CNP Assurances (CNP.PA) Stock Price
CNP Assurances Price
CNP Assurances (CNP.PA) Stock | ISIN FR0000120222 | WKN 916594. CNP Assurances operates in the Finance sector.
CNP Assurances stock price
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Stock Price
ⓘHow to Read This Chart
This chart tracks the historical stock price of CNP Assurances over time. You can switch between daily, weekly, and monthly views and select custom time ranges — from a single day to the full available history. Use the toggle to view price changes in absolute currency terms or as a percentage change relative to the starting date.
Total Return vs. Price Return
The "Total Return" toggle includes reinvested dividends on top of the pure price movement. This is critical because dividends can account for a significant portion of long-term returns. Historically, roughly 40 % of the S&P 500's total return has come from dividends. Always compare total return when evaluating a stock's real performance against a benchmark.
Intraday Price Data
When viewing a one-day time frame, the chart displays real-time intraday price movements. This is useful for observing how CNP Assurances stock reacts to market openings, earnings releases, or breaking news throughout the trading session.
What to Look For
Look for long-term trends (sustained upward or downward movements over months and years), support and resistance levels (price zones where the stock repeatedly bounces or reverses), and volatility (how much the price fluctuates day to day). Comparing CNP Assurances's price chart to a market index like the S&P 500 can reveal whether the stock is outperforming or underperforming the broader market.
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CNP Assurances Revenue, EBIT, Net Income
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CNP Assurances Income Statement, Balance Sheet, Cash Flow Statement
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| DIVIDEND (EUR)DIV. (EUR) |
| DIVIDEND GROWTH (%)DIV. GROWTH (%) |
| SHARES (M) |
| DOCUMENTS |
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Income Statement Key Figures
ⓘRevenue and Revenue Growth
Revenue is the starting point of every income statement — it measures the total sales CNP Assurances generates from its core business. Revenue growth (expressed as year-over-year percentage change) is one of the most important indicators of business momentum. Sustained growth above 10 % annually is generally considered strong, while declining revenue is a serious warning sign that demands investigation.
Gross Margin
Gross margin = (Revenue − Cost of Goods Sold) ÷ Revenue. It reveals what percentage of each dollar of revenue CNP Assurances retains after direct production costs. High gross margins (above 50 %) are typical of asset-light businesses like software and brands, while capital-intensive industries like manufacturing often operate below 30 %. Compare CNP Assurances's gross margin to industry peers and track it over time to spot improving or deteriorating pricing power.
EBIT and EBIT Margin
EBIT measures operating profit — what remains after subtracting all operating expenses (including R&D, sales, and administrative costs) from gross profit. The EBIT margin shows this as a percentage of revenue. Because it excludes interest and taxes, EBIT allows fair comparisons between companies with different debt levels and tax jurisdictions. A rising EBIT margin indicates improving operational efficiency.
Net Income and Earnings Per Share (EPS)
Net income is the company's final profit after all expenses, interest, and taxes. Dividing net income by the number of shares outstanding gives you EPS — the single most influential metric in stock valuation. Consistent EPS growth is the primary driver of long-term stock price appreciation. Always check whether EPS growth comes from genuine profit improvement or from share buybacks reducing the share count.
Shares Outstanding
The total number of shares CNP Assurances has issued. A declining share count (through buybacks) boosts EPS and signals management confidence. A rising share count (through stock issuance) dilutes existing shareholders. Always monitor this number alongside EPS to get the full picture of per-share value creation.
Analyst Estimates
The projected figures represent consensus estimates from professional analysts. Compare these forecasts against CNP Assurances's historical growth rates to assess whether expectations are realistic. A company that consistently beats consensus estimates tends to see its stock price rewarded over time, while repeated misses erode investor confidence.
CNP Assurances stock margins
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CNP Assurances Stock Revenue, EBIT, Earnings per Share
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CNP Assurances business model & stock analysis
CNP Assurances SWOT Analysis
Strengths
CNP Assurances SA has several key strengths that contribute to its success in the insurance industry. These strengths include:
- Strong brand recognition and reputation in the market.
- Diverse range of insurance products and services.
- Robust distribution network and strategic partnerships.
- Solid financial position and strong capital base.
- Experienced and skilled workforce.
Weaknesses
Despite its strengths, CNP Assurances SA also faces certain weaknesses that need to be addressed in order to remain competitive:
- Limited geographical presence compared to some global competitors.
- Reliance on partners for distribution, which may limit control over sales channels.
- Dependence on traditional insurance products and potential vulnerability to market shifts.
- Potential regulatory challenges in different markets.
Opportunities
CNP Assurances SA can capitalize on several opportunities to expand its business and enhance its position:
- Growing demand for insurance products in emerging markets.
- Digitalization and technological advancements providing new avenues for customer engagement.
- Strategic acquisitions or partnerships to broaden the product portfolio and enter new markets.
- Increasing awareness of the importance of insurance and retirement planning.
Threats
CNP Assurances SA faces certain threats that could potentially impact its performance and growth:
- Intense competition from both traditional insurance companies and disruptive insurtech startups.
- Economic downturns and financial market volatility affecting investment returns.
- Changing customer preferences and expectations.
- Increasing regulatory requirements and compliance costs.
