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Also traded in: France, Germany, UK

GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 7/10

vs
industry
vs
history
Cash to Debt 31.70
CNPAY's Cash to Debt is ranked higher than
59% of the 90 Companies
in the Global Insurance - Life industry.

( Industry Median: 10.20 vs. CNPAY: 31.70 )
Ranked among companies with meaningful Cash to Debt only.
CNPAY' s Cash to Debt Range Over the Past 10 Years
Min: 0.13  Med: 5.14 Max: No Debt
Current: 31.7
Equity to Asset 0.04
CNPAY's Equity to Asset is ranked lower than
85% of the 91 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.09 vs. CNPAY: 0.04 )
Ranked among companies with meaningful Equity to Asset only.
CNPAY' s Equity to Asset Range Over the Past 10 Years
Min: 0.03  Med: 0.04 Max: 0.04
Current: 0.04
0.03
0.04
Interest Coverage 12.02
CNPAY's Interest Coverage is ranked lower than
51% of the 63 Companies
in the Global Insurance - Life industry.

( Industry Median: 12.84 vs. CNPAY: 12.02 )
Ranked among companies with meaningful Interest Coverage only.
CNPAY' s Interest Coverage Range Over the Past 10 Years
Min: 9.97  Med: 14.69 Max: 20.19
Current: 12.02
9.97
20.19
F-Score: 5
M-Score: -2.37
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 5/10

vs
industry
vs
history
Operating margin (%) 5.19
CNPAY's Operating margin (%) is ranked lower than
69% of the 90 Companies
in the Global Insurance - Life industry.

( Industry Median: 8.91 vs. CNPAY: 5.19 )
Ranked among companies with meaningful Operating margin (%) only.
CNPAY' s Operating margin (%) Range Over the Past 10 Years
Min: 3.18  Med: 4.78 Max: 5.7
Current: 5.19
3.18
5.7
Net-margin (%) 2.54
CNPAY's Net-margin (%) is ranked lower than
80% of the 91 Companies
in the Global Insurance - Life industry.

( Industry Median: 6.55 vs. CNPAY: 2.54 )
Ranked among companies with meaningful Net-margin (%) only.
CNPAY' s Net-margin (%) Range Over the Past 10 Years
Min: 2.05  Med: 2.67 Max: 3.2
Current: 2.54
2.05
3.2
ROE (%) 6.72
CNPAY's ROE (%) is ranked lower than
63% of the 91 Companies
in the Global Insurance - Life industry.

( Industry Median: 9.65 vs. CNPAY: 6.72 )
Ranked among companies with meaningful ROE (%) only.
CNPAY' s ROE (%) Range Over the Past 10 Years
Min: 6.69  Med: 7.21 Max: 13.88
Current: 6.72
6.69
13.88
ROA (%) 0.28
CNPAY's ROA (%) is ranked lower than
81% of the 91 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.73 vs. CNPAY: 0.28 )
Ranked among companies with meaningful ROA (%) only.
CNPAY' s ROA (%) Range Over the Past 10 Years
Min: 0.27  Med: 0.33 Max: 0.51
Current: 0.28
0.27
0.51
Revenue Growth (3Y)(%) -3.00
CNPAY's Revenue Growth (3Y)(%) is ranked lower than
75% of the 80 Companies
in the Global Insurance - Life industry.

( Industry Median: 6.80 vs. CNPAY: -3.00 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
CNPAY' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -11  Med: 1.30 Max: 12.2
Current: -3
-11
12.2
EBITDA Growth (3Y)(%) 43.50
CNPAY's EBITDA Growth (3Y)(%) is ranked higher than
90% of the 77 Companies
in the Global Insurance - Life industry.

( Industry Median: 9.20 vs. CNPAY: 43.50 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
CNPAY' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -12.6  Med: 12.80 Max: 43.5
Current: 43.5
-12.6
43.5
EPS Growth (3Y)(%) 4.20
CNPAY's EPS Growth (3Y)(%) is ranked lower than
64% of the 74 Companies
in the Global Insurance - Life industry.

( Industry Median: 9.20 vs. CNPAY: 4.20 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
CNPAY' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -80.7  Med: -5.00 Max: 6.1
Current: 4.2
-80.7
6.1
» CNPAY's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow
Oprt. Cash Flow & Net Income

» Details

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Business Description

Industry: Insurance - Life » Insurance - Life
Compare:NYSE:LNC, LSE:SL., NYSE:UNM, JSE:SLM, NYSE:TMK » details
Traded in other countries:CNP.France, XNP.Germany, 0IUQ.UK,
CNP Assurances is a personal insurance company involved in three main segments: savings, pensions and personal risk.

