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CA ATLANTIQUE VENDEE-CCI (CRAV.PA) Stock Fundamental Analysis

EPA:CRAV - Euronext Paris - Matif - FR0000185506 - Common Stock - Currency: EUR

122.12  -2.88 (-2.3%)

Fundamental Rating

3

Overall CRAV gets a fundamental rating of 3 out of 10. We evaluated CRAV against 91 industry peers in the Banks industry. While CRAV seems to be doing ok healthwise, there are quite some concerns on its profitability. CRAV does not seem to be growing, but still is valued expensively.


Dividend Valuation Growth Profitability Health

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2

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.
CRAV.PA Yearly Net Income VS EBIT VS OCF VS FCFCRAV.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 2024 0 500M -500M 1B

1.2 Ratios

Looking at the Return On Assets, with a value of 0.26%, CRAV is doing worse than 87.91% of the companies in the same industry.
The Return On Equity of CRAV (2.15%) is worse than 89.01% of its industry peers.
Industry RankSector 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
CRAV.PA Yearly ROA, ROE, ROICCRAV.PA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1 2 3 4 5

1.3 Margins

CRAV has a worse Profit Margin (15.18%) than 71.43% of its industry peers.
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 RankSector 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
CRAV.PA Yearly Profit, Operating, Gross MarginsCRAV.PA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20 25

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4

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.
Compared to 1 year ago, CRAV has an improved debt to assets ratio.
CRAV.PA Yearly Shares OutstandingCRAV.PA Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2M 4M 6M
CRAV.PA Yearly Total Debt VS Total AssetsCRAV.PA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10B 20B 30B

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.
CRAV has a better Debt to FCF ratio (1.54) than 97.80% of its industry peers.
CRAV has a Debt/Equity ratio of 0.09. This is a healthy value indicating a solid balance between debt and equity.
CRAV's Debt to Equity ratio of 0.09 is amongst the best of the industry. CRAV outperforms 91.21% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.09
Debt/FCF 1.54
Altman-Z N/A
ROIC/WACCN/A
WACC5.23%
CRAV.PA Yearly LT Debt VS Equity VS FCFCRAV.PA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 1B 2B 3B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
CRAV.PA Yearly Current Assets VS Current LiabilitesCRAV.PA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M 500M

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1

3. Growth

3.1 Past

The earnings per share for CRAV have decreased by -0.83% in the last year.
Measured over the past years, CRAV shows a decrease in Earnings Per Share. The EPS has been decreasing by -5.30% on average per year.
Looking at the last year, CRAV shows a small growth in Revenue. The Revenue has grown by 4.43% in the last year.
Measured over the past years, CRAV shows a small growth in Revenue. The Revenue has been growing by 2.10% on average per year.
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.
CRAV.PA Yearly Revenue VS EstimatesCRAV.PA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M

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3

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 10.53, which indicates a very decent valuation of CRAV.
Based on the Price/Earnings ratio, CRAV is valued a bit more expensive than the industry average as 64.84% of the companies are valued more cheaply.
CRAV is valuated cheaply when we compare the Price/Earnings ratio to 26.99, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 10.53
Fwd PE N/A
CRAV.PA Price Earnings VS Forward Price EarningsCRAV.PA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, CRAV is valued cheaply inside the industry as 100.00% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 0.65
EV/EBITDA N/A
CRAV.PA Per share dataCRAV.PA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 1K 2K 3K

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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2

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 2.77%, CRAV has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 5.02, CRAV's dividend is way lower than its industry peers. On top of this 82.42% 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 2.40.
Industry RankSector Rank
Dividend Yield 2.77%

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
CRAV.PA Yearly Dividends per shareCRAV.PA Yearly Dividends per shareYearly Dividends per share 2019 2020 2021 2022 2023 2024 2025 1 2 3 4

5.3 Sustainability

DP0%
EPS Next 2YN/A
EPS Next 3YN/A
CRAV.PA Yearly Income VS Free CF VS DividendCRAV.PA Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 500M -500M 1B

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CA ATLANTIQUE VENDEE-CCI

EPA:CRAV (8/7/2025, 3:49:30 PM)

122.12

-2.88 (-2.3%)

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 Cap148.99M
AnalystsN/A
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 2.77%
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 RankSector Rank
PE 10.53
Fwd PE N/A
P/S 0.26
P/FCF 0.65
P/OCF 0.55
P/B 0.04
P/tB 0.04
EV/EBITDA N/A
EPS(TTM)11.6
EY9.5%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)188.36
FCFY154.24%
OCF(TTM)222.55
OCFY182.24%
SpS462.29
BVpS3267.13
TBVpS3262.5
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector 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 RankSector 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
WACC5.23%
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%