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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 : 6/10

vs
industry
vs
history
Cash-to-Debt 9.78
CNPAY's Cash-to-Debt is ranked higher than
52% of the 89 Companies
in the Global Insurance - Life industry.

( Industry Median: 8.95 vs. CNPAY: 9.78 )
Ranked among companies with meaningful Cash-to-Debt only.
CNPAY' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.13  Med: 6.48 Max: No Debt
Current: 9.78
Equity-to-Asset 0.04
CNPAY's Equity-to-Asset is ranked lower than
84% of the 89 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.08 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 10.00
CNPAY's Interest Coverage is ranked lower than
73% of the 89 Companies
in the Global Insurance - Life industry.

( Industry Median: 118.47 vs. CNPAY: 10.00 )
Ranked among companies with meaningful Interest Coverage only.
CNPAY' s Interest Coverage Range Over the Past 10 Years
Min: 9.97  Med: 13.65 Max: 20.19
Current: 10
9.97
20.19
Beneish M-Score: -3.39
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 : 3/10

vs
industry
vs
history
Operating Margin % 5.74
CNPAY's Operating Margin % is ranked lower than
64% of the 88 Companies
in the Global Insurance - Life industry.

( Industry Median: 8.22 vs. CNPAY: 5.74 )
Ranked among companies with meaningful Operating Margin % only.
CNPAY' s Operating Margin % Range Over the Past 10 Years
Min: 3.18  Med: 5.07 Max: 5.74
Current: 5.74
3.18
5.74
Net Margin % 2.78
CNPAY's Net Margin % is ranked lower than
69% of the 89 Companies
in the Global Insurance - Life industry.

( Industry Median: 4.56 vs. CNPAY: 2.78 )
Ranked among companies with meaningful Net Margin % only.
CNPAY' s Net Margin % Range Over the Past 10 Years
Min: 2.19  Med: 2.49 Max: 3.2
Current: 2.78
2.19
3.2
ROE % 6.48
CNPAY's ROE % is ranked lower than
63% of the 89 Companies
in the Global Insurance - Life industry.

( Industry Median: 8.42 vs. CNPAY: 6.48 )
Ranked among companies with meaningful ROE % only.
CNPAY' s ROE % Range Over the Past 10 Years
Min: 6.25  Med: 7.03 Max: 12.36
Current: 6.48
6.25
12.36
ROA % 0.29
CNPAY's ROA % is ranked lower than
80% of the 89 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.63 vs. CNPAY: 0.29 )
Ranked among companies with meaningful ROA % only.
CNPAY' s ROA % Range Over the Past 10 Years
Min: 0.25  Med: 0.3 Max: 0.51
Current: 0.29
0.25
0.51
3-Year Revenue Growth Rate -0.30
CNPAY's 3-Year Revenue Growth Rate is ranked lower than
65% of the 81 Companies
in the Global Insurance - Life industry.

( Industry Median: 5.00 vs. CNPAY: -0.30 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
CNPAY' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -14.2  Med: 0.45 Max: 12.3
Current: -0.3
-14.2
12.3
3-Year EBITDA Growth Rate 1.00
CNPAY's 3-Year EBITDA Growth Rate is ranked lower than
63% of the 76 Companies
in the Global Insurance - Life industry.

( Industry Median: 3.90 vs. CNPAY: 1.00 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
CNPAY' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -18.6  Med: 6.2 Max: 57.3
Current: 1
-18.6
57.3
3-Year EPS without NRI Growth Rate 2.00
CNPAY's 3-Year EPS without NRI Growth Rate is ranked higher than
52% of the 73 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.60 vs. CNPAY: 2.00 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
CNPAY' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -11.2  Med: -0.4 Max: 20.4
Current: 2
-11.2
20.4
GuruFocus has detected 5 Warning Signs with CNP Assurances $CNPAY.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» CNPAY's 30-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

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Business Description

Industry: Insurance - Life » Insurance - Life    NAICS: 524113    SIC: 6311
Compare:NYSE:LNC, OTCPK:POFNF, NYSE:PFG, OTCPK:ODMUF, OTCPK:AMLTF, OTCPK:LGGNY, NYSE:UNM, OTCPK:SLLDY, OTCPK:SLFPF, OTCPK:TDHOY, OTCPK:CINSF, OTCPK:PWCDF, NYSE:TMK, OTCPK:STJPF, OTCPK:GWLIF, NYSE:PRI, NYSE:CNO, NYSE:AEL, NYSE:FGL, NYSE:FFG » details
Traded in other countries:CNP.France, XNP.Germany, 0IUQ.UK,
Headquarter Location:France
CNP Assurances is an insurance service provider. It specializes in savings, pensions and personal risk categories. It writes life and endowment insurance, and bodily injury insurance covering accident and health risks.

