CRAP Stock Overview

Provides banking products and services in France. More details

CRAP fundamental analysis
Snowflake Score
Valuation	4/6
Future Growth	0/6
Past Performance	3/6
Financial Health	4/6
Dividends	3/6

Rewards

Trading at 63.9% below our estimate of its fair value

Earnings have grown 17.3% per year over the past 5 years

Risk Analysis

Unstable dividend track record

My Notes

Capture your thoughts, links and company narrative

Caisse Régionale de Crédit Agricole Mutuel Alpes Provence Société coopérative Competitors

Caisse Régionale de Crédit Agricole Mutuel Sud Rhône Alpes

ENXTPA:CRSU

€568.9m

Caisse régionale de Crédit Agricole Mutuel Atlantique Vendée

ENXTPA:CRAV

€627.8m

Caisse Régionale de Crédit Agricole Mutuel Loire Haute-Loire Société coopérative

ENXTPA:CRLO

€482.0m

Caisse Régionale de Crédit Agricole Mutuel de Normandie-Seine Société coopérative

ENXTPA:CCN

€492.5m

Price History & Performance

Summary of share price highs, lows and changes for Caisse Régionale de Crédit Agricole Mutuel Alpes Provence Société coopérative
Historical stock prices
Current Share Price	€79.50
52 Week High	€83.00
52 Week Low	€68.51
Beta	0.67
1 Month Change	-1.38%
3 Month Change	11.19%
1 Year Change	11.19%
3 Year Change	0%
5 Year Change	-36.40%
Change since IPO	25.30%

Recent updates

Caisse Régionale de Crédit Agricole Mutuel Alpes Provence Société coopérative (EPA:CRAP) Share Prices Have Dropped 34% In The Last Year

Feb 13

Looking For Steady Income For Your Dividend Portfolio? Is Caisse Régionale de Crédit Agricole Mutuel Alpes Provence Société coopérative (EPA:CRAP) A Good Fit?

Dec 19

Shareholder Returns

	CRAP	FR Banks	FR Market
7D	4.3%	-0.6%	-0.6%
1Y	11.2%	-0.7%	-4.0%

Return vs Industry: CRAP exceeded the French Banks industry which returned -0.7% over the past year.

Return vs Market: CRAP exceeded the French Market which returned -4.1% over the past year.

Price Volatility

Is CRAP's price volatile compared to industry and market?
CRAP volatility
CRAP Average Weekly Movement	2.3%
Banks Industry Average Movement	2.7%
Market Average Movement	4.6%
10% most volatile stocks in FR Market	9.7%
10% least volatile stocks in FR Market	2.3%

Stable Share Price: CRAP has not had significant price volatility in the past 3 months compared to the French market.

Volatility Over Time: CRAP's weekly volatility (2%) has been stable over the past year.

About the Company

Founded	Employees	CEO	Website
1885	2,168	Serge Magdeleine	www.credit-agricole.fr/ca-alpesprovence/particulier.html

Caisse Régionale de Crédit Agricole Mutuel Alpes Provence Société coopérative provides banking products and services in France. The company offers bank accounts; cards; e-documents; savings products; pension and employee savings products; real estate and consumer credit loans; cash management, business creation finance, medium term credit, and leasing services. It also provides life, health, employee, professional vehicle, activity, car and two-wheeler, personal, home, leisure and daily, borrowers, and professional premises insurance products.

Caisse Régionale de Crédit Agricole Mutuel Alpes Provence Société coopérative Fundamentals Summary

How do Caisse Régionale de Crédit Agricole Mutuel Alpes Provence Société coopérative's earnings and revenue compare to its market cap?
CRAP fundamental statistics
Market cap	€591.32m
Earnings (TTM)	€127.48m
Revenue (TTM)	€434.27m

4.6x

P/E Ratio

0.2x

P/B Ratio

Is CRAP overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
CRAP income statement (TTM)
Revenue	€434.27m
Cost of Revenue	€0
Gross Profit	€434.27m
Other Expenses	€306.79m
Earnings	€127.48m

Last Reported Earnings

Jun 30, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	17.14
Gross Margin	100.00%
Net Profit Margin	29.36%
Debt/Equity Ratio	391.0%

How did CRAP perform over the long term?

See historical performance and comparison

Dividends

4.7%

Current Dividend Yield

22%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2024/12/18 04:10
End of Day Share Price	2024/12/18 00:00
Earnings	2024/06/30
Annual Earnings	2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* example for US securities, for non-US equivalent regulatory forms and sources are used.

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.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

Caisse Régionale de Crédit Agricole Mutuel Alpes Provence Société coopérative is covered by 0 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution