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Société Générale S.A. (SCGLY) Stock Analysis

$17.20 -$0.55 (-3.10%) |CouncilSplit View · 48 · C
Bottom line: Split View — our Council read (48/100) and AI Score (52/100) broadly agree. Strongest signal: Izzy Englander bullish · Biggest watch-out: Seth Klarman bearish.
MCap: $63.0B| P/E Ratio: 7.6| Vol: 13K| 52-wk range: $11.53 – $18.30
Data from FMP · Methodology

For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.

Société Générale S.A. (SCGLY) trades at $17.20 with AI Score 52/100 (Grade B). Société Générale S. A. Market cap: $63.0B, Sector: Financial services.

Price as of Jul 24, 2026 · Last analyzed: Jun 15, 2026
Société Générale S.A. is a French financial services group offering retail banking, insurance, and investment services to individual, business, and institutional clients globally. Founded in 1864, it operates under brands like Societe Generale, Credit du Nord, and Boursorama.

Analyst Coverage for SCGLY: SCGLY does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates SCGLY against Financial Services peers across nine fundamental dimensions and assigns a mixed fundamental profile based on the underlying data.

Watch the SCGLY film Every key number, told as a short cinematic story — just press play. ~2 min
Council Score · Weighted Average of 3 Disciplines
Split View 48/100 · C

SCGLY: the 3 scored disciplines are evenly split. Dominant signal: Izzy Englander bullish.

How is this calculated? →
Legends Council · 5 Legends + Moon AI
Ray Dalio
Bullish
Izzy Englander
Bullish
Seth Klarman
Bearish
Moon AI
Bullish
Munger's Mindset · Balance Sheet & Valuation
Financial Health
Weak
Margin of Safety
Undervalued
Council Score · Weighted Average of 3 Disciplines · See tabs for details →

Why this analysis is different

  • A 9-signal quantitative MoonshotScore built from filings, insider activity, and market data — computed from the numbers, not from opinion.
  • An AI Council read across up to eight perspectives — value, macro, quantitative, and momentum lenses — that shows where they disagree instead of averaging the tension away.
  • Figures come straight from FMP and Yahoo Finance filings data. The AI writes the narrative around the numbers — it never edits the numbers.

Société Générale S.A. (SCGLY) Financial Services Profile

CEOSlawomir Krupa
Employees111,754
HeadquartersParis, FR
IPO Year1996

Société Générale S.A. (SCGLY) is a prominent French financial services institution, established in 1864, providing diverse retail banking, insurance, and investment solutions across Europe and internationally. Operating through key brands, it maintains a significant presence in the regional and global banking sector, serving a broad client base.

Data Provenance | Financial Data Quantitative Analysis NASDAQ Analysis: Jun 15, 2026

What Is the Investment Thesis for SCGLY?

As of Jun 15, 2026 — figures reflect the data available on that date.

Société Générale S.A. (SCGLY) presents a profile rooted in its long-standing presence and diversified financial services offerings. With a market capitalization of $63.0B, the company demonstrates significant scale within the global banking sector. Its P/E ratio of 7.6 suggests a potentially attractive valuation relative to its earnings, which could appeal to value-oriented investors. The company's operational efficiency is highlighted by a robust gross margin of 71.2% and a profit margin of 13.2%, indicating effective revenue generation and cost management. A dividend yield of 2.19% provides a steady income component for shareholders. Key growth catalysts include the continued expansion and digitalization of its retail banking operations, particularly through the Boursorama brand, and the strategic development of its insurance and investor services segments. The company's international footprint also offers avenues for growth in various economic cycles. However, potential risks include exposure to economic downturns, stringent regulatory environments, and intense competition within the financial services industry, which could impact profitability and growth trajectories. The thesis emphasizes the company's established market position and diversified revenue streams as foundational elements for its long-term stability and potential for capital appreciation.

