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

EPA:CIV - Euronext Paris - Matif - FR0000045213 - Common Stock - Currency: EUR

79  +0.7 (+0.89%)

Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to CIV. CIV was compared to 95 industry peers in the Banks industry. While CIV seems to be doing ok healthwise, 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.
In the past year CIV has reported a negative cash flow from operations.
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 0 500M -500M

1.2 Ratios

CIV has a Return On Assets of 0.37%. This is in the lower half of the industry: CIV underperforms 77.89% of its industry peers.
With a Return On Equity value of 3.20%, CIV is not doing good in the industry: 78.95% of the companies in the same industry are doing better.
Industry RankSector Rank
ROA 0.37%
ROE 3.2%
ROIC N/A
ROA(3y)0.34%
ROA(5y)0.32%
ROE(3y)3.06%
ROE(5y)2.72%
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 2 4 6

1.3 Margins

CIV has a Profit Margin (21.30%) which is in line with its industry peers.
In the last couple of years the Profit Margin of CIV has declined.
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) 21.3%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y30.93%
PM growth 5Y-4.78%
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 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.
The number of shares outstanding for CIV remains at a similar level compared to 1 year ago.
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.
CIV.PA Yearly Shares OutstandingCIV.PA Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 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 5B 10B 15B 20B

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 RankSector Rank
Debt/Equity 0
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC8.07%
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 0 500M -500M 1B 1.5B 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 200M 400M 600M 800M 1B

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2

3. Growth

3.1 Past

The Earnings Per Share has grown by an nice 17.81% over the past year.
The Earnings Per Share has been decreasing by -0.30% on average over the past years.
Looking at the last year, CIV shows a small growth in Revenue. The Revenue has grown by 0.72% in the last year.
The Revenue has been growing slightly by 4.46% on average over the past years.
EPS 1Y (TTM)17.81%
EPS 3Y43.47%
EPS 5Y-0.3%
EPS Q2Q%34.55%
Revenue 1Y (TTM)0.72%
Revenue growth 3Y9.07%
Revenue growth 5Y4.46%
Sales Q2Q%6.08%

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 100M 200M 300M

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2

4. Valuation

4.1 Price/Earnings Ratio

CIV is valuated cheaply with a Price/Earnings ratio of 6.39.
Compared to the rest of the industry, the Price/Earnings ratio of CIV indicates a rather cheap valuation: CIV is cheaper than 85.26% of the companies listed in the same industry.
When comparing the Price/Earnings ratio of CIV to the average of the S&P500 Index (24.21), we can say CIV is valued rather cheaply.
Industry RankSector Rank
PE 6.39
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)N/A
EPS Next 2YN/A
EPS Next 3YN/A

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4

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 4.12%, CIV is a good candidate for dividend investing.
CIV's Dividend Yield is slightly below the industry average, which is at 5.30.
CIV's Dividend Yield is rather good when compared to the S&P500 average which is at 2.44.
Industry RankSector Rank
Dividend Yield 4.12%

5.2 History

The dividend of CIV decreases each year by -3.75%.
Dividend Growth(5Y)-3.75%
Div Incr Years2
Div Non Decr Years2
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

CIV's earnings and Dividend Rate are declining. This means the current dividend is most likely not sustainable.
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 0 500M -500M

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CA ILLE ET VILAINE-CCI

EPA:CIV (5/9/2025, 7:00:00 PM)

79

+0.7 (+0.89%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)05-03 2025-05-03
Earnings (Next)08-01 2025-08-01
Inst Owners2.97%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap176.96M
AnalystsN/A
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 4.12%
Yearly DividendN/A
Dividend Growth(5Y)-3.75%
DP0%
Div Incr Years2
Div Non Decr Years2
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 6.39
Fwd PE N/A
P/S 0.51
P/FCF N/A
P/OCF N/A
P/B 0.08
P/tB 0.08
EV/EBITDA N/A
EPS(TTM)12.37
EY15.66%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)-113.46
FCFYN/A
OCF(TTM)-110.75
OCFYN/A
SpS156.37
BVpS1041.67
TBVpS1041.67
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.37%
ROE 3.2%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 21.3%
GM N/A
FCFM N/A
ROA(3y)0.34%
ROA(5y)0.32%
ROE(3y)3.06%
ROE(5y)2.72%
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 3Y30.93%
PM growth 5Y-4.78%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.02
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 63.97%
Cap/Sales 1.73%
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-Score6
WACC8.07%
ROIC/WACCN/A
Cap/Depr(3y)82.07%
Cap/Depr(5y)85.44%
Cap/Sales(3y)2.33%
Cap/Sales(5y)3%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)17.81%
EPS 3Y43.47%
EPS 5Y-0.3%
EPS Q2Q%34.55%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)0.72%
Revenue growth 3Y9.07%
Revenue growth 5Y4.46%
Sales Q2Q%6.08%
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 1Y-228.66%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-219.3%
OCF growth 3YN/A
OCF growth 5YN/A