AXA NV25 (CSNV.PA) Stock Fundamental Analysis
Europe - Euronext Paris - EPA:CSNV - FR001400UEZ6 - Common Stock
40 EUR
+0.8 (+2.04%)
CSNV gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 47 industry peers in the Insurance industry. CSNV has only an average score on both its financial health and profitability. CSNV has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
In the past year CSNV was profitable.
CSNV had a positive operating cash flow in the past year.
In the past 5 years CSNV has always been profitable.
In the past 5 years CSNV always reported a positive cash flow from operatings.
1.2 Ratios
CSNV has a Return On Assets (1.09%) which is in line with its industry peers.
The Return On Equity of CSNV (14.13%) is comparable to the rest of the industry.
With a Return On Invested Capital value of 1.21%, CSNV perfoms like the industry average, outperforming 47.22% of the companies in the same industry.
CSNV had an Average Return On Invested Capital over the past 3 years of 1.23%. This is in line with the industry average of 2.11%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.09% | ||
| ROE | 14.13% | ||
| ROIC | 1.21% |
ROA(3y)1.01%
ROA(5y)0.77%
ROE(3y)12.73%
ROE(5y)9.51%
ROIC(3y)1.23%
ROIC(5y)1.01%
1.3 Margins
Looking at the Profit Margin, with a value of 8.23%, CSNV is in line with its industry, outperforming 47.22% of the companies in the same industry.
In the last couple of years the Profit Margin of CSNV has grown nicely.
Looking at the Operating Margin, with a value of 11.15%, CSNV is in line with its industry, outperforming 44.44% of the companies in the same industry.
CSNV's Operating Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 11.15% | ||
| PM (TTM) | 8.23% | ||
| GM | N/A |
OM growth 3Y23.76%
OM growth 5Y4.76%
PM growth 3Y46.22%
PM growth 5Y36.38%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so CSNV is destroying value.
CSNV has more shares outstanding than it did 1 year ago.
CSNV has less shares outstanding than it did 5 years ago.
Compared to 1 year ago, CSNV has a worse debt to assets ratio.
2.2 Solvency
Based on the Altman-Z score of 0.34, we must say that CSNV is in the distress zone and has some risk of bankruptcy.
The Altman-Z score of CSNV (0.34) is better than 83.33% of its industry peers.
CSNV has a debt to FCF ratio of 3.74. This is a good value and a sign of high solvency as CSNV would need 3.74 years to pay back of all of its debts.
CSNV has a Debt to FCF ratio (3.74) which is in line with its industry peers.
A Debt/Equity ratio of 0.49 indicates that CSNV is not too dependend on debt financing.
The Debt to Equity ratio of CSNV (0.49) is better than 72.22% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.49 | ||
| Debt/FCF | 3.74 | ||
| Altman-Z | 0.34 |
ROIC/WACC0.12
WACC10.29%
2.3 Liquidity
CSNV has a Current Ratio of 0.99. This is a bad value and indicates that CSNV is not financially healthy enough and could expect problems in meeting its short term obligations.
CSNV has a Current ratio of 0.99. This is amongst the best in the industry. CSNV outperforms 88.89% of its industry peers.
A Quick Ratio of 0.99 indicates that CSNV may have some problems paying its short term obligations.
CSNV has a better Quick ratio (0.99) than 88.89% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.99 | ||
| Quick Ratio | 0.99 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 15.27% over the past year.
CSNV shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 32.03% yearly.
The Revenue for CSNV has decreased by -15.52% in the past year. This is quite bad
Measured over the past years, CSNV shows a decrease in Revenue. The Revenue has been decreasing by -4.60% on average per year.
EPS 1Y (TTM)15.27%
EPS 3Y35.79%
EPS 5Y32.03%
EPS Q2Q%34.3%
Revenue 1Y (TTM)-15.52%
Revenue growth 3Y-9.14%
Revenue growth 5Y-4.6%
Sales Q2Q%-23.49%
3.2 Future
CSNV is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 6.58% yearly.
Based on estimates for the next years, CSNV will show a small growth in Revenue. The Revenue will grow by 0.89% on average per year.
EPS Next Y6.5%
EPS Next 2Y7.56%
EPS Next 3Y10.07%
EPS Next 5Y6.58%
Revenue Next Year-2.14%
Revenue Next 2Y1.08%
Revenue Next 3Y0.89%
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 12.82 indicates a correct valuation of CSNV.
Based on the Price/Earnings ratio, CSNV is valued a bit cheaper than the industry average as 66.67% of the companies are valued more expensively.
CSNV's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 25.65.
Based on the Price/Forward Earnings ratio of 11.05, the valuation of CSNV can be described as reasonable.
CSNV's Price/Forward Earnings ratio is in line with the industry average.
