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CTAC NV (CTAC.AS) Stock Fundamental Analysis

AMS:CTAC - Euronext Amsterdam - NL0000345577 - Common Stock - Currency: EUR

3.59  +0.11 (+3.16%)

Fundamental Rating

4

Taking everything into account, CTAC scores 4 out of 10 in our fundamental rating. CTAC was compared to 72 industry peers in the IT Services industry. Both the profitability and the financial health of CTAC get a neutral evaluation. Nothing too spectacular is happening here. CTAC is not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

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4

1. Profitability

1.1 Basic Checks

In the past year CTAC was profitable.
CTAC had a positive operating cash flow in the past year.
CTAC had positive earnings in each of the past 5 years.
Each year in the past 5 years CTAC had a positive operating cash flow.
CTAC.AS Yearly Net Income VS EBIT VS OCF VS FCFCTAC.AS 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 5M 10M 15M

1.2 Ratios

The Return On Assets of CTAC (1.35%) is comparable to the rest of the industry.
With a Return On Equity value of 3.23%, CTAC is not doing good in the industry: 61.11% of the companies in the same industry are doing better.
The Return On Invested Capital of CTAC (6.93%) is comparable to the rest of the industry.
Measured over the past 3 years, the Average Return On Invested Capital for CTAC is below the industry average of 11.13%.
Industry RankSector Rank
ROA 1.35%
ROE 3.23%
ROIC 6.93%
ROA(3y)4.54%
ROA(5y)4.22%
ROE(3y)12.11%
ROE(5y)11.26%
ROIC(3y)8.2%
ROIC(5y)7.33%
CTAC.AS Yearly ROA, ROE, ROICCTAC.AS Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 5 10 15

1.3 Margins

The Profit Margin of CTAC (0.73%) is comparable to the rest of the industry.
In the last couple of years the Profit Margin of CTAC has declined.
With a Operating Margin value of 3.68%, CTAC is not doing good in the industry: 61.11% of the companies in the same industry are doing better.
CTAC's Operating Margin has improved in the last couple of years.
CTAC's Gross Margin of 56.49% is in line compared to the rest of the industry. CTAC outperforms 43.06% of its industry peers.
CTAC's Gross Margin has declined in the last couple of years.
Industry RankSector Rank
OM 3.68%
PM (TTM) 0.73%
GM 56.49%
OM growth 3Y-11.2%
OM growth 5Y6.06%
PM growth 3Y-40.07%
PM growth 5Y-18.4%
GM growth 3Y-5.02%
GM growth 5Y-3.21%
CTAC.AS Yearly Profit, Operating, Gross MarginsCTAC.AS Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 20 40 60

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5

2. Health

2.1 Basic Checks

The Return on Invested Capital (ROIC) is just above the Cost of Capital (WACC), so CTAC is still creating some value.
Compared to 1 year ago, CTAC has more shares outstanding
The number of shares outstanding for CTAC has been increased compared to 5 years ago.
The debt/assets ratio for CTAC has been reduced compared to a year ago.
CTAC.AS Yearly Shares OutstandingCTAC.AS Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 5M 10M
CTAC.AS Yearly Total Debt VS Total AssetsCTAC.AS Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 20M 40M 60M

2.2 Solvency

An Altman-Z score of 3.07 indicates that CTAC is not in any danger for bankruptcy at the moment.
CTAC's Altman-Z score of 3.07 is fine compared to the rest of the industry. CTAC outperforms 68.06% of its industry peers.
The Debt to FCF ratio of CTAC is 1.48, which is an excellent value as it means it would take CTAC, only 1.48 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of CTAC (1.48) is better than 80.56% of its industry peers.
A Debt/Equity ratio of 0.24 indicates that CTAC is not too dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.24, CTAC is in the better half of the industry, outperforming 68.06% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.24
Debt/FCF 1.48
Altman-Z 3.07
ROIC/WACC1.1
WACC6.31%
CTAC.AS Yearly LT Debt VS Equity VS FCFCTAC.AS Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 5M 10M 15M 20M 25M

