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Union Financière de France Banque

ENXTPA:UFF
Snowflake Description

Flawless balance sheet with solid track record.

The Snowflake is generated from 30 checks in 5 different areas, read more below.
UFF
ENXTPA
€271M
Market Cap
  1. Home
  2. FR
  3. Diversified Financials
Company description

Union Financière de France Banque SA, a wealth management consulting bank, offers products and services to individuals, companies, and professional sportspeople in France. The last earnings update was 249 days ago. More info.


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UFF Share Price and Events
7 Day Returns
6.7%
ENXTPA:UFF
-18.5%
FR Capital Markets
-0.5%
FR Market
1 Year Returns
-14.3%
ENXTPA:UFF
-39.8%
FR Capital Markets
-19.6%
FR Market
UFF Shareholder Return
  7 Day 30 Day 90 Day 1 Year 3 Year 5 Year
Union Financière de France Banque (UFF) 6.7% -11.3% -15.2% -14.3% -36.6% -38.1%
FR Capital Markets -18.5% -22.8% -34.3% -39.8% -42.7% -51.6%
FR Market -0.5% -15.3% -26.1% -19.6% -9.6% -9.4%
1 Year Return vs Industry and Market
  • UFF outperformed the Capital Markets industry which returned -39.8% over the past year.
  • UFF outperformed the Market in France which returned -19.6% over the past year.
Price Volatility
UFF
Industry
5yr Volatility vs Market
Related Companies

UFF Value

 Is Union Financière de France Banque undervalued based on future cash flows and its price relative to the stock market?

Value is all about what a company is worth versus what price it is available for. If you went into a grocery store and all the bananas were on sale at half price, they could be considered undervalued.
INTRINSIC VALUE BASED ON FUTURE CASH FLOWS
Here we compare the current share price of Union Financière de France Banque to its discounted cash flow analysis.value.

The discounted cash flow value is simply looking at what the company is worth today, based on estimates of how much money it is expected to make in the future.
Raw Data

Below are the data sources, inputs and calculation used to determine the intrinsic value for Union Financière de France Banque.

ENXTPA:UFF Discounted Cash Flow Data Sources
Data Point Source Value
Valuation Model Excess Returns Model
Stable EPS Median Return on Equity from the past 5 years.
= Stable Book Value * Return on Equity
= €6.38 * 35.6%
€2.27
Book Value of Equity per Share Median Book Value from the past 5 years. €6.38
Discount Rate (Cost of Equity) See below 5%
Perpetual Growth Rate 10-Year FR Government Bond Rate -0.1%

An important part of a discounted cash flow is the discount rate, below we explain how it has been calculated.

Calculation of Discount Rate/ Cost of Equity for ENXTPA:UFF
Data Point Calculation/ Source Result
Risk-Free Rate 10-Year FR Govt Bond Rate -0.1%
Equity Risk Premium S&P Global 6.1%
Capital Markets Unlevered Beta Simply Wall St/ S&P Global 0.75
Re-levered Beta = Unlevered beta (1 + (1- tax rate) (Debt/Equity))
= 0.749 (1 + (1- 33%) (5.3%))
0.85
Levered Beta Levered Beta limited to 0.8 to 2.0
(practical range for a stable firm)
0.85
Discount Rate/ Cost of Equity = Cost of Equity = Risk Free Rate + (Levered Beta * Equity Risk Premium)
= -0.11% + (0.85 * 6.07%)
5.05%

Discounted Cash Flow Calculation for ENXTPA:UFF using Excess Returns Model Model

The calculations below outline how an intrinsic value for Union Financière de France Banque is arrived at using the Excess Return Model. This approach is used for finance firms where free cash flow is difficult to estimate.

In the Excess Return Model the value of a firm can be written as the sum of capital invested currently in the firm and the present value of excess returns that the firm expects to make in the future.

The model is sensitive to the Return on Equity of the company versus the Cost of Equity, how these are calculated is detailed below the main calculation.

Note the calculations below are per share.

See our documentation to learn about this calculation.

ENXTPA:UFF Value of Excess Returns
Calculation Result
Excess Returns = (Stable Return on equity – Cost of equity) (Book Value of Equity per share)
= (35.6% – 5.05%) * €6.38)
€1.95
Terminal Value of Excess Returns = Excess Returns / (Cost of Equity - Expected Growth Rate)
= €1.95 / (5.05% - -0.11%)
€37.82
Value of Equity = Book Value per share + Terminal Value of Excess Returns
= €6.38 + €37.82
€44.2
ENXTPA:UFF Discount to Share Price
Calculation Result
Value per share (EUR) From above. €44.20
Current discount Discount to share price of €16.80
= -1 x (€16.80 - €44.20) / €44.20
62%

Learn more about our DCF calculations in Simply Wall St’s analysis model .

