AXA SA - NV26 (CSNV.PA) Stock Fundamental Analysis
Europe - Euronext Paris - EPA:CSNV - FR0014013Q98 - Common Stock
40 EUR
+0.8 (+2.04%)
Taking everything into account, CSNV scores 4 out of 10 in our fundamental rating. CSNV was compared to 48 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.
1. Profitability
1.1 Basic Checks
- CSNV had positive earnings in the past year.
- CSNV had a positive operating cash flow in the past year.
- CSNV had positive earnings in each of the past 5 years.
- Each year in the past 5 years CSNV had a positive operating cash flow.
1.2 Ratios
- With a Return On Assets value of 1.09%, CSNV perfoms like the industry average, outperforming 44.44% of the companies in the same industry.
- CSNV has a Return On Equity of 14.13%. This is comparable to the rest of the industry: CSNV outperforms 52.78% of its industry peers.
- CSNV has a Return On Invested Capital (1.21%) which is comparable to the rest of the industry.
- The Average Return On Invested Capital over the past 3 years for CSNV is in line with the industry average of 2.70%.
| 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
- The Profit Margin of CSNV (8.23%) is comparable to the rest of the industry.
- CSNV's Profit Margin has improved in the last couple of years.
- CSNV has a Operating Margin (11.15%) which is in line with its industry peers.
- 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
- With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), CSNV is destroying value.
- The number of shares outstanding for CSNV has been increased compared to 1 year ago.
- The debt/assets ratio for CSNV is higher compared to a year ago.
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.
- CSNV has a better Altman-Z score (0.34) 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.
- 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.
- 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's Current ratio of 0.99 is amongst the best of the industry. CSNV outperforms 88.89% of its industry peers.
- 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.
- 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.
- CSNV shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -15.52%.
- 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
- Based on estimates for the next years, CSNV will show a small growth in Earnings Per Share. The EPS will grow by 6.58% on average per year.
- 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.
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.
- 66.67% of the companies in the same industry are more expensive than CSNV, based on the Price/Earnings ratio.
- CSNV is valuated cheaply when we compare the Price/Earnings ratio to 27.32, 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.
- CSNV's Price/Forward Earnings is on the same level as the industry average.
- CSNV is valuated cheaply when we compare the Price/Forward Earnings ratio to 24.30, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.82 | ||
| Fwd PE | 11.05 |
4.2 Price Multiples
- CSNV's Price/Free Cash Flow is on the same level as the industry average.
| 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 an expensive valuation of the company.
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)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 SA - NV26 / 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 for CSNV stock?
ChartMill assigns a valuation rating of 3 / 10 to AXA SA - NV26 (CSNV.PA). This can be considered as Overvalued.
Can you provide the profitability details for AXA SA - NV26?
AXA SA - NV26 (CSNV.PA) has a profitability rating of 5 / 10.
Can you provide the PE and PB ratios for CSNV stock?
The Price/Earnings (PE) ratio for AXA SA - NV26 (CSNV.PA) is 12.82 and the Price/Book (PB) ratio is 1.8.
What is the financial health of AXA SA - NV26 (CSNV.PA) stock?
The financial health rating of AXA SA - NV26 (CSNV.PA) is 4 / 10.