Societe Generale SA
GLE
ISIN FR0000130809 / Valor 519928
Societe Generale SA
UMushroom community rating:
About company
Société Générale SA is a major Paris‑headquartered universal bank that provides a broad range of financial services to retail customers, corporations and institutional clients worldwide. Its activities span domestic and international retail banking, private banking and consumer finance, corporate and investment banking including advisory, capital markets and structured finance, securities services and asset management, and insurance and specialized financing products. The group operates through multiple regional networks and business divisions across Europe, Africa and other markets, and is publicly listed on Euronext Paris as one of France’s largest banking groups.
Summarized from source with an LLMView SourceSector: FinanceLatest Results (01.02.2026):
Societe Generale SA — results for Q3 2025 and first nine months (9M) 2025: the Group reported strong revenue and profit growth, with Group net income of EUR 4.6bn in 9M 2025 (up +45% vs. 9M 2024) and a ROTE of 10.5%, driven by higher revenues, strict cost control and contained credit costs.
Headline 9M 2025 performance
Group revenues: EUR 20.5bn in 9M 2025 (+6.7% vs. 9M 2024 excl. asset disposals). Group net income: EUR 4.6bn in 9M 2025 (+45% vs. 9M 2024). Cost / income ratio: 63.3% in 9M 2025, below the 2025 target of <65%.
Q3 2025 snapshot
Q3 2025 Group net income: EUR 1.52bn (+11.3% vs. Q3 2024) with ROTE 10.7%. Q3 revenues ~EUR 6.7bn (≈ +3.0% vs. Q3 2024 excl. disposals) and cost / income ratio improved to 61.0%.
Costs and efficiency
Operating expenses down (‑2.2% in 9M 2025 vs. 9M 2024 excluding disposals; total operating expenses -6.4% reported). Transformation/one‑off charges noted but overall sharp improvement in cost / income across businesses.
Credit quality and risk
Contained cost of risk at ~25 bps in 9M 2025 (26 bps in Q3 2025, EUR 369m), gross NPL ratio 2.77% at 30 Sep 2025 and net coverage on NPLs 82% (after guarantees/collateral).
Capital and liquidity
CET1 ratio 13.7% at 30 Sep 2025 (≈340 bps above regulatory requirement). Liquidity Coverage Ratio (LCR) 147% at end‑September and NSFR 117% — all well above regulatory minima.
Commercial & strategic highlights
Retail momentum: BoursoBank reached ~8.3m clients (≈400k net adds in Q3). Private Banking AUM +7% and life insurance outstandings +6% year‑on‑year. Completed EUR 1bn additional share buy‑back (programme closed 14 Oct 2025) and continued disposals (Guinea Conakry, Mauritania) as part of portfolio simplification.
Summarized from source with an LLMView SourceKey figures
Performance
Volatility
59247 M
Market cap (USD)
2,347,266
Daily traded volume (Shares)
27.08 / 26.75
1 day high/low (USD)
52 weeks high/low (USD)
Dividend ex-date
Dividend (USD)
Dividend yield (p.a.)
Est dividend (USD)
Est dividend yield
P/E ratio
Est P/E ratio
EPS (USD)
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Ratings & reviews
Thomas Röthlisberger
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