French multinational banking and financial services company offering retail, corporate, investment banking, and asset management services.
Profile & Fundamentals
Societe Generale: Company identity, ownership, reported financial performance, balance sheets, and corporate actions.
Profile & Fundamentals
Societe Generale Profile & Fundamentals
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
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
- Market Cap
- EUR 50.0B
- P/E
- 6.3x
- Revenue (Q2 26)
- EUR 14.4B
- Profit (Q2 26)
- EUR 1.8B
- Dividend Yield
- 2.6%
- Revenue (FY 25)
- EUR 86.2B
- Shares in public float
- 731M
- Insider ownership
- 8.81%
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
Latest: 742.7M | Max: 850.2M | Min: 704.2M
Latest reported ownership snapshot
As of Oct 1, 2026Float Shares
98.43%
731.0M latest reported shares
Insider Ownership
8.81%
Latest reported insider stake
Short Float
--
Latest reported short interest / float
Source tablesView ownership tables
Shares Outstanding
Annual reported shares outstanding; up to 10 reporting dates.
Scroll the table to see every column.
| 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 |
Top Holders
Available reported ownership records.
No reported records are available in this preview.
Earnings, Profitability & Valuation
Earnings, Profitability & Valuation
Earnings & Revenue
Earnings and Revenue Trajectory
AI Review
The company's financial results show a clear operational recovery driven by business simplification and disciplined cost cutting. Following strong performance in fiscal 2025 where reported net income reached 6.00 billion euros, execution remained resilient through mid-2026, supported by rebounding French retail banking revenues and active equity derivatives trading. Management has eliminated unprofitable peripheral divisions to focus on core markets, turning past earnings volatility into predictable cash generation. Beneath the positive headlines, investors should look at recurring banking income rather than temporary gains from asset disposals. The underlying improvement stems from positive operating jaws, where revenues grow faster than expenses. While credit provisioning costs remain exceptionally low, sustainable earnings growth will depend on keeping operational costs down rather than assuming easy revenue expansion.
The company's financial results show a clear operational recovery driven by business simplification and disciplined cost cutting. Following strong performance in fiscal 2025 where reported net income reached 6.00 billion euros, execution remained resilient through mid-2026, supported by rebounding French retail banking revenues and active equity derivatives trading. Management has eliminated unprofitable peripheral divisions to focus on core markets, turning past earnings volatility into predictable cash generation. Beneath the positive headlines, investors should look at recurring banking income rather than temporary gains from asset disposals. The underlying improvement stems from positive operating jaws, where revenues grow faster than expenses. While credit provisioning costs remain exceptionally low, sustainable earnings growth will depend on keeping operational costs down rather than assuming easy revenue expansion.
Revenue, Net Income, and Free Cash Flow
Latest: EUR 86.2B | Max: EUR 86.2B | Min: EUR -29.0B
Valuation
P/E Ratio (TTM)iPublished valuation snapshots use the earnings basis recorded with each observation. Source tables retain that basis.
Latest: 7x
Profitability & Margins
Margins and Operating Efficiency
AI Review
Profitability margins have rebounded solidly from historical lows, with return on tangible equity stabilizing around eleven percent. Operating efficiency has improved significantly, pushing the cost-to-income ratio below sixty percent. This turnaround reflects genuine operational leverage, as branch network mergers reduce redundant overhead while retail interest revenues steadily improve. Maintaining these healthy margins will present challenges as the business cycle matures. While digital banking scale and corporate hedging advisory generate high-margin fees, French statutory savings rules prevent lending margins from expanding rapidly. Because current loan-loss provisions are near historic lows, long-term margin preservation will require continuous internal cost control rather than relying purely on higher interest rates.
Profitability margins have rebounded solidly from historical lows, with return on tangible equity stabilizing around eleven percent. Operating efficiency has improved significantly, pushing the cost-to-income ratio below sixty percent. This turnaround reflects genuine operational leverage, as branch network mergers reduce redundant overhead while retail interest revenues steadily improve. Maintaining these healthy margins will present challenges as the business cycle matures. While digital banking scale and corporate hedging advisory generate high-margin fees, French statutory savings rules prevent lending margins from expanding rapidly. Because current loan-loss provisions are near historic lows, long-term margin preservation will require continuous internal cost control rather than relying purely on higher interest rates.
Profitability Margins
Latest: 61.0% | Max: 100.0% | Min: -1.4%
Latest Profitability Ratios as of 2025-12-31
Gross Margin
61.0%
Gross profit / revenue
Operating Margin
10.2%
Operating income / revenue
Net Margin
7.0%
Net income / revenue
FCF Margin
-33.7%
Free cash flow / revenue
Source tablesView earnings, profitability & valuation tables
Revenue, Net Income, and Free Cash Flow
Annual reported results, using the source statement's recorded USD conversion. Up to 10 reporting periods; missing values are not estimated.
Scroll the table to see every column.
| Period end | Revenue (USD) | Net income (USD) | Free cash flow (USD) |
|---|---|---|---|
| 2016-12-31 | 25,729,380,000 | 4,106,440,000 | 18,230,940,000 |
| 2017-12-31 | 28,981,260,000 | 3,339,140,000 | 26,739,300,000 |
| 2018-12-31 | 27,588,000,000 | 4,697,940,000 | -9,889,500,000 |
| 2019-12-31 | 26,220,320,000 | 3,637,760,000 | 3,577,280,000 |
| 2020-12-31 | 22,968,940,000 | -314,760,000 | 91,747,660,000 |
| 2021-12-31 | 29,323,080,000 | 6,430,740,000 | 15,763,920,000 |
| 2022-12-31 | 27,293,560,000 | 1,952,750,000 | 31,562,860,000 |
| 2023-12-31 | 26,486,900,000 | 2,742,300,000 | 28,111,600,000 |
| 2024-12-31 | 26,268,320,000 | 4,368,000,000 | -22,392,240,000 |
| 2025-12-31 | 100,804,860,000 | 7,022,340,000 | -33,940,530,000 |
Published P/E Ratio
Published valuation snapshots retain each observation's earnings basis.
Scroll the table to see every column.
| 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 |
Profitability Margins
Matching annual reporting dates. Values are percentages.
Scroll the table to see every column.
| Period end | Gross margin (%) | Operating margin (%) | Net margin (%) | Free cash flow margin (%) |
|---|---|---|---|---|
| 2016-12-31 | 100 | 53.42 | 15.96 | 70.86 |
| 2017-12-31 | 100 | 52.39 | 11.52 | 92.26 |
| 2018-12-31 | 100 | 29.63 | 17.03 | -35.85 |
| 2019-12-31 | 100 | 28.07 | 13.87 | 13.64 |
| 2020-12-31 | 100 | 40.51 | -1.37 | 399.44 |
| 2021-12-31 | 100 | 29.19 | 21.93 | 53.76 |
| 2022-12-31 | 100 | 29.46 | 7.15 | 115.64 |
| 2023-12-31 | 100 | 23.07 | 10.35 | 106.13 |
| 2024-12-31 | 100 | 26.87 | 16.63 | -85.24 |
| 2025-12-31 | 61.05 | 10.22 | 6.97 | -33.67 |
Public data excerpt created by iPulse AI and published by Future Edge Group FZE. Source: eodhd. Snapshot retrieved 2026-09-29.
Use is subject to the iPulse AI Terms of Service and applicable source rights. Missing inputs are not estimated. Full access includes the remaining records, research and interactive tools.
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