CRAV Fundamental Analysis - CA ATLANTIQUE VENDEE-CCI

Fundamental Rating

Overall CRAV gets a fundamental rating of 3 out of 10. We evaluated CRAV against 95 industry peers in the Banks industry. While CRAV seems to be doing ok healthwise, there are quite some concerns on its profitability. 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 positive operating cash flow in the past year.

In the past 5 years CRAV has always been profitable.

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

1.2 Ratios

The Return On Assets of CRAV (0.26%) is worse than 83.16% of its industry peers.

CRAV has a worse Return On Equity (2.15%) than 87.37% of its industry peers.

		Industry Rank	Sector Rank
ROA	0.26%
ROE	2.15%
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

With a Profit Margin value of 15.18%, CRAV is not doing good in the industry: 71.58% of the companies in the same industry are doing better.

In the last couple of years the Profit Margin of CRAV has declined.

The Operating Margin and Gross Margin are not available for CRAV so they could not be analyzed.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	15.18%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-9.79%

PM growth 5Y-7.27%

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.

The number of shares outstanding for CRAV remains at a similar level compared to 1 year ago.

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

CRAV has a better debt/assets ratio than last year.

2.2 Solvency

CRAV has a debt to FCF ratio of 1.54. This is a very positive value and a sign of high solvency as it would only need 1.54 years to pay back of all of its debts.

Looking at the Debt to FCF ratio, with a value of 1.54, CRAV belongs to the top of the industry, outperforming 95.79% of the companies in the same industry.

CRAV has a Debt/Equity ratio of 0.09. This is a healthy value indicating a solid balance between debt and equity.

Looking at the Debt to Equity ratio, with a value of 0.09, CRAV belongs to the top of the industry, outperforming 90.53% of the companies in the same industry.

		Industry Rank	Sector Rank
Debt/Equity	0.09
Debt/FCF	1.54
Altman-Z	N/A

ROIC/WACCN/A

WACC5.25%

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 slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -0.83%.

CRAV shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -5.30% yearly.

The Revenue has been growing slightly by 4.43% in the past year.

The Revenue has been growing slightly by 2.10% on average over the past years.

EPS 1Y (TTM)-0.83%

EPS 3Y-8.93%

EPS 5Y-5.3%

EPS Q2Q%34.46%

Revenue 1Y (TTM)4.43%

Revenue growth 3Y0.9%

Revenue growth 5Y2.1%

Sales Q2Q%7.16%

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

Based on the Price/Earnings ratio of 12.95, the valuation of CRAV can be described as correct.

Compared to the rest of the industry, the Price/Earnings ratio of CRAV indicates a slightly more expensive valuation: CRAV is more expensive than 76.84% of the companies listed in the same industry.

Compared to an average S&P500 Price/Earnings ratio of 27.08, CRAV is valued rather cheaply.

		Industry Rank	Sector Rank
PE	12.95
Fwd PE	N/A

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, CRAV is valued cheaply inside the industry as 98.95% of the companies are valued more expensively.

		Industry Rank	Sector Rank
P/FCF	0.8
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 2.45%. Purely for dividend investing, there may be better candidates out there.

Compared to an average industry Dividend Yield of 4.83, CRAV's dividend is way lower than its industry peers. On top of this 83.16% of the companies listed in the same industry pay a better dividend than CRAV!

CRAV's Dividend Yield is comparable with the S&P500 average which is at 2.34.

		Industry Rank	Sector Rank
Dividend Yield	2.45%

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 (8/29/2025, 7:00:00 PM)

150.24

+0.24 (+0.16%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)07-25 2025-07-25

Earnings (Next)11-04 2025-11-04

Inst Owners4.3%

Inst Owner ChangeN/A

Ins OwnersN/A

Ins Owner ChangeN/A

Market Cap183.29M

AnalystsN/A

Price TargetN/A

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	2.45%

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	12.95
Fwd PE	N/A
P/S	0.32
P/FCF	0.8
P/OCF	0.68
P/B	0.05
P/tB	0.05
EV/EBITDA	N/A

EPS(TTM)11.6

EY7.72%

EPS(NY)N/A

Fwd EYN/A

FCF(TTM)188.36

FCFY125.37%

OCF(TTM)222.55

OCFY148.13%

SpS462.29

BVpS3267.13

TBVpS3262.5

PEG (NY)N/A

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	0.26%
ROE	2.15%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	15.18%
GM	N/A
FCFM	40.74%

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

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 3Y-9.79%

PM growth 5Y-7.27%

GM growth 3YN/A

GM growth 5YN/A

F-Score5

Asset Turnover0.02

Health

		Industry Rank	Sector Rank
Debt/Equity	0.09
Debt/FCF	1.54
Debt/EBITDA	N/A
Cap/Depr	188.53%
Cap/Sales	7.4%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	268.47%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score5

WACC5.25%

ROIC/WACCN/A

Cap/Depr(3y)179.19%

Cap/Depr(5y)167.07%

Cap/Sales(3y)6.69%

Cap/Sales(5y)6.31%

Profit Quality(3y)N/A

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)-0.83%

EPS 3Y-8.93%

EPS 5Y-5.3%

EPS Q2Q%34.46%

EPS Next YN/A

EPS Next 2YN/A

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)4.43%

Revenue growth 3Y0.9%

Revenue growth 5Y2.1%

Sales Q2Q%7.16%

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 1Y125.44%

FCF growth 3Y-41.96%

FCF growth 5Y-14.64%

OCF growth 1Y131.56%

OCF growth 3Y-39.13%

OCF growth 5Y-12.88%

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