CA ILLE ET VILAINE-CCI (CIV.PA) Stock Fundamental Analysis
EPA:CIV - FR0000045213 - Common Stock
109.88 EUR
-3.62 (-3.19%)
We assign a fundamental rating of 2 out of 10 to CIV. CIV was compared to 96 industry peers in the Banks industry. While CIV seems to be doing ok healthwise, there are quite some concerns on its profitability. CIV is valued expensive and it does not seem to be growing.
1. Profitability
1.1 Basic Checks
CIV had positive earnings in the past year.
In the past year CIV had a positive 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.
1.2 Ratios
CIV has a worse Return On Assets (0.31%) than 81.25% of its industry peers.
Looking at the Return On Equity, with a value of 2.66%, CIV is doing worse than 85.42% of the companies in the same industry.
| Industry Rank | Sector 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
1.3 Margins
The Profit Margin of CIV (19.01%) is comparable to the rest of the industry.
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) | 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
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.
The number of shares outstanding for CIV has been increased compared to 5 years ago.
There is no outstanding debt for CIV. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
2.2 Solvency
There is no outstanding debt for CIV. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC7.88%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has been growing slightly by 6.09% over the past year.
CIV shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 0.61% yearly.
Looking at the last year, CIV shows a decrease in Revenue. The Revenue has decreased by -0.09% in the last year.
The Revenue has been growing slightly by 4.57% on average over the past years.
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.
4. Valuation
4.1 Price/Earnings Ratio
CIV is valuated reasonably with a Price/Earnings ratio of 10.31.
Compared to the rest of the industry, the Price/Earnings ratio of CIV indicates a slightly more expensive valuation: CIV is more expensive than 60.42% of the companies listed in the same industry.
CIV is valuated cheaply when we compare the Price/Earnings ratio to 27.13, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.31 | ||
| Fwd PE | N/A |
4.2 Price Multiples
66.67% of the companies in the same industry are more expensive than CIV, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 34.77 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)16.92
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
CIV has a Yearly Dividend Yield of 2.63%.
Compared to an average industry Dividend Yield of 5.01, CIV's dividend is way lower than its industry peers. On top of this 80.21% of the companies listed in the same industry pay a better dividend than CIV!
CIV's Dividend Yield is comparable with the S&P500 average which is at 2.32.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.63% |
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
EPA:CIV (9/2/2025, 9:01:58 AM)
109.88
-3.62 (-3.19%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners2.9%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap246.13M
AnalystsN/A
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.63% |
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 | 10.31 | ||
| Fwd PE | N/A | ||
| P/S | 0.73 | ||
| P/FCF | 34.77 | ||
| P/OCF | 15.67 | ||
| P/B | 0.1 | ||
| P/tB | 0.1 | ||
| EV/EBITDA | N/A |
EPS(TTM)10.66
EY9.7%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)3.16
FCFY2.88%
OCF(TTM)7.01
OCFY6.38%
SpS151.16
BVpS1082.02
TBVpS1082.02
PEG (NY)N/A
PEG (5Y)16.92
Profitability
| Industry Rank | Sector 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 Rank | Sector 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
WACC7.88%
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%