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CA TOURAINE POITOU-CCI (CRTO.PA) Stock Fundamental Analysis

EPA:CRTO - Euronext Paris - Matif - FR0000045304 - Common Stock - Currency: EUR

95.49  +0.5 (+0.53%)

Fundamental Rating

2

CRTO gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 87 industry peers in the Banks industry. CRTO has a bad profitability rating. Also its financial health evaluation is rather negative. CRTO 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

CRTO had positive earnings in the past year.
CRTO had a positive operating cash flow in the past year.
CRTO had positive earnings in each of the past 5 years.
In multiple years CRTO reported negative operating cash flow during the last 5 years.
CRTO.PA Yearly Net Income VS EBIT VS OCF VS FCFCRTO.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

CRTO has a worse Return On Assets (0.48%) than 64.37% of its industry peers.
CRTO's Return On Equity of 2.84% is on the low side compared to the rest of the industry. CRTO is outperformed by 85.06% of its industry peers.
Industry RankSector Rank
ROA 0.48%
ROE 2.84%
ROIC N/A
ROA(3y)0.57%
ROA(5y)0.49%
ROE(3y)3.62%
ROE(5y)3.17%
ROIC(3y)N/A
ROIC(5y)N/A
CRTO.PA Yearly ROA, ROE, ROICCRTO.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

CRTO has a Profit Margin (22.14%) which is comparable to the rest of the industry.
CRTO's Profit Margin has declined in the last couple of years.
CRTO 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) 22.14%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y2.06%
PM growth 5Y-1.64%
GM growth 3YN/A
GM growth 5YN/A
CRTO.PA Yearly Profit, Operating, Gross MarginsCRTO.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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3

2. Health

2.1 Basic Checks

CRTO does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for CRTO remains at a similar level compared to 1 year ago.
CRTO has more shares outstanding than it did 5 years ago.
The debt/assets ratio for CRTO is higher compared to a year ago.
CRTO.PA Yearly Shares OutstandingCRTO.PA Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2M 4M 6M
CRTO.PA Yearly Total Debt VS Total AssetsCRTO.PA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B 15B

2.2 Solvency

The Debt to FCF ratio of CRTO is 1.20, which is an excellent value as it means it would take CRTO, only 1.20 years of fcf income to pay off all of its debts.
CRTO has a better Debt to FCF ratio (1.20) than 100.00% of its industry peers.
CRTO has a Debt/Equity ratio of 0.04. This is a healthy value indicating a solid balance between debt and equity.
CRTO has a better Debt to Equity ratio (0.04) than 94.25% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.04
Debt/FCF 1.2
Altman-Z N/A
ROIC/WACCN/A
WACC6.62%
CRTO.PA Yearly LT Debt VS Equity VS FCFCRTO.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

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
CRTO.PA Yearly Current Assets VS Current LiabilitesCRTO.PA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 100M 200M 300M 400M 500M

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1

3. Growth

3.1 Past

The earnings per share for CRTO have decreased strongly by -27.89% in the last year.
Measured over the past years, CRTO shows a decrease in Earnings Per Share. The EPS has been decreasing by -3.19% on average per year.
Looking at the last year, CRTO shows a decrease in Revenue. The Revenue has decreased by -6.56% in the last year.
The Revenue has been growing slightly by 2.14% on average over the past years.
EPS 1Y (TTM)-27.89%
EPS 3Y-2.64%
EPS 5Y-3.19%
EPS Q2Q%-68.08%
Revenue 1Y (TTM)-6.56%
Revenue growth 3Y1.48%
Revenue growth 5Y2.14%
Sales Q2Q%-15.9%

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.
CRTO.PA Yearly Revenue VS EstimatesCRTO.PA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M

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4

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 7.43, the valuation of CRTO can be described as very cheap.
Based on the Price/Earnings ratio, CRTO is valued a bit cheaper than 75.86% of the companies in the same industry.
When comparing the Price/Earnings ratio of CRTO to the average of the S&P500 Index (26.98), we can say CRTO is valued rather cheaply.
Industry RankSector Rank
PE 7.43
Fwd PE N/A
CRTO.PA Price Earnings VS Forward Price EarningsCRTO.PA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

CRTO's Price/Free Cash Flow ratio is rather cheap when compared to the industry. CRTO is cheaper than 95.40% of the companies in the same industry.
Industry RankSector Rank
P/FCF 0.97
EV/EBITDA N/A
CRTO.PA Per share dataCRTO.PA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 500 1K 1.5K 2K 2.5K

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

CRTO has a Yearly Dividend Yield of 3.38%.
With a Dividend Yield of 3.38, CRTO pays less dividend than the industry average, which is at 5.13. 80.46% of the companies listed in the same industry pay a better dividend than CRTO!
CRTO's Dividend Yield is a higher than the S&P500 average which is at 2.42.
Industry RankSector Rank
Dividend Yield 3.38%

5.2 History

The dividend of CRTO has a limited annual growth rate of 0.41%.
Dividend Growth(5Y)0.41%
Div Incr Years1
Div Non Decr Years1
CRTO.PA Yearly Dividends per shareCRTO.PA Yearly Dividends per shareYearly Dividends per share 2019 2020 2021 2022 2023 2024 2025 1 2 3

5.3 Sustainability

DP0%
EPS Next 2YN/A
EPS Next 3YN/A
CRTO.PA Yearly Income VS Free CF VS DividendCRTO.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 TOURAINE POITOU-CCI

EPA:CRTO (6/27/2025, 7:00:00 PM)

95.49

+0.5 (+0.53%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-30 2025-01-30
Earnings (Next)07-30 2025-07-30
Inst Owners4.19%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap98.35M
AnalystsN/A
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 3.38%
Yearly DividendN/A
Dividend Growth(5Y)0.41%
DP0%
Div Incr Years1
Div Non Decr Years1
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 7.43
Fwd PE N/A
P/S 0.27
P/FCF 0.97
P/OCF 0.83
P/B 0.03
P/tB 0.03
EV/EBITDA N/A
EPS(TTM)12.86
EY13.47%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)98.67
FCFY103.33%
OCF(TTM)115.08
OCFY120.52%
SpS353.14
BVpS2749.38
TBVpS2742.45
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.48%
ROE 2.84%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 22.14%
GM N/A
FCFM 27.94%
ROA(3y)0.57%
ROA(5y)0.49%
ROE(3y)3.62%
ROE(5y)3.17%
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 3Y2.06%
PM growth 5Y-1.64%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.02
Health
Industry RankSector Rank
Debt/Equity 0.04
Debt/FCF 1.2
Debt/EBITDA N/A
Cap/Depr 167.88%
Cap/Sales 4.65%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 126.18%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC6.62%
ROIC/WACCN/A
Cap/Depr(3y)123.44%
Cap/Depr(5y)101.01%
Cap/Sales(3y)3.36%
Cap/Sales(5y)2.78%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-27.89%
EPS 3Y-2.64%
EPS 5Y-3.19%
EPS Q2Q%-68.08%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-6.56%
Revenue growth 3Y1.48%
Revenue growth 5Y2.14%
Sales Q2Q%-15.9%
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 1Y131.77%
FCF growth 3Y-54.56%
FCF growth 5Y-2.03%
OCF growth 1Y138.53%
OCF growth 3Y-52.29%
OCF growth 5Y-0.08%