L'Oreal OR

equity

Price History

1999-12 · DCA start€66.3

Time underwater

How far below its previous all-time high the price sat, each month. 0% means a new high.

1999-122026-08 · -15.4%

Worst drawdown: −48%, peaking Nov 2007 and bottoming Jan 2009 — 58 months below the prior high before recovering.

DCA Backtest

Start month

Monthly amount (EUR)

Invested: €32,100
Value today: €110,538
Return: +244.4%
Months invested: 321

Scenarios

Inflation — the same contributions merely keeping pace with CPI would be €43,119 today, so the real (inflation-adjusted) return is +156.4%.

Lump sum instead — €32,100 all at once in Dec 1999: €185,192 (+476.9%) — lump sum came out ahead.

Worst timing — same monthly amount started at the all-time high (Apr 2024): €2,956 on €2,900 invested (+1.9%).

⚠ Price returns only — dividends are not included. This understates the true return of dividend-paying shares, and any comparison against crypto (which pays no dividends) is biased against equities by roughly the dividend yield, compounded.

If this saved you a spreadsheet — buy me a coffee.

Every start month at once

Each cell is the return-to-date of £/$/€100-a-month DCA started that month. Click a cell to load it in the backtest above. The ringed cell is the all-time-high start — the worst timing scenario.

	J	F	M	A	M	J	J	A	S	O	N	D
1999
2000
2001
2002
2003
2004
2005
2006
2007
2008
2009
2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
2026

Legend:−50%−20%0%+50%+200%+1000%worst timing (ATH)Selected 1999-12: +244.4%

About L'Oreal

L'Oréal S.A. is a French multinational personal care corporation registered in Paris and headquartered in Clichy, Hauts-de-Seine. As of 2024, it is the world's largest cosmetics company. As of the early 2020s, L'Oréal owned 36 brands and 497 patents. (Wikipedia)

It's a listed company categorised under consumer staples.

It rates Low Risk at 1.5/5, meaning the rated factors look benign — steady pricing, deep liquidity, and no obvious structural red flags.

Scoring well: earnings quality at 1.0/5.

Not yet researched: concentration. These are excluded from the score rather than guessed, so the real risk may be higher than what’s shown.

Ratings summarise sourced facts against fixed rules — not investment advice, and no substitute for your own diligence.

Risk Profile

Low Risk(1.5/5)90% rated

How these ratings work

Market / Volatility1.7/5 · weight 20%

Annualised volatility (3yr)2/519.1
Max drawdown from ATH2/547.6
Beta vs S&P 5001/5-0.02

Liquidity1.0/5 · weight 15%

Avg daily $ volume1/5122.2m
Float % of shares outstandingnot yet researched

Leverage / Financial1.5/5 · weight 20%

Debt / equity2/50.34
Interest coverage (EBIT / interest)1/523.7

Earnings Quality1.0/5 · weight 15%

3yr EPS volatility1/56.5

Concentrationunrated · weight 10%

Largest customer, % of revenuenot yet researched
Geographic revenue concentrationnot yet researched

Governance2.0/5 · weight 10%

Board independence %not yet researched
Share structure2/5dual class minority control
Litigation / audit historynot yet researched

Sector / Regulatory2.0/5 · weight 10%

Sector regulatory exposure2/5moderate

Linked Assets

Same sector, or return-correlated — worth knowing what else might move if this one does.