÷ EPS = P/E 9.4). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Société Générale Société anonyme (1GLE)?
The dividend yield of Société Générale Société anonyme is 2.4% (payout 22.9%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Société Générale Société anonyme (1GLE)?
The net margin of Société Générale Société anonyme is 11.4% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Société Générale Société anonyme (1GLE)?
The return on equity (ROE) of Société Générale Société anonyme is 8.9% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the return on assets of Société Générale Société anonyme (1GLE)?
The return on assets (ROA) of Société Générale Société anonyme is 0.5% (last twelve months). Profit relative to everything the company owns. Harder to inflate than return on equity because debt does not boost it.
What is the operating margin of Société Générale Société anonyme (1GLE)?
The operating margin of Société Générale Société anonyme is 37.0% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Société Générale Société anonyme (1GLE)?
Revenue at Société Générale Société anonyme is growing +0.2% versus a year earlier (3y avg +13.4%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Société Générale Société anonyme (1GLE)?
Earnings per share at Société Générale Société anonyme are growing +14.1% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Société Générale Société anonyme (1GLE) generate?
The free cash flow of Société Générale Société anonyme is −€29.0B (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
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