2.3 Liquidity

CTAC has a Current Ratio of 0.96. This is a bad value and indicates that CTAC is not financially healthy enough and could expect problems in meeting its short term obligations.
CTAC's Current ratio of 0.96 is on the low side compared to the rest of the industry. CTAC is outperformed by 69.44% of its industry peers.
A Quick Ratio of 0.95 indicates that CTAC may have some problems paying its short term obligations.
Looking at the Quick ratio, with a value of 0.95, CTAC is doing worse than 66.67% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 0.96
Quick Ratio 0.95
CTAC.AS Yearly Current Assets VS Current LiabilitesCTAC.AS Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 10M 20M 30M

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4

3. Growth

3.1 Past

CTAC shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -77.82%.
Measured over the past years, CTAC shows a very negative growth in Earnings Per Share. The EPS has been decreasing by -11.20% on average per year.
The Revenue has decreased by -1.36% in the past year.
Measured over the past years, CTAC shows a quite strong growth in Revenue. The Revenue has been growing by 8.92% on average per year.
EPS 1Y (TTM)-77.82%
EPS 3Y-32.52%
EPS 5Y-11.2%
EPS Q2Q%-4.35%
Revenue 1Y (TTM)-1.36%
Revenue growth 3Y13.37%
Revenue growth 5Y8.92%
Sales Q2Q%-4.65%

3.2 Future

The Earnings Per Share is expected to grow by 17.01% on average over the next years. This is quite good.
The Revenue is expected to grow by 5.52% on average over the next years.
EPS Next Y-5.34%
EPS Next 2Y15.75%
EPS Next 3Y17.01%
EPS Next 5YN/A
Revenue Next Year-5.41%
Revenue Next 2Y0.72%
Revenue Next 3Y2.21%
Revenue Next 5Y5.52%

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 accelerating.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
CTAC.AS Yearly Revenue VS EstimatesCTAC.AS Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2016 2018 2020 2022 2024 2026 2028 2030 2032 50M 100M 150M
CTAC.AS Yearly EPS VS EstimatesCTAC.AS Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2016 2018 2020 2022 2024 2026 2028 2030 2032 0.1 0.2 0.3 0.4 0.5

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4

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 59.83, which means the current valuation is very expensive for CTAC.
61.11% of the companies in the same industry are cheaper than CTAC, based on the Price/Earnings ratio.
The average S&P500 Price/Earnings ratio is at 29.07. CTAC is valued rather expensively when compared to this.
CTAC is valuated cheaply with a Price/Forward Earnings ratio of 7.65.
CTAC's Price/Forward Earnings ratio is rather cheap when compared to the industry. CTAC is cheaper than 91.67% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of CTAC to the average of the S&P500 Index (22.05), we can say CTAC is valued rather cheaply.
Industry RankSector Rank
PE 59.83
Fwd PE 7.65
CTAC.AS Price Earnings VS Forward Price EarningsCTAC.AS Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30 40 50

4.2 Price Multiples

Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of CTAC indicates a somewhat cheap valuation: CTAC is cheaper than 77.78% of the companies listed in the same industry.
76.39% of the companies in the same industry are more expensive than CTAC, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 8.12
EV/EBITDA 5.82
CTAC.AS Per share dataCTAC.AS EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6 8

4.3 Compensation for Growth

CTAC's earnings are expected to grow with 17.01% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y15.75%
EPS Next 3Y17.01%

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5

5. Dividend

5.1 Amount

CTAC has a Yearly Dividend Yield of 3.20%. Purely for dividend investing, there may be better candidates out there.
CTAC's Dividend Yield is a higher than the industry average which is at 4.21.
CTAC's Dividend Yield is a higher than the S&P500 average which is at 2.39.
Industry RankSector Rank
Dividend Yield 3.2%

5.2 History

The dividend of CTAC is nicely growing with an annual growth rate of 9.23%!
Dividend Growth(5Y)9.23%
Div Incr Years2
Div Non Decr Years5
CTAC.AS Yearly Dividends per shareCTAC.AS Yearly Dividends per shareYearly Dividends per share 2018 2019 2020 2021 2022 2023 2024 2025 0.02 0.04 0.06 0.08 0.1

5.3 Sustainability

171.18% of the earnings are spent on dividend by CTAC. This is not a sustainable payout ratio.
CTAC's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP171.18%
EPS Next 2Y15.75%
EPS Next 3Y17.01%
CTAC.AS Yearly Income VS Free CF VS DividendCTAC.AS Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 5M 10M
CTAC.AS Dividend Payout.CTAC.AS Dividend Payout, showing the Payout Ratio.CTAC.AS Dividend Payout.PayoutRetained Earnings

