Xavier LarnaudieEiffel - CNP Assurances CEO
CEO
Mr. Xavier LarnaudieEiffel was Second Chief Executive Officer in charge of Regulatory Issues at CNP Assurances S.A. since November 16, 2018. He was previously Deputy Chief Executive Officer, Director of International Operations, Development and Partnerships, Member of the Executive Committee from July 10, 2007. He was also Director of International Operations, Member of the Executive Committee at the Company from December 16, 2003. During his career as a senior civil servant, he held positions at several prefectures, before becoming Principal Private Secretary of the Junior Minister for Research and Higher Education in 1986. In 1988, he joined the French Treasury, where he held various international positions, before becoming Advisor to the Minister of the Economy on matters related to Europe and economic development in 1993. In 1994, he was appointed Junior Director of the Treasurys Insurance department, with responsibility for insurance industry regulation and supervision. From 1995 to 2000, he was Principal Private Secretary for the European Commissioner for economy and monetary affairs, devoting most of his time to preparing the introduction of the Euro. In March 2000, he became Vice Chairman of Solving International and, as such, Member of the Management Committee and Executive Board, with specific responsibility for the financial services and banking industry in Europe and Brazil. He graduated from Institut dEtudes Politiques de Bordeaux with a Masters in Law and Ecole Nationale dAdministration . since 2018.
| Age | 60 |
| Tenure | 6 years |
| Phone | 33 1 42 18 88 88 |
| Web | https://www.cnp.fr |
CNP Assurances Management Efficiency
The company has return on total asset (ROA) of 0.35 % which means that it generated a profit of $0.35 on every $100 spent on assets. This is way below average. Similarly, it shows a return on equity (ROE) of 7.29 %, meaning that it generated $7.29 on every $100 dollars invested by stockholders. CNP Assurances' management efficiency ratios could be used to measure how well CNP Assurances manages its routine affairs as well as how well it operates its assets and liabilities.The company has accumulated 26.4 B in total debt with debt to equity ratio (D/E) of 1.07, which is about average as compared to similar companies. CNP Assurances SA has a current ratio of 0.35, indicating that it has a negative working capital and may not be able to pay financial obligations in time and when they become due. Debt can assist CNP Assurances until it has trouble settling it off, either with new capital or with free cash flow. So, CNP Assurances' shareholders could walk away with nothing if the company can't fulfill its legal obligations to repay debt. However, a more frequent occurrence is when companies like CNP Assurances SA sell additional shares at bargain prices, diluting existing shareholders. Debt, in this case, can be an excellent and much better tool for CNP to invest in growth at high rates of return. When we think about CNP Assurances' use of debt, we should always consider it together with cash and equity.
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Management Performance
| Return On Equity | 7.29 | |||
| Return On Asset | 0.35 |
CNP Assurances SA Leadership Team
Elected by the shareholders, the CNP Assurances' board of directors comprises two types of representatives: CNP Assurances inside directors who are chosen from within the company, and outside directors, selected externally and held independent of CNP. The board's role is to monitor CNP Assurances' management team and ensure that shareholders' interests are well served. CNP Assurances' inside directors are responsible for reviewing and approving budgets prepared by upper management to implement core corporate initiatives and projects. On the other hand, CNP Assurances' outside directors are responsible for providing unbiased perspectives on the board's policies.
| Marie Grison, Member of the Executive Committee, Director of Risk | ||
| Philippe Haecke, Member of the Executive Committee, Programmes and Information Systems Manager | ||
| Thomas Behar, Director of Technical Affairs, Member of the Executive Committee | ||
| Frdric Lavenir, CEO, Member of the Executive Committee, Director | ||
| Eric Lombard, Director - Representative of Caisse des Depots | ||
| Thomas Chardonnel, Member of the Executive Committee, Director of Business Unit BPCE | ||
| Remy Weber, Director | ||
| Herve Thoumyre, Director of the Customer Experience and Information Systems, Member of the Executive Committee | ||
| PierreRene Lemas, Director - Representative of Caisse des Depots et Consignations | ||
| Martine Vareilles, Member of the Executive Committee, Director of La Banque Postale Business Unit | ||
| Laurence Guitard, Director, Employee Representative | ||
| Laurent Mignon, Director - Representative of Sopassure | ||
| Jim Root, Investor Relations Contact | ||
| Thierry Claudon, Member of the Executive Committee - Director of Latin America Business Unit | ||
| Delphine Chaisemartin, Director | ||
| Olivier Guigne, Investment Director, Member of the Executive Committee | ||
| Laurent Jumelle, Member of the Executive Committee, Latin America Business Unit | ||
| Philippe Bartoli, Director, Employee Representative | ||
| MarcAndre Feffer, Director - Representative of Sopassure | ||
| Philippe Wahl, Director | ||
| Patrick Berthelot, Director - Representative of Works Council | ||
| Florence Lustman, Director | ||
| Charles Sarrazin, Director - Representative of the French State | ||
| Hugues Vauplane, Secretary of the Board of Directors | ||
| Michel Bois, Programmes and Information Systems Director and Member of Executive Board | ||
| Nadia Remadna, Director - Representative of Works Council | ||
| Huguette Rellier, Secretary of the Board of Directors | ||
| Valerie BaronLoison, Director - Representative of Works Council | ||
| Franck Silvent, Director | ||
| Pauline CornuThenard, Director | ||
| JeanYves Forel, Director | ||
| Vincent Damas, Head of relations with investors, analysts and rating agencies | ||
| Xavier LarnaudieEiffel, Deputy CEO, Director of International Operations, Development and Partnerships, Member of the Executive Committee | ||
| Yves Couturier, Head of Open Model Bus. Unit and Member of Executive Board | ||
| Olivier Mareuse, Director | ||
| Corinne Gouthiere, Director of Policyholders Service, Member of the Executive Committee | ||