Current Discount
Amount off the current price Union Financière de France Banque is available for.
Intrinsic value
>50%
Share price is €16.8 vs Future cash flow value of €44.2
Current Discount Checks
For Union Financière de France Banque to be considered undervalued it must be available for at least 20% below the current price. Less than 40% is even better.
  • Union Financière de France Banque's share price is below the future cash flow value, and at a moderate discount (> 20%).
  • Union Financière de France Banque's share price is below the future cash flow value, and at a substantial discount (> 40%).
PRICE RELATIVE TO MARKET
We can also value a company based on what the stock market is willing to pay for it. This is similar to the price of fruit (e.g. Mangoes or Avocados) increasing when they are out of season, or how much your home is worth.

The amount the stock market is willing to pay for Union Financière de France Banque's earnings, growth and assets is considered below, and whether this is a fair price.
Price based on past earnings
Are Union Financière de France Banque's earnings available for a low price, and how does this compare to other companies in the same industry?
Raw Data
ENXTPA:UFF PE (Price to Earnings) Ratio Data Sources
Data Point Source Value
Earnings Per Share * Company Filings (2019-06-30) in EUR €6.31
ENXTPA:UFF Share Price ** ENXTPA (2020-04-07) in EUR €16.8
France Capital Markets Industry PE Ratio Median Figure of 9 Publicly-Listed Capital Markets Companies 19.05x
France Market PE Ratio Median Figure of 410 Publicly-Listed Companies 13.61x

* Trailing twelve months (TTM) annual GAAP earnings per share excluding extraordinary items.

** Primary Listing of Union Financière de France Banque.

ENXTPA:UFF PE (Price to Earnings) Ratio Calculation
Calculation Outcome
PE Ratio

= ENXTPA:UFF Share Price ÷ EPS (both in EUR)

= 16.8 ÷ 6.31

2.66x

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Union Financière de France Banque is good value based on earnings compared to the FR Capital Markets industry average.
  • Union Financière de France Banque is good value based on earnings compared to the France market.
Price based on expected Growth
Does Union Financière de France Banque's expected growth come at a high price?
Raw Data
ENXTPA:UFF PEG (Price to Earnings to Growth) Ratio Data Sources
Data Point Source Value
PE Ratio See PE Ratio Section 2.66x
Net Income Annual Growth Rate See Future Growth Section.
Line of Best Fit* through Consensus Estimate Earnings of 0 Analysts
Not available
Europe Capital Markets Industry PEG Ratio Median Figure of 52 Publicly-Listed Capital Markets Companies 1.03x
France Market PEG Ratio Median Figure of 251 Publicly-Listed Companies 0.99x

*Line of best fit is calculated by linear regression .

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Unable to calculate PEG ratio for Union Financière de France Banque, we can't assess if its growth is good value.
Price based on value of assets
What value do investors place on Union Financière de France Banque's assets?
Raw Data
ENXTPA:UFF PB (Price to Book) Ratio Data Sources
Data Point Source Value
Book Value per Share Company Filings (2019-06-30) in EUR €10.41
ENXTPA:UFF Share Price * ENXTPA (2020-04-07) in EUR €16.8
France Capital Markets Industry PB Ratio Median Figure of 11 Publicly-Listed Capital Markets Companies 1.51x
France Market PB Ratio Median Figure of 590 Publicly-Listed Companies 1.15x
ENXTPA:UFF PB (Price to Book) Ratio Calculation
Calculation Outcome
PB Ratio

= ENXTPA:UFF Share Price ÷ Book Value per Share (both in EUR)

= 16.8 ÷ 10.41

1.61x

* Primary Listing of Union Financière de France Banque.

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Union Financière de France Banque is overvalued based on assets compared to the FR Capital Markets industry average.
X
Value checks
We assess Union Financière de France Banque's value by looking at:
  1. Is the discounted cash flow value less than 20%, or 40% of the share price? (2 checks) ( Click here or on bar chart for details of DCF calculation. )
  2. Is the PE ratio less than the market average, and/ or less than the Capital Markets industry average (and greater than 0)? (2 checks)
  3. Is the PEG ratio within a reasonable range (0 to 1)? (1 check)
  4. Is the PB ratio less than the Capital Markets industry average (and greater than 0)? (1 check)
  5. Union Financière de France Banque has a total score of 4/6, see the detailed checks below.

    Note: We use GAAP Earnings per Share in all our calculations including PE and PEG Ratio.

    Full details on the Value part of the Simply Wall St company analysis model.

UFF Future Performance

 How is Union Financière de France Banque expected to perform in the next 1 to 3 years based on estimates from 0 analysts?

In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as Union Financière de France Banque has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.