CNP Assurances was incorporated on 12 October 1987. It designs, develops, distributes and manages savings, pension and personal risk products. The Company has three main segments: savings, pensions and personal risk. It operates in Europe and Latin America, with robust activity levels in Brazil.

Ratios

vs
industry
vs
history
P/E(ttm) 9.34
CNPAY's P/E(ttm) is ranked higher than
73% of the 85 Companies
in the Global Insurance - Life industry.

( Industry Median: 13.09 vs. CNPAY: 9.34 )
Ranked among companies with meaningful P/E(ttm) only.
CNPAY' s P/E(ttm) Range Over the Past 10 Years
Min: 0.09  Med: 8.68 Max: 15.04
Current: 9.34
0.09
15.04
PE(NRI) 9.11
CNPAY's PE(NRI) is ranked higher than
77% of the 84 Companies
in the Global Insurance - Life industry.

( Industry Median: 13.32 vs. CNPAY: 9.11 )
Ranked among companies with meaningful PE(NRI) only.
CNPAY' s PE(NRI) Range Over the Past 10 Years
Min: 0.09  Med: 8.46 Max: 14.93
Current: 9.11
0.09
14.93
Price/Owner Earnings (ttm) 0.94
CNPAY's Price/Owner Earnings (ttm) is ranked higher than
96% of the 50 Companies
in the Global Insurance - Life industry.

( Industry Median: 11.77 vs. CNPAY: 0.94 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
CNPAY' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 0.68  Med: 4.99 Max: 11.63
Current: 0.94
0.68
11.63
P/B 0.60
CNPAY's P/B is ranked higher than
81% of the 89 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.28 vs. CNPAY: 0.60 )
Ranked among companies with meaningful P/B only.
CNPAY' s P/B Range Over the Past 10 Years
Min: 0.4  Med: 0.72 Max: 1.65
Current: 0.6
0.4
1.65
P/S 0.23
CNPAY's P/S is ranked higher than
93% of the 88 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.03 vs. CNPAY: 0.23 )
Ranked among companies with meaningful P/S only.
CNPAY' s P/S Range Over the Past 10 Years
Min: 0.12  Med: 0.23 Max: 0.41
Current: 0.23
0.12
0.41
PFCF 1.17
CNPAY's PFCF is ranked higher than
83% of the 47 Companies
in the Global Insurance - Life industry.

( Industry Median: 4.52 vs. CNPAY: 1.17 )
Ranked among companies with meaningful PFCF only.
CNPAY' s PFCF Range Over the Past 10 Years
Min: 0.35  Med: 0.75 Max: 1.64
Current: 1.17
0.35
1.64
POCF 1.16
CNPAY's POCF is ranked higher than
87% of the 63 Companies
in the Global Insurance - Life industry.

( Industry Median: 4.27 vs. CNPAY: 1.16 )
Ranked among companies with meaningful POCF only.
CNPAY' s POCF Range Over the Past 10 Years
Min: 0.35  Med: 0.75 Max: 1.62
Current: 1.16
0.35
1.62
PEG 0.27
CNPAY's PEG is ranked higher than
89% of the 47 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.23 vs. CNPAY: 0.27 )
Ranked among companies with meaningful PEG only.
CNPAY' s PEG Range Over the Past 10 Years
Min: 0.19  Med: 0.86 Max: 58
Current: 0.27
0.19
58
Shiller P/E 0.63
CNPAY's Shiller P/E is ranked higher than
98% of the 41 Companies
in the Global Insurance - Life industry.

( Industry Median: 15.96 vs. CNPAY: 0.63 )
Ranked among companies with meaningful Shiller P/E only.
CNPAY' s Shiller P/E Range Over the Past 10 Years
Min: 0.28  Med: 0.36 Max: 0.63
Current: 0.63
0.28
0.63

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 5.33
CNPAY's Dividend Yield is ranked higher than
76% of the 113 Companies
in the Global Insurance - Life industry.

