CSNV Fundamental Analysis - AXA NV25

Fundamental Rating

CSNV gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 43 industry peers in the Insurance industry. CSNV has an average financial health and profitability rating. CSNV has a correct valuation and a medium growth rate.

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1. Profitability

1.1 Basic Checks

In the past year CSNV was profitable.

CSNV had a positive operating cash flow in the past year.

In the past 5 years CSNV has always been profitable.

Each year in the past 5 years CSNV had a positive operating cash flow.

1.2 Ratios

Looking at the Return On Assets, with a value of 1.09%, CSNV is in line with its industry, outperforming 44.44% of the companies in the same industry.

CSNV has a Return On Equity of 14.13%. This is comparable to the rest of the industry: CSNV outperforms 52.78% of its industry peers.

The Return On Invested Capital of CSNV (1.21%) is comparable to the rest of the industry.

The Average Return On Invested Capital over the past 3 years for CSNV is in line with the industry average of 2.26%.

		Industry Rank	Sector Rank
ROA	1.09%
ROE	14.13%
ROIC	1.21%

ROA(3y)1.01%

ROA(5y)0.77%

ROE(3y)12.73%

ROE(5y)9.51%

ROIC(3y)1.23%

ROIC(5y)1.01%

1.3 Margins

CSNV has a Profit Margin (8.23%) which is comparable to the rest of the industry.

In the last couple of years the Profit Margin of CSNV has grown nicely.

Looking at the Operating Margin, with a value of 11.15%, CSNV is in line with its industry, outperforming 44.44% of the companies in the same industry.

CSNV's Operating Margin has improved in the last couple of years.

		Industry Rank	Sector Rank
OM	11.15%
PM (TTM)	8.23%
GM	N/A

OM growth 3Y23.76%

OM growth 5Y4.76%

PM growth 3Y46.22%

PM growth 5Y36.38%

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), CSNV is destroying value.

CSNV has more shares outstanding than it did 1 year ago.

Compared to 5 years ago, CSNV has less shares outstanding

The debt/assets ratio for CSNV is higher compared to a year ago.

2.2 Solvency

CSNV has an Altman-Z score of 0.34. This is a bad value and indicates that CSNV is not financially healthy and even has some risk of bankruptcy.

CSNV's Altman-Z score of 0.34 is amongst the best of the industry. CSNV outperforms 83.33% of its industry peers.

The Debt to FCF ratio of CSNV is 3.74, which is a good value as it means it would take CSNV, 3.74 years of fcf income to pay off all of its debts.

With a Debt to FCF ratio value of 3.74, CSNV perfoms like the industry average, outperforming 44.44% of the companies in the same industry.

A Debt/Equity ratio of 0.49 indicates that CSNV is not too dependend on debt financing.

The Debt to Equity ratio of CSNV (0.49) is better than 72.22% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.49
Debt/FCF	3.74
Altman-Z	0.34

ROIC/WACC0.12

WACC10.29%

2.3 Liquidity

A Current Ratio of 0.99 indicates that CSNV may have some problems paying its short term obligations.

CSNV has a better Current ratio (0.99) than 88.89% of its industry peers.

A Quick Ratio of 0.99 indicates that CSNV may have some problems paying its short term obligations.

CSNV has a better Quick ratio (0.99) than 88.89% of its industry peers.

		Industry Rank	Sector Rank
Current Ratio	0.99
Quick Ratio	0.99

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WACC

Debt/Equity

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Altman-Z score

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3. Growth

3.1 Past

The Earnings Per Share has grown by an nice 15.27% over the past year.

CSNV shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 32.03% yearly.

Looking at the last year, CSNV shows a very negative growth in Revenue. The Revenue has decreased by -15.52% in the last year.

CSNV shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -4.60% yearly.

EPS 1Y (TTM)15.27%

EPS 3Y35.79%

EPS 5Y32.03%

EPS Q2Q%34.3%

Revenue 1Y (TTM)-15.52%

Revenue growth 3Y-9.14%

Revenue growth 5Y-4.6%

Sales Q2Q%-23.49%

3.2 Future

Based on estimates for the next years, CSNV will show a small growth in Earnings Per Share. The EPS will grow by 6.58% on average per year.

The Revenue is expected to grow by 0.89% on average over the next years.

EPS Next Y6.5%

EPS Next 2Y7.56%

EPS Next 3Y10.07%

EPS Next 5Y6.58%

Revenue Next Year-2.14%

Revenue Next 2Y1.08%

Revenue Next 3Y0.89%

Revenue Next 5YN/A

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 decreasing.

When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 12.82, which indicates a correct valuation of CSNV.

Compared to the rest of the industry, the Price/Earnings ratio of CSNV indicates a somewhat cheap valuation: CSNV is cheaper than 66.67% of the companies listed in the same industry.

When comparing the Price/Earnings ratio of CSNV to the average of the S&P500 Index (27.27), we can say CSNV is valued rather cheaply.

