Axa SA (AXAHY) fair value: what the stock is really worth
As of Oct 2, 2026: fair value of Axa SA $40.99, price $47.48, upside -13.7%, quality 65 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
- Fair value above price? No
- Good quality? Yes
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Axa SA
AXAHY · USOvervalued / MonitorQuality is not strong enough to offset the price risk.
What runs behind every stock
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 29, 2026.
How to read this chart
60‑month range $16.64 – $52.28 · fair‑value band $34.02 – $56.69 · the $47.48 price screens above the $40.99 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 29, 2026.
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Company profile
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.
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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.
Stock analysis
Axa SA ADR (AXAHY) currently trades at $47.48, while our model-based Fair Value estimate is $40.99, 13.7% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Economic Profit group reads highest at a median of $39.00 per share, and 1 of the 6 models we run sit above the $47.48 price.
Bear case: the Asset-Based group reads lowest at $17.49, and 5 of the 6 models stay below the price. Evidence for this calculation is high.
Scenario range: $34.02 (bear) to $56.69 (bull), the price of $47.48 sits inside 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 65/100 (solid quality), in the Financial Services sector.
Weak Growth: Revenue growth is weak: less than 2 % a year.
Axa SA ADR reported revenue of €106B in FY2025 versus €112B in FY2021, a compound −1.3%/yr. Reported net income was €9.8B in FY2025, compounding +7.7%/yr from FY2021.
Key figures
Market cap $97.6B · P/E ratio 12.0 · P/S ratio 1.11 · EPS (TTM) $3.97 · Dividend yield 4.9% · Net margin 9.2% · Return on equity 13.4% · Return on assets (EBIT) 2.3%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 57 out of 100 (medium confidence).
What moves the price
The share trades about 9% below its 52-week high and 17% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −22% fair-value upside, at −14%, AXAHY screens cheaper than that median.
Fair Value models
All 6 models by family
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Set up alert →Quality Score breakdown
Of which business quality 57 · Market factors (momentum, volatility) 59
Revenue & earnings trend
Growth Forecast
AXAHY screens overvalued: fair value 14% below the price. Compare with Allianz SE →
Compare Axa SA ADR with another stock
Price, fair value, quality and upside side by side.
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.Insurance - Diversified · 82 stocks
Valuation Multiplesvs Insurance - Diversified median · lower = cheaper
Strength profile in five axes (Snowflake)
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- Undervalued stocks: US Stocks
- Valuation of the USA market
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Insurance - Diversified stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Allianz SE ALV | €412.00 | €229.84 | −44% |
| Zurich Insurance Group ZURN | CHF 563.60 | CHF 328.80 | −42% |
| AXA SA CS | €41.90 | €36.28 | −13% |
| Assicurazioni Generali S.p.A G | €42.75 | €10.92 | −74% |
| Sun Life Financial Inc SLF | $79.48 | $41.03 | −48% |
| American International Group AIG | $74.17 | $71.58 | −3% |
| Talanx AG TLX | €117.40 | €91.88 | −22% |
| The Hartford Insurance Group HIG | $126.04 | $115.03 | −9% |
| Arch Capital Group ACGL | $94.26 | $127.51 | +35% |
| Swiss Life Holding SLHN | CHF 891.00 | CHF 413.93 | −54% |
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Key figures of Axa SA ADR
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