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

Europe • Euronext Paris • EPA:CIV • FR0000045213

111.5 EUR
+2 (+1.83%)
Last: Feb 6, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership
Fundamental Rating

2

Overall CIV gets a fundamental rating of 2 out of 10. We evaluated CIV against 114 industry peers in the Banks industry. CIV may be in some trouble as it scores bad on both profitability and health. CIV does not seem to be growing, but still is valued expensively.


Dividend Valuation Growth Profitability Health

1

1. Profitability

1.1 Basic Checks

  • In the past year CIV was profitable.
  • In the past year CIV has reported a negative cash flow from operations.
  • CIV had positive earnings in each of the past 5 years.
  • In multiple years CIV reported negative operating cash flow during the last 5 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 500M -500M

1.2 Ratios

  • The Return On Assets of CIV (0.29%) is worse than 87.39% of its industry peers.
  • CIV has a worse Return On Equity (2.38%) than 89.19% of its industry peers.
Industry RankSector Rank
ROA 0.29%
ROE 2.38%
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 1 2 3 4

1.3 Margins

  • With a Profit Margin value of 18.93%, CIV is not doing good in the industry: 68.47% of the companies in the same industry are doing better.
  • CIV's Profit Margin has declined in the last couple of years.
  • CIV does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 18.93%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y0.74%
PM growth 5Y-1.81%
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20

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ROAROEROICOperating and Profit MarginShow most profitable peers

2

2. Health

2.1 Basic Checks

  • CIV does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • Compared to 1 year ago, CIV has about the same amount of shares outstanding.
  • CIV has less shares outstanding than it did 5 years ago.
  • Compared to 1 year ago, CIV has a worse debt to assets ratio.
CIV.PA Yearly Shares OutstandingCIV.PA Yearly Shares OutstandingYearly Shares Outstanding 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B 15B 20B

2.2 Solvency

  • CIV has a Debt/Equity ratio of 0.02. This is a healthy value indicating a solid balance between debt and equity.
  • The Debt to Equity ratio of CIV (0.02) is better than 96.40% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.02
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC6.98%
CIV.PA Yearly LT Debt VS Equity VS FCFCIV.PA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M 1B

More info and screens

WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

1

3. Growth

3.1 Past

  • The earnings per share for CIV have decreased strongly by -18.85% in the last year.
  • CIV shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 0.48% yearly.
  • Looking at the last year, CIV shows a decrease in Revenue. The Revenue has decreased by -8.36% in the last year.
  • The Revenue has been growing slightly by 2.33% on average over the past years.
EPS 1Y (TTM)-18.85%
EPS 3Y1.45%
EPS 5Y0.48%
EPS Q2Q%-6.86%
Revenue 1Y (TTM)-8.36%
Revenue growth 3Y0.77%
Revenue growth 5Y2.33%
Sales Q2Q%-8.81%

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M

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Find the best growth stocksShow best growing peers

2

4. Valuation

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 11.12, the valuation of CIV can be described as reasonable.
  • CIV's Price/Earnings ratio is a bit cheaper when compared to the industry. CIV is cheaper than 61.26% of the companies in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 27.93, CIV is valued rather cheaply.
Industry RankSector Rank
PE 11.12
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

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
CIV.PA Per share dataCIV.PA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 200 400 600 800 1K

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)23.3
EPS Next 2YN/A
EPS Next 3YN/A

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

3

5. Dividend

5.1 Amount

  • CIV has a Yearly Dividend Yield of 2.81%.
  • CIV's Dividend Yield is slightly below the industry average, which is at 4.12.
  • CIV's Dividend Yield is rather good when compared to the S&P500 average which is at 1.81.
Industry RankSector Rank
Dividend Yield 2.81%

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 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 500M -500M

More info and screens

Find the best dividend stocksShow peers with best dividend

CA ILLE ET VILAINE-CCI

EPA:CIV (2/6/2026, 7:00:00 PM)

111.5

+2 (+1.83%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-30
Earnings (Next)N/A
Inst Owners2.24%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap248.65M
Revenue(TTM)320.99M
Net Income(TTM)60.76M
AnalystsN/A
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 2.81%
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 11.12
Fwd PE N/A
P/S 0.77
P/FCF N/A
P/OCF N/A
P/B 0.1
P/tB 0.1
EV/EBITDA N/A
EPS(TTM)10.03
EY9%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)-18.12
FCFYN/A
OCF(TTM)-13.02
OCFYN/A
SpS143.94
BVpS1142.67
TBVpS1142.67
PEG (NY)N/A
PEG (5Y)23.3
Graham Number507.81
Profitability
Industry RankSector Rank
ROA 0.29%
ROE 2.38%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 18.93%
GM N/A
FCFM 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
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y0.74%
PM growth 5Y-1.81%
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0.02
Health
Industry RankSector Rank
Debt/Equity 0.02
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 113.13%
Cap/Sales 3.54%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score4
WACC6.98%
ROIC/WACCN/A
Cap/Depr(3y)79.63%
Cap/Depr(5y)80.98%
Cap/Sales(3y)2.22%
Cap/Sales(5y)2.5%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-18.85%
EPS 3Y1.45%
EPS 5Y0.48%
EPS Q2Q%-6.86%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-8.36%
Revenue growth 3Y0.77%
Revenue growth 5Y2.33%
Sales Q2Q%-8.81%
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 1Y96.05%
FCF growth 3Y-79.77%
FCF growth 5Y-50.64%
OCF growth 1Y97.14%
OCF growth 3Y-73.71%
OCF growth 5Y-42.73%

CA ILLE ET VILAINE-CCI / CIV.PA FAQ

Can you provide the ChartMill fundamental rating for CA ILLE ET VILAINE-CCI?

ChartMill assigns a fundamental rating of 2 / 10 to CIV.PA.


What is the valuation status of CA ILLE ET VILAINE-CCI (CIV.PA) stock?

ChartMill assigns a valuation rating of 2 / 10 to CA ILLE ET VILAINE-CCI (CIV.PA). This can be considered as Overvalued.


What is the profitability of CIV stock?

CA ILLE ET VILAINE-CCI (CIV.PA) has a profitability rating of 1 / 10.


How sustainable is the dividend of CA ILLE ET VILAINE-CCI (CIV.PA) stock?

The dividend rating of CA ILLE ET VILAINE-CCI (CIV.PA) is 3 / 10 and the dividend payout ratio is 0%.