AXA NV25 (CSNV.PA) Stock Fundamental Analysis
Europe - EPA:CSNV - FR001400UEZ6 - Common Stock
40 EUR
+0.8 (+2.04%)
Taking everything into account, CSNV scores 4 out of 10 in our fundamental rating. CSNV was compared to 39 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 has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
CSNV had positive earnings in the past year.
CSNV had a positive operating cash flow in the past year.
CSNV had positive earnings in each of the past 5 years.
CSNV had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
CSNV has a Return On Assets (1.09%) which is comparable to the rest of the 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.
CSNV's Return On Invested Capital of 1.21% is in line compared to the rest of the industry. CSNV outperforms 47.22% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for CSNV is in line with the industry average of 2.36%.
| 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
The Profit Margin of CSNV (8.23%) is comparable to the rest of the 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
2. Health
2.1 Basic Checks
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so CSNV is destroying value.
CSNV has more shares outstanding than it did 1 year ago.
The number of shares outstanding for CSNV has been reduced compared to 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.
CSNV's Altman-Z score of 0.34 is amongst the best of the industry. CSNV outperforms 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.
CSNV has a Debt to FCF ratio of 3.74. This is comparable to the rest of the industry: CSNV outperforms 44.44% of 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
CSNV has a Current 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's Current ratio of 0.99 is amongst the best of the industry. CSNV outperforms 88.89% of its industry peers.
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 belongs to the top of the industry, outperforming 88.89% of the companies in the same industry.
| 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.
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
The Earnings Per Share is expected to grow by 6.58% on average over the next years.
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
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.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 12.82, the valuation of CSNV can be described as correct.
66.67% of the companies in the same industry are more expensive than CSNV, based on the Price/Earnings ratio.
When comparing the Price/Earnings ratio of CSNV to the average of the S&P500 Index (27.42), we can say CSNV is valued rather cheaply.
A Price/Forward Earnings ratio of 11.05 indicates a reasonable 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 (22.94), we can say CSNV is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.82 | ||
| Fwd PE | 11.05 |
4.2 Price Multiples
CSNV's Price/Free Cash Flow is on the same level as the industry average.
| 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
No dividends for CSNV!.
| 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
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%