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CA ILLE ET VILAINE-CCI (CIV.PA) Stock Fundamental Analysis

Europe - EPA:CIV - FR0000045213 - Common Stock

113.08 EUR
+3.08 (+2.8%)
Last: 9/30/2025, 2:18:03 PM
Fundamental Rating

3

CIV gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 97 industry peers in the Banks industry. The financial health of CIV is average, but there are quite some concerns on its profitability. CIV has a expensive valuation and it also scores bad on growth.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

CIV had positive earnings in the past year.
CIV had a positive operating cash flow in the past year.
Each year in the past 5 years CIV has been profitable.
The reported operating cash flow has been mixed in the past 5 years: CIV reported negative operating cash flow in multiple years.
CIV.PA Yearly Net Income VS EBIT VS OCF VS FCFCIV.PA Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 500M -500M

1.2 Ratios

CIV has a Return On Assets of 0.31%. This is amonst the worse of the industry: CIV underperforms 81.44% of its industry peers.
CIV's Return On Equity of 2.66% is on the low side compared to the rest of the industry. CIV is outperformed by 85.57% of its industry peers.
Industry RankSector Rank
ROA 0.31%
ROE 2.66%
ROIC N/A
ROA(3y)0.33%
ROA(5y)0.29%
ROE(3y)2.97%
ROE(5y)2.59%
ROIC(3y)N/A
ROIC(5y)N/A
CIV.PA Yearly ROA, ROE, ROICCIV.PA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6

1.3 Margins

With a Profit Margin value of 19.01%, CIV is not doing good in the industry: 60.82% of the companies in the same industry are doing better.
CIV's Profit Margin has declined in the last couple of years.
The Operating Margin and Gross Margin are not available for CIV so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 19.01%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y0.83%
PM growth 5Y-3.93%
GM growth 3YN/A
GM growth 5YN/A
CIV.PA Yearly Profit, Operating, Gross MarginsCIV.PA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20 25

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4

2. Health

2.1 Basic Checks

CIV does not have a ROIC to compare to the WACC, probably because it is not profitable.
CIV has about the same amout of shares outstanding than it did 1 year ago.
The number of shares outstanding for CIV has been increased compared to 5 years ago.
CIV has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
CIV.PA Yearly Shares OutstandingCIV.PA Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2M 4M 6M
CIV.PA Yearly Total Debt VS Total AssetsCIV.PA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B 15B 20B

2.2 Solvency

CIV has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Altman-Z N/A
ROIC/WACCN/A
WACC8.06%
CIV.PA Yearly LT Debt VS Equity VS FCFCIV.PA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 1B 2B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
CIV.PA Yearly Current Assets VS Current LiabilitesCIV.PA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M 1B

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1

3. Growth

3.1 Past

CIV shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 6.09%.
Measured over the past 5 years, CIV shows a small growth in Earnings Per Share. The EPS has been growing by 0.61% on average per year.
Looking at the last year, CIV shows a decrease in Revenue. The Revenue has decreased by -0.09% in the last year.
CIV shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 4.57% yearly.
EPS 1Y (TTM)6.09%
EPS 3Y1.44%
EPS 5Y0.61%
EPS Q2Q%-51.5%
Revenue 1Y (TTM)-0.09%
Revenue growth 3Y0.68%
Revenue growth 5Y4.57%
Sales Q2Q%-7.66%

3.2 Future

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
CIV.PA Yearly Revenue VS EstimatesCIV.PA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M

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3

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 10.61, which indicates a very decent valuation of CIV.
The rest of the industry has a similar Price/Earnings ratio as CIV.
When comparing the Price/Earnings ratio of CIV to the average of the S&P500 Index (27.67), we can say CIV is valued rather cheaply.
Industry RankSector Rank
PE 10.61
Fwd PE N/A
CIV.PA Price Earnings VS Forward Price EarningsCIV.PA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

67.01% of the companies in the same industry are more expensive than CIV, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 35.79
EV/EBITDA N/A
CIV.PA Per share dataCIV.PA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 200 400 600 800 1K

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)17.41
EPS Next 2YN/A
EPS Next 3YN/A

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2

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 3.05%, CIV has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 5.02, CIV is paying slightly less dividend.
Compared to an average S&P500 Dividend Yield of 2.41, CIV pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 3.05%

5.2 History

The dividend of CIV decreases each year by -3.75%.
Dividend Growth(5Y)-3.75%
Div Incr Years3
Div Non Decr Years3
CIV.PA Yearly Dividends per shareCIV.PA Yearly Dividends per shareYearly Dividends per share 2019 2021 2022 2023 2024 2025 1 2 3

5.3 Sustainability

DP0%
EPS Next 2YN/A
EPS Next 3YN/A
CIV.PA Yearly Income VS Free CF VS DividendCIV.PA Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 500M -500M

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CA ILLE ET VILAINE-CCI

EPA:CIV (9/30/2025, 2:18:03 PM)

113.08

+3.08 (+2.8%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-25 2025-07-25
Earnings (Next)11-06 2025-11-06
Inst Owners2.64%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap253.30M
AnalystsN/A
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 3.05%
Yearly DividendN/A
Dividend Growth(5Y)-3.75%
DP0%
Div Incr Years3
Div Non Decr Years3
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 10.61
Fwd PE N/A
P/S 0.75
P/FCF 35.79
P/OCF 16.13
P/B 0.1
P/tB 0.1
EV/EBITDA N/A
EPS(TTM)10.66
EY9.43%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)3.16
FCFY2.79%
OCF(TTM)7.01
OCFY6.2%
SpS151.16
BVpS1082.02
TBVpS1082.02
PEG (NY)N/A
PEG (5Y)17.41
Profitability
Industry RankSector Rank
ROA 0.31%
ROE 2.66%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 19.01%
GM N/A
FCFM 2.09%
ROA(3y)0.33%
ROA(5y)0.29%
ROE(3y)2.97%
ROE(5y)2.59%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y0.83%
PM growth 5Y-3.93%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.02
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Debt/EBITDA N/A
Cap/Depr 87.4%
Cap/Sales 2.55%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 11%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC8.06%
ROIC/WACCN/A
Cap/Depr(3y)79.63%
Cap/Depr(5y)80.93%
Cap/Sales(3y)2.22%
Cap/Sales(5y)2.53%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)6.09%
EPS 3Y1.44%
EPS 5Y0.61%
EPS Q2Q%-51.5%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-0.09%
Revenue growth 3Y0.68%
Revenue growth 5Y4.57%
Sales Q2Q%-7.66%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y101.13%
FCF growth 3Y-79.77%
FCF growth 5Y-50.64%
OCF growth 1Y102.53%
OCF growth 3Y-73.71%
OCF growth 5Y-42.73%