| Antoine Lissowski, CFO, Deputy CEO of Fin. and Member of Executive Board | ||
| PierreNicolas Carissan, Member of the Executive Committee, Development of Creditor and Personal Risk Insurance in Europe | ||
| Magaly Simeon, Member of the Executive Committee, Director of Social Protection and Services Business Unit | ||
| Berengere Grandjean, Director of Human Resources, Member of the Executive Committee | ||
| Stephane Pallez, Independent Director | ||
| Laurence Giraudon, Director - Representative of Caisse des Depots | ||
| RoseMarie Lerberghe, Independent Director | ||
| Philippe Baumlin, Director | ||
| Marcia Campbell, Independent Director | ||
| Nicolas Legrand, Head of relations with investors, analysts and rating agencies | ||
| Antoine Saintoyant, Director - Representative of the French State | ||
| Alexandra Basso, Director - Representative of Caisse des Depots | ||
| Virginie Jeu, Director | ||
| AnneSophie Grave, Director | ||
| Magali Noe, Member of the Executive Committee, Chief Digital Officer | ||
| Bertrand Walckenaer, Director, Representative of the French State | ||
| Olivier Pekmezian, Secretary to the Board of Directors | ||
| Olivier Sichel, Director - Representative of Caisse des Depots | ||
| Bruno Chamboncel, Director, Works Council Representative | ||
| Francois Perol, Director | ||
| JeanPaul Faugere, Chairman of the Board of Directors and Independent Director | ||
| Odile RenaudBasso, Director | ||
| Pascal Oliveau, Director - Representative of Works Council | ||
| Frederic Lavenir, CEO, Member of Executive Board and Director | ||
| Olivier Fabas, Director - Representative of Caisse des Depots |
CNP Stock Performance Indicators
The ability to make a profit is the ultimate goal of any investor. But to identify the right pink sheet is not an easy task. Is CNP Assurances a good investment? Although profit is still the single most important financial element of any organization, multiple performance indicators can help investors identify the equity that they will appreciate over time.
| Return On Equity | 7.29 | |||
| Return On Asset | 0.35 | |||
| Profit Margin | 3.39 % | |||
| Operating Margin | 6.12 % | |||
| Current Valuation | (64.89 B) | |||
| Shares Outstanding | 1.37 B | |||
| Price To Earning | 9.73 X | |||
| Price To Book | 0.76 X | |||
| Price To Sales | 0.34 X | |||
| Revenue | 46.06 B |
Some investors attempt to determine whether the market's mood is bullish or bearish by monitoring changes in market sentiment. Unlike more traditional methods such as technical analysis, investor sentiment usually refers to the aggregate attitude towards CNP Assurances in the overall investment community. So, suppose investors can accurately measure the market's sentiment. In that case, they can use it for their benefit. For example, some tools to gauge market sentiment could be utilized using contrarian indexes, CNP Assurances' short interest history, or implied volatility extrapolated from CNP Assurances options trading.
Pair Trading with CNP Assurances
One of the main advantages of trading using pair correlations is that every trade hedges away some risk. Because there are two separate transactions required, even if CNP Assurances position performs unexpectedly, the other equity can make up some of the losses. Pair trading also minimizes risk from directional movements in the market. For example, if an entire industry or sector drops because of unexpected headlines, the short position in CNP Assurances will appreciate offsetting losses from the drop in the long position's value.The ability to find closely correlated positions to Microsoft could be a great tool in your tax-loss harvesting strategies, allowing investors a quick way to find a similar-enough asset to replace Microsoft when you sell it. If you don't do this, your portfolio allocation will be skewed against your target asset allocation. So, investors can't just sell and buy back Microsoft - that would be a violation of the tax code under the "wash sale" rule, and this is why you need to find a similar enough asset and use the proceeds from selling Microsoft to buy it.
The correlation of Microsoft is a statistical measure of how it moves in relation to other instruments. This measure is expressed in what is known as the correlation coefficient, which ranges between -1 and +1. A perfect positive correlation (i.e., a correlation coefficient of +1) implies that as Microsoft moves, either up or down, the other security will move in the same direction. Alternatively, perfect negative correlation means that if Microsoft moves in either direction, the perfectly negatively correlated security will move in the opposite direction. If the correlation is 0, the equities are not correlated; they are entirely random. A correlation greater than 0.8 is generally described as strong, whereas a correlation less than 0.5 is generally considered weak.
Correlation analysis and pair trading evaluation for Microsoft can also be used as hedging techniques within a particular sector or industry or even over random equities to generate a better risk-adjusted return on your portfolios.Check out Trending Equities to better understand how to build diversified portfolios. Also, note that the market value of any company could be tightly coupled with the direction of predictive economic indicators such as signals in nation. Note that the CNP Assurances SA information on this page should be used as a complementary analysis to other CNP Assurances' statistical models used to find the right mix of equity instruments to add to your existing portfolios or create a brand new portfolio. You can also try the Portfolio Holdings module to check your current holdings and cash postion to detemine if your portfolio needs rebalancing.
Other Consideration for investing in CNP Pink Sheet
If you are still planning to invest in CNP Assurances SA check if it may still be traded through OTC markets such as Pink Sheets or OTC Bulletin Board. You may also purchase it directly from the company, but this is not always possible and may require contacting the company directly. Please note that delisted stocks are often considered to be more risky investments, as they are no longer subject to the same regulatory and reporting requirements as listed stocks. Therefore, it is essential to carefully research the CNP Assurances' history and understand the potential risks before investing.
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