CSNV Fundamental Analysis - AXA NV25

Fundamental Rating

Taking everything into account, CSNV scores 4 out of 10 in our fundamental rating. CSNV was compared to 38 industry peers in the Insurance industry. CSNV has only an average score on both its financial health and profitability. CSNV has a decent growth rate and is not valued too expensively.

Quickly go to:

1. Profitability

1.1 Basic Checks

In the past year CSNV was profitable.

In the past year CSNV had a positive cash flow from operations.

Each year in the past 5 years CSNV has been profitable.

In the past 5 years CSNV always reported a positive cash flow from operatings.

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 (14.13%) which is in line with 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 2.06%.

		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

With a Profit Margin value of 8.23%, CSNV perfoms like the industry average, outperforming 47.22% of the companies in the same industry.

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

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

More info and screens

ROA

ROE

ROIC

Operating and Profit Margin

Show most profitable peers

2. Health

2.1 Basic Checks

CSNV has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.

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

Compared to 5 years ago, CSNV has less shares outstanding

CSNV has a worse debt/assets ratio than last year.

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.

Looking at the Altman-Z score, with a value of 0.34, CSNV belongs to the top of the industry, outperforming 83.33% of the companies in the same industry.

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.

CSNV has a Debt to FCF ratio (3.74) which is in line with its industry peers.

CSNV has a Debt/Equity ratio of 0.49. This is a healthy value indicating a solid balance between debt and equity.

With a decent Debt to Equity ratio value of 0.49, CSNV is doing good in the industry, outperforming 72.22% of the companies in the same industry.

		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.

With an excellent Current ratio value of 0.99, CSNV belongs to the best of the industry, outperforming 88.89% of the companies in the same industry.

CSNV has a Quick Ratio of 0.99. This is a bad value and indicates that CSNV is not financially healthy enough and could expect problems in meeting its short term obligations.

CSNV has a Quick ratio of 0.99. This is amongst the best in the industry. CSNV outperforms 88.89% of its industry peers.

		Industry Rank	Sector Rank
Current Ratio	0.99
Quick Ratio	0.99

More info and screens

WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

Show peers with great health

3. Growth

3.1 Past

CSNV shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 15.27%, which is quite good.

Measured over the past years, CSNV shows a very strong growth in Earnings Per Share. The EPS has been growing by 32.03% on average per year.

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

The Revenue has been decreasing by -4.60% on average over the past years.

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

CSNV is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 6.58% yearly.

CSNV is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 0.89% yearly.

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

The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.

The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.

More info and screens

Find the best growth stocks

Show best growing peers

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 12.82, CSNV is valued correctly.

Based on the Price/Earnings ratio, CSNV is valued a bit cheaper than 66.67% of the companies in the same industry.

Compared to an average S&P500 Price/Earnings ratio of 27.30, CSNV is valued rather cheaply.

A Price/Forward Earnings ratio of 11.05 indicates a reasonable valuation of CSNV.

CSNV's Price/Forward Earnings is on the same level as the industry average.

Compared to an average S&P500 Price/Forward Earnings ratio of 21.76, CSNV is valued a bit cheaper.

		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 an expensive valuation of the company.

PEG (NY)1.97

PEG (5Y)0.4

EPS Next 2Y7.56%

EPS Next 3Y10.07%

More info and screens

Show best valued peers

5. Dividend

5.1 Amount

No dividends for CSNV!.

		Industry Rank	Sector Rank
Dividend Yield	N/A

More info and screens

Find the best dividend stocks

Show peers with best dividend

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

More info and screens

5. Dividend

5.1 Amount

More info and screens