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CA ILLE ET VILAINE-CCI (CIV.PA) Stock Fundamental Analysis

EPA:CIV - Euronext Paris - Matif - FR0000045213 - Common Stock - Currency: EUR

80.4  +0.35 (+0.44%)

Fundamental Rating

3

Overall CIV gets a fundamental rating of 3 out of 10. We evaluated CIV against 93 industry peers in the Banks industry. While CIV seems to be doing ok healthwise, there are quite some concerns on its profitability. CIV has a expensive valuation and it also scores bad on growth.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

In the past year CIV was profitable.
In the past year CIV has reported a negative cash flow from operations.
In the past 5 years CIV has always been profitable.
The reported operating cash flow has been mixed in the past 5 years: CIV reported negative operating cash flow in multiple years.
CIV.PA Yearly Net Income VS EBIT VS OCF VS FCFCIV.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 0 500M -500M

1.2 Ratios

CIV has a worse Return On Assets (0.37%) than 78.49% of its industry peers.
CIV's Return On Equity of 3.20% is on the low side compared to the rest of the industry. CIV is outperformed by 78.49% of its industry peers.
Industry RankSector Rank
ROA 0.37%
ROE 3.2%
ROIC N/A
ROA(3y)0.34%
ROA(5y)0.32%
ROE(3y)3.06%
ROE(5y)2.72%
ROIC(3y)N/A
ROIC(5y)N/A
CIV.PA Yearly ROA, ROE, ROICCIV.PA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2 4 6

1.3 Margins

With a Profit Margin value of 21.30%, CIV perfoms like the industry average, outperforming 48.39% of the companies in the same industry.
In the last couple of years the Profit Margin of CIV has declined.
The Operating Margin and Gross Margin are not available for CIV so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 21.3%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y30.93%
PM growth 5Y-4.78%
GM growth 3YN/A
GM growth 5YN/A
CIV.PA Yearly Profit, Operating, Gross MarginsCIV.PA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 5 10 15 20 25

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4

2. Health

2.1 Basic Checks

CIV does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, CIV has about the same amount of shares outstanding.
The number of shares outstanding for CIV has been increased compared to 5 years ago.
CIV has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
CIV.PA Yearly Shares OutstandingCIV.PA Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2M 4M 6M
CIV.PA Yearly Total Debt VS Total AssetsCIV.PA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 5B 10B 15B 20B

2.2 Solvency

CIV has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC7.96%
CIV.PA Yearly LT Debt VS Equity VS FCFCIV.PA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 500M -500M 1B 1.5B 2B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
CIV.PA Yearly Current Assets VS Current LiabilitesCIV.PA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 200M 400M 600M 800M 1B

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2

3. Growth

3.1 Past

The Earnings Per Share has grown by an nice 17.81% over the past year.
Measured over the past years, CIV shows a decrease in Earnings Per Share. The EPS has been decreasing by -0.30% on average per year.
The Revenue has been growing slightly by 0.72% in the past year.
The Revenue has been growing slightly by 4.46% on average over the past years.
EPS 1Y (TTM)17.81%
EPS 3Y43.47%
EPS 5Y-0.3%
EPS Q2Q%34.55%
Revenue 1Y (TTM)0.72%
Revenue growth 3Y9.07%
Revenue growth 5Y4.46%
Sales Q2Q%6.08%

3.2 Future

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
CIV.PA Yearly Revenue VS EstimatesCIV.PA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 100M 200M 300M
CIV.PA Yearly EPS VS EstimatesCIV.PA Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023

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2

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 6.50 indicates a rather cheap valuation of CIV.
Based on the Price/Earnings ratio, CIV is valued cheaper than 87.10% of the companies in the same industry.
CIV is valuated cheaply when we compare the Price/Earnings ratio to 29.35, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 6.5
Fwd PE N/A
CIV.PA Price Earnings VS Forward Price EarningsCIV.PA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
CIV.PA Per share dataCIV.PA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 200 400 600 800 1K

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A

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2

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 3.34%, CIV has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 5.02, CIV is paying slightly less dividend.
Compared to an average S&P500 Dividend Yield of 2.33, CIV pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 3.34%

5.2 History

The dividend of CIV decreases each year by -3.75%.
Dividend Growth(5Y)-3.75%
Div Incr Years2
Div Non Decr Years2
CIV.PA Yearly Dividends per shareCIV.PA Yearly Dividends per shareYearly Dividends per share 2019 2021 2022 2023 2024 2025 1 2 3

5.3 Sustainability

CIV's earnings and Dividend Rate are declining. This means the current dividend is most likely not sustainable.
DP0%
EPS Next 2YN/A
EPS Next 3YN/A
CIV.PA Yearly Income VS Free CF VS DividendCIV.PA Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 500M -500M

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CA ILLE ET VILAINE-CCI

EPA:CIV (3/7/2025, 7:00:00 PM)

80.4

+0.35 (+0.44%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-08 2025-02-08
Earnings (Next)05-03 2025-05-03
Inst Owners2.97%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap180.10M
AnalystsN/A
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 3.34%
Yearly Dividend1.73
Dividend Growth(5Y)-3.75%
DP0%
Div Incr Years2
Div Non Decr Years2
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)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 6.5
Fwd PE N/A
P/S 0.51
P/FCF N/A
P/OCF N/A
P/B 0.08
P/tB 0.08
EV/EBITDA N/A
EPS(TTM)12.37
EY15.39%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)-113.46
FCFYN/A
OCF(TTM)-110.75
OCFYN/A
SpS156.37
BVpS1041.67
TBVpS1041.67
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.37%
ROE 3.2%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 21.3%
GM N/A
FCFM N/A
ROA(3y)0.34%
ROA(5y)0.32%
ROE(3y)3.06%
ROE(5y)2.72%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y30.93%
PM growth 5Y-4.78%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.02
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 63.97%
Cap/Sales 1.73%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC7.96%
ROIC/WACCN/A
Cap/Depr(3y)82.07%
Cap/Depr(5y)85.44%
Cap/Sales(3y)2.33%
Cap/Sales(5y)3%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)17.81%
EPS 3Y43.47%
EPS 5Y-0.3%
EPS Q2Q%34.55%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)0.72%
Revenue growth 3Y9.07%
Revenue growth 5Y4.46%
Sales Q2Q%6.08%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-228.66%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-219.3%
OCF growth 3YN/A
OCF growth 5YN/A