CA TOURAINE POITOU-CCI (CRTO.PA) Stock Fundamental Analysis
Europe - EPA:CRTO - FR0000045304 - Common Stock
116.5 EUR
-0.5 (-0.43%)
We assign a fundamental rating of 2 out of 10 to CRTO. CRTO was compared to 96 industry peers in the Banks industry. Both the profitability and financial health of CRTO have multiple concerns. CRTO is valued expensive and it does not seem to be growing.
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.
Each year in the past 5 years CRTO has been profitable.
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
With a Return On Assets value of 0.47%, CRTO is not doing good in the industry: 67.37% of the companies in the same industry are doing better.
With a Return On Equity value of 2.66%, CRTO is not doing good in the industry: 86.32% of the companies in the same industry are doing better.
| Industry Rank | Sector 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
1.3 Margins
Looking at the Profit Margin, with a value of 22.01%, CRTO is in line with its industry, outperforming 49.47% of the companies in the same 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 Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 22.01% | ||
| 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
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 increased compared to 5 years ago.
The debt/assets ratio for CRTO is higher compared to a year ago.
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 92.63% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.04 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC6.97%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
CRTO shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -28.94%.
CRTO shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -3.19% yearly.
Looking at the last year, CRTO shows a decrease in Revenue. The Revenue has decreased by -8.76% in the last year.
The Revenue has been growing slightly by 2.14% on average over the past years.
EPS 1Y (TTM)-28.94%
EPS 3Y-2.64%
EPS 5Y-3.19%
EPS Q2Q%-2.05%
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.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 9.22, the valuation of CRTO can be described as reasonable.
Based on the Price/Earnings ratio, CRTO is valued a bit cheaper than 70.53% of the companies in the same industry.
CRTO is valuated cheaply when we compare the Price/Earnings ratio to 26.06, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.22 | ||
| 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
5. Dividend
5.1 Amount
CRTO has a Yearly Dividend Yield of 2.74%. Purely for dividend investing, there may be better candidates out there.
CRTO's Dividend Yield is slightly below the industry average, which is at 4.84.
Compared to an average S&P500 Dividend Yield of 2.37, CRTO has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.74% |
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
EPA:CRTO (11/7/2025, 7:00:00 PM)
116.5
-0.5 (-0.43%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners3.71%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap120.00M
Revenue(TTM)359.04M
Net Income(TTM)79.03M
AnalystsN/A
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.74% |
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 | 9.22 | ||
| 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
EY10.85%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)-329.47
FCFYN/A
OCF(TTM)-312.67
OCFYN/A
SpS348.58
BVpS2880.06
TBVpS2873.09
PEG (NY)N/A
PEG (5Y)N/A
Graham Number905.04
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) | 22.01% | ||
| 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 3Y2.06%
PM growth 5Y-1.64%
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 | 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
WACC6.97%
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)-28.94%
EPS 3Y-2.64%
EPS 5Y-3.19%
EPS Q2Q%-2.05%
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 1Y49.46%
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.
Can you provide the valuation status for CA TOURAINE POITOU-CCI?
ChartMill assigns a valuation rating of 2 / 10 to CA TOURAINE POITOU-CCI (CRTO.PA). This can be considered as Overvalued.
Can you provide the profitability details for CA TOURAINE POITOU-CCI?
CA TOURAINE POITOU-CCI (CRTO.PA) has a profitability rating of 2 / 10.
What are the PE and PB ratios of CA TOURAINE POITOU-CCI (CRTO.PA) stock?
The Price/Earnings (PE) ratio for CA TOURAINE POITOU-CCI (CRTO.PA) is 9.22 and the Price/Book (PB) ratio is 0.04.