AXA NV25 (CSNV.PA) Stock Fundamental Analysis
Europe - Euronext Paris - EPA:CSNV - FR001400UEZ6 - Common Stock
40 EUR
+0.8 (+2.04%)
We assign a fundamental rating of 4 out of 10 to CSNV. CSNV was compared to 45 industry peers in the Insurance industry. Both the profitability and the financial health of CSNV get a neutral evaluation. Nothing too spectacular is happening here. CSNV is not valued too expensively and it also shows a decent growth rate.
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.
In the past 5 years CSNV always reported a positive cash flow from operatings.
1.2 Ratios
The Return On Assets of CSNV (1.09%) is comparable to the rest of the industry.
CSNV has a Return On Equity (14.13%) which is in line with its industry peers.
CSNV has a Return On Invested Capital (1.21%) which 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 2.72%.
| 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's Profit Margin of 8.23% is in line compared to the rest of the industry. CSNV outperforms 47.22% of its industry peers.
CSNV's Profit Margin has improved in the last couple of years.
CSNV's Operating Margin of 11.15% is in line compared to the rest of the industry. CSNV outperforms 44.44% of its industry peers.
In the last couple of years the Operating Margin of CSNV has grown nicely.
| 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
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.
CSNV has less shares outstanding than it did 5 years ago.
Compared to 1 year ago, CSNV has a worse debt to assets ratio.
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.
The Altman-Z score of CSNV (0.34) is better than 83.33% of its industry peers.
CSNV has a debt to FCF ratio of 3.74. This is a good value and a sign of high solvency as CSNV would need 3.74 years to pay back of all of its debts.
The Debt to FCF ratio of CSNV (3.74) is comparable to the rest of the industry.
A Debt/Equity ratio of 0.49 indicates that CSNV is not too dependend on debt financing.
CSNV has a better Debt to Equity ratio (0.49) 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 Current ratio of 0.99. This is amongst the best in the industry. CSNV outperforms 88.89% of its industry peers.
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.
The Quick ratio of CSNV (0.99) is better than 88.89% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.99 | ||
| Quick Ratio | 0.99 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 15.27% over the past year.
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.
CSNV shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -15.52%.
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
CSNV is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 6.58% yearly.
Based on estimates for the next years, CSNV will show a small growth in Revenue. The Revenue will grow by 0.89% on average per year.
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.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 12.82, which indicates a correct valuation of CSNV.
66.67% of the companies in the same industry are more expensive than CSNV, based on the Price/Earnings ratio.
CSNV is valuated cheaply when we compare the Price/Earnings ratio to 26.59, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 11.05, which indicates a very decent valuation of CSNV.
Compared to the rest of the industry, the Price/Forward Earnings ratio of CSNV is on the same level as its industry peers.
When comparing the Price/Forward Earnings ratio of CSNV to the average of the S&P500 Index (24.03), we can say CSNV is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.82 | ||
| Fwd PE | 11.05 |
4.2 Price Multiples
The rest of the industry has a similar Price/Free Cash Flow ratio as CSNV.
| 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%
5. Dividend
5.1 Amount
CSNV does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
EPA:CSNV (5/2/2025, 7:00:00 PM)
40
+0.8 (+2.04%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst OwnersN/A
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap89.05B
Revenue(TTM)85.11B
Net Income(TTM)7.00B
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
Graham NumberN/A
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%
ROICexgc growth 3Y24.61%
ROICexgc 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 FAQ
What is the fundamental rating for CSNV stock?
ChartMill assigns a fundamental rating of 4 / 10 to CSNV.PA.
What is the valuation status of AXA NV25 (CSNV.PA) stock?
ChartMill assigns a valuation rating of 3 / 10 to AXA NV25 (CSNV.PA). This can be considered as Overvalued.
What is the profitability of CSNV stock?
AXA NV25 (CSNV.PA) has a profitability rating of 5 / 10.
What is the financial health of AXA NV25 (CSNV.PA) stock?
The financial health rating of AXA NV25 (CSNV.PA) is 4 / 10.
Can you provide the dividend sustainability for CSNV stock?
The dividend rating of AXA NV25 (CSNV.PA) is 0 / 10 and the dividend payout ratio is 56.37%.