CSNV Fundamental Analysis - AXA NV25

Fundamental Rating

Overall CSNV gets a fundamental rating of 4 out of 10. We evaluated CSNV against 39 industry peers in the Insurance industry. CSNV has an average financial health and profitability rating. CSNV has a decent growth rate and is not valued too expensively.

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1. Profitability

1.1 Basic Checks

In the past year CSNV was profitable.

In the past year CSNV had a positive cash flow from operations.

Each year in the past 5 years CSNV has been profitable.

Each year in the past 5 years CSNV had a positive operating cash flow.

1.2 Ratios

The Return On Assets of CSNV (1.09%) is comparable to the rest of the industry.

With a Return On Equity value of 14.13%, CSNV perfoms like the industry average, outperforming 52.78% of the companies in the same industry.

Looking at the Return On Invested Capital, with a value of 1.21%, CSNV is in line with its industry, outperforming 47.22% of the companies in the same industry.

Measured over the past 3 years, the Average Return On Invested Capital for CSNV is in line with the industry average of 2.36%.

		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

CSNV has a Profit Margin (8.23%) which is in line with its industry peers.

CSNV's Profit Margin has improved in the last couple of years.

CSNV has a Operating Margin of 11.15%. This is comparable to the rest of the industry: CSNV outperforms 44.44% of its industry peers.

In the last couple of years the Operating Margin of CSNV has grown nicely.

		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

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ROA

ROE

ROIC

Operating and Profit Margin

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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.

The debt/assets ratio for CSNV is higher compared to a year ago.

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.

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.

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.

CSNV has a Debt/Equity ratio of 0.49. This is a healthy value indicating a solid balance between debt and equity.

With a decent Debt to Equity ratio value of 0.49, CSNV is doing good in the industry, outperforming 72.22% of the companies in the same industry.

		Industry Rank	Sector Rank
Debt/Equity	0.49
Debt/FCF	3.74
Altman-Z	0.34

ROIC/WACC0.12

WACC10.29%

2.3 Liquidity

A Current Ratio of 0.99 indicates that CSNV may have some problems paying 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.

A Quick Ratio of 0.99 indicates that CSNV may have some problems paying its short term obligations.

With an excellent Quick ratio value of 0.99, CSNV belongs to the best of the industry, outperforming 88.89% of the companies in the same industry.

		Industry Rank	Sector Rank
Current Ratio	0.99
Quick Ratio	0.99

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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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.

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

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.

The Revenue is expected to grow by 0.89% on average over the next years.

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.

The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 12.82, the valuation of CSNV can be described as correct.

CSNV's Price/Earnings ratio is a bit cheaper when compared to the industry. CSNV is cheaper than 66.67% of the companies in the same industry.

CSNV is valuated cheaply when we compare the Price/Earnings ratio to 27.57, which is the current average of the S&P500 Index.

Based on the Price/Forward Earnings ratio of 11.05, the valuation of CSNV can be described as reasonable.

Compared to the rest of the industry, the Price/Forward Earnings ratio of CSNV is on the same level as its industry peers.

CSNV's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.09.

		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%

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5. Dividend

5.1 Amount

No dividends for CSNV!.

		Industry Rank	Sector Rank
Dividend Yield	N/A

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AXA NV25

EPA:CSNV (5/2/2025, 7:00:00 PM)

+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

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) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

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2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

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4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

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5. Dividend

5.1 Amount

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