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CA TOURAINE POITOU-CCI (CRTO.PA) Stock Fundamental Analysis

EPA:CRTO - Euronext Paris - Matif - FR0000045304 - Common Stock - Currency: EUR

89.5  0 (0%)

Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to CRTO. CRTO was compared to 93 industry peers in the Banks industry. While CRTO seems to be doing ok healthwise, there are quite some concerns on its profitability. CRTO is valued correctly, but it does not seem to be growing.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

In the past year CRTO was profitable.
In the past year CRTO had a positive cash flow from operations.
Each year in the past 5 years CRTO has been profitable.
In multiple years CRTO reported negative operating cash flow during the last 5 years.
CRTO.PA Yearly Net Income VS EBIT VS OCF VS FCFCRTO.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

With a Return On Assets value of 0.66%, CRTO perfoms like the industry average, outperforming 47.31% of the companies in the same industry.
CRTO has a Return On Equity of 4.07%. This is in the lower half of the industry: CRTO underperforms 72.04% of its industry peers.
Industry RankSector Rank
ROA 0.66%
ROE 4.07%
ROIC N/A
ROA(3y)0.55%
ROA(5y)0.51%
ROE(3y)3.64%
ROE(5y)3.31%
ROIC(3y)N/A
ROIC(5y)N/A
CRTO.PA Yearly ROA, ROE, ROICCRTO.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

CRTO has a Profit Margin of 28.33%. This is in the better half of the industry: CRTO outperforms 76.34% of its industry peers.
In the last couple of years the Profit Margin of CRTO has grown nicely.
CRTO does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 28.33%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y23.35%
PM growth 5Y2.66%
GM growth 3YN/A
GM growth 5YN/A
CRTO.PA Yearly Profit, Operating, Gross MarginsCRTO.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

CRTO does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, CRTO has about the same amount of shares outstanding.
The number of shares outstanding for CRTO has been increased compared to 5 years ago.
CRTO has a better debt/assets ratio than last year.
CRTO.PA Yearly Shares OutstandingCRTO.PA Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2M 4M 6M
CRTO.PA Yearly Total Debt VS Total AssetsCRTO.PA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 5B 10B 15B

2.2 Solvency

CRTO has a debt to FCF ratio of 0.47. This is a very positive value and a sign of high solvency as it would only need 0.47 years to pay back of all of its debts.
With an excellent Debt to FCF ratio value of 0.47, CRTO belongs to the best of the industry, outperforming 100.00% of the companies in the same industry.
CRTO has a Debt/Equity ratio of 0.03. This is a healthy value indicating a solid balance between debt and equity.
CRTO has a Debt to Equity ratio of 0.03. This is amongst the best in the industry. CRTO outperforms 94.62% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.03
Debt/FCF 0.47
Altman-Z N/A
ROIC/WACCN/A
WACC6.49%
CRTO.PA Yearly LT Debt VS Equity VS FCFCRTO.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

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
CRTO.PA Yearly Current Assets VS Current LiabilitesCRTO.PA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 100M 200M 300M 400M 500M

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2

3. Growth

3.1 Past

The Earnings Per Share has grown by an nice 9.56% over the past year.
The Earnings Per Share has been growing slightly by 3.00% on average over the past years.
CRTO shows a small growth in Revenue. In the last year, the Revenue has grown by 6.17%.
Measured over the past years, CRTO shows a small growth in Revenue. The Revenue has been growing by 4.16% on average per year.
EPS 1Y (TTM)9.56%
EPS 3Y26.64%
EPS 5Y3%
EPS Q2Q%-0.38%
Revenue 1Y (TTM)6.17%
Revenue growth 3Y9.25%
Revenue growth 5Y4.16%
Sales Q2Q%2.1%

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.
CRTO.PA Yearly Revenue VS EstimatesCRTO.PA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 100M 200M 300M
CRTO.PA Yearly EPS VS EstimatesCRTO.PA Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023

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4

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 5.03, which indicates a rather cheap valuation of CRTO.
Based on the Price/Earnings ratio, CRTO is valued cheaper than 93.55% of the companies in the same industry.
CRTO'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 5.03
Fwd PE N/A
CRTO.PA Price Earnings VS Forward Price EarningsCRTO.PA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

100.00% of the companies in the same industry are more expensive than CRTO, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 0.48
EV/EBITDA N/A
CRTO.PA Per share dataCRTO.PA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 500 1K 1.5K 2K 2.5K

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)1.68
EPS Next 2YN/A
EPS Next 3YN/A

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4

5. Dividend

5.1 Amount

CRTO has a Yearly Dividend Yield of 3.56%.
CRTO's Dividend Yield is slightly below the industry average, which is at 5.02.
Compared to an average S&P500 Dividend Yield of 2.33, CRTO pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.56%

5.2 History

The dividend of CRTO has a limited annual growth rate of 0.41%.
Dividend Growth(5Y)0.41%
Div Incr Years2
Div Non Decr Years2
CRTO.PA Yearly Dividends per shareCRTO.PA Yearly Dividends per shareYearly Dividends per share 2019 2020 2021 2022 2023 2024 2025 1 2 3

5.3 Sustainability

The dividend of CRTO is growing, but earnings are growing more, so the dividend growth is sustainable.
DP0%
EPS Next 2YN/A
EPS Next 3YN/A
CRTO.PA Yearly Income VS Free CF VS DividendCRTO.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 TOURAINE POITOU-CCI

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

89.5

0 (0%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-30 2025-01-30
Earnings (Next)07-30 2025-07-30
Inst Owners4.19%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap92.19M
AnalystsN/A
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 3.56%
Yearly Dividend1.93
Dividend Growth(5Y)0.41%
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 5.03
Fwd PE N/A
P/S 0.23
P/FCF 0.48
P/OCF 0.44
P/B 0.03
P/tB 0.03
EV/EBITDA N/A
EPS(TTM)17.79
EY19.88%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)187.67
FCFY209.69%
OCF(TTM)203.52
OCFY227.4%
SpS382.04
BVpS2659.13
TBVpS2652.29
PEG (NY)N/A
PEG (5Y)1.68
Profitability
Industry RankSector Rank
ROA 0.66%
ROE 4.07%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 28.33%
GM N/A
FCFM 49.12%
ROA(3y)0.55%
ROA(5y)0.51%
ROE(3y)3.64%
ROE(5y)3.31%
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 3Y23.35%
PM growth 5Y2.66%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.02
Health
Industry RankSector Rank
Debt/Equity 0.03
Debt/FCF 0.47
Debt/EBITDA N/A
Cap/Depr 155.25%
Cap/Sales 4.15%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 173.39%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC6.49%
ROIC/WACCN/A
Cap/Depr(3y)95.9%
Cap/Depr(5y)83.63%
Cap/Sales(3y)2.58%
Cap/Sales(5y)2.24%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)9.56%
EPS 3Y26.64%
EPS 5Y3%
EPS Q2Q%-0.38%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)6.17%
Revenue growth 3Y9.25%
Revenue growth 5Y4.16%
Sales Q2Q%2.1%
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 1Y250.49%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y274.52%
OCF growth 3YN/A
OCF growth 5YN/A