CIV Fundamental Analysis - CA ILLE ET VILAINE-CCI

Fundamental Rating

CIV gets a fundamental rating of 1 out of 10. The analysis compared the fundamentals against 114 industry peers in the Banks industry. CIV may be in some trouble as it scores bad on both profitability and health. CIV has a expensive valuation and it also scores bad on growth.

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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.

Each year in the past 5 years CIV has been profitable.

In multiple years CIV reported negative operating cash flow during the last 5 years.

1.2 Ratios

CIV has a Return On Assets of 0.29%. This is amonst the worse of the industry: CIV underperforms 85.09% of its industry peers.

The Return On Equity of CIV (2.39%) is worse than 87.72% of its industry peers.

		Industry Rank	Sector Rank
ROA	0.29%
ROE	2.39%
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

1.3 Margins

With a Profit Margin value of 18.94%, CIV is not doing good in the industry: 66.67% 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 Rank	Sector Rank
OM	N/A
PM (TTM)	18.94%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y0.56%

PM growth 5Y-4.09%

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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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.

Compared to 1 year ago, CIV has a worse debt to assets ratio.

2.2 Solvency

A Debt/Equity ratio of 0.02 indicates that CIV is not too dependend on debt financing.

CIV's Debt to Equity ratio of 0.02 is amongst the best of the industry. CIV outperforms 97.37% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.02
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC6.81%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

CIV shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -19.37%.

CIV shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 0.48% yearly.

The Revenue has decreased by -8.36% in the past year.

CIV shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 4.62% yearly.

EPS 1Y (TTM)-19.37%

EPS 3Y1.22%

EPS 5Y0.48%

EPS Q2Q%-7.68%

Revenue 1Y (TTM)-8.36%

Revenue growth 3Y0.77%

Revenue growth 5Y4.62%

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.

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Show best growing peers

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 10.12 indicates a reasonable valuation of CIV.

Based on the Price/Earnings ratio, CIV is valued a bit cheaper than the industry average as 76.32% of the companies are valued more expensively.

Compared to an average S&P500 Price/Earnings ratio of 26.57, CIV is valued rather cheaply.

		Industry Rank	Sector Rank
PE	10.12
Fwd PE	N/A

4.2 Price Multiples

		Industry Rank	Sector Rank
P/FCF	N/A
EV/EBITDA	N/A

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)21.07

EPS Next 2YN/A

EPS Next 3YN/A

More info and screens

Show best valued peers

5. Dividend

5.1 Amount

CIV has a Yearly Dividend Yield of 3.03%. Purely for dividend investing, there may be better candidates out there.

Compared to an average industry Dividend Yield of 4.17, CIV is paying slightly less dividend.

Compared to an average S&P500 Dividend Yield of 2.00, CIV pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	3.03%

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

5.3 Sustainability

DP0%

EPS Next 2YN/A

EPS Next 3YN/A

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CA ILLE ET VILAINE-CCI

EPA:CIV (12/24/2025, 7:00:00 PM)

101.5

+2.24 (+2.26%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)11-10 2025-11-10

Earnings (Next)N/A N/A

Inst Owners2.45%

Inst Owner ChangeN/A

Ins OwnersN/A

Ins Owner ChangeN/A

Market Cap226.34M

Revenue(TTM)320.99M

Net Income(TTM)60.79M

AnalystsN/A

Price TargetN/A

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	3.03%

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 Rank	Sector Rank
PE	10.12
Fwd PE	N/A
P/S	0.71
P/FCF	N/A
P/OCF	N/A
P/B	0.09
P/tB	0.09
EV/EBITDA	N/A

EPS(TTM)10.03

EY9.88%

EPS(NY)N/A

Fwd EYN/A

FCF(TTM)-18.11

FCFYN/A

OCF(TTM)-13

OCFYN/A

SpS143.94

BVpS1142.6

TBVpS1142.6

PEG (NY)N/A

PEG (5Y)21.07

Graham Number507.8

Profitability

		Industry Rank	Sector Rank
ROA	0.29%
ROE	2.39%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	18.94%
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 3Y0.56%

PM growth 5Y-4.09%

GM growth 3YN/A

GM growth 5YN/A

F-Score4

Asset Turnover0.02

Health

		Industry Rank	Sector Rank
Debt/Equity	0.02
Debt/FCF	N/A
Debt/EBITDA	N/A
Cap/Depr	113.23%
Cap/Sales	3.55%
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

WACC6.81%

ROIC/WACCN/A

Cap/Depr(3y)79.62%

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)-19.37%

EPS 3Y1.22%

EPS 5Y0.48%

EPS Q2Q%-7.68%

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 5Y4.62%

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-79.5%

FCF growth 5Y-50.24%

OCF growth 1Y97.14%

OCF growth 3Y-73.55%

OCF growth 5Y-42.51%

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 1 / 10 to CIV.PA.

Can you provide the valuation status for CA ILLE ET VILAINE-CCI?

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.

What is the valuation of CA ILLE ET VILAINE-CCI based on its PE and PB ratios?

The Price/Earnings (PE) ratio for CA ILLE ET VILAINE-CCI (CIV.PA) is 10.12 and the Price/Book (PB) ratio is 0.09.

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

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens

CA ILLE ET VILAINE-CCI / CIV.PA FAQ

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

Can you provide the valuation status for CA ILLE ET VILAINE-CCI?

What is the profitability of CIV stock?

What is the valuation of CA ILLE ET VILAINE-CCI based on its PE and PB ratios?