CRAV Fundamental Analysis - CA ATLANTIQUE VENDEE-CCI

Fundamental Rating

We assign a fundamental rating of 1 out of 10 to CRAV. CRAV was compared to 108 industry peers in the Banks industry. Both the profitability and financial health of CRAV have multiple concerns. CRAV is valued expensive and it does not seem to be growing.

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1. Profitability

1.1 Basic Checks

CRAV had positive earnings in the past year.

CRAV had a negative operating cash flow in the past year.

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

The reported operating cash flow has been mixed in the past 5 years: CRAV reported negative operating cash flow in multiple years.

1.2 Ratios

CRAV's Return On Assets of 0.25% is on the low side compared to the rest of the industry. CRAV is outperformed by 87.96% of its industry peers.

The Return On Equity of CRAV (1.95%) is worse than 88.89% of its industry peers.

		Industry Rank	Sector Rank
ROA	0.25%
ROE	1.95%
ROIC	N/A

ROA(3y)0.32%

ROA(5y)0.31%

ROE(3y)2.73%

ROE(5y)2.61%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

CRAV has a Profit Margin of 14.97%. This is in the lower half of the industry: CRAV underperforms 75.93% of its industry peers.

CRAV's Profit Margin has declined in the last couple of years.

CRAV 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)	14.97%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-9.64%

PM growth 5Y-7.18%

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

CRAV does not have a ROIC to compare to the WACC, probably because it is not profitable.

CRAV has about the same amout of shares outstanding than it did 1 year ago.

CRAV has more shares outstanding than it did 5 years ago.

The debt/assets ratio for CRAV has been reduced compared to a year ago.

2.2 Solvency

CRAV has a Debt/Equity ratio of 0.07. This is a healthy value indicating a solid balance between debt and equity.

The Debt to Equity ratio of CRAV (0.07) is better than 92.59% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.07
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC5.46%

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

CRAV shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 0.09%.

Measured over the past years, CRAV shows a decrease in Earnings Per Share. The EPS has been decreasing by -5.21% on average per year.

Looking at the last year, CRAV shows a decrease in Revenue. The Revenue has decreased by -0.96% in the last year.

CRAV shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 2.10% yearly.

EPS 1Y (TTM)0.09%

EPS 3Y-8.78%

EPS 5Y-5.21%

EPS Q2Q%-7.39%

Revenue 1Y (TTM)-0.96%

Revenue growth 3Y0.9%

Revenue growth 5Y2.1%

Sales Q2Q%-7.59%

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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4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 11.67 indicates a reasonable valuation of CRAV.

Compared to the rest of the industry, the Price/Earnings ratio of CRAV indicates a slightly more expensive valuation: CRAV is more expensive than 63.89% of the companies listed in the same industry.

When comparing the Price/Earnings ratio of CRAV to the average of the S&P500 Index (26.15), we can say CRAV is valued rather cheaply.

		Industry Rank	Sector Rank
PE	11.67
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)N/A

EPS Next 2YN/A

EPS Next 3YN/A

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5. Dividend

5.1 Amount

CRAV has a Yearly Dividend Yield of 2.63%.

CRAV's Dividend Yield is slightly below the industry average, which is at 4.85.

Compared to an average S&P500 Dividend Yield of 2.41, CRAV has a dividend comparable with the average S&P500 company.

		Industry Rank	Sector Rank
Dividend Yield	2.63%

5.2 History

The dividend of CRAV has a limited annual growth rate of 0.59%.

Dividend Growth(5Y)0.59%

Div Incr Years0

Div Non Decr Years0

5.3 Sustainability

DP0%

EPS Next 2YN/A

EPS Next 3YN/A

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CA ATLANTIQUE VENDEE-CCI

EPA:CRAV (11/27/2025, 2:13:21 PM)

128.02

-0.98 (-0.76%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)11-07 2025-11-07

Earnings (Next)02-03 2026-02-03

Inst Owners3.24%

Inst Owner ChangeN/A

Ins OwnersN/A

Ins Owner ChangeN/A

Market Cap156.18M

Revenue(TTM)541.14M

Net Income(TTM)81.00M

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)0.59%

DP0%

Div Incr Years0

Div Non Decr Years0

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	11.67
Fwd PE	N/A
P/S	0.29
P/FCF	N/A
P/OCF	N/A
P/B	0.04
P/tB	0.04
EV/EBITDA	N/A

EPS(TTM)10.97

EY8.57%

EPS(NY)N/A

Fwd EYN/A

FCF(TTM)-344.26

FCFYN/A

OCF(TTM)-312.29

OCFYN/A

SpS443.56

BVpS3398.36

TBVpS3393.75

PEG (NY)N/A

PEG (5Y)N/A

Graham Number915.86

Profitability

		Industry Rank	Sector Rank
ROA	0.25%
ROE	1.95%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	14.97%
GM	N/A
FCFM	N/A

ROA(3y)0.32%

ROA(5y)0.31%

ROE(3y)2.73%

ROE(5y)2.61%

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 3Y-9.64%

PM growth 5Y-7.18%

GM growth 3YN/A

GM growth 5YN/A

F-Score5

Asset Turnover0.02

Health

		Industry Rank	Sector Rank
Debt/Equity	0.07
Debt/FCF	N/A
Debt/EBITDA	N/A
Cap/Depr	177.27%
Cap/Sales	7.21%
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-Score5

WACC5.46%

ROIC/WACCN/A

Cap/Depr(3y)179.54%

Cap/Depr(5y)167.28%

Cap/Sales(3y)6.71%

Cap/Sales(5y)6.32%

Profit Quality(3y)N/A

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)0.09%

EPS 3Y-8.78%

EPS 5Y-5.21%

EPS Q2Q%-7.39%

EPS Next YN/A

EPS Next 2YN/A

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)-0.96%

Revenue growth 3Y0.9%

Revenue growth 5Y2.1%

Sales Q2Q%-7.59%

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 1Y65.56%

FCF growth 3Y-41.94%

FCF growth 5Y-14.63%

OCF growth 1Y67.79%

OCF growth 3Y-39.09%

OCF growth 5Y-12.85%

CA ATLANTIQUE VENDEE-CCI / CRAV.PA FAQ

What is the fundamental rating for CRAV stock?

ChartMill assigns a fundamental rating of 1 / 10 to CRAV.PA.

Can you provide the valuation status for CA ATLANTIQUE VENDEE-CCI?

ChartMill assigns a valuation rating of 1 / 10 to CA ATLANTIQUE VENDEE-CCI (CRAV.PA). This can be considered as Overvalued.

How profitable is CA ATLANTIQUE VENDEE-CCI (CRAV.PA) stock?

CA ATLANTIQUE VENDEE-CCI (CRAV.PA) has a profitability rating of 1 / 10.

How sustainable is the dividend of CA ATLANTIQUE VENDEE-CCI (CRAV.PA) stock?

The dividend rating of CA ATLANTIQUE VENDEE-CCI (CRAV.PA) is 2 / 10 and the dividend payout ratio is 0%.

CA ATLANTIQUE VENDEE-CCI (CRAV.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 ATLANTIQUE VENDEE-CCI / CRAV.PA FAQ

What is the fundamental rating for CRAV stock?

Can you provide the valuation status for CA ATLANTIQUE VENDEE-CCI?

How profitable is CA ATLANTIQUE VENDEE-CCI (CRAV.PA) stock?

How sustainable is the dividend of CA ATLANTIQUE VENDEE-CCI (CRAV.PA) stock?