AXA SA NV25(EPA:CSNV) stock Fundamental Analysis

Fundamental Rating

Taking everything into account, CSNV scores 4 out of 10 in our fundamental rating. CSNV was compared to 36 industry peers in the Insurance industry. CSNV has only an average score on both its financial health and profitability. CSNV is not valued too expensively and it also shows a decent growth rate.

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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.

CSNV had positive earnings in each of the past 5 years.

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

1.2 Ratios

CSNV has a Return On Assets (1.09%) which is in line with its industry peers.

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.

CSNV had an Average Return On Invested Capital over the past 3 years of 1.23%. This is in line with the industry average of 2.02%.

		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.

CSNV's Operating Margin of 11.15% is in line compared to the rest of the industry. CSNV outperforms 52.78% 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

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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.

The number of shares outstanding for CSNV has been increased compared to 1 year ago.

CSNV has less shares outstanding than it did 5 years ago.

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

2.2 Solvency

Based on the Altman-Z score of 0.33, we must say that CSNV is in the distress zone and has some risk of bankruptcy.

The Altman-Z score of CSNV (0.33) 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.

With a Debt to FCF ratio value of 3.74, CSNV perfoms like the industry average, outperforming 52.78% of the companies in the same industry.

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

CSNV's Debt to Equity ratio of 0.49 is fine compared to the rest of the industry. CSNV outperforms 69.44% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.49
Debt/FCF	3.74
Altman-Z	0.33

ROIC/WACC0.12

WACC10.38%

2.3 Liquidity

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

Looking at the Current ratio, with a value of 0.99, CSNV is in the better half of the industry, outperforming 77.78% of the companies in the same industry.

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

Looking at the Quick ratio, with a value of 0.99, CSNV is in the better half of the industry, outperforming 77.78% of the companies in the same industry.

		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.

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.

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.

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.

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

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4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 11.59 indicates a reasonable valuation of CSNV.

Based on the Price/Earnings ratio, CSNV is valued a bit cheaper than the industry average as 69.44% of the companies are valued more expensively.

CSNV's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 29.35.

A Price/Forward Earnings ratio of 9.99 indicates a reasonable valuation of CSNV.

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

CSNV's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.10.

		Industry Rank	Sector Rank
PE	11.59
Fwd PE	9.99

4.2 Price Multiples

CSNV's Price/Free Cash Flow ratio is in line with the industry average.

		Industry Rank	Sector Rank
P/FCF	12.29
EV/EBITDA	N/A

4.3 Compensation for Growth

The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.

PEG (NY)1.78

PEG (5Y)0.36

EPS Next 2Y7.56%

EPS Next 3Y10.07%

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5. Dividend

5.1 Amount

No dividends for CSNV!.

		Industry Rank	Sector Rank
Dividend Yield	N/A

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AXA SA NV25

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

36.165

+0.09 (+0.24%)

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 Cap80.51B

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	11.59
Fwd PE	9.99
P/S	0.95
P/FCF	12.29
P/OCF	11.54
P/B	1.62
P/tB	2.97
EV/EBITDA	N/A

EPS(TTM)3.12

EY8.63%

EPS(NY)3.62

Fwd EY10.01%

FCF(TTM)2.94

FCFY8.13%

OCF(TTM)3.13

OCFY8.66%

SpS38.23

BVpS22.27

TBVpS12.17

PEG (NY)1.78

PEG (5Y)0.36

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	0.33

F-Score6

WACC10.38%

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 SA 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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