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AXA NV25 (CSNV.PA) Stock Fundamental Analysis

EPA:CSNV - Euronext Paris - Matif - FR001400UEZ6 - Common Stock - Currency: EUR

40  +0.8 (+2.04%)

Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to CSNV. CSNV was compared to 38 industry peers in the Insurance industry. Both the profitability and the financial health of CSNV get a neutral evaluation. Nothing too spectacular is happening here. CSNV has a correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

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5

1. Profitability

1.1 Basic Checks

In the past year CSNV was profitable.
CSNV had a positive operating cash flow in the past year.
Each year in the past 5 years CSNV has been profitable.
CSNV had a positive operating cash flow in each of the past 5 years.
CSNV.PA Yearly Net Income VS EBIT VS OCF VS FCFCSNV.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 5B 10B 15B 20B

1.2 Ratios

CSNV has a Return On Assets (1.09%) which is comparable to the rest of the industry.
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 2.06%.
Industry RankSector 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%
CSNV.PA Yearly ROA, ROE, ROICCSNV.PA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 5 10

1.3 Margins

CSNV's Profit Margin of 8.23% is in line compared to the rest of the industry. CSNV outperforms 47.22% of its industry peers.
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 RankSector 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
CSNV.PA Yearly Profit, Operating, Gross MarginsCSNV.PA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2 4 6 8 10

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4

2. Health

2.1 Basic Checks

The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so CSNV is destroying value.
The number of shares outstanding for CSNV has been increased compared to 1 year ago.
The number of shares outstanding for CSNV has been reduced compared to 5 years ago.
The debt/assets ratio for CSNV is higher compared to a year ago.
CSNV.PA Yearly Shares OutstandingCSNV.PA Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 500M 1B 1.5B 2B
CSNV.PA Yearly Total Debt VS Total AssetsCSNV.PA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 200B 400B 600B 800B

2.2 Solvency

CSNV has an Altman-Z score of 0.34. This is a bad value and indicates that CSNV is not financially healthy and even has some risk of bankruptcy.
With an excellent Altman-Z score value of 0.34, CSNV belongs to the best of the industry, outperforming 83.33% of the companies in the same industry.
The Debt to FCF ratio of CSNV is 3.74, which is a good value as it means it would take CSNV, 3.74 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 3.74, CSNV is in line with its industry, outperforming 44.44% of the companies in the same industry.
CSNV has a Debt/Equity ratio of 0.49. This is a healthy value indicating a solid balance between debt and equity.
CSNV has a better Debt to Equity ratio (0.49) than 72.22% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.49
Debt/FCF 3.74
Altman-Z 0.34
ROIC/WACC0.12
WACC10.29%
CSNV.PA Yearly LT Debt VS Equity VS FCFCSNV.PA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 20B 40B 60B

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.
Looking at the Current ratio, with a value of 0.99, CSNV belongs to the top of the industry, outperforming 88.89% of the companies in the same industry.
CSNV has a Quick 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.
Looking at the Quick ratio, with a value of 0.99, CSNV belongs to the top of the industry, outperforming 88.89% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 0.99
Quick Ratio 0.99
CSNV.PA Yearly Current Assets VS Current LiabilitesCSNV.PA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 10B 20B 30B

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4

3. Growth

3.1 Past

CSNV shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 15.27%, which is quite good.
The Earnings Per Share has been growing by 32.03% on average over the past years. This is a very strong growth
CSNV shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -15.52%.
The Revenue has been decreasing by -4.60% on average over the past years.
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

The Earnings Per Share is expected to grow by 6.58% on average over the next years.
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

The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
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.
CSNV.PA Yearly Revenue VS EstimatesCSNV.PA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 20B 40B 60B 80B 100B
CSNV.PA Yearly EPS VS EstimatesCSNV.PA Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 1 2 3 4

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4

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 12.82, CSNV is valued correctly.
66.67% of the companies in the same industry are more expensive than CSNV, based on the Price/Earnings ratio.
When comparing the Price/Earnings ratio of CSNV to the average of the S&P500 Index (27.30), we can say CSNV is valued rather cheaply.
A Price/Forward Earnings ratio of 11.05 indicates a reasonable valuation of CSNV.
CSNV's Price/Forward Earnings ratio is in line with the industry average.
The average S&P500 Price/Forward Earnings ratio is at 21.76. CSNV is valued slightly cheaper when compared to this.
Industry RankSector Rank
PE 12.82
Fwd PE 11.05
CSNV.PA Price Earnings VS Forward Price EarningsCSNV.PA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30 40

4.2 Price Multiples

The rest of the industry has a similar Price/Free Cash Flow ratio as CSNV.
Industry RankSector Rank
P/FCF 13.6
EV/EBITDA N/A
CSNV.PA Per share dataCSNV.PA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30

4.3 Compensation for Growth

The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
PEG (NY)1.97
PEG (5Y)0.4
EPS Next 2Y7.56%
EPS Next 3Y10.07%

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0

5. Dividend

5.1 Amount

No dividends for CSNV!.
Industry RankSector Rank
Dividend Yield N/A

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AXA NV25

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)N/A N/A
Earnings (Next)N/A N/A
Inst OwnersN/A
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap89.05B
Analysts84.14
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector 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 RankSector 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
Profitability
Industry RankSector 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%
ROICexcg growth 3Y24.61%
ROICexcg 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 RankSector 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%