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CTAC NV

AMS:CTAC (3/26/2025, 3:48:15 PM)

3.59

+0.11 (+3.16%)

Chartmill FA Rating
GICS SectorInformation Technology
GICS IndustryGroupSoftware & Services
GICS IndustryIT Services
Earnings (Last)N/A N/A
Earnings (Next)N/A N/A
Inst Owners9.27%
Inst Owner ChangeN/A
Ins Owners22.27%
Ins Owner ChangeN/A
Market Cap50.80M
Analysts85
Price Target3.83 (6.69%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 3.2%
Yearly Dividend0.06
Dividend Growth(5Y)9.23%
DP171.18%
Div Incr Years2
Div Non Decr Years5
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)-12.79%
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)-4.98%
Revenue NY rev (3m)-12.98%
Valuation
Industry RankSector Rank
PE 59.83
Fwd PE 7.65
P/S 0.41
P/FCF 8.12
P/OCF 6.53
P/B 1.8
P/tB 29.55
EV/EBITDA 5.82
EPS(TTM)0.06
EY1.67%
EPS(NY)0.47
Fwd EY13.07%
FCF(TTM)0.44
FCFY12.32%
OCF(TTM)0.55
OCFY15.31%
SpS8.78
BVpS1.99
TBVpS0.12
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 1.35%
ROE 3.23%
ROCE 12.57%
ROIC 6.93%
ROICexc 7.42%
ROICexgc 33.43%
OM 3.68%
PM (TTM) 0.73%
GM 56.49%
FCFM 5.04%
ROA(3y)4.54%
ROA(5y)4.22%
ROE(3y)12.11%
ROE(5y)11.26%
ROIC(3y)8.2%
ROIC(5y)7.33%
ROICexc(3y)10.43%
ROICexc(5y)9.33%
ROICexgc(3y)115.51%
ROICexgc(5y)96.92%
ROCE(3y)15.25%
ROCE(5y)13.62%
ROICexcg growth 3Y-7.66%
ROICexcg growth 5Y7.54%
ROICexc growth 3Y-3.42%
ROICexc growth 5Y6.27%
OM growth 3Y-11.2%
OM growth 5Y6.06%
PM growth 3Y-40.07%
PM growth 5Y-18.4%
GM growth 3Y-5.02%
GM growth 5Y-3.21%
F-Score5
Asset Turnover1.84
Health
Industry RankSector Rank
Debt/Equity 0.24
Debt/FCF 1.48
Debt/EBITDA 0.7
Cap/Depr 29.93%
Cap/Sales 1.22%
Interest Coverage 10.94
Cash Conversion 80.67%
Profit Quality 688.56%
Current Ratio 0.96
Quick Ratio 0.95
Altman-Z 3.07
F-Score5
WACC6.31%
ROIC/WACC1.1
Cap/Depr(3y)24.57%
Cap/Depr(5y)22.66%
Cap/Sales(3y)1.1%
Cap/Sales(5y)1.17%
Profit Quality(3y)407.05%
Profit Quality(5y)446.86%
High Growth Momentum
Growth
EPS 1Y (TTM)-77.82%
EPS 3Y-32.52%
EPS 5Y-11.2%
EPS Q2Q%-4.35%
EPS Next Y-5.34%
EPS Next 2Y15.75%
EPS Next 3Y17.01%
EPS Next 5YN/A
Revenue 1Y (TTM)-1.36%
Revenue growth 3Y13.37%
Revenue growth 5Y8.92%
Sales Q2Q%-4.65%
Revenue Next Year-5.41%
Revenue Next 2Y0.72%
Revenue Next 3Y2.21%
Revenue Next 5Y5.52%
EBIT growth 1Y-26.4%
EBIT growth 3Y0.68%
EBIT growth 5Y15.52%
EBIT Next Year37.61%
EBIT Next 3Y27.33%
EBIT Next 5YN/A
FCF growth 1Y39.8%
FCF growth 3Y-14.6%
FCF growth 5Y22.16%
OCF growth 1Y43.71%
OCF growth 3Y-10.97%
OCF growth 5Y14.71%