Based on FMP financials and quantitative analysis

SCGLY Key Highlights

  • Société Générale S.A. commands a substantial market capitalization of $63.0B, reflecting its significant scale and established presence in the global financial services industry.
  • The company exhibits a P/E ratio of 7.6, which may indicate a valuation that is relatively low compared to its earnings, potentially signaling an attractive entry point for investors.
  • A strong gross margin of 71.2% highlights Société Générale's efficiency in generating revenue from its core operations before accounting for operating expenses.
  • Société Générale maintains a healthy profit margin of 13.2%, demonstrating its ability to translate a significant portion of its revenue into net income.
  • Shareholders benefit from a dividend yield of 2.19%, providing a consistent income stream and reflecting the company's commitment to returning value to investors.

Who Are SCGLY's Competitors?

SCGLY is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.

Company Price Change Market Cap AI Score
OVCHY Oversea-Chinese Banking Corporation Limited $44.50 -1.26% $100B 44
BHKLY BOC Hong Kong (Holdings) Limited $122.50 +1.13% $64.8B 57
NRDBY Nordea Bank Abp $19.31 -2.67% $65.5B 61
CRARY Crédit Agricole S.A. $10.19 -1.67% $61.6B 46
SCBFY Standard Chartered PLC $56.45 -2.56% $61.4B 65
USB U.S. Bancorp $63.33 -1.77% $98.7B 95
MTB M&T Bank Corporation $245.97 -1.90% $36.0B 92
RF Regions Financial Corporation $30.66 -0.65% $26.2B 92

AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance

What Are SCGLY's Key Strengths?

  • Long-standing history and established brand reputation since 1864, fostering trust and client loyalty.
  • Diversified revenue streams across retail banking, corporate & investment banking, and insurance services.
  • Significant international presence, particularly in Europe and other key markets, reducing geographic concentration risk.
  • Strong gross margin of 71.2% and profit margin of 13.2% indicate efficient operations and profitability.
  • Leading position in digital banking in France through its Boursorama brand.

What Are SCGLY's Weaknesses?

  • Exposure to stringent and evolving regulatory requirements in multiple jurisdictions, leading to increased compliance costs.
  • Potential sensitivity to economic downturns, which can impact loan quality and demand for financial services.
  • Intense competition across all segments from both traditional banks and agile FinTech companies.
  • Reliance on the stability of European economies for a significant portion of its revenue.
  • Complexity of managing a large, diversified financial group with over 111,000 employees.

What Could Drive SCGLY Stock Higher?

  • Continued digital transformation initiatives, particularly the growth and expansion of its Boursorama online banking platform, are expected to attract new customers and enhance operational efficiency.
  • Strategic focus on strengthening and expanding its insurance and investor services offerings, leveraging cross-selling opportunities within its existing client base.
  • Potential positive shifts in the European interest rate environment, which could lead to an improvement in net interest margins and overall profitability for the banking sector.
  • Realization of synergies and operational efficiencies from ongoing integration efforts within its retail banking network, such as the Credit du Nord merger, aimed at optimizing cost structures.
  • Further development and adoption of sustainable finance products and services, aligning with increasing regulatory and investor demand for ESG-compliant investments, potentially attracting new capital.

What Are the Key Risks for SCGLY?

  • Financial-distress signal — its Altman Z-Score of -0.23 sits in the distress zone (elevated bankruptcy risk).
  • Exposure to economic downturns and geopolitical instability in Europe and internationally, which could negatively impact loan quality, credit demand, and financial market performance.
  • Intense competition from both established global banks and agile FinTech companies, potentially leading to pressure on margins and market share across its diverse business segments.
  • Adverse changes in the regulatory landscape, including stricter capital requirements, consumer protection laws, or anti-money laundering regulations, could increase compliance costs and limit operational flexibility.
  • Fluctuations in interest rates, particularly if rates remain low or experience unexpected volatility, could compress net interest margins and reduce profitability.
  • Cybersecurity threats and data breaches pose an ongoing risk, potentially leading to significant financial losses, reputational damage, and regulatory penalties, especially for a large financial institution.

What Are the Growth Opportunities for SCGLY?

