CAIRN HOMES PLC (C5H.I) Stock Fundamental Analysis
DUB:C5H - Euronext Dublin - IE00BWY4ZF18 - Common Stock - Currency: EUR
Taking everything into account, C5H scores 8 out of 10 in our fundamental rating. C5H was compared to 31 industry peers in the Household Durables industry. Both the health and profitability get an excellent rating, making C5H a very profitable company, without any liquidiy or solvency issues. C5H has a correct valuation and a medium growth rate. Finally C5H also has an excellent dividend rating. With these ratings, C5H could be worth investigating further for dividend and quality investing!.
1. Profitability
1.1 Basic Checks
C5H had positive earnings in the past year.
C5H had a positive operating cash flow in the past year.
Each year in the past 5 years C5H has been profitable.
Of the past 5 years C5H 4 years had a positive operating cash flow.
1.2 Ratios
Looking at the Return On Assets, with a value of 10.68%, C5H belongs to the top of the industry, outperforming 93.55% of the companies in the same industry.
Looking at the Return On Equity, with a value of 15.11%, C5H is in the better half of the industry, outperforming 77.42% of the companies in the same industry.
C5H's Return On Invested Capital of 13.73% is amongst the best of the industry. C5H outperforms 80.65% of its industry peers.
The Average Return On Invested Capital over the past 3 years for C5H is significantly below the industry average of 16.96%.
The last Return On Invested Capital (13.73%) for C5H is above the 3 year average (11.22%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 10.68% | ||
| ROE | 15.11% | ||
| ROIC | 13.73% |
ROA(3y)8.93%
ROA(5y)6.46%
ROE(3y)12.39%
ROE(5y)8.88%
ROIC(3y)11.22%
ROIC(5y)8.33%
1.3 Margins
Looking at the Profit Margin, with a value of 13.32%, C5H belongs to the top of the industry, outperforming 93.55% of the companies in the same industry.
C5H's Profit Margin has improved in the last couple of years.
With an excellent Operating Margin value of 17.45%, C5H belongs to the best of the industry, outperforming 93.55% of the companies in the same industry.
In the last couple of years the Operating Margin of C5H has grown nicely.
C5H has a Gross Margin of 21.74%. This is in the lower half of the industry: C5H underperforms 77.42% of its industry peers.
C5H's Gross Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 17.45% | ||
| PM (TTM) | 13.32% | ||
| GM | 21.74% |
OM growth 3Y8.2%
OM growth 5Y2.23%
PM growth 3Y9.36%
PM growth 5Y2.53%
GM growth 3Y3.19%
GM growth 5Y2.1%
2. Health
2.1 Basic Checks
C5H has a Return on Invested Capital (ROIC), which is well above the Cost of Capital (WACC), which means it is creating value.
C5H has less shares outstanding than it did 1 year ago.
Compared to 5 years ago, C5H has less shares outstanding
C5H has a worse debt/assets ratio than last year.
2.2 Solvency
An Altman-Z score of 5.29 indicates that C5H is not in any danger for bankruptcy at the moment.
C5H has a Altman-Z score of 5.29. This is amongst the best in the industry. C5H outperforms 93.55% of its industry peers.
The Debt to FCF ratio of C5H is 1.45, which is an excellent value as it means it would take C5H, only 1.45 years of fcf income to pay off all of its debts.
C5H has a better Debt to FCF ratio (1.45) than 83.87% of its industry peers.
A Debt/Equity ratio of 0.23 indicates that C5H is not too dependend on debt financing.
C5H's Debt to Equity ratio of 0.23 is fine compared to the rest of the industry. C5H outperforms 77.42% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.23 | ||
| Debt/FCF | 1.45 | ||
| Altman-Z | 5.29 |
ROIC/WACC1.81
WACC7.58%
2.3 Liquidity
C5H has a Current Ratio of 7.53. This indicates that C5H is financially healthy and has no problem in meeting its short term obligations.
The Current ratio of C5H (7.53) is better than 96.77% of its industry peers.
A Quick Ratio of 1.31 indicates that C5H should not have too much problems paying its short term obligations.
C5H has a Quick ratio of 1.31. This is amongst the best in the industry. C5H outperforms 80.65% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 7.53 | ||
| Quick Ratio | 1.31 |
3. Growth
3.1 Past
C5H shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 40.71%, which is quite impressive.
The Earnings Per Share has been growing by 20.48% on average over the past years. This is a very strong growth
C5H shows a strong growth in Revenue. In the last year, the Revenue has grown by 28.95%.
The Revenue has been growing by 14.59% on average over the past years. This is quite good.
EPS 1Y (TTM)40.71%
EPS 3Y43.61%
EPS 5Y20.48%
EPS Q2Q%9.87%
Revenue 1Y (TTM)28.95%
Revenue growth 3Y26.58%
Revenue growth 5Y14.59%
Sales Q2Q%10.39%
3.2 Future
Based on estimates for the next years, C5H will show a small growth in Earnings Per Share. The EPS will grow by 6.92% on average per year.
C5H is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 6.20% yearly.
EPS Next Y11.29%
EPS Next 2Y8.7%
EPS Next 3Y6.92%
EPS Next 5YN/A
Revenue Next Year9.97%
Revenue Next 2Y7.78%
Revenue Next 3Y6.2%
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 decreasing.
4. Valuation
4.1 Price/Earnings Ratio
C5H is valuated reasonably with a Price/Earnings ratio of 10.59.
C5H's Price/Earnings is on the same level as the industry average.
Compared to an average S&P500 Price/Earnings ratio of 28.98, C5H is valued rather cheaply.
C5H is valuated reasonably with a Price/Forward Earnings ratio of 9.24.