This is quite a rare situation as 97% of companies covered by Simply Wall St do have past financial data. You can see them here.

Show me the analysis anyway

The future performance of a company is measured in the same way as past performance, by looking at estimated growth and how much profit it is expected to make.

Future estimates come from professional analysts. Just like forecasting the weather, they don’t always get it right!
Annual Growth Rate
15.8%
Expected Capital Markets industry annual growth in earnings.
Earnings growth vs Low Risk Savings
Is Union Financière de France Banque expected to grow at an attractive rate?
  • Unable to compare Union Financière de France Banque's earnings growth to the low risk savings rate as no estimate data is available.
Growth vs Market Checks
  • Unable to compare Union Financière de France Banque's earnings growth to the France market average as no estimate data is available.
  • Unable to compare Union Financière de France Banque's revenue growth to the France market average as no estimate data is available.
Annual Growth Rates Comparison
Raw Data
ENXTPA:UFF Future Growth Rates Data Sources
Data Point Source Value (per year)
Europe Capital Markets Industry Earnings Growth Rate Market Cap Weighted Average 15.8%
Europe Capital Markets Industry Revenue Growth Rate Market Cap Weighted Average 1.8%
France Market Earnings Growth Rate Market Cap Weighted Average 12.2%
France Market Revenue Growth Rate Market Cap Weighted Average 3.5%

*Line of best fit is calculated by linear regression .

Industry and Market average data is calculated daily.

Learn more about our growth rate calculations in Simply Wall St’s analysis model.

Analysts growth expectations
Raw Data
ENXTPA:UFF Analysts Growth Expectations Data Sources
Data Point Source Value
Past Financials Company Filings (9 months ago) See Below
Future Estimates Average of up to 0 Analyst Estimates (S&P Global) See Below
All numbers in EUR Millions and using Trailing twelve months (TTM) annual period rather than quarterly.
ENXTPA:UFF Future Estimates Data
Date (Data in EUR Millions) Revenue Cash Flow Net Income * Avg. No. Analysts
ENXTPA:UFF Past Financials Data
Date (Data in EUR Millions) Revenue Cash Flow Net Income *
2019-06-30 256 10 102
2019-03-31 261 2 103
2018-12-31 266 -5 104
2018-09-30 275 8 70
2018-06-30 283 21 36
2018-03-31 285 37 36
2018-01-01 287 53 37
2017-10-01 279 59 34
2017-06-30 271 66 31
2017-03-31 263 51 30
2016-12-31 255 36 29
2016-09-30 256 27 29

*GAAP earnings excluding extraordinary items.

Super high growth metrics
High Growth Checks
  • Unable to determine if Union Financière de France Banque is high growth as no earnings estimate data is available.
  • Unable to determine if Union Financière de France Banque is high growth as no revenue estimate data is available.
Past and Future Earnings per Share
The accuracy of the analysts who estimate the future performance data can be gauged below. We look back 3 years and see if they were any good at predicting what actually occurred. We also show the highest and lowest estimates looking forward to see if there is a wide range.
Raw Data
ENXTPA:UFF Past and Future Earnings per Share
Data Point Source Value
Past Financials Company Filings (9 months ago) See Below
Future Estimates Average of up to 0 Analyst Estimates (S&P Global) See Below

All data from Union Financière de France Banque Company Filings, last reported 9 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

ENXTPA:UFF Future Estimates Data
Date (Data in EUR Millions) EPS * EPS High Estimate EPS Low Estimate Avg. No. Analysts
ENXTPA:UFF Past Financials Data
Date (Data in EUR Millions) EPS *
2019-06-30 6.31
2019-03-31 6.39
2018-12-31 6.47
2018-09-30 4.37
2018-06-30 2.26
2018-03-31 2.27
2018-01-01 2.27
2017-10-01 2.12
2017-06-30 1.96
2017-03-31 1.90
2016-12-31 1.84
2016-09-30 1.81

*GAAP earnings excluding extraordinary items.

Performance in 3 years
In the same way as past performance we look at the future estimated return (profit) compared to the available funds. We do this looking forward 3 years.
  • Unable to establish if Union Financière de France Banque will efficiently use shareholders’ funds in the future without estimates of Return on Equity.