  • **Digital Banking Expansion:** Société Générale is well-positioned to capitalize on the accelerating shift towards digital financial services, particularly through its Boursorama brand, a leading online bank in France. The global digital banking market is projected to continue its robust growth, driven by consumer demand for convenience, efficiency, and mobile-first solutions. By investing further in Boursorama's technology, user experience, and product offerings, Société Générale can attract new, younger demographics and expand its market share in a cost-effective manner. This strategy allows for reduced operational overhead compared to traditional branch networks and offers a scalable model for future growth, potentially extending its digital footprint beyond its current core markets over the next 3-5 years.
  • **International Market Penetration:** The company's existing international footprint provides a foundation for targeted expansion in high-growth emerging markets or underserved regions. While its primary focus remains Europe, strategic investments in specific international territories, particularly in Africa and other developing economies where financial services penetration is increasing, could unlock significant revenue streams. This involves leveraging its expertise in corporate and investment banking to support local businesses and governments, as well as adapting its retail banking models to local market needs. Such expansion would diversify its revenue base and reduce reliance on any single geographic market, with potential long-term benefits over a 5-10 year horizon.
  • **Insurance Services Growth:** Société Générale's integrated model, which includes a substantial insurance arm, offers a significant cross-selling opportunity to its vast retail and corporate client base. As individuals and businesses increasingly seek comprehensive financial protection and wealth management solutions, the demand for insurance products (life, health, property & casualty, and credit insurance) is growing. By enhancing its insurance product suite and integrating it more seamlessly with its banking services, Société Générale can deepen customer relationships, increase customer lifetime value, and capture a larger share of the financial protection market. This synergy can drive consistent revenue growth over the next 2-5 years.
  • **Corporate & Investment Banking (CIB) Strength:** As a major player serving institutional investors, Société Générale can further leverage its Corporate & Investment Banking division. This involves capitalizing on global financial markets, providing advisory services for mergers and acquisitions, and facilitating capital market transactions for large corporations and institutions. The CIB segment benefits from periods of economic activity and market volatility, offering opportunities for increased trading income and advisory fees. By strengthening its specialized expertise and global network in areas like sustainable finance and digital asset services, the bank can attract high-value clients and enhance its position in complex financial transactions, contributing to growth over the medium term (3-7 years).
  • **Sustainable Finance Initiatives:** There is a rapidly growing global market for sustainable and ESG (Environmental, Social, and Governance) compliant financial products and services. Société Générale can significantly expand its offerings in green bonds, sustainable loans, ESG-focused investment funds, and advisory services for companies transitioning to more sustainable operations. This aligns with increasing regulatory pressures and investor demand for responsible finance. By positioning itself as a leader in sustainable finance, the bank can attract new clients, enhance its brand reputation, and tap into a market segment that is expected to see substantial growth over the next decade, providing a long-term competitive advantage.

What Opportunities Does SCGLY Have?

  • Further expansion and innovation in digital banking services to capture new customer segments and enhance efficiency.
  • Growth in sustainable finance and ESG-related products and services, aligning with global trends and investor demand.
  • Strategic acquisitions or partnerships in key growth markets or technological niches to enhance capabilities.
  • Leveraging data analytics and AI to personalize customer offerings and improve risk management.
  • Capitalizing on potential shifts in interest rate environments to improve net interest margins.

What Threats Does SCGLY Face?

  • Adverse changes in global or regional interest rates, impacting net interest income and profitability.
  • Increased competition from new market entrants, including FinTechs and challenger banks, eroding market share.
  • Heightened geopolitical risks and economic instability, particularly in Europe, affecting market confidence and investment.
  • Cybersecurity threats and data breaches, which could lead to significant financial losses and reputational damage.
  • Further tightening of banking regulations and capital requirements, potentially constraining lending and profitability.

What Are SCGLY's Competitive Advantages?