The Price/Forward Earnings ratio is 11.05, which indicates a very decent valuation of CSNV.

CSNV's Price/Forward Earnings ratio is in line with the industry average.

Compared to an average S&P500 Price/Forward Earnings ratio of 22.77, CSNV is valued rather cheaply.

		Industry Rank	Sector Rank
PE	12.82
Fwd PE	11.05

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of CSNV is on the same level as its industry peers.

		Industry Rank	Sector Rank
P/FCF	13.6
EV/EBITDA	N/A

4.3 Compensation for Growth

The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates CSNV does not grow enough to justify the current Price/Earnings ratio.

PEG (NY)1.97

PEG (5Y)0.4

EPS Next 2Y7.56%

EPS Next 3Y10.07%

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5. Dividend

5.1 Amount

CSNV does not give a dividend.

		Industry Rank	Sector Rank
Dividend Yield	N/A

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AXA NV25

EPA:CSNV (5/2/2025, 7:00:00 PM)

+0.8 (+2.04%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupInsurance

GICS IndustryInsurance

Earnings (Last)N/A N/A

Earnings (Next)N/A N/A

Inst OwnersN/A

Inst Owner ChangeN/A

Ins OwnersN/A

Ins Owner ChangeN/A

Market Cap89.05B

Analysts84.14

Price TargetN/A

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	N/A

Yearly DividendN/A

Dividend Growth(5Y)N/A

DP56.37%

Div Incr Years0

Div Non Decr Years0

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)0%

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)0%

Revenue NY rev (3m)0%

Valuation

		Industry Rank	Sector Rank
PE	12.82
Fwd PE	11.05
P/S	1.05
P/FCF	13.6
P/OCF	12.76
P/B	1.8
P/tB	3.29
EV/EBITDA	N/A

EPS(TTM)3.12

EY7.8%

EPS(NY)3.62

Fwd EY9.05%

FCF(TTM)2.94

FCFY7.35%

OCF(TTM)3.13

OCFY7.83%

SpS38.23

BVpS22.27

TBVpS12.17

PEG (NY)1.97

PEG (5Y)0.4

Profitability

		Industry Rank	Sector Rank
ROA	1.09%
ROE	14.13%
ROCE	1.5%
ROIC	1.21%
ROICexc	1.26%
ROICexgc	1.65%
OM	11.15%
PM (TTM)	8.23%
GM	N/A
FCFM	7.69%

ROA(3y)1.01%

ROA(5y)0.77%

ROE(3y)12.73%

ROE(5y)9.51%

ROIC(3y)1.23%

ROIC(5y)1.01%

ROICexc(3y)1.28%

ROICexc(5y)1.05%

ROICexgc(3y)1.64%

ROICexgc(5y)1.33%

ROCE(3y)1.52%

ROCE(5y)1.25%

ROICexcg growth 3Y24.61%

ROICexcg growth 5Y6.97%

ROICexc growth 3Y21.16%

ROICexc growth 5Y7.2%

OM growth 3Y23.76%

OM growth 5Y4.76%

PM growth 3Y46.22%

PM growth 5Y36.38%

GM growth 3YN/A

GM growth 5YN/A

F-Score6

Asset Turnover0.13

Health

		Industry Rank	Sector Rank
Debt/Equity	0.49
Debt/FCF	3.74
Debt/EBITDA	N/A
Cap/Depr	N/A
Cap/Sales	0.5%
Interest Coverage	1.69
Cash Conversion	N/A
Profit Quality	93.5%
Current Ratio	0.99
Quick Ratio	0.99
Altman-Z	0.34

F-Score6

WACC10.29%

ROIC/WACC0.12

Cap/Depr(3y)N/A

Cap/Depr(5y)N/A

Cap/Sales(3y)0.37%

Cap/Sales(5y)0.36%

Profit Quality(3y)112.32%

Profit Quality(5y)257.76%

High Growth Momentum

Growth

EPS 1Y (TTM)15.27%

EPS 3Y35.79%

EPS 5Y32.03%

EPS Q2Q%34.3%

EPS Next Y6.5%

EPS Next 2Y7.56%

EPS Next 3Y10.07%

EPS Next 5Y6.58%

Revenue 1Y (TTM)-15.52%

Revenue growth 3Y-9.14%

Revenue growth 5Y-4.6%

Sales Q2Q%-23.49%

Revenue Next Year-2.14%

Revenue Next 2Y1.08%

Revenue Next 3Y0.89%

Revenue Next 5YN/A

EBIT growth 1Y-4%

EBIT growth 3Y12.44%

EBIT growth 5Y-0.05%

EBIT Next Year19.13%

EBIT Next 3Y10.06%

EBIT Next 5YN/A

FCF growth 1Y-6.97%

FCF growth 3Y-33.47%

FCF growth 5Y-1.8%

OCF growth 1Y-5.64%

OCF growth 3Y-32.45%

OCF growth 5Y-1.79%

AXA NV25 (CSNV.PA) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

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5. Dividend

5.1 Amount

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