CNP Assurances sells a variety of insurance products. The company organizes itself into two primary segments based on product type. The savings and pensions segment, which generates the majority of premium income, sells both personal and private pension and savings plans, which include annuity products. The personal risk and protection segment sells a variety of insurance products, which include personal risk and protection, health, term credit, and property and casualty. CNP Assurances also earns income from investing premiums in traditional asset classes, which include fixed income and equities, as well as private equity and renewable power generation projects. The majority of premium income comes from France.

Ratios

vs
industry
vs
history
PE Ratio 12.03
CNPAY's PE Ratio is ranked higher than
66% of the 82 Companies
in the Global Insurance - Life industry.

( Industry Median: 14.27 vs. CNPAY: 12.03 )
Ranked among companies with meaningful PE Ratio only.
CNPAY' s PE Ratio Range Over the Past 10 Years
Min: 5.41  Med: 9.67 Max: 15.04
Current: 12.03
5.41
15.04
Forward PE Ratio 11.29
CNPAY's Forward PE Ratio is ranked higher than
65% of the 31 Companies
in the Global Insurance - Life industry.

( Industry Median: 11.90 vs. CNPAY: 11.29 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 12.03
CNPAY's PE Ratio without NRI is ranked higher than
67% of the 82 Companies
in the Global Insurance - Life industry.

( Industry Median: 14.33 vs. CNPAY: 12.03 )
Ranked among companies with meaningful PE Ratio without NRI only.
CNPAY' s PE Ratio without NRI Range Over the Past 10 Years
Min: 5.41  Med: 9.47 Max: 15.04
Current: 12.03
5.41
15.04
Price-to-Owner-Earnings 0.96
CNPAY's Price-to-Owner-Earnings is ranked higher than
96% of the 55 Companies
in the Global Insurance - Life industry.

( Industry Median: 8.29 vs. CNPAY: 0.96 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
CNPAY' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 0.8  Med: 2.68 Max: 41.47
Current: 0.96
0.8
41.47
PB Ratio 0.77
CNPAY's PB Ratio is ranked higher than
73% of the 88 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.20 vs. CNPAY: 0.77 )
Ranked among companies with meaningful PB Ratio only.
CNPAY' s PB Ratio Range Over the Past 10 Years
Min: 0.4  Med: 0.7 Max: 1.65
Current: 0.77
0.4
1.65
PS Ratio 0.31
CNPAY's PS Ratio is ranked higher than
82% of the 88 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.95 vs. CNPAY: 0.31 )
Ranked among companies with meaningful PS Ratio only.
CNPAY' s PS Ratio Range Over the Past 10 Years
Min: 0.12  Med: 0.23 Max: 0.41
Current: 0.31
0.12
0.41
Price-to-Free-Cash-Flow 1.65
CNPAY's Price-to-Free-Cash-Flow is ranked higher than
83% of the 52 Companies
in the Global Insurance - Life industry.

( Industry Median: 5.00 vs. CNPAY: 1.65 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
CNPAY' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 0.35  Med: 0.86 Max: 1.68
Current: 1.65
0.35
1.68
Price-to-Operating-Cash-Flow 1.63
CNPAY's Price-to-Operating-Cash-Flow is ranked higher than
85% of the 60 Companies
in the Global Insurance - Life industry.

( Industry Median: 4.78 vs. CNPAY: 1.63 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
CNPAY' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 0.35  Med: 0.86 Max: 1.66
Current: 1.63
0.35
1.66
Shiller PE Ratio 11.90
CNPAY's Shiller PE Ratio is ranked higher than
86% of the 42 Companies
in the Global Insurance - Life industry.

