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

EPA:CRTO • FR0000045304

121.78 EUR
+0.76 (+0.63%)
Last: Feb 18, 2026, 11:17 AM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership
Fundamental Rating

2

We assign a fundamental rating of 2 out of 10 to CRTO. CRTO was compared to 110 industry peers in the Banks industry. CRTO has a bad profitability rating. Also its financial health evaluation is rather negative. CRTO is valued expensive and it does not seem to be growing.


Dividend Valuation Growth Profitability Health

2

1. Profitability

1.1 Basic Checks

  • CRTO had positive earnings in the past year.
  • CRTO had a negative operating cash flow in the past year.
  • Each year in the past 5 years CRTO has been profitable.
  • 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 500M -500M 1B

1.2 Ratios

  • CRTO has a worse Return On Assets (0.47%) than 75.45% of its industry peers.
  • With a Return On Equity value of 2.66%, CRTO is not doing good in the industry: 87.27% of the companies in the same industry are doing better.
Industry RankSector Rank
ROA 0.47%
ROE 2.66%
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 1 2 3 4

1.3 Margins

  • Looking at the Profit Margin, with a value of 22.01%, CRTO is in line with its industry, outperforming 42.73% of the companies in the same 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) 22.01%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y2.05%
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20 25

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ROAROEROICOperating and Profit MarginShow most profitable peers

2

2. Health

2.1 Basic Checks

  • CRTO does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • CRTO has about the same amout of shares outstanding than it did 1 year ago.
  • The number of shares outstanding for CRTO has been reduced compared to 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 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B 15B

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.
  • Looking at the Debt to Equity ratio, with a value of 0.04, CRTO belongs to the top of the industry, outperforming 90.00% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.04
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC7.02%
CRTO.PA Yearly LT Debt VS Equity VS FCFCRTO.PA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 100M 200M 300M 400M 500M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

1

3. Growth

3.1 Past

  • CRTO shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -28.91%.
  • Measured over the past years, CRTO shows a decrease in Earnings Per Share. The EPS has been decreasing by -3.03% on average per year.
  • Looking at the last year, CRTO shows a decrease in Revenue. The Revenue has decreased by -8.76% in the last year.
  • Measured over the past years, CRTO shows a small growth in Revenue. The Revenue has been growing by 2.15% on average per year.
EPS 1Y (TTM)-28.91%
EPS 3Y3.74%
EPS 5Y-3.03%
EPS Q2Q%-1.99%
Revenue 1Y (TTM)-8.76%
Revenue growth 3Y1.47%
Revenue growth 5Y2.15%
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.
CRTO.PA Yearly Revenue VS EstimatesCRTO.PA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M

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Find the best growth stocksShow best growing peers

2

4. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 9.63, which indicates a very decent valuation of CRTO.
  • Based on the Price/Earnings ratio, CRTO is valued a bit cheaper than 75.45% of the companies in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 27.16, CRTO is valued rather cheaply.
Industry RankSector Rank
PE 9.63
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

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
CRTO.PA Per share dataCRTO.PA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 1K 2K

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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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

3

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 2.72%, CRTO has a reasonable but not impressive dividend return.
  • CRTO's Dividend Yield is slightly below the industry average, which is at 4.33.
  • Compared to an average S&P500 Dividend Yield of 1.82, CRTO pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 2.72%

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 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 500M -500M 1B

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CA TOURAINE POITOU-CCI

EPA:CRTO (2/18/2026, 11:17:38 AM)

121.78

+0.76 (+0.63%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-04
Earnings (Next)07-28
Inst Owners3.11%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap123.00M
Revenue(TTM)359.04M
Net Income(TTM)79.03M
AnalystsN/A
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 2.72%
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 9.63
Fwd PE N/A
P/S 0.34
P/FCF N/A
P/OCF N/A
P/B 0.04
P/tB 0.04
EV/EBITDA N/A
EPS(TTM)12.64
EY10.38%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)-335.99
FCFYN/A
OCF(TTM)-318.86
OCFYN/A
SpS355.48
BVpS2937.09
TBVpS2929.98
PEG (NY)N/A
PEG (5Y)N/A
Graham Number913.95
Profitability
Industry RankSector Rank
ROA 0.47%
ROE 2.66%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 22.01%
GM N/A
FCFM 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
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 3Y2.05%
PM growth 5Y-1.64%
GM growth 3YN/A
GM growth 5YN/A
F-Score3
Asset Turnover0.02
Health
Industry RankSector Rank
Debt/Equity 0.04
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 170.93%
Cap/Sales 4.82%
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
WACC7.02%
ROIC/WACCN/A
Cap/Depr(3y)123.44%
Cap/Depr(5y)100.93%
Cap/Sales(3y)3.36%
Cap/Sales(5y)2.77%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-28.91%
EPS 3Y3.74%
EPS 5Y-3.03%
EPS Q2Q%-1.99%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-8.76%
Revenue growth 3Y1.47%
Revenue growth 5Y2.15%
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 1Y49.46%
FCF growth 3Y-54.56%
FCF growth 5Y-2.03%
OCF growth 1Y51.33%
OCF growth 3Y-52.29%
OCF growth 5Y-0.08%

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 2 / 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%.