  • **Established Brand and Trust:** With over 160 years of operation, Société Générale benefits from deep-seated brand recognition and trust among its European and international clientele, a critical asset in the financial services sector.
  • **Diversified Business Model:** The company's comprehensive offerings spanning retail banking, corporate and investment banking, and insurance provide multiple revenue streams, reducing reliance on any single market segment and enhancing resilience.
  • **Extensive Geographic Reach:** Operating across Europe and internationally, Société Générale possesses a broad market presence that allows it to capture diverse economic opportunities and mitigate regional downturns.
  • **Regulatory Expertise and Scale:** As a large, systemically important financial institution, Société Générale navigates complex regulatory environments with established compliance frameworks, a barrier to entry for smaller competitors.
  • **Digital Innovation (Boursorama):** Its strong position in digital banking through Boursorama provides a competitive edge in attracting digitally native customers and operating with greater efficiency compared to traditional branch-heavy models.

What Does SCGLY Do?

Société Générale Société anonyme, founded in 1864 and headquartered in Paris, France, stands as a venerable institution in the global financial services sector. Over its extensive history, the company has evolved from its origins to become a comprehensive provider of financial solutions, catering to a diverse clientele that includes individual consumers, businesses of various sizes, and large institutional investors across Europe and internationally. Its core offerings are structured around several key pillars. Under its retail banking segment, Société Générale operates through well-recognized brand names such as Societe Generale, Credit du Nord, and Boursorama. The Societe Generale brand itself represents its traditional branch network and comprehensive banking services, while Credit du Nord, a network of regional banks, offers a localized approach to client relationships. Boursorama, on the other hand, is a leading online bank in France, underscoring the company's commitment to digital innovation and catering to the evolving preferences of modern consumers. Beyond traditional banking, Société Générale also provides a robust suite of insurance products, ranging from life insurance to property and casualty coverage, designed to protect its clients' assets and secure their financial futures. Furthermore, the company extends its expertise to investor services, offering asset management, private banking, and securities services to institutional clients, helping them navigate complex financial markets. This diversified business model, spanning retail, insurance, and investment services, allows Société Générale to capture revenue across multiple financial disciplines and maintain a strong competitive position within the highly regulated and dynamic financial services industry.

What Products and Services Does SCGLY Offer?

  • Provide retail banking services to individuals and small businesses under brands like Societe Generale, Credit du Nord, and Boursorama.
  • Offer a comprehensive range of insurance products, including life, property, and casualty insurance.
  • Deliver investor services, including asset management, private banking, and securities services, to institutional clients.
  • Facilitate corporate and investment banking activities for large corporations and financial institutions.
  • Manage savings accounts, current accounts, loans, and mortgages for its diverse customer base.
  • Engage in financial market activities, including trading and hedging solutions for clients.
  • Operate an extensive network of branches and digital platforms across Europe and internationally.

How Does SCGLY Make Money?

  • Generates net interest income from the difference between interest earned on loans and investments and interest paid on deposits and borrowings.
  • Earns fee and commission income from various banking services, insurance policy sales, asset management, and investment advisory.
  • Derives trading income from its capital markets activities, including foreign exchange, equities, and fixed income instruments.
  • Collects premiums from its insurance products and manages investment portfolios for policyholders.
  • Provides advisory and underwriting services for corporate finance and capital market transactions.

What Industry Does SCGLY Operate In?

Société Générale S.A. operates within the highly competitive and regulated Banks - Regional industry, a segment of the broader Financial Services sector. This industry is characterized by significant capital requirements, stringent regulatory oversight, and a constant need for technological innovation. Société Générale, with its founding dating back to 1864, holds a well-entrenched position among major European banks. Current market trends include the accelerating shift towards digital banking, increased demand for sustainable finance products, and evolving interest rate environments that directly impact banks' net interest margins. The competitive landscape is fierce, comprising other large international banks, regional players, and a growing number of agile FinTech companies. Société Générale differentiates itself through its diversified offerings across retail, corporate, and investment banking, alongside insurance, and its significant international presence, allowing it to navigate regional economic fluctuations and capitalize on global opportunities.

Who Are SCGLY's Key Customers?

  • Individual retail customers seeking everyday banking, savings, loan, and insurance products.
  • Small and medium-sized enterprises (SMEs) requiring business loans, payment solutions, and treasury services.
  • Large corporations and multinational companies utilizing corporate finance, investment banking, and cash management services.
  • Institutional investors, such as pension funds, asset managers, and hedge funds, seeking securities services, asset management, and market access.
  • High-net-worth individuals and families seeking private banking and wealth management solutions.
AI Confidence: 73% Updated: Jun 15, 2026

Company Profile

Société Générale S.A. operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Paris, FR. The company is led by CEO Slawomir Krupa. SCGLY has traded publicly since 1996.

