Societe Generale (SCGLY) fair value: what the stock is really worth
As of Oct 2, 2026: fair value of Societe Generale $17.86, price $14.87, upside +20.1%, quality 46 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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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 Oct 1, 2026.
How to read this chart
60‑month range $3.29 – $19.40 · fair‑value band $16.30 – $21.51 · the $14.87 price screens below the $17.86 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Oct 1, 2026.
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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.
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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
Societe Generale ADR (SCGLY) currently trades at $14.87, while our model-based Fair Value estimate is $17.86, implying the stock looks roughly 16.7% undervalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of $23.11 per share, and 3 of the 6 models we run sit above the $14.87 price.
Bear case: the Dividend Discount group reads lowest at $3.06, and 3 of the 6 models stay below the price. Evidence for this calculation is medium.
Scenario range: $16.30 (bear) to $21.51 (bull), the price of $14.87 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 46/100 (below-average quality), in the Financial Services sector.
Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Societe Generale ADR reported revenue of €86.2B in FY2025 versus €46.1B in FY2021, a compound +16.9%/yr. Reported net income was €5.8B in FY2025, compounding +0.5%/yr from FY2021.
Key figures
Market cap $65.5B · P/E ratio 9.1 · P/S ratio 0.61 · EPS (TTM) $1.63 · Dividend yield 2.1% · Net margin 6.7% · Return on equity 8.9% · Return on assets (EBIT) 0.4%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 38 out of 100 (low confidence).
What moves the price
The share trades about 23% below its 52-week high and 23% 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 20%, SCGLY screens cheaper than that median.
Fair Value models
Bear $16.30Fair Value $17.86Bull $21.51
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 ($0.0151 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.
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 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.
+28.4%
Revenue growth 5 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.
+15.9%
Revenue growth 24 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.
+5.4%
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What shareholders gained per year (last 5 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 5 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.
+44.6%
Earnings growth per share plus dividend.
Earnings per share, growth per year+42.5%
Dividend (yield on the price)2.1%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.7.6% vs 4.6%, picking up
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.3% → 10%
2025 sits 145% above its own trend. The rate follows the median trend of the last 5 years, not that single year.
News mood ⓘNews mood, the average tone of recent news (72 articles), rated against how stocks are usually covered. 🚀 Hype = unusually upbeat · 🙂 Positive = above average · 😐 Neutral = typical · 🙁 Negative = below average · 😨 Very negative = unusually downbeat. It reflects the tone of coverage, not our valuation.Neutral
Recent news coverage is roughly neutral, about typical for how stocks are covered.
Price, fair value, quality and upside side by side.
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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 5/14 measures
Overall it trails its industry peers.
Valuation
Quality Score52 · Below median
Fair Value upside+29.0% · Top 25%
Profitability
Return on equity (TTM)8.9% · Below median
Return on assets0.5% · Bottom 25%
Net margin (TTM)23.6% · Below median
Operating margin (TTM)37.0% · Below median
Growth and dividend
Revenue growth0.2% · Bottom 25%
Dividend yield (TTM)2.1% · Below median
Balance sheet
Debt / equity4.52× · Highest 25%
Valuation Multiplesvs Banks - Regional median · lower = cheaper
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Cite: Fair Value Calculator (2026). "Societe Generale ADR Fair Value". https://www.fairvalue-calculator.com/stock/SCGLY
Frequently asked questions
Is Societe Generale (SCGLY) overvalued or undervalued?
As of Oct 1, 2026, our model estimates a fair value of $17.86 versus a price of $14.87, about +20% upside (undervalued).
What is the fair value of SCGLY?
Our model-based fair value for Societe Generale ADR is $17.86 (as of Oct 1, 2026), built from audited fundamentals. The current price: $14.87.
What is the quality score of SCGLY?
Societe Generale ADR has a Quality Score of 46/100. 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 Societe Generale (SCGLY)?
Our model-based price target is the fair value of $17.86 (as of Oct 1, 2026) from 6 valuation models. Cautious scenario $16.30, optimistic scenario $21.51. It is a calculation from audited fundamentals, not an analyst target.
What is the Societe Generale ADR stock forecast for 2026?
Our models put fair value at $17.86, about +20% upside versus a price of $14.87 (undervalued). Cautious scenario $16.30, optimistic scenario $21.51. The calculation is refreshed regularly with new filings.
Does Societe Generale ADR pay a dividend?
Societe Generale ADR currently shows a dividend yield of about 2.08% relative to its recent price (as of Oct 1, 2026).