Compared to the rest of the industry, the Price/Forward Earnings ratio of C5H indicates a somewhat cheap valuation: C5H is cheaper than 61.29% of the companies listed in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 21.38, C5H is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.59 | ||
| Fwd PE | 9.24 |
4.2 Price Multiples
70.97% of the companies in the same industry are cheaper than C5H, based on the Enterprise Value to EBITDA ratio.
Based on the Price/Free Cash Flow ratio, C5H is valued a bit cheaper than the industry average as 70.97% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.15 | ||
| EV/EBITDA | 8.85 |
4.3 Compensation for Growth
C5H's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
C5H has an outstanding profitability rating, which may justify a higher PE ratio.
PEG (NY)0.94
PEG (5Y)0.52
EPS Next 2Y8.7%
EPS Next 3Y6.92%
5. Dividend
5.1 Amount
C5H has a Yearly Dividend Yield of 4.40%, which is a nice return.
C5H's Dividend Yield is a higher than the industry average which is at 5.28.
Compared to an average S&P500 Dividend Yield of 2.46, C5H pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.4% |
5.2 History
The dividend of C5H is nicely growing with an annual growth rate of 23.30%!
Dividend Growth(5Y)23.3%
Div Incr Years3
Div Non Decr Years3
5.3 Sustainability
39.03% of the earnings are spent on dividend by C5H. This is a low number and sustainable payout ratio.
The dividend of C5H is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP39.03%
EPS Next 2Y8.7%
EPS Next 3Y6.92%
DUB:C5H (4/30/2025, 9:37:01 AM)
1.906
+0 (+0.11%)
Chartmill FA Rating
GICS SectorConsumer Discretionary
GICS IndustryGroupConsumer Durables & Apparel
GICS IndustryHousehold Durables
Earnings (Last)
Earnings (Next)
Inst Owners68.67%
Inst Owner ChangeN/A
Ins Owners3.67%
Ins Owner ChangeN/A
Market Cap1.19B
Analysts84
Price Target2.45 (28.54%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.4% |
Yearly Dividend0.07
Dividend Growth(5Y)23.3%
DP39.03%
Div Incr Years3
Div Non Decr Years3
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)-3.68%
PT rev (3m)3.75%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)2.04%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.5%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.59 | ||
| Fwd PE | 9.24 | ||
| P/S | 1.39 | ||
| P/FCF | 9.15 | ||
| P/OCF | 8.85 | ||
| P/B | 1.57 | ||
| P/tB | 1.58 | ||
| EV/EBITDA | 8.85 |
EPS(TTM)0.18
EY9.44%
EPS(NY)0.21
Fwd EY10.83%
FCF(TTM)0.21
FCFY10.92%
OCF(TTM)0.22
OCFY11.29%
SpS1.37
BVpS1.21
TBVpS1.2
PEG (NY)0.94
PEG (5Y)0.52
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 10.68% | ||
| ROE | 15.11% | ||
| ROCE | 16.07% | ||
| ROIC | 13.73% | ||
| ROICexc | 14.15% | ||
| ROICexgc | 14.22% | ||
| OM | 17.45% | ||
| PM (TTM) | 13.32% | ||
| GM | 21.74% | ||
| FCFM | 15.15% |
ROA(3y)8.93%
ROA(5y)6.46%
ROE(3y)12.39%
ROE(5y)8.88%
ROIC(3y)11.22%
ROIC(5y)8.33%
ROICexc(3y)11.53%
ROICexc(5y)8.59%
ROICexgc(3y)11.58%
ROICexgc(5y)8.63%
ROCE(3y)13.13%
ROCE(5y)9.75%
ROICexcg growth 3Y32.35%
ROICexcg growth 5Y16.05%
ROICexc growth 3Y32.21%
ROICexc growth 5Y15.96%
OM growth 3Y8.2%
OM growth 5Y2.23%
PM growth 3Y9.36%
PM growth 5Y2.53%
GM growth 3Y3.19%
GM growth 5Y2.1%
F-Score6
Asset Turnover0.8
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.23 | ||
| Debt/FCF | 1.45 | ||
| Debt/EBITDA | 1.13 | ||
| Cap/Depr | 161.25% | ||
| Cap/Sales | 0.51% | ||
| Interest Coverage | 10.07 | ||
| Cash Conversion | 88.17% | ||
| Profit Quality | 113.69% | ||
| Current Ratio | 7.53 | ||
| Quick Ratio | 1.31 | ||
| Altman-Z | 5.29 |
F-Score6
WACC7.58%
ROIC/WACC1.81
Cap/Depr(3y)261.68%
Cap/Depr(5y)199.51%
Cap/Sales(3y)0.79%
Cap/Sales(5y)0.56%
Profit Quality(3y)113.52%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)40.71%
EPS 3Y43.61%
EPS 5Y20.48%
EPS Q2Q%9.87%
EPS Next Y11.29%
EPS Next 2Y8.7%
EPS Next 3Y6.92%
EPS Next 5YN/A
Revenue 1Y (TTM)28.95%
Revenue growth 3Y26.58%
Revenue growth 5Y14.59%
Sales Q2Q%10.39%
Revenue Next Year9.97%
Revenue Next 2Y7.78%
Revenue Next 3Y6.2%
Revenue Next 5YN/A
EBIT growth 1Y32.29%
EBIT growth 3Y36.95%
EBIT growth 5Y17.14%
EBIT Next Year7.75%
EBIT Next 3Y5.59%
EBIT Next 5YN/A
FCF growth 1Y26.55%
FCF growth 3Y14.39%
FCF growth 5Y5.88%
OCF growth 1Y25.83%
OCF growth 3Y15.01%
OCF growth 5Y6.31%