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

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

99.21  +0.01 (+0.01%)

Fundamental Rating

3

CRAV gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 95 industry peers in the Banks industry. The financial health of CRAV is average, but there are quite some concerns on its profitability. CRAV is valued correctly, but it does not seem to be growing.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

In the past year CRAV was profitable.
CRAV had a positive operating cash flow in the past year.
CRAV had positive earnings in each of the past 5 years.
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

The Return On Assets of CRAV (0.26%) is worse than 85.26% of its industry peers.
CRAV's Return On Equity of 2.15% is on the low side compared to the rest of the industry. CRAV is outperformed by 85.26% 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

With a Profit Margin value of 15.18%, CRAV is not doing good in the industry: 68.42% of the companies in the same industry are doing better.
CRAV's Profit Margin has declined in the last couple of years.
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.
The number of shares outstanding for CRAV has been increased compared to 5 years ago.
CRAV has a better debt/assets ratio than last year.
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

The Debt to FCF ratio of CRAV is 1.54, which is an excellent value as it means it would take CRAV, only 1.54 years of fcf income to pay off 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 96.84% of the companies in the same industry.
A Debt/Equity ratio of 0.09 indicates that CRAV is not too dependend on debt financing.
With an excellent Debt to Equity ratio value of 0.09, CRAV belongs to the best of the industry, outperforming 91.58% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.09
Debt/FCF 1.54
Altman-Z N/A
ROIC/WACCN/A
WACC5.25%
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.
CRAV shows a small growth in Revenue. In the last year, the Revenue has grown by 4.43%.
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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4

4. Valuation

4.1 Price/Earnings Ratio

CRAV is valuated reasonably with a Price/Earnings ratio of 8.55.
Based on the Price/Earnings ratio, CRAV is valued a bit cheaper than 62.11% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 24.21. CRAV is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 8.55
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

Compared to the rest of the industry, the Price/Free Cash Flow ratio of CRAV indicates a rather cheap valuation: CRAV is cheaper than 100.00% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 0.53
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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3

5. Dividend

5.1 Amount

CRAV has a Yearly Dividend Yield of 3.56%.
Compared to an average industry Dividend Yield of 5.30, CRAV is paying slightly less dividend.
CRAV's Dividend Yield is a higher than the S&P500 average which is at 2.44.
Industry RankSector Rank
Dividend Yield 3.56%

5.2 History

The dividend of CRAV has a limited annual growth rate of 0.59%.
Dividend Growth(5Y)0.59%
Div Incr Years2
Div Non Decr Years2
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 (5/9/2025, 7:00:00 PM)

99.21

+0.01 (+0.01%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-16 2025-02-16
Earnings (Next)N/A N/A
Inst Owners4.47%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap121.04M
AnalystsN/A
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 3.56%
Yearly DividendN/A
Dividend Growth(5Y)0.59%
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 8.55
Fwd PE N/A
P/S 0.21
P/FCF 0.53
P/OCF 0.45
P/B 0.03
P/tB 0.03
EV/EBITDA N/A
EPS(TTM)11.6
EY11.69%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)188.36
FCFY189.86%
OCF(TTM)222.55
OCFY224.32%
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
WACC5.25%
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%