Next steps:

  1. Examine whether Union Financière de France Banque is trading at Union Financière de France Banque'san attractive price based on how much it is expected to earn in the future, and relative to its industry peers and the wider market.
  2. Union Financière de France Banque's future outlook can be gauged by looking at industry trends and market size, and determining how well-positioned the company is compared to its competitors. Take a look at other high-growth Diversified Financials companies here
  3. Union Financière de France Banque's competitive advantages and company strategy can generally be found in its financial reports archived here.
  4. Use fundamentals to screen for another stock to analyse from our database of over 75,000 companies worldwide
X
Future performance checks
We assess Union Financière de France Banque's future performance by looking at:
  1. Is the annual earnings growth rate expected to beat the low risk savings rate, plus a premium to keep pace with inflation?
  2. Is the annual earnings growth rate expected to beat the average growth rate in earnings of the Europe market? (1 check)
  3. Is the annual revenue growth rate expected to beat the average growth rate in revenue of the Europe market? (1 check)
  4. Is the annual earnings growth rate expected to be above 20%? (1 check)
  5. Is the annual revenue growth rate expected to be above 20%? (1 check)
  6. Is the Return on Equity in 3 years expected to be over 20%? (1 check)
Some of the above checks will fail if the company is expected to be loss making in the relevant year.
Union Financière de France Banque has a total score of 0/6, see the detailed checks below.

Note 1: We use GAAP Net Income Excluding Exceptional Items for our Earnings in all our calculations.

Full details on the Future part of the Simply Wall St company analysis model.

UFF Past Performance

  How has Union Financière de France Banque performed over the past 5 years?

  • Union Financière de France Banque's last earnings update was 249 days ago.
The past performance of a company can be measured by how much growth it has experienced and how much profit it makes relative to the funds and assets it has available.
Past earnings growth
Below we compare Union Financière de France Banque's growth in the last year to its industry (Capital Markets).
Past Earnings growth analysis
We also check if the company has grown in the past 5 years, and whether it has maintained that growth in the year.
  • Union Financière de France Banque has delivered over 20% year on year earnings growth in the past 5 years.
  • Union Financière de France Banque's 1-year earnings growth exceeds its 5-year average (179.5% vs 31.1%)
  • Union Financière de France Banque's earnings growth has exceeded the FR Capital Markets industry average in the past year (179.5% vs -15.3%).
Earnings and Revenue History
Union Financière de France Banque's revenue and profit over the past 5 years is shown below, any years where they have experienced a loss will show up in red.
Raw Data

All data from Union Financière de France Banque Company Filings, last reported 9 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

ENXTPA:UFF Past Revenue, Cash Flow and Net Income Data
Date (Data in EUR Millions) Revenue Net Income * G+A Expenses R&D Expenses
2019-06-30 255.89 101.71 168.79
2019-03-31 260.83 102.92 173.49
2018-12-31 265.77 104.13 178.20
2018-09-30 274.62 70.26 180.60
2018-06-30 283.47 36.39 183.00
2018-03-31 285.08 36.45 183.60
2018-01-01 286.69 36.52 184.20
2017-10-01 278.95 34.00 180.56
2017-06-30 271.21 31.47 176.93
2017-03-31 263.03 30.46 172.31
2016-12-31 254.86 29.44 167.70
2016-09-30 255.99 28.89 167.48
2016-06-30 257.13 28.34 167.26
2016-03-31 259.53 30.45 165.76
2015-12-31 261.94 32.57 164.26
2015-09-30 246.06 29.46 162.91
2015-06-30 230.17 26.36 161.56
2015-03-31 215.37 25.72 160.19
2014-12-31 200.57 25.08 158.82
2014-09-30 188.25 25.00 148.75
2014-06-30 175.93 24.91 138.68
2014-03-31 165.40 21.64 131.56
2013-12-31 154.88 18.37 124.44
2013-09-30 151.17 17.24 122.47
2013-06-30 147.46 16.10 120.49

*GAAP earnings excluding extraordinary items.

Performance last year
We want to ensure a company is making the most of what it has available. This is done by comparing the return (profit) to a company's available funds, assets and capital.
  • Union Financière de France Banque made outstanding use of shareholders’ funds last year (Return on Equity greater than 40%).
  • Union Financière de France Banque used its assets more efficiently than the FR Capital Markets industry average last year based on Return on Assets.
  • Union Financière de France Banque's use of capital deteriorated last year versus 3 years ago (Return on Capital Employed).
X
Past performance checks
We assess Union Financière de France Banque's performance over the past 5 years by checking for:
  1. Has earnings increased in past 5 years? (1 check)
  2. Has the earnings growth in the last year exceeded that of the Capital Markets industry? (1 check)
  3. Is the recent earnings growth over the last year higher than the average annual growth over the past 5 years? (1 check)
  4. Is the Return on Equity (ROE) higher than 20%? (1 check)
  5. Is the Return on Assets (ROA) above industry average? (1 check)
  6. Has the Return on Capital Employed (ROCE) increased from 3 years ago? (1 check)
The above checks will fail if the company has reported a loss in the most recent earnings report. Some checks require at least 3 or 5 years worth of data.
Union Financière de France Banque has a total score of 5/6, see the detailed checks below.