When comparing the Price/Forward Earnings ratio of CSNV to the average of the S&P500 Index (34.45), we can say CSNV is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.82 | ||
| Fwd PE | 11.05 |
4.2 Price Multiples
The rest of the industry has a similar Price/Free Cash Flow ratio as CSNV.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 13.6 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates CSNV does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)1.97
PEG (5Y)0.4
EPS Next 2Y7.56%
EPS Next 3Y10.07%
5. Dividend
5.1 Amount
CSNV does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
EPA:CSNV (5/2/2025, 7:00:00 PM)
40
+0.8 (+2.04%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst OwnersN/A
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap89.05B
Revenue(TTM)85.11B
Net Income(TTM)7.00B
Analysts84.14
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Yearly DividendN/A
Dividend Growth(5Y)N/A
DP56.37%
Div Incr Years0
Div Non Decr Years0
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)0%
PT rev (3m)0%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.82 | ||
| Fwd PE | 11.05 | ||
| P/S | 1.05 | ||
| P/FCF | 13.6 | ||
| P/OCF | 12.76 | ||
| P/B | 1.8 | ||
| P/tB | 3.29 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.12
EY7.8%
EPS(NY)3.62
Fwd EY9.05%
FCF(TTM)2.94
FCFY7.35%
OCF(TTM)3.13
OCFY7.83%
SpS38.23
BVpS22.27
TBVpS12.17
PEG (NY)1.97
PEG (5Y)0.4
Graham NumberN/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.09% | ||
| ROE | 14.13% | ||
| ROCE | 1.5% | ||
| ROIC | 1.21% | ||
| ROICexc | 1.26% | ||
| ROICexgc | 1.65% | ||
| OM | 11.15% | ||
| PM (TTM) | 8.23% | ||
| GM | N/A | ||
| FCFM | 7.69% |
ROA(3y)1.01%
ROA(5y)0.77%
ROE(3y)12.73%
ROE(5y)9.51%
ROIC(3y)1.23%
ROIC(5y)1.01%
ROICexc(3y)1.28%
ROICexc(5y)1.05%
ROICexgc(3y)1.64%
ROICexgc(5y)1.33%
ROCE(3y)1.52%
ROCE(5y)1.25%
ROICexgc growth 3Y24.61%
ROICexgc growth 5Y6.97%
ROICexc growth 3Y21.16%
ROICexc growth 5Y7.2%
OM growth 3Y23.76%
OM growth 5Y4.76%
PM growth 3Y46.22%
PM growth 5Y36.38%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.13
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.49 | ||
| Debt/FCF | 3.74 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | 0.5% | ||
| Interest Coverage | 1.69 | ||
| Cash Conversion | N/A | ||
| Profit Quality | 93.5% | ||
| Current Ratio | 0.99 | ||
| Quick Ratio | 0.99 | ||
| Altman-Z | 0.34 |
F-Score6
WACC10.29%
ROIC/WACC0.12
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)0.37%
Cap/Sales(5y)0.36%
Profit Quality(3y)112.32%
Profit Quality(5y)257.76%
High Growth Momentum
Growth
EPS 1Y (TTM)15.27%
EPS 3Y35.79%
EPS 5Y32.03%
EPS Q2Q%34.3%
EPS Next Y6.5%
EPS Next 2Y7.56%
EPS Next 3Y10.07%
EPS Next 5Y6.58%
Revenue 1Y (TTM)-15.52%
Revenue growth 3Y-9.14%
Revenue growth 5Y-4.6%
Sales Q2Q%-23.49%
Revenue Next Year-2.14%
Revenue Next 2Y1.08%
Revenue Next 3Y0.89%
Revenue Next 5YN/A
EBIT growth 1Y-4%
EBIT growth 3Y12.44%
EBIT growth 5Y-0.05%
EBIT Next Year19.13%
EBIT Next 3Y10.06%
EBIT Next 5YN/A
FCF growth 1Y-6.97%
FCF growth 3Y-33.47%
FCF growth 5Y-1.8%
OCF growth 1Y-5.64%
OCF growth 3Y-32.45%
OCF growth 5Y-1.79%
AXA NV25 / CSNV.PA FAQ
What is the fundamental rating for CSNV stock?
ChartMill assigns a fundamental rating of 4 / 10 to CSNV.PA.
What is the valuation status of AXA NV25 (CSNV.PA) stock?
ChartMill assigns a valuation rating of 3 / 10 to AXA NV25 (CSNV.PA). This can be considered as Overvalued.
What is the profitability of CSNV stock?
AXA NV25 (CSNV.PA) has a profitability rating of 5 / 10.
What is the financial health of AXA NV25 (CSNV.PA) stock?
The financial health rating of AXA NV25 (CSNV.PA) is 4 / 10.
Can you provide the dividend sustainability for CSNV stock?
The dividend rating of AXA NV25 (CSNV.PA) is 0 / 10 and the dividend payout ratio is 56.37%.