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

EPA:CRTO - FR0000045304 - Common Stock

120.9 EUR
+3.4 (+2.89%)
Last: 9/5/2025, 7:00:00 PM
Fundamental Rating

2

Overall CRTO gets a fundamental rating of 2 out of 10. We evaluated CRTO against 96 industry peers in the Banks industry. CRTO has a bad profitability rating. Also its financial health evaluation is rather negative. CRTO has a valuation in line with the averages, 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.
In the past year CRTO had a positive 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.
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

Looking at the Return On Assets, with a value of 0.48%, CRTO is doing worse than 66.67% of the companies in the same industry.
CRTO has a Return On Equity of 2.84%. This is amonst the worse of the industry: CRTO underperforms 83.33% 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

The Profit Margin of CRTO (22.14%) is comparable to the rest of the industry.
CRTO's Profit Margin has declined in the last couple of years.
The Operating Margin and Gross Margin are not available for CRTO so they could not be analyzed.
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.
Compared to 1 year ago, CRTO has about the same amount of shares outstanding.
CRTO has more shares outstanding than it did 5 years ago.
Compared to 1 year ago, CRTO has a worse debt to assets ratio.
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

CRTO has a debt to FCF ratio of 1.20. This is a very positive value and a sign of high solvency as it would only need 1.20 years to pay back of all of its debts.
CRTO has a Debt to FCF ratio of 1.20. This is amongst the best in the industry. CRTO outperforms 97.92% 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.
Looking at the Debt to Equity ratio, with a value of 0.04, CRTO belongs to the top of the industry, outperforming 92.71% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.04
Debt/FCF 1.2
Altman-Z N/A
ROIC/WACCN/A
WACC6.8%
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

CRTO shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -27.89%.
CRTO shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -3.19% yearly.
CRTO shows a decrease in Revenue. In the last year, the revenue decreased by -6.56%.
Measured over the past years, CRTO shows a small growth in Revenue. The Revenue has been growing by 2.14% on average per year.
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 9.40, the valuation of CRTO can be described as very reasonable.
Compared to the rest of the industry, the Price/Earnings ratio of CRTO indicates a somewhat cheap valuation: CRTO is cheaper than 62.50% of the companies listed in the same industry.
The average S&P500 Price/Earnings ratio is at 27.06. CRTO is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 9.4
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

Compared to the rest of the industry, the Price/Free Cash Flow ratio of CRTO indicates a rather cheap valuation: CRTO is cheaper than 96.88% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 1.23
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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2

5. Dividend

5.1 Amount

CRTO has a Yearly Dividend Yield of 2.73%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 5.01, CRTO's dividend is way lower than its industry peers. On top of this 81.25% of the companies listed in the same industry pay a better dividend than CRTO!
Compared to an average S&P500 Dividend Yield of 2.32, CRTO has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 2.73%

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 (9/5/2025, 7:00:00 PM)

120.9

+3.4 (+2.89%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-30 2025-07-30
Earnings (Next)01-29 2026-01-29
Inst Owners4.19%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap124.53M
AnalystsN/A
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 2.73%
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 9.4
Fwd PE N/A
P/S 0.34
P/FCF 1.23
P/OCF 1.05
P/B 0.04
P/tB 0.04
EV/EBITDA N/A
EPS(TTM)12.86
EY10.64%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)98.67
FCFY81.61%
OCF(TTM)115.08
OCFY95.19%
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
WACC6.8%
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%