Note: We use GAAP Net Income excluding extraordinary items in all our calculations.

Full details on the Past part of the Simply Wall St company analysis model.

UFF Health

 How is Union Financière de France Banque's financial health and their level of debt?

A company's financial position is much like your own financial position, it includes everything you own (assets) and owe (liabilities).

The boxes below represent the relative size of what makes up Union Financière de France Banque's finances.

The net worth of a company is the difference between its assets and liabilities.
Net Worth
  • Union Financière de France Banque is able to meet its short term (1 year) commitments with its holdings of cash and other short term assets.
  • Union Financière de France Banque's cash and other short term assets cover its long term commitments.
Balance sheet
This treemap shows a more detailed breakdown of Union Financière de France Banque's finances. If any of them are yellow this indicates they may be out of proportion and red means they relate to one of the checks below.
Assets
Liabilities and shares
The 'shares' portion represents any funds contributed by the owners (shareholders) and any profits.
  • Low level of unsold assets.
  • Union Financière de France Banque has no debt, it does not need to be covered by short term assets.
Historical Debt
Nearly all companies have debt. Debt in itself isn’t bad, however if the debt is too high, or the company can’t afford to pay the interest on its debts this may have impacts in the future.

The graphic below shows equity (available funds) and debt, we ideally want to see the red area (debt) decreasing.

If there is any debt we look at the companies capability to repay it, and whether the level has increased over the past 5 years.
Raw Data

All data from Union Financière de France Banque Company Filings, last reported 9 months ago.

ENXTPA:UFF Past Debt and Equity Data
Date (Data in EUR Millions) Total Equity Total Debt Cash & Short Term Investments
2019-06-30 168.09 0.00 73.71
2019-03-31 168.09 0.00 73.71
2018-12-31 180.13 0.00 108.12
2018-09-30 180.13 0.00 108.12
2018-06-30 99.41 0.00 107.32
2018-03-31 99.41 0.00 107.32
2018-01-01 106.81 0.00 42.15
2017-10-01 106.81 0.00 42.15
2017-06-30 95.60 0.00 101.10
2017-03-31 95.60 0.00 101.10
2016-12-31 102.17 0.00 78.41
2016-09-30 102.17 0.00 78.41
2016-06-30 94.15 0.00 52.65
2016-03-31 94.15 0.00 52.65
2015-12-31 102.19 0.00 74.17
2015-09-30 102.19 0.00 74.17
2015-06-30 99.26 0.00 66.60
2015-03-31 99.26 0.00 66.60
2014-12-31 97.11 0.00 85.55
2014-09-30 97.11 0.00 85.55
2014-06-30 98.64 0.00 65.87
2014-03-31 98.64 0.00 65.87
2013-12-31 96.95 0.00 78.34
2013-09-30 96.95 0.00 78.34
2013-06-30 91.55 0.00 93.61
  • Union Financière de France Banque has no debt.
  • Union Financière de France Banque has not taken on any debt in the past 5 years.
  • Union Financière de France Banque has no debt, it does not need to be covered by operating cash flow.
  • Union Financière de France Banque has no debt, therefore coverage of interest payments is not a concern.
X
Financial health checks
We assess Union Financière de France Banque's financial health by checking for:
  1. Are short term assets greater than short term liabilities? (1 check)
  2. Are short term assets greater than long term liabilities? (1 check)
  3. Has the debt to equity ratio increased in the past 5 years? (1 check)
  4. Is the debt to equity ratio over 40%? (1 check)
  5. Is the debt covered by operating cash flow? (1 check)
  6. Are earnings greater than 5x the interest on debt (if company pays interest at all)? (1 check)
  7. Union Financière de France Banque has a total score of 6/6, see the detailed checks below.
For companies that are loss making and have been so on average in the past we replace the last 2 checks with:
  1. Does cash and short term investments cover stable operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)
  2. Does cash and short term investments cover growing operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)


Full details on the Health part of the Simply Wall St company analysis model.

UFF Dividends

 What is Union Financière de France Banque's current dividend yield, its reliability and sustainability?

Dividends are regular cash payments to you from the company, similar to a bank paying you interest on a savings account.
Annual Dividend Income
Dividend payments
11.61%
Current annual income from Union Financière de France Banque dividends.
If you bought €2,000 of Union Financière de France Banque shares you are expected to receive €232 in your first year as a dividend.
Dividend Amount
Here we look how much dividend is being paid, if any. Is it above what you can get in a savings account? It is up there with the best dividend paying companies?
  • Union Financière de France Banque's pays a higher dividend yield than the bottom 25% of dividend payers in France (2%).
  • Union Financière de France Banque's dividend is above the markets top 25% of dividend payers in France (6.15%).
Upcoming dividend payment

Purchase Union Financière de France Banque before the 'Ex-dividend' to receive their next dividend payment.

