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Profile & Fundamentals

Societe Generale Profile & Fundamentals

Name: Societe Generale financial chart data preview
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Examine company identity, ownership, reported performance, valuation, balance-sheet resilience, dividends, buybacks, and material corporate events.

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Company and Market Context

Company Profile & Ownership

Société Générale Société anonyme 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 Société anonyme was incorporated in 1864 and is headquartered in Paris, France.

Company profile record

Societe Generale S.A.

Common Stock · Financials · Regional Banks

Official website

Company

Company / asset: Societe Generale S.A.
Security type: Common Stock
Sector: Financials
Industry: Regional Banks
HQ: 🇫🇷 France
Head office: 29 Boulevard Haussmann, Paris, France, 75009

Leadership & scale

Chief executive: Mr. Slavomir Krupa
CEO year born: 1974
Full-time employees: 101.8K
Fiscal year end: December

Fundamentals snapshot

Updated 2026-09-16

Market Cap: EUR 53.9B
P/E: 6.8x
Revenue (Q2 26): EUR 14.4B
Profit (Q2 26): EUR 1.8B
Dividend Yield: 1.7%
Revenue (FY 25): EUR 86.2B
Shares in public float: 731M
Insider ownership: 8.68%

Reporting & identifiers

Symbol: GLE.PAR
Listing: 🇫🇷 France | Dividend Tax: 25%
Ticker Currency: EUR
Income Statement Currency: EUR
Balance Sheet Currency: EUR
Cash Flow Currency: EUR
EPS Currency: EUR
Contract Type: SPOT
ISIN: FR0000130809
Asset ID: equity_6e733fe0-2e3e-594f-a4c1-609f6a481299

Ownership

Shares Outstanding

Shares outstanding

Annual reported shares outstanding. Values in shares.

Earnings, Profitability & Valuation

Earnings & Revenue

AI Review

The bank's recent financial performance shows a dramatic turnaround, highlighted by a massive surge in net income and strong cash generation. This improvement is largely driven by higher interest rates, which have turned the core lending business into a highly profitable engine. Most assessments agree that while headline revenues may normalize after recent accounting adjustments, underlying earnings will remain structurally higher than in the previous decade. However, there is a clear disagreement regarding the future path of credit losses. Optimistic views believe the bank's earnings power is strong enough to easily absorb any economic shocks, while cautious outlooks warn that a severe economic slowdown in Europe will trigger a wave of loan defaults, putting significant pressure on future profits and slowing down the bank's highly popular share buyback program.

Revenue, Net Income, and Free Cash Flow

Revenue
Free cash flow
Net income

Annual reported financial results, converted using the statement's recorded USD conversion. Missing values are omitted. Values in USD.

Valuation

Historical P/E Ratio

Published P/E

Published valuation snapshots. Trailing four-quarter earnings where available; annual earnings otherwise. Non-positive earnings are omitted. Values in times earnings.

Profitability & Margins

AI Review

Profit margins have expanded significantly, driven by the end of the zero-interest-rate era and aggressive internal cost-cutting. The bank is successfully defending its profitability by keeping a tight lid on expenses while earning higher yields on its loans. There is strong consensus that margins are structurally higher than they were a few years ago, making the current low stock valuation look highly attractive. However, a major clash exists regarding the durability of these margins. Cautious views argue that margins have already peaked and will soon shrink as deposit costs rise and credit defaults increase. In contrast, supportive views argue that ongoing staff reductions through automation and the permanent shift to higher interest rates will lock in these expanded margins for the foreseeable future, forcing a major upward repricing of the stock.

Profitability Margins

Gross margin
Operating margin
Net margin
Free cash flow margin

Annual gross, operating, net income and free cash flow divided by revenue for matching reporting dates. Values in percent.

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Reported Data Tables — chart preview

The following tables contain the same values as the financial charts above. Monetary values are USD; margins are percentages. Missing inputs are not estimated. Use is subject to the iPulse AI Terms of Service and applicable source rights.

Source: eodhd. Statement snapshots with chart transformations and ratios calculated by iPulse AI. Snapshot retrieved 2026-09-17.

Annual earnings and profitability
Period end	Revenue	Free cash flow	Net income	Gross margin	Operating margin	Net margin	Free cash flow margin
2016-12-31	25,729,380,000	18,230,940,000	4,106,440,000	100	53.42	15.96	70.86
2017-12-31	28,981,260,000	26,739,300,000	3,339,140,000	100	52.39	11.52	92.26
2018-12-31	27,588,000,000	-9,889,500,000	4,697,940,000	100	29.63	17.03	-35.85
2019-12-31	26,220,320,000	3,577,280,000	3,637,760,000	100	28.07	13.87	13.64
2020-12-31	22,968,940,000	91,747,660,000	-314,760,000	100	40.51	-1.37	399.44
2021-12-31	29,323,080,000	15,763,920,000	6,430,740,000	100	29.19	21.93	53.76
2022-12-31	27,293,560,000	31,562,860,000	1,952,750,000	100	29.46	7.15	115.64
2023-12-31	26,486,900,000	28,111,600,000	2,742,300,000	100	23.07	10.35	106.13
2024-12-31	26,268,320,000	-22,392,240,000	4,368,000,000	100	26.87	16.63	-85.24
2025-12-31	100,804,860,000	-33,940,530,000	7,022,340,000	61.05	10.22	6.97	-33.67

Published valuation snapshots
Period end	P/E (times earnings)	Earnings basis
2025-12-31	7.09	Trailing four quarters
2024-12-31	4.55	Trailing four quarters
2023-12-31	7.66	Trailing four quarters
2022-12-31	9.29	Annual net income
2021-12-31	4.55	Annual net income

Shares outstanding — chart values
Reporting date	Shares outstanding
2017-01-01	800,012,500
2018-01-01	789,461,600
2019-01-01	839,863,300
2020-01-01	844,583,700
2021-01-01	850,190,600
2022-01-01	722,048,800
2023-01-01	794,649,500
2024-01-01	704,248,000
2025-01-01	776,255,000
2026-01-01	742,696,000

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Earnings, Profitability & Valuation
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Capital Expenditure & R&D
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Balance Sheet
- Balance sheet AI review
- Assets, debt and equity
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Dividends & Actions
- Cash dividends paid
- Dividend indicators
- Buybacks and issuance
- Combined shareholder returns
- Available corporate actions

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