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Caisse Regionale de Credit Agricole Mutuel Toulouse 31

Market Cap

€426.9m

Last Updated

2021/05/10 18:34 UTC

Data Sources

Company Financials

Executive Summary

Caisse Regionale de Credit Agricole Mutuel Toulouse 31 operates as a cooperative bank in France. More Details


Snowflake Analysis

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.


Market Performance


7 Day Return

0.9%

CAT31

3.6%

FR Banks

0.6%

FR Market


1 Year Return

-16.1%

CAT31

75.1%

FR Banks

43.0%

FR Market

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.


Shareholder returns

CAT31IndustryMarket
7 Day0.9%3.6%0.6%
30 Day-0.8%7.3%3.4%
90 Day0.9%27.3%11.3%
1 Year-9.3%-16.1%76.3%75.1%46.4%43.0%
3 Year-6.7%-16.7%-4.2%-15.6%28.7%18.3%
5 Year30.4%6.6%47.7%18.2%86.7%60.1%

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

Valuation

Is Caisse Regionale de Credit Agricole Mutuel Toulouse 31 undervalued compared to its fair value and its price relative to the market?

33.9%

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.


Future Growth

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?

14.5%

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.


Past Performance

How has Caisse Regionale de Credit Agricole Mutuel Toulouse 31 performed over the past 5 years?

-17.6%

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.


Financial Health

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


Balance Sheet


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%).


Dividend

What is Caisse Regionale de Credit Agricole Mutuel Toulouse 31 current dividend yield, its reliability and sustainability?

3.54%

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.


Next Steps

Management

How experienced are the management team and are they aligned to shareholders interests?

4.7yrs

Average board tenure


CEO

Nicolas Langevin (57 yo)

6.08yrs

Tenure

€406,143

Compensation

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.


Board Members

Experienced Board: CAT31's board of directors are considered experienced (4.7 years average tenure).


Ownership

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.


Ownership Breakdown

Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.


Top Shareholders

Company Information

Caisse Regionale de Credit Agricole Mutuel Toulouse 31's company bio, employee growth, exchange listings and data sources


Key Information


Number of Employees


Location

  • Caisse Regionale de Credit Agricole Mutuel Toulouse 31
  • 6, place Jeanne d'Arc
  • Toulouse
  • Midi-Pyrénées
  • 31005
  • France

Listings


Biography

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

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2021/05/10 18:34
End of Day Share Price2021/05/10 00:00
Earnings2020/12/31
Annual Earnings2020/12/31


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.