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CA ATLANTIQUE VENDEE-CCI (CRAV.PA) Stock Fundamental Analysis

EPA:CRAV - Euronext Paris - Matif - FR0000185506 - Common Stock - Currency: EUR

100  0 (0%)

Fundamental Rating

2

Taking everything into account, CRAV scores 2 out of 10 in our fundamental rating. CRAV was compared to 93 industry peers in the Banks industry. Both the profitability and financial health of CRAV have multiple concerns. CRAV is valued expensive and it does not seem to be growing.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

In the past year CRAV was profitable.
In the past year CRAV had a positive cash flow from operations.
Each year in the past 5 years CRAV has been profitable.
The reported operating cash flow has been mixed in the past 5 years: CRAV reported negative operating cash flow in multiple years.
CRAV.PA Yearly Net Income VS EBIT VS OCF VS FCFCRAV.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 1B

1.2 Ratios

The Return On Assets of CRAV (0.26%) is worse than 84.95% of its industry peers.
Looking at the Return On Equity, with a value of 2.10%, CRAV is doing worse than 86.02% of the companies in the same industry.
Industry RankSector Rank
ROA 0.26%
ROE 2.1%
ROIC N/A
ROA(3y)0.37%
ROA(5y)0.36%
ROE(3y)3.08%
ROE(5y)2.9%
ROIC(3y)N/A
ROIC(5y)N/A
CRAV.PA Yearly ROA, ROE, ROICCRAV.PA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 1 2 3 4 5

1.3 Margins

CRAV's Profit Margin of 14.78% is on the low side compared to the rest of the industry. CRAV is outperformed by 72.04% of its industry peers.
In the last couple of years the Profit Margin of CRAV has declined.
The Operating Margin and Gross Margin are not available for CRAV so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 14.78%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y12.99%
PM growth 5Y-8.23%
GM growth 3YN/A
GM growth 5YN/A
CRAV.PA Yearly Profit, Operating, Gross MarginsCRAV.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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2

2. Health

2.1 Basic Checks

CRAV does not have a ROIC to compare to the WACC, probably because it is not profitable.
CRAV has about the same amout of shares outstanding than it did 1 year ago.
CRAV has more shares outstanding than it did 5 years ago.
CRAV has a better debt/assets ratio than last year.
CRAV.PA Yearly Shares OutstandingCRAV.PA Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2M 4M 6M
CRAV.PA Yearly Total Debt VS Total AssetsCRAV.PA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 10B 20B 30B

2.2 Solvency

A Debt/Equity ratio of 0.10 indicates that CRAV is not too dependend on debt financing.
CRAV's Debt to Equity ratio of 0.10 is amongst the best of the industry. CRAV outperforms 90.32% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.1
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC5.79%
CRAV.PA Yearly LT Debt VS Equity VS FCFCRAV.PA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 1B 2B 3B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
CRAV.PA Yearly Current Assets VS Current LiabilitesCRAV.PA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2018 2019 2020 2021 2022 2023 100M 200M 300M 400M 500M

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1

3. Growth

3.1 Past

The earnings per share for CRAV have decreased strongly by -19.59% in the last year.
CRAV shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -6.80% yearly.
CRAV shows a decrease in Revenue. In the last year, the revenue decreased by -2.87%.
The Revenue has been growing slightly by 1.53% on average over the past years.
EPS 1Y (TTM)-19.59%
EPS 3Y18%
EPS 5Y-6.8%
EPS Q2Q%-7.65%
Revenue 1Y (TTM)-2.87%
Revenue growth 3Y4.42%
Revenue growth 5Y1.53%
Sales Q2Q%2.15%

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.
CRAV.PA Yearly Revenue VS EstimatesCRAV.PA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 200M 400M 600M
CRAV.PA Yearly EPS VS EstimatesCRAV.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

CRAV is valuated reasonably with a Price/Earnings ratio of 9.14.
CRAV's Price/Earnings is on the same level as the industry average.
CRAV's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 29.35.
Industry RankSector Rank
PE 9.14
Fwd PE N/A
CRAV.PA Price Earnings VS Forward Price EarningsCRAV.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
CRAV.PA Per share dataCRAV.PA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 1K 2K 3K

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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5. Dividend

5.1 Amount

CRAV has a Yearly Dividend Yield of 3.53%.
Compared to an average industry Dividend Yield of 5.02, CRAV is paying slightly less dividend.
CRAV's Dividend Yield is rather good when compared to the S&P500 average which is at 2.33.
Industry RankSector Rank
Dividend Yield 3.53%

5.2 History

The dividend of CRAV has a limited annual growth rate of 0.59%.
Dividend Growth(5Y)0.59%
Div Incr Years2
Div Non Decr Years2
CRAV.PA Yearly Dividends per shareCRAV.PA Yearly Dividends per shareYearly Dividends per share 2019 2020 2021 2022 2023 2024 2025 1 2 3 4

5.3 Sustainability

DP0%
EPS Next 2YN/A
EPS Next 3YN/A
CRAV.PA Yearly Income VS Free CF VS DividendCRAV.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 1B

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CA ATLANTIQUE VENDEE-CCI

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

100

0 (0%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-16 2025-02-16
Earnings (Next)N/A N/A
Inst Owners4.47%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap122.00M
AnalystsN/A
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 3.53%
Yearly Dividend2.6
Dividend Growth(5Y)0.59%
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 9.14
Fwd PE N/A
P/S 0.22
P/FCF N/A
P/OCF 6.53
P/B 0.03
P/tB 0.03
EV/EBITDA N/A
EPS(TTM)10.94
EY10.94%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)-17.18
FCFYN/A
OCF(TTM)15.3
OCFY15.3%
SpS447.88
BVpS3159.86
TBVpS3155.87
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.26%
ROE 2.1%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 14.78%
GM N/A
FCFM N/A
ROA(3y)0.37%
ROA(5y)0.36%
ROE(3y)3.08%
ROE(5y)2.9%
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 3Y12.99%
PM growth 5Y-8.23%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.02
Health
Industry RankSector Rank
Debt/Equity 0.1
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 185.86%
Cap/Sales 7.25%
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-Score5
WACC5.79%
ROIC/WACCN/A
Cap/Depr(3y)167.15%
Cap/Depr(5y)177.16%
Cap/Sales(3y)5.96%
Cap/Sales(5y)6.16%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-19.59%
EPS 3Y18%
EPS 5Y-6.8%
EPS Q2Q%-7.65%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-2.87%
Revenue growth 3Y4.42%
Revenue growth 5Y1.53%
Sales Q2Q%2.15%
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-103.7%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-96.86%
OCF growth 3YN/A
OCF growth 5YN/A