CNP Assurances Eulerpool Fair Value
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Fair Value Estimate
ⓘWhat Is Fair Value?
Fair value is an estimate of what a stock is truly "worth" based on its financial fundamentals, independent of the current market price. If the calculated fair value is above the current share price, the stock may be undervalued — and vice versa. This chart shows three different fair value approaches so you can cross-check them against each other.
Earnings-Based Fair Value
Calculated by multiplying the current earnings per share (EPS) by the average historical P/E ratio over a selected multi-year period. The smoothing over several years filters out temporary spikes or dips. If this fair value exceeds the market price, it suggests the stock is cheap relative to its earning power.
Example: Fair Value (Earnings) 2022 = EPS 2022 × Average P/E 2019–2021
Revenue-Based Fair Value
Derived by multiplying revenue per share by the average historical price-to-sales ratio. This method is particularly useful for companies with volatile or temporarily depressed earnings, as revenue tends to be more stable than profits. It answers: "At what price has the market historically valued each dollar of this company's sales?"
Example: Fair Value (Revenue) 2022 = Revenue per Share 2022 × Average P/S 2019–2021
Dividend-Based Fair Value
Calculated by dividing the dividend per share by the average historical dividend yield. This approach is most relevant for mature, consistently dividend-paying companies. If the resulting fair value is higher than the current price, it implies the stock offers a better yield than its historical average.
Example: Fair Value (Dividend) 2022 = Dividend per Share 2022 ÷ Average Yield 2019–2021
How to Use This Chart
When all three fair value lines converge above the current price, it strengthens the case that the stock is undervalued. When they diverge, investigate why — it may indicate a structural shift in margins, payout policy, or growth rate. The forward estimates on the right extend the analysis using projected fundamentals, helping you assess whether the current price already reflects future growth expectations.
CNP Assurances historical P/E ratio, EBIT multiple, and P/S ratio
CNP Assurances annual returns
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Annual Return
ⓘWhat This Chart Shows
This chart breaks down 's total annual return into two components: price return (gains or losses from stock price movement) and dividend return (income received from dividend payments). Together, they represent the total return an investor would have earned in each calendar year.
Price Return
Price return measures the percentage change in 's stock price from January 1st to December 31st of each year. Positive bars indicate the stock appreciated; negative bars show a decline. This is the component most investors focus on, but it tells only part of the story — especially for dividend-paying stocks.
Dividend Return
Dividend return represents the income generated from dividends paid during the year, expressed as a percentage of the starting stock price. While it may seem small in any single year (typically 1–4 % for established companies), dividends compound significantly over decades and have historically contributed roughly 40 % of total stock market returns.
What to Look For
Examine how many years showed positive vs. negative returns to gauge consistency. A stock with mostly positive years and small drawdowns suggests lower risk. Also compare 's annual returns to a benchmark index — consistently outperforming the market is a hallmark of a strong investment. Pay attention to the worst years: understanding downside risk is just as important as chasing upside potential.
CNP Assurances shares outstanding
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CNP Assurances Dividend History
22 years of dividend payments
CNP Assurances dividend payout ratio
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CNP Assurances Earnings Estimates
CNP Assurances Earnings Estimates
| Date | EPS estimate | Revenue Estimate | Quarterly report |
|---|---|---|---|
| 7/29/2019 | 0.99EUR | 2.01 BEUR | 2019 Q2 |
| 7/31/2017 | -EUR | 17.01 BEUR | 2017 Q2 |
| 7/31/2009 | -EUR | 17.52 BEUR | 2009 Q2 |
| 8/27/2008 | -EUR | 14.29 BEUR | 2008 Q2 |
| 3/4/2008 | 1.38EUR | -EUR | 2007 Q4 |
CNP Assurances shareholder structure
| % | Name |
|---|---|
85.24792% | |
1.78627% | |
0.59917% | |
0.45732% | |
0.34198% | |
0.28034% | |
0.27357% | |
0.2492% | |
0.21522% | |
0.20827% |
CNP Assurances Executives and Management Board
Mr. Xavier Larnaudie-Eiffel
(64)Deputy Chief Executive Officer, Member of the Executive Committee
Mr. Stephane Dedeyan
(56)Chief Executive Officer, Member of the Executive Committee
Ms. Veronique Weill
(62)Independent Chairwoman of the Board of Director
Ms. Rose-Marie Van Lerberghe
(75)Independent Director
Ms. Stephane Pallez
(62)Independent Director
Frequently asked questions about CNP Assurances
CNP Assurances SA is primarily present in France, where it has established a strong market presence. As a leading French insurance company, CNP Assurances SA also operates in other countries and regions, including Spain, Brazil, Italy, Argentina, and Portugal. With a focus on providing life insurance, savings, pensions, and wealth management products, CNP Assurances SA has expanded its reach internationally while maintaining its core operations in France.
CNP Assurances stock
CNP Assurances Peer Group
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CNP Assurances FIGI
All fundamentals and in-depth analysis of CNP Assurances
Our stock analysis for CNP Assurances Revenue stock includes important financial indicators such as revenue, profit, P/E ratio, P/S ratio, EBIT, as well as information on dividends. We also assess aspects such as stocks, market capitalization, debt, equity, and liabilities of CNP Assurances Revenue. If you are looking for more detailed information on these topics, we offer comprehensive analyses on our subpages.