( Industry Median: 4.08 vs. CNPAY: 5.33 )
Ranked among companies with meaningful Dividend Yield only.
CNPAY' s Dividend Yield Range Over the Past 10 Years
Min: 3.87  Med: 5.32 Max: 9.6
Current: 5.33
3.87
9.6
Dividend Payout 0.47
CNPAY's Dividend Payout is ranked lower than
69% of the 86 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.30 vs. CNPAY: 0.47 )
Ranked among companies with meaningful Dividend Payout only.
CNPAY' s Dividend Payout Range Over the Past 10 Years
Min: 0.42  Med: 0.50 Max: 0.58
Current: 0.47
0.42
0.58
Forward Dividend Yield 5.33
CNPAY's Forward Dividend Yield is ranked higher than
78% of the 114 Companies
in the Global Insurance - Life industry.

( Industry Median: 5.44 vs. CNPAY: 5.33 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 5.44
CNPAY's Yield on cost (5-Year) is ranked lower than
54% of the 112 Companies
in the Global Insurance - Life industry.

( Industry Median: 5.77 vs. CNPAY: 5.44 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
CNPAY' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 3.95  Med: 5.43 Max: 9.79
Current: 5.44
3.95
9.79
3-Year Average Share Buyback Ratio -2.20
CNPAY's 3-Year Average Share Buyback Ratio is ranked lower than
67% of the 66 Companies
in the Global Insurance - Life industry.

( Industry Median: -0.50 vs. CNPAY: -2.20 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
CNPAY' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -5.1  Med: -2.20 Max: 0
Current: -2.2
-5.1
0

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.63
CNPAY's Price/Tangible Book is ranked higher than
84% of the 86 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.61 vs. CNPAY: 0.63 )
Ranked among companies with meaningful Price/Tangible Book only.
CNPAY' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.51  Med: 0.79 Max: 1.53
Current: 0.63
0.51
1.53
Price/Projected FCF 0.07
CNPAY's Price/Projected FCF is ranked higher than
91% of the 56 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.58 vs. CNPAY: 0.07 )
Ranked among companies with meaningful Price/Projected FCF only.
CNPAY' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.04  Med: 0.06 Max: 0.09
Current: 0.07
0.04
0.09
Price/Median PS Value 1.00
CNPAY's Price/Median PS Value is ranked higher than
58% of the 83 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.02 vs. CNPAY: 1.00 )
Ranked among companies with meaningful Price/Median PS Value only.
CNPAY' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.67  Med: 1.00 Max: 1.34
Current: 1
0.67
1.34
Price/Peter Lynch Fair Value 0.36
CNPAY's Price/Peter Lynch Fair Value is ranked higher than
94% of the 34 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.18 vs. CNPAY: 0.36 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
CNPAY' s Price/Peter Lynch Fair Value Range Over the Past 10 Years
Min: 0.3  Med: 0.74 Max: 1.02
Current: 0.36
0.3
1.02
Price/Graham Number 0.51
CNPAY's Price/Graham Number is ranked higher than
80% of the 75 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.92 vs. CNPAY: 0.51 )
Ranked among companies with meaningful Price/Graham Number only.
CNPAY' s Price/Graham Number Range Over the Past 10 Years
Min: 0.07  Med: 0.48 Max: 0.78
Current: 0.51
0.07
0.78
Earnings Yield (Greenblatt) (%) -0.70
CNPAY's Earnings Yield (Greenblatt) (%) is ranked lower than
82% of the 87 Companies
in the Global Insurance - Life industry.

( Industry Median: 9.70 vs. CNPAY: -0.70 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
CNPAY' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 8.5  Med: 13.90 Max: 24.8
Current: -0.7
8.5
24.8
Forward Rate of Return (Yacktman) (%) 132.08
CNPAY's Forward Rate of Return (Yacktman) (%) is ranked higher than
95% of the 58 Companies
in the Global Insurance - Life industry.

( Industry Median: 14.69 vs. CNPAY: 132.08 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
CNPAY' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: 110.3  Med: 162.70 Max: 299.4
Current: 132.08
110.3
299.4

More Statistics

Revenue (TTM) (Mil) $49,218
EPS (TTM) $ 0.89
Beta0.07
Short Percentage of Float0.00%
52-Week Range $6.26 - 8.81
Shares Outstanding (Mil)1,373.24

Analyst Estimate

Dec16 Dec17
Revenue (Mil $)
EPS ($) 0.86 0.89
EPS without NRI ($) 0.86 0.89
EPS Growth Rate
(3Y to 5Y Estimate)
N/A

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