Dividends are usually paid every 3 or 6 months, you can time your share purchase to take advantage of upcoming dividend payments.
Dividend payment calendar
Annualized Historical and Future Dividends
It is important to see if the dividend for a company is stable, and not wildly increasing/decreasing each year. This graph shows you the historical rate to count toward your assessment of the stock.

We also check to see if the dividend has increased in the past 10 years.
Raw Data
ENXTPA:UFF Annualized Past and Future Dividends
Data Point Source Value
Past Annualized Dividend Yield S&P Global Market Data See Below
Past Dividends per Share Company Filings/ Annualized Dividend Payments See Below
Future Dividends per Share Estimates Average of up to 0 Analyst Estimates (S&P Global) See Below
France Capital Markets Industry Average Dividend Yield Market Cap Weighted Average of 8 Stocks 9.3%
France Market Average Dividend Yield Market Cap Weighted Average of 297 Stocks 3.9%
France Minimum Threshold Dividend Yield 10th Percentile 1.2%
France Bottom 25% Dividend Yield 25th Percentile 2%
France Top 25% Dividend Yield 75th Percentile 6.1%

Industry and Market average data is calculated daily.

Note all dividend per share amounts are annualized and not quarterly or other period.

ENXTPA:UFF Future Dividends Estimate Data
Date (Data in €) Dividend per Share (annual) Avg. No. Analysts
ENXTPA:UFF Past Annualized Dividends Data
Date (Data in €) Dividend per share (annual) Avg. Yield (%)
2019-04-26 1.950 10.223
2018-04-27 1.950 7.830
2017-04-27 1.800 5.893
2016-07-28 1.700 7.075
2016-04-27 2.200 8.968
2015-07-27 1.700 6.861
2015-04-28 1.600 6.025
2014-04-28 1.150 5.242
2013-04-25 1.000 5.705
2013-02-18 1.000 5.827
2012-04-27 2.000 11.391
2011-02-10 2.600 10.806
2010-02-10 1.300 4.902
2009-12-31 1.300 4.938
2009-07-28 0.400 1.574
2009-04-16 2.000 7.787

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Dividends per share have been volatile in the past 10 years (annual drop of over 20%).
  • Dividends per share have fallen over the past 10 years.
Current Payout to shareholders
What portion of Union Financière de France Banque's earnings are paid to the shareholders as a dividend.
  • Dividends paid are well covered by earnings (3.2x coverage).
Future Payout to shareholders
  • Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.
X
Income/ dividend checks
We assess Union Financière de France Banque's dividend by checking for:
  1. Firstly is the company paying a notable dividend (greater than 1.2%) - if not then the rest of the checks are ignored.
  2. Is current dividend yield above the bottom 25% of dividend payers? (1 check)
  3. Is current dividend yield above the top 25% of dividend payers? (1 check)
  4. Have they paid a dividend for 10 years, and during this period has the dividend been volatile (drop of more than 25%)? (1 check)
  5. If they have paid a dividend for 10 years has it increased in this time? (1 check)
  6. How sustainable is the dividend, can Union Financière de France Banque afford to pay it from its earnings today and in 3 years (Payout ratio less than 90%)? (2 checks)
  7. Union Financière de France Banque has a total score of 3/6, see the detailed checks below.


Full details on the Dividends part of the Simply Wall St company analysis model.

UFF Management

 What is the CEO of Union Financière de France Banque's salary, the management and board of directors tenure and is there insider trading?

Management is one of the most important areas of a company. We look at unreasonable CEO compensation, how long the team and board of directors have been around for and insider trading.
CEO
Julien Brami
COMPENSATION €569,357
AGE 45
TENURE AS CEO 2.1 years
CEO Bio

Mr. Julien Brami is Chief Executive Officer of Union Financière de France Banque SA and serves as its Director since 2018. He serves as Head of the Financial Services Division, Investments Department and Finance & Business Development Department of Caisse des Dépôts. Mr. Brami is a Member of the Board of Directors of CDC Entreprises. He has been a Director of Obligatoires de Dommages (FGAO) since October 2009. He serves as a Member of the Board of Directors of CDC Capital Investissement, Fonds de Garantie des Assurances, Global Seguros and Global Vida. He served as a Director of Dexia Crédit Local de France S.A. from November 27, 2009 to September 24, 2012.