F-Score 5/9Financial Health

Société Générale S.A.'s Piotroski F-Score is 5/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of -0.23 places it in the distress zone, a signal of elevated financial risk.

ROE 11%Key Financial Metrics

Return on equity for Société Générale S.A. stands at 10.9%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 0.5%, showing how much profit it generates from its asset base. SCGLY trades at a trailing price-to-earnings ratio of 7.59, below the Financial Services sector average of ~18x. Its free cash flow yield is -98.0%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.24 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 13.2%, the inverse of the P/E and a quick read on earnings relative to price.

SCGLY Valuation & Market Position

With a $63.0B market cap, Société Générale S.A. sits in the large-cap segment of the market. Relative to its peer group, SCGLY's quantitative score of 52/100 is roughly in line with the peer average of 55/100.

FY2026 estForward Outlook

Wall Street analysts project Société Générale S.A. revenue of about $27.23B for fiscal 2026, with EPS near $1.78. The estimate reflects 9 contributing analysts.

SCGLY Financials

Fundamental Snapshot

Revenue Growth (FY)
-11.8%
Net Income Growth (FY)
+37.3%
EPS Growth (FY)
+53.4%
Free Cash Flow Growth (FY)
-34.7%
P/E (TTM)
7.6
Return on Equity (TTM)
+10.9%
Current Ratio
0.2
EV/EBITDA (TTM)
4.2

Based on FMP financials and quantitative analysis · FY 2025

Bull Case vs Bear Case

Bull Case

  • Recent insider buying suggests confidence in the company's future, indicating that executives believe in the potential for growth.
  • Community sentiment has turned positive, with discussions highlighting improved operational efficiency and strategic initiatives.
  • Market perception is bolstered by favorable regulatory developments in Europe, which may enhance profitability.
  • Analysts are noting a potential rebound in investment banking activities, which could drive revenue growth in the coming quarters.

Bear Case

  • Concerns about macroeconomic factors, particularly inflation and interest rate hikes, are weighing on investor sentiment.
  • Recent bearish community discussions emphasize potential risks in the European banking sector, including credit quality deterioration.
  • There are fears that geopolitical tensions may impact market stability, leading to cautious investment behavior.
  • Some analysts are skeptical about the sustainability of recent gains, pointing to historical volatility in the banking sector as a cause for concern.

AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026

SCGLY Latest News

SCGLY Analyst Consensus

Consensus Rating

Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for SCGLY.

Price Targets

Wall Street price target analysis for SCGLY.

SCGLY MoonshotScore

52/100

What does this score mean?

The MoonshotScore rates SCGLY 0-100 on quantitative fundamentals — growth, financial health, valuation, momentum, and risk.

Leadership: Slawomir Krupa

Chief Executive Officer

Unknown. Specific details regarding Slawomir Krupa's full career history, educational background, previous roles before joining Société Générale, or specific credentials are not provided in the source data.

Track Record: Unknown. Specific achievements, strategic decisions, or company milestones directly attributable to Slawomir Krupa's leadership are not detailed in the provided source information.

Société Générale S.A. ADR Information Unsponsored

Société Générale S.A. trades in the U.S. market as an American Depositary Receipt (ADR), specifically a Level 1 ADR. An ADR is a certificate issued by a U.S. bank that represents shares in a foreign stock, allowing U.S. investors to buy shares of foreign companies on U.S. exchanges. For SCGLY, this means investors can trade its shares in U.S. dollars without directly accessing the Paris stock exchange, simplifying investment in a non-U.S. company.

  • Home Market Ticker: The primary stock exchange for Société Générale S.A. is Euronext Paris, located in France, where its ordinary shares trade under the ticker SCGL.
  • ADR Level: 1
  • ADR Ratio: 1:1
  • Home Market Ticker: SCGL
Currency Risk: Holders of SCGLY ADRs are exposed to currency risk, primarily between the Euro (EUR), the home currency of Société Générale, and the U.S. Dollar (USD). Fluctuations in the EUR/USD exchange rate can impact the value of the ADRs in U.S. dollar terms, as well as the U.S. dollar value of any dividends paid. If the Euro weakens against the U.S. Dollar, the value of the ADR and its dividends, when converted to USD, will decrease, even if the underlying share price in Euros remains stable or increases.
Tax Implications: Dividends paid by Société Générale S.A. to ADR holders are generally subject to a foreign withholding tax by the French government. The standard withholding tax rate for non-residents can vary, but U.S. investors may be eligible for a reduced rate under the U.S.-France tax treaty. Investors typically receive a net dividend, and the withheld tax may be claimed as a foreign tax credit on their U.S. tax return, subject to IRS limitations.
Trading Hours: The primary trading hours for Société Générale's ordinary shares (SCGL) on Euronext Paris are generally from 9:00 AM to 5:30 PM Central European Time (CET). In contrast, SCGLY ADRs trade on the U.S. OTC market, typically during standard U.S. market hours, which are 9:30 AM to 4:00 PM Eastern Time (ET). This difference means that news or events occurring during European trading hours may not be immediately reflected in the SCGLY ADR price until U.S. markets open, leading to potential price gaps.

SCGLY OTC Market Information

Société Générale S.A. (SCGLY) trades on the OTC market under the 'OTC Other' tier. This tier is for companies that do not qualify for OTCQX or OTCQB, or choose not to provide the required disclosure for those tiers. Unlike stocks listed on major exchanges like the NYSE or NASDAQ, which have strict listing requirements regarding financial reporting, corporate governance, and minimum share prices, 'OTC Other' companies face significantly fewer regulatory hurdles. This tier is often associated with companies that have limited public disclosure, making it more challenging for investors to access comprehensive and timely financial information. Trading in this tier typically involves lower liquidity and wider bid-ask spreads compared to exchange-listed securities.

  • OTC Tier: OTC Other
Liquidity: Trading in SCGLY on the OTC market, particularly within the 'OTC Other' tier, typically implies lower liquidity compared to stocks listed on major exchanges. Lower liquidity means there may be fewer buyers and sellers at any given time, potentially leading to wider bid-ask spreads and greater price volatility. Investors might find it more challenging to execute large orders without significantly impacting the stock price, and it could take longer to buy or sell shares. This can result in less efficient price discovery and increased transaction costs for investors.
OTC Risk Factors:
  • **Limited Transparency:** The 'Unknown' disclosure status means investors may lack access to comprehensive and timely financial information, making it difficult to assess the company's true financial health and operational performance.
  • **Lower Liquidity:** Trading on the 'OTC Other' tier often results in lower trading volumes and wider bid-ask spreads, making it harder to buy or sell shares quickly at desired prices.
  • **Price Volatility:** Reduced liquidity and limited information can contribute to higher price volatility, exposing investors to greater potential for rapid and unpredictable price swings.
  • **Limited Analyst Coverage:** OTC stocks, especially those in lower tiers, typically receive less attention from institutional analysts, leading to fewer independent research reports and less market insight.
  • **Regulatory Oversight:** While the company is regulated in its home market, the OTC market in the U.S. has less stringent oversight compared to major exchanges, which may offer fewer protections for investors.
Due Diligence Checklist:
  • Verify the company's financial statements and annual reports, if available, directly from its home country filings or investor relations website.
  • Research the company's management team and corporate governance practices, looking for stability and transparency.
  • Understand the specific business model and competitive landscape in its primary operating markets (France and Europe).
  • Assess the liquidity of the ADR by examining historical trading volumes and bid-ask spreads on the OTC market.
  • Investigate any news or regulatory actions related to Société Générale from reputable financial news sources and regulatory bodies.
  • Consult with a financial advisor experienced in international and OTC investments to understand the unique risks.
  • Evaluate the impact of currency exchange rates (EUR/USD) on the ADR's value and dividend payments.
Legitimacy Signals:
  • **Long Operating History:** Founded in 1864, Société Générale has a deep-rooted history, indicating stability and resilience over many economic cycles.
  • **Large Employee Base:** With 111,754 employees, it is a significant global employer, reflecting substantial operational scale and infrastructure.
  • **Headquartered in Paris, France:** Its headquarters in a major global financial hub like Paris signals its established presence and adherence to European financial standards.
  • **Listed on Euronext Paris:** The company's primary listing on a regulated major international stock exchange (Euronext Paris) provides a level of legitimacy and oversight, even if its ADR trades OTC in the U.S.
  • **Diversified Financial Services:** Offering a broad range of services from retail banking to investment banking and insurance, it operates as a full-fledged, diversified financial institution.