What is the intrinsic value of Societe Generale (SCGLY)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Societe Generale ADR it is $17.86 per share (as of Oct 1, 2026), against a price of $14.87. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is Societe Generale ADR stock overvalued or undervalued in 2026?
As of Oct 1, 2026, SCGLY trades below its calculated fair value: price $14.87, fair value $17.86, a gap of about +20% (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 SCGLY?
No. The price is what the market pays today ($14.87); the fair value is what the company's own numbers justify ($17.86). For Societe Generale ADR the two are $2.99 per share apart. That gap is exactly why we show both numbers side by side.
How much is Societe Generale ADR worth?
The market values Societe Generale ADR at about $65.5B (market capitalisation, as of Oct 1, 2026). Per share that is $14.87; our models calculate a fair value of $17.86 per share.
What do the bullish and bearish scenarios say about SCGLY?
Our models span a range for Societe Generale ADR: cautious scenario $16.30, base $17.86, optimistic $21.51 per share (as of Oct 1, 2026, price $14.87). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of SCGLY?
Societe Generale ADR trades at a price-to-earnings ratio of 9.1 (as of Oct 1, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $17.86 is built from several models across several years. Other multiples: PEG 2.1, P/B 1.1, P/S 2.5, EV/EBITDA 7.5.
What is the PEG ratio of SCGLY?
The PEG ratio of Societe Generale ADR is 2.15 (P/E divided by earnings growth, as of Oct 1, 2026). That is above 1, so the growth is already paid for in the price.
How solid is the balance sheet of Societe Generale (SCGLY)?
Balance-sheet figures for Societe Generale ADR (as of Oct 1, 2026): return on equity 8.9%, debt of 4.52 per unit of equity. They feed the Quality Score of 46/100, which measures business quality independently of the share price.
How far is SCGLY from its 52-week high?
Societe Generale ADR trades at $14.87, about 23% below its 52-week high of $19.40 and 23% above the low of $12.11 (as of Oct 2, 2026). Distance from the high says nothing about value: that is what the fair value of $17.86 is for.
Which stocks are comparable to Societe Generale ADR?
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 Societe Generale ADR stock attractive at the current price?
The data as of Oct 1, 2026: price $14.87, calculated fair value $17.86 (+20%), Quality Score 46/100, from 6 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 SCGLY calculated?
We run Societe Generale ADR through 6 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 $17.86, 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. Societe Generale ADR currently trades 17 % 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 Societe Generale (SCGLY)?
The closing price on Oct 2, 2026 was $14.87. Our model-based fair value is $17.86, about +20% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Societe Generale ADR right now?
The price is below even our cautious bear case ($16.30). The market is more pessimistic than our downside scenario. Solid quality (46/100) 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.
Where does the earnings growth of Societe Generale (SCGLY) come from?
Earnings per share at Societe Generale ADR grew +2.0 % a year from 2014 to 2025. Broken into its drivers: revenue per share +5.4 %, EBIT margin −2.8 %, tax rate +0.6 %, residual (interest, one-offs) −1.0 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.
Key figures of Societe Generale ADR
How large is the market capitalisation of Societe Generale (SCGLY)?
The market capitalisation of Societe Generale ADR is $65.5B. 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 Societe Generale (SCGLY)?
The price-to-sales ratio of Societe Generale ADR is 0.61 (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 Societe Generale (SCGLY)?
Earnings per share at Societe Generale ADR are $1.63 (price ÷ EPS = P/E 9.1). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Societe Generale (SCGLY)?
The dividend yield of Societe Generale ADR is 2.1% (payout 19.0%). 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 Societe Generale (SCGLY)?
The net margin of Societe Generale ADR is 6.7% (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 Societe Generale (SCGLY)?
The return on equity (ROE) of Societe Generale ADR is 8.9% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Societe Generale (SCGLY)?
On an EBIT basis the return on assets of Societe Generale ADR is 0.4% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Societe Generale (SCGLY)?
The operating margin of Societe Generale ADR is 37.0% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Societe Generale (SCGLY)?
Revenue at Societe Generale ADR is growing +0.2% versus a year earlier (3y avg +16.9%). 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 Societe Generale (SCGLY)?
Earnings per share at Societe Generale ADR are growing +14.1% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Societe Generale (SCGLY) generate?
The free cash flow of Societe Generale ADR is −€29.0B (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Societe Generale (SCGLY) carry?
The net debt of Societe Generale ADR is €92.0B (fiscal year 2025). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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Oct 1, 2026