CEO Compensation
  • Insufficient data for Julien to compare compensation growth.
  • Julien's remuneration is higher than average for companies of similar size in France.
Management Team Tenure

Average tenure and age of the Union Financière de France Banque management team in years:

1.7
Average Tenure
54
Average Age
  • The average tenure for the Union Financière de France Banque management team is less than 2 years, this suggests a new team.
Management Team

Julien Brami

TITLE
CEO & Director
COMPENSATION
€569K
AGE
45
TENURE
2.1 yrs

Patrick Butteau

TITLE
Chief Operating Officer
COMPENSATION
€291K
TENURE
1.5 yrs

Hervé Pommery

TITLE
Head of Accounting & Employee Shareholders Representative Director
AGE
54

Gaël Gueho

TITLE
Chief Financial Officer
TENURE
2.3 yrs

Stéphane Gault

TITLE
Deputy Chief Executive Officer of Operations

Anne Tran

TITLE
Director of Legal
TENURE
2.3 yrs

Frédéric Beugin

TITLE
Director of Risks
AGE
57
TENURE
1.3 yrs

Françoise Paumelle

TITLE
Director of Communication
TENURE
1.3 yrs

José Fernandez

TITLE
Sales Director

Laëtitia Manichino-Lamboley

TITLE
Director of Human Resources
TENURE
1.7 yrs
Board of Directors Tenure

Average tenure and age of the Union Financière de France Banque board of directors in years:

2.8
Average Tenure
52.5
Average Age
  • The average tenure for the Union Financière de France Banque board of directors is less than 3 years, this suggests a new board.
Board of Directors

Patrick Dixneuf

TITLE
Chairman of the Board
COMPENSATION
€1M
AGE
55
TENURE
3.4 yrs

Julien Brami

TITLE
CEO & Director
COMPENSATION
€569K
AGE
45
TENURE
2.3 yrs

Hervé Pommery

TITLE
Head of Accounting & Employee Shareholders Representative Director
AGE
54
TENURE
9.3 yrs

Jean-François Debrois

TITLE
Independent Director
COMPENSATION
€52K
AGE
75
TENURE
11.3 yrs

Jean-Bernard Mateu

TITLE
Independent Director
COMPENSATION
€35K
AGE
55
TENURE
2.3 yrs

Laurence Mitrovic

TITLE
Permanent Representative Director - Aviva Life
AGE
56
TENURE
2.3 yrs

Marie Grimaldi

TITLE
Independent Director
COMPENSATION
€35K
AGE
50
TENURE
5.3 yrs

Gwendoline Cazenave

TITLE
Independent Director
COMPENSATION
€41K
AGE
50
TENURE
4.3 yrs

Cassandre Segard

TITLE
Director
AGE
41
TENURE
2.3 yrs

Franck Ziolkowski

TITLE
Employees Representative Director
AGE
51
TENURE
1.5 yrs
Who owns this company?
Recent Insider Trading
  • No 3 month open market individual insider trading information.
Recent Insider Transactions
Announced Type Name Entity Role Start End Shares Max Price (€) Value (€)
X
Management checks
We assess Union Financière de France Banque's management by checking for:
  1. Is the CEO's compensation unreasonable compared to market cap? (1 check)
  2. Has the CEO's compensation increased more than 20% whilst the EPS is down more then 20%? (1 check)
  3. Is the average tenure of the management team less than 2 years? (1 check)
  4. Is the average tenure of the board of directors team less than 3 years? (1 check)
  5. Union Financière de France Banque has a total score of 0/6, this is not included on the snowflake, see the detailed checks below.


Note: We use the top 6 management executives and board members in our calculations.

Note 2: Insider trading include any internal stakeholders and these transactions .

Full details on the Management part of the Simply Wall St company analysis model.

UFF News

Simply Wall St News

How Many Union Financière de France Banque SA (EPA:UFF) Shares Do Institutions Own?

See our latest analysis for Union Financière de France Banque ENXTPA:UFF Ownership Summary, August 16th 2019 What Does The Institutional Ownership Tell Us About Union Financière de France Banque? … Insider Ownership Of Union Financière de France Banque The definition of company insiders can be subjective, and does vary between jurisdictions. … Our data suggests that insiders own under 1% of Union Financière de France Banque SA in their own names.

Simply Wall St -

Those Who Purchased Union Financière de France Banque (EPA:UFF) Shares A Year Ago Have A 33% Loss To Show For It

That downside risk was realized by Union Financière de France Banque SA (EPA:UFF) shareholders over the last year, as the share price declined 33%. … During the unfortunate twelve months during which the Union Financière de France Banque share price fell, it actually saw its earnings per share (EPS) improve by 185%. … We note that for Union Financière de France Banque the TSR over the last year was -26%, which is better than the share price return mentioned above.

