Caisse Regionale de Credit Agricole Mutuel Toulouse 31 operates as a cooperative bank in France. More Details
Excellent balance sheet and good value.
Share Price & News
How has Caisse Regionale de Credit Agricole Mutuel Toulouse 31's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: CAT31 is not significantly more volatile than the rest of French stocks over the past 3 months, typically moving +/- 3% a week.
Volatility Over Time: CAT31's weekly volatility (3%) has been stable over the past year.
7 Day Return
1 Year Return
Return vs Industry: CAT31 underperformed the French Banks industry which returned 70% over the past year.
Return vs Market: CAT31 underperformed the French Market which returned 42% over the past year.
Long-Term Price Volatility Vs. Market
How volatile is Caisse Regionale de Credit Agricole Mutuel Toulouse 31's share price compared to the market and industry in the last 5 years?
Simply Wall St News
1 month ago | Simply Wall StWhy It Might Not Make Sense To Buy Caisse Regionale de Credit Agricole Mutuel Toulouse 31 (EPA:CAT31) For Its Upcoming Dividend
2 months ago | Simply Wall StHow Much Did Caisse Regionale de Credit Agricole Mutuel Toulouse 31's(EPA:CAT31) Shareholders Earn From Share Price Movements Over The Last Year?
4 months ago | Simply Wall StDoes Caisse Regionale de Credit Agricole Mutuel Toulouse 31 (EPA:CAT31) Have A Place In Your Dividend Portfolio?
Is Caisse Regionale de Credit Agricole Mutuel Toulouse 31 undervalued compared to its fair value and its price relative to the market?
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: CAT31 (€93.3) is trading below our estimate of fair value (€141.25)
Significantly Below Fair Value: CAT31 is trading below fair value by more than 20%.
Price To Earnings Ratio
PE vs Industry: CAT31 is good value based on its PE Ratio (12.1x) compared to the FR Banks industry average (12.2x).
PE vs Market: CAT31 is good value based on its PE Ratio (12.1x) compared to the French market (23.8x).
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate CAT31's PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: CAT31's PB Ratio (0.3x) is in line with the FR Banks industry average.
How is Caisse Regionale de Credit Agricole Mutuel Toulouse 31 forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
Forecasted Banks industry annual growth in earnings
In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as Caisse Regionale de Credit Agricole Mutuel Toulouse 31 has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.
This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.
How has Caisse Regionale de Credit Agricole Mutuel Toulouse 31 performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: CAT31 has high quality earnings.
Growing Profit Margin: CAT31's current net profit margins (15.4%) are lower than last year (25%).
Past Earnings Growth Analysis
Earnings Trend: CAT31's earnings have declined by 17.6% per year over the past 5 years.
Accelerating Growth: CAT31's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: CAT31 had negative earnings growth (-45.2%) over the past year, making it difficult to compare to the Banks industry average (-32.9%).
Return on Equity
High ROE: CAT31's Return on Equity (2.2%) is considered low.
How is Caisse Regionale de Credit Agricole Mutuel Toulouse 31's financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Financial Institutions Analysis
Asset Level: CAT31's Assets to Equity ratio (8.8x) is low.
Allowance for Bad Loans: CAT31 has a low allowance for bad loans (93%).
Low Risk Liabilities: 91% of CAT31's liabilities are made up of primarily low risk sources of funding.
Loan Level: CAT31 has an appropriate level of Loans to Assets ratio (76%).
Low Risk Deposits: CAT31's Loans to Deposits ratio (94%) is appropriate.
Level of Bad Loans: CAT31 has an appropriate level of bad loans (1.5%).
What is Caisse Regionale de Credit Agricole Mutuel Toulouse 31 current dividend yield, its reliability and sustainability?
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: CAT31's dividend (3.54%) is higher than the bottom 25% of dividend payers in the French market (1.3%).
High Dividend: CAT31's dividend (3.54%) is low compared to the top 25% of dividend payers in the French market (3.98%).
Stability and Growth of Payments
Stable Dividend: CAT31's dividend payments have been volatile in the past 10 years.
Growing Dividend: CAT31's dividend payments have fallen over the past 10 years.
Current Payout to Shareholders
Dividend Coverage: With its reasonably low payout ratio (42.8%), CAT31's dividend payments are well covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: Insufficient data to determine if a dividend will be paid in 3 years and that it will be covered by earnings.
How experienced are the management team and are they aligned to shareholders interests?
Average board tenure
Nicolas Langevin (57 yo)
Mr. Nicolas Langevin serves as a Non-Executive Director of Cassa di Risparmio di Parma e Piacenza S.p.A. Mr. Langevin served as Director of Crédit Agricole Leasing & Factoring SA.
CEO Compensation Analysis
Compensation vs Market: Nicolas's total compensation ($USD493.91K) is about average for companies of similar size in the French market ($USD557.80K).
Compensation vs Earnings: Nicolas's compensation has been consistent with company performance over the past year.
Experienced Board: CAT31's board of directors are considered experienced (4.7 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Caisse Regionale de Credit Agricole Mutuel Toulouse 31's company bio, employee growth, exchange listings and data sources
- Name: Caisse Regionale de Credit Agricole Mutuel Toulouse 31
- Ticker: CAT31
- Exchange: ENXTPA
- Founded: NaN
- Industry: Regional Banks
- Sector: Banks
- Market Cap: €426.860m
- Shares outstanding: 4.59m
- Website: https://www.credit-agricole.fr/ca-toulouse31/particulier.html
Number of Employees
- Caisse Regionale de Credit Agricole Mutuel Toulouse 31
- 6, place Jeanne d'Arc
Caisse Regionale de Credit Agricole Mutuel Toulouse 31 operates as a cooperative bank in France. It offers bank accounts and cards, savings products, real estate loans, and consumer credit facilities. The ...
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2021/05/10 18:34|
|End of Day Share Price||2021/05/10 00:00|
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.