( Industry Median: 19.31 vs. CNPAY: 11.90 )
Ranked among companies with meaningful Shiller PE Ratio only.
CNPAY' s Shiller PE Ratio Range Over the Past 10 Years
Min: 6.44  Med: 8.69 Max: 12.13
Current: 11.9
6.44
12.13

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 3.85
CNPAY's Dividend Yield % is ranked higher than
66% of the 125 Companies
in the Global Insurance - Life industry.

( Industry Median: 3.10 vs. CNPAY: 3.85 )
Ranked among companies with meaningful Dividend Yield % only.
CNPAY' s Dividend Yield % Range Over the Past 10 Years
Min: 1.92  Med: 5.09 Max: 9.6
Current: 3.85
1.92
9.6
Dividend Payout Ratio 0.47
CNPAY's Dividend Payout Ratio is ranked lower than
67% of the 85 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.38 vs. CNPAY: 0.47 )
Ranked among companies with meaningful Dividend Payout Ratio only.
CNPAY' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.28  Med: 0.49 Max: 0.58
Current: 0.47
0.28
0.58
Forward Dividend Yield % 3.85
CNPAY's Forward Dividend Yield % is ranked higher than
57% of the 122 Companies
in the Global Insurance - Life industry.

( Industry Median: 3.42 vs. CNPAY: 3.85 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 3.85
CNPAY's 5-Year Yield-on-Cost % is ranked lower than
54% of the 124 Companies
in the Global Insurance - Life industry.

( Industry Median: 4.13 vs. CNPAY: 3.85 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
CNPAY' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 1.92  Med: 5.09 Max: 9.6
Current: 3.85
1.92
9.6

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 0.81
CNPAY's Price-to-Tangible-Book is ranked higher than
82% of the 85 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.44 vs. CNPAY: 0.81 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
CNPAY' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.51  Med: 0.73 Max: 1.53
Current: 0.81
0.51
1.53
Price-to-Intrinsic-Value-Projected-FCF 0.15
CNPAY's Price-to-Intrinsic-Value-Projected-FCF is ranked higher than
85% of the 52 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.53 vs. CNPAY: 0.15 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
CNPAY' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.04  Med: 0.06 Max: 0.13
Current: 0.15
0.04
0.13
Price-to-Median-PS-Value 1.36
CNPAY's Price-to-Median-PS-Value is ranked lower than
89% of the 83 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.03 vs. CNPAY: 1.36 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
CNPAY' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.67  Med: 1.02 Max: 1.33
Current: 1.36
0.67
1.33
Price-to-Graham-Number 0.66
CNPAY's Price-to-Graham-Number is ranked higher than
87% of the 76 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.05 vs. CNPAY: 0.66 )
Ranked among companies with meaningful Price-to-Graham-Number only.
CNPAY' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.4  Med: 0.59 Max: 0.86
Current: 0.66
0.4
0.86
Earnings Yield (Greenblatt) % -0.87
CNPAY's Earnings Yield (Greenblatt) % is ranked lower than
86% of the 87 Companies
in the Global Insurance - Life industry.

( Industry Median: 10.25 vs. CNPAY: -0.87 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
CNPAY' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: -0.9  Med: 9.55 Max: 24.2
Current: -0.87
-0.9
24.2
Forward Rate of Return (Yacktman) % 52.33
CNPAY's Forward Rate of Return (Yacktman) % is ranked higher than
83% of the 60 Companies
in the Global Insurance - Life industry.

( Industry Median: 21.09 vs. CNPAY: 52.33 )
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: 51.1  Med: 160 Max: 309
Current: 52.33
51.1
309

More Statistics

Revenue (TTM) (Mil) $47,074.54
EPS (TTM) $ 0.89
Beta0.21
Short Percentage of Float0.00%
52-Week Range $6.90 - 11.50
Shares Outstanding (Mil)1,372.99 (ADR)

Analyst Estimate

Dec17 Dec18 Dec19
Revenue (Mil $) 3,178 3,256 3,355
EPS ($) 0.99 1.01 1.04
EPS without NRI ($) 0.99 1.01 1.04
EPS Growth Rate
(Future 3Y To 5Y Estimate)
N/A
Dividends per Share ($) 0.46 0.48 0.49

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