Simply Wall St -

Union Financiere de France Banque SA (EPA:UFF): The Best Of Both Worlds

Today I've chosen to put the spotlight on Union Financiere de France Banque SA (EPA:UFF) due to its excellent fundamentals in more than one area. … According to my intrinsic value of the stock, which is driven by analyst consensus forecast of UFF's earnings, investors now have the opportunity to buy into the stock to reap capital gains. … ENXTPA:UFF Intrinsic value, May 22nd 2019 Next Steps: For Union Financiere de France Banque, I've compiled three essential aspects you should further research: Future Outlook: What are well-informed industry analysts predicting for UFF’s future growth?

Simply Wall St -

Do You Like Union Financiere de France Banque SA (EPA:UFF) At This P/E Ratio?

This article is for investors who would like to improve their understanding of price to earnings ratios (P/E ratios). … We'll look at Union Financiere de France Banque SA's (EPA:UFF) P/E ratio and reflect on what it tells us about the company's share price. … Union Financiere de France Banque has a P/E ratio of 3.14, based on the last twelve months.

Simply Wall St -

Could Union Financiere de France Banque SA's (EPA:UFF) Investor Composition Influence The Stock Price?

Every investor in Union Financiere de France Banque SA (EPA:UFF) should be aware of the most powerful shareholder groups. … Large companies usually have institutions as shareholders, and we usually see insiders owning shares in smaller companies. … Union Financiere de France Banque is not a large company by global standards.

Simply Wall St -

What To Know Before Buying Union Financiere de France Banque SA (EPA:UFF) For Its Dividend

Historically, Union Financiere de France Banque SA (EPA:UFF) has paid a dividend to shareholders. … Let's take a look at Union Financiere de France Banque in more detail. … See our latest analysis for Union Financiere de France Banque

Simply Wall St -

Does The Union Financiere de France Banque SA (EPA:UFF) Share Price Tend To Follow The Market?

Beta is a widely used metric to measure a stock's exposure to market risk (volatility). … Before we go on, it's worth noting that Warren Buffett pointed out in his 2014 letter to shareholders that 'volatility is far from synonymous with risk.' Having said that, beta can still be rather useful. … A stock with a beta greater than one is more sensitive to broader market movements than a stock with a beta of less than one.

Simply Wall St -

Is Now An Opportune Moment To Examine Union Financiere de France Banque SA (EPA:UFF)?

Union Financiere de France Banque SA (EPA:UFF), which is in the capital markets business, and is based in France,. … A question to answer is whether Union Financiere de France Banque's current trading price of €21.3 reflective of the actual value of the? … Let’s take a look at Union Financiere de France Banque’s outlook and value based on the most recent financial data to see if there are any catalysts for a price change

Simply Wall St -

Is Union Financiere de France Banque SA (EPA:UFF) Potentially Underrated?

Union Financiere de France Banque SA (EPA:UFF) is a stock with outstanding fundamental characteristics. … When we build an investment case, we need to look at the stock with a holistic perspective. … Below, I've touched on some key aspects you should know on a high level

Simply Wall St -

Is Union Financiere de France Banque SA (EPA:UFF) A Smart Pick For Income Investors?

Historically, Union Financiere de France Banque SA (EPA:UFF) has paid a dividend to shareholders. … Let's dig deeper into whether Union Financiere de France Banque should have a place in your portfolio. … View our latest analysis for Union Financiere de France Banque

Simply Wall St -

UFF Company Info

Description

Union Financière de France Banque SA, a wealth management consulting bank, offers products and services to individuals, companies, and professional sportspeople in France. The company offers investment solutions, which include securities, life insurance, and rental real estate. It operates 25 branches. The company was founded in 1968 and is headquartered in Paris, France. Union Financière de France Banque SA operates as a subsidiary of AVIVA France SA

Details
Name: Union Financière de France Banque SA
UFF
Exchange: ENXTPA
Founded: 1968
€271,218,393
16,143,952
Website: http://www.uff.net
Address: Union Financière de France Banque SA
32 Avenue d’Iéna,
Cedex 16,
Paris,
Ile-de-France, 75783,
France
Listings
Exchange Symbol Ticker Symbol Security Exchange Country Currency Listed on
ENXTPA UFF Ordinary Shares Euronext Paris FR EUR 02. Jan 1992
LSE 0I15 Ordinary Shares London Stock Exchange GB EUR 02. Jan 1992
Number of employees
Current staff
Staff numbers
1,398
Union Financière de France Banque employees.
Industry
Asset Management and Custody Banks
Diversified Financials
Company Analysis and Financial Data Status
Area Date (UTC time)
Company Analysis updated: 2020/04/07 20:48
End of day share price update: 2020/04/07 00:00
Last estimates confirmation: 2019/05/14
Last earnings filing: 2019/08/02
Last earnings reported: 2019/06/30
Last annual earnings reported: 2018/12/31


All dates and times in UTC. All financial data provided by Standard & Poor’s Capital IQ.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.