SCGLY Financial Services Stock FAQ

What does the AI Score mean for SCGLY?

SCGLY holds an AI Score of 52/100 (Grade: B). This is an educational research signal, not a buy or sell recommendation. Société Générale S.A. is a French financial services group offering retail banking, insurance, and investment services to individual, business, and institutional clients globally. Founded in 1864 …

What does Société Générale S.A. do?

Société Générale S.A. is a prominent French financial services group that provides a comprehensive array of banking, insurance, and investment solutions. It serves individual clients through its retail banking brands like Societe Generale, Credit du Nord, and the digital-first Boursorama. For businesses, it offers various financial services, including lending and payment solutions.

How sensitive is SCGLY to interest rate changes?

As a major financial institution, Société Générale S.A. (SCGLY) is inherently sensitive to changes in interest rates. Its profitability is significantly influenced by its net interest margin (NIM), which is the difference between the interest income earned on assets (like loans) and the interest paid on liabilities (like deposits).

What is Société Générale S.A.'s credit quality and risk management approach?

Société Générale S.A.'s credit quality is a critical aspect of its financial health, reflecting the strength of its loan portfolio and its ability to manage credit risk effectively. As a large bank, it holds a diverse portfolio of loans to individuals, businesses, and institutions across various sectors and geographies.

What are the main risks for SCGLY?

Société Générale S.A. faces several key risks inherent to the financial services industry. Ongoing economic downturns or geopolitical instability, particularly within its core European markets, could lead to increased loan defaults, reduced demand for financial products, and volatile market conditions.

What are the key factors to evaluate for SCGLY?

Société Générale S.A. (SCGLY) holds an AI score of 52/100 (moderate). P/E: 7.6x vs the S&P 500's ~20-25x. Not financial advice.

How frequently does SCGLY data refresh on this page?

SCGLY's price was last updated on Jul 24, 2026 and refreshes on page view during U.S. market hours — it is not a real-time exchange feed. Fundamentals update after quarterly filings; the MoonshotScore recalculates nightly; news aggregates continuously.

What has driven SCGLY's recent stock price performance?

Société Générale S.A. (SCGLY) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Long-standing history and established brand reputation since 1864, fostering trust and client loyalty. See the News tab for the latest drivers. Past performance does not predict future results.

Should investors consider SCGLY overvalued or undervalued right now?

Société Générale S.A. (SCGLY) trades at 7.6x earnings. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.

Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.

Official Resources

Price as of Analysis updated AI Score refreshed daily
Data Sources & Methodology
Market data powered by Financial Modeling Prep & Yahoo Finance. AI analysis by Stock Expert AI proprietary algorithms. Technical indicators via industry-standard calculations. Last updated: .
Data Provenance
Sources: Financial Modeling Prep (FMP) — Primary · Yahoo Finance — Fallback · Alpaca — Tertiary
Last fetched:
Cache TTL: Quote 5min · Profile 7d · Financials 7d · Insider 48h
How we use AI: Numbers are pulled directly from FMP & Yahoo Finance — our AI writes the analysis, it never edits the figures.
Data provided as-is for educational purposes. Not financial advice. Methodology

Data provided for informational purposes only.

Analysis Notes
  • Information regarding CEO background, track record, and specific details on OTC disclosure status is limited to the provided source data.
  • Growth opportunities and risks are formulated based on general industry trends applicable to a company of this nature, in addition to specific company data.
Data Sources

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