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Caisse Régionale de Crédit Agricole Mutuel Alpes Provence Société coopérative

Market Cap

€696.8m

Last Updated

2021/05/10 18:37 UTC

Data Sources

Company Financials

Executive Summary

Caisse Régionale de Crédit Agricole Mutuel Alpes Provence Société coopérative provides banking products and services in France. More Details


Snowflake Analysis

Excellent balance sheet second-rate dividend payer.

Share Price & News

How has Caisse Régionale de Crédit Agricole Mutuel Alpes Provence Société coopérative's share price performed over time and what events caused price changes?


Latest Share Price and Events

Stable Share Price: CRAP is less volatile than 75% of French stocks over the past 3 months, typically moving +/- 3% a week.

Volatility Over Time: CRAP's weekly volatility (3%) has been stable over the past year.


Market Performance


7 Day Return

3.8%

CRAP

3.6%

FR Banks

0.6%

FR Market


1 Year Return

-21.2%

CRAP

75.1%

FR Banks

43.0%

FR Market

Return vs Industry: CRAP underperformed the French Banks industry which returned 70% over the past year.

Return vs Market: CRAP underperformed the French Market which returned 42% over the past year.


Shareholder returns

CRAPIndustryMarket
7 Day3.8%3.6%0.6%
30 Day0%7.3%3.4%
90 Day6.2%27.3%11.3%
1 Year-19.8%-21.2%76.3%75.1%46.4%43.0%
3 Year-5.4%-13.1%-4.2%-15.6%28.7%18.3%
5 Year53.1%30.9%47.7%18.2%86.7%60.1%

Long-Term Price Volatility Vs. Market

How volatile is Caisse Régionale de Crédit Agricole Mutuel Alpes Provence Société coopérative's share price compared to the market and industry in the last 5 years?


Simply Wall St News

Valuation

Is Caisse Régionale de Crédit Agricole Mutuel Alpes Provence Société coopérative undervalued compared to its fair value and its price relative to the market?

25.43x

Price to Earnings (PE) ratio


Share Price vs. Fair Value

Below Fair Value: CRAP (€94.5) is trading above our estimate of fair value (€93.64)

Significantly Below Fair Value: CRAP is trading above our estimate of fair value.


Price To Earnings Ratio

PE vs Industry: CRAP is poor value based on its PE Ratio (25.4x) compared to the FR Banks industry average (12.2x).

PE vs Market: CRAP is poor value based on its PE Ratio (25.4x) compared to the French market (23.8x).


Price to Earnings Growth Ratio

PEG Ratio: Insufficient data to calculate CRAP's PEG Ratio to determine if it is good value.


Price to Book Ratio

PB vs Industry: CRAP's PB Ratio (0.3x) is in line with the FR Banks industry average.


Future Growth

How is Caisse Régionale de Crédit Agricole Mutuel Alpes Provence Société coopérative 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 Régionale de Crédit Agricole Mutuel Alpes Provence Société coopérative 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 Régionale de Crédit Agricole Mutuel Alpes Provence Société coopérative performed over the past 5 years?

-12.6%

Historical annual earnings growth


Earnings and Revenue History

Quality Earnings: CRAP has high quality earnings.

Growing Profit Margin: CRAP's current net profit margins (14.2%) are lower than last year (19.5%).


Past Earnings Growth Analysis

Earnings Trend: CRAP's earnings have declined by 12.6% per year over the past 5 years.

Accelerating Growth: CRAP's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.

Earnings vs Industry: CRAP had negative earnings growth (-35.4%) over the past year, making it difficult to compare to the Banks industry average (-32.9%).


Return on Equity

High ROE: CRAP's Return on Equity (1.9%) is considered low.


Financial Health

How is Caisse Régionale de Crédit Agricole Mutuel Alpes Provence Société coopérative'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: CRAP's Assets to Equity ratio (9.4x) is low.

Allowance for Bad Loans: CRAP has a low allowance for bad loans (100%).

Low Risk Liabilities: 89% of CRAP's liabilities are made up of primarily low risk sources of funding.

Loan Level: CRAP has an appropriate level of Loans to Assets ratio (70%).

Low Risk Deposits: CRAP's Loans to Deposits ratio (88%) is appropriate.

Level of Bad Loans: CRAP has an appropriate level of bad loans (2%).


Dividend

What is Caisse Régionale de Crédit Agricole Mutuel Alpes Provence Société coopérative current dