CRTO Fundamental Analysis - CA TOURAINE POITOU-CCI

Fundamental Rating

We assign a fundamental rating of 2 out of 10 to CRTO. CRTO was compared to 114 industry peers in the Banks industry. Both the profitability and financial health of CRTO have multiple concerns. CRTO has a expensive valuation and it also scores bad on growth.

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1. Profitability

1.1 Basic Checks

CRTO had positive earnings in the past year.

In the past year CRTO has reported a negative cash flow from operations.

CRTO had positive earnings in each of the past 5 years.

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

1.2 Ratios

CRTO has a Return On Assets of 0.47%. This is in the lower half of the industry: CRTO underperforms 72.81% of its industry peers.

CRTO has a worse Return On Equity (2.66%) than 85.96% of its industry peers.

		Industry Rank	Sector Rank
ROA	0.47%
ROE	2.66%
ROIC	N/A

ROA(3y)0.57%

ROA(5y)0.49%

ROE(3y)3.63%

ROE(5y)3.17%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

CRTO has a Profit Margin of 22.00%. This is comparable to the rest of the industry: CRTO outperforms 45.61% of its industry peers.

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

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

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	22%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y2.25%

PM growth 5Y-1.53%

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

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.

CRTO has a worse debt/assets ratio than last year.

2.2 Solvency

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 Debt to Equity ratio of 0.04. This is amongst the best in the industry. CRTO outperforms 93.86% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.04
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC6.92%

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

The earnings per share for CRTO have decreased strongly by -28.55% in the last year.

CRTO shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -3.09% yearly.

CRTO shows a decrease in Revenue. In the last year, the revenue decreased by -8.76%.

The Revenue has been growing slightly by 2.14% on average over the past years.

EPS 1Y (TTM)-28.55%

EPS 3Y-2.48%

EPS 5Y-3.09%

EPS Q2Q%-1.14%

Revenue 1Y (TTM)-8.76%

Revenue growth 3Y1.48%

Revenue growth 5Y2.14%

Sales Q2Q%-2.28%

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 9.13 indicates a reasonable valuation of CRTO.

CRTO's Price/Earnings ratio is rather cheap when compared to the industry. CRTO is cheaper than 83.33% of the companies in the same industry.

CRTO's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.87.

		Industry Rank	Sector Rank
PE	9.13
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

With a Yearly Dividend Yield of 2.89%, CRTO has a reasonable but not impressive dividend return.

CRTO's Dividend Yield is slightly below the industry average, which is at 3.98.

Compared to an average S&P500 Dividend Yield of 1.94, CRTO pays a bit more dividend than the S&P500 average.

		Industry Rank	Sector Rank
Dividend Yield	2.89%

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

5.3 Sustainability

DP0%

EPS Next 2YN/A

EPS Next 3YN/A

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CA TOURAINE POITOU-CCI

EPA:CRTO (1/6/2026, 4:05:41 PM)

115.46

-1.02 (-0.88%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)07-30 2025-07-30

Earnings (Next)01-29 2026-01-29

Inst Owners3.11%

Inst Owner ChangeN/A

Ins OwnersN/A

Ins Owner ChangeN/A

Market Cap118.92M

Revenue(TTM)359.04M

Net Income(TTM)79.00M

AnalystsN/A

Price TargetN/A

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	2.89%

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 Rank	Sector Rank
PE	9.13
Fwd PE	N/A
P/S	0.33
P/FCF	N/A
P/OCF	N/A
P/B	0.04
P/tB	0.04
EV/EBITDA	N/A

EPS(TTM)12.64

EY10.95%

EPS(NY)N/A

Fwd EYN/A

FCF(TTM)-329.51

FCFYN/A

OCF(TTM)-312.62

OCFYN/A

SpS348.58

BVpS2880.58

TBVpS2873.61

PEG (NY)N/A

PEG (5Y)N/A

Graham Number905.12

Profitability

		Industry Rank	Sector Rank
ROA	0.47%
ROE	2.66%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	22%
GM	N/A
FCFM	N/A

ROA(3y)0.57%

ROA(5y)0.49%

ROE(3y)3.63%

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

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 3Y2.25%

PM growth 5Y-1.53%

GM growth 3YN/A

GM growth 5YN/A

F-Score3

Asset Turnover0.02

Health

		Industry Rank	Sector Rank
Debt/Equity	0.04
Debt/FCF	N/A
Debt/EBITDA	N/A
Cap/Depr	172.96%
Cap/Sales	4.85%
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-Score3

WACC6.92%

ROIC/WACCN/A

Cap/Depr(3y)122.01%

Cap/Depr(5y)100.14%

Cap/Sales(3y)3.35%

Cap/Sales(5y)2.77%

Profit Quality(3y)N/A

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)-28.55%

EPS 3Y-2.48%

EPS 5Y-3.09%

EPS Q2Q%-1.14%

EPS Next YN/A

EPS Next 2YN/A

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)-8.76%

Revenue growth 3Y1.48%

Revenue growth 5Y2.14%

Sales Q2Q%-2.28%

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 1Y49.43%

FCF growth 3Y-54.5%

FCF growth 5Y-1.96%

OCF growth 1Y51.32%

OCF growth 3Y-52.22%

OCF growth 5Y0%

CA TOURAINE POITOU-CCI / CRTO.PA FAQ

What is the ChartMill fundamental rating of CA TOURAINE POITOU-CCI (CRTO.PA) stock?

ChartMill assigns a fundamental rating of 2 / 10 to CRTO.PA.

What is the valuation status for CRTO stock?

ChartMill assigns a valuation rating of 2 / 10 to CA TOURAINE POITOU-CCI (CRTO.PA). This can be considered as Overvalued.

How profitable is CA TOURAINE POITOU-CCI (CRTO.PA) stock?

CA TOURAINE POITOU-CCI (CRTO.PA) has a profitability rating of 2 / 10.

Can you provide the financial health for CRTO stock?

The financial health rating of CA TOURAINE POITOU-CCI (CRTO.PA) is 1 / 10.

How sustainable is the dividend of CA TOURAINE POITOU-CCI (CRTO.PA) stock?

The dividend rating of CA TOURAINE POITOU-CCI (CRTO.PA) is 3 / 10 and the dividend payout ratio is 0%.

CA TOURAINE POITOU-CCI (CRTO.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 TOURAINE POITOU-CCI / CRTO.PA FAQ

What is the ChartMill fundamental rating of CA TOURAINE POITOU-CCI (CRTO.PA) stock?

What is the valuation status for CRTO stock?

How profitable is CA TOURAINE POITOU-CCI (CRTO.PA) stock?

Can you provide the financial health for CRTO stock?

How sustainable is the dividend of CA TOURAINE POITOU-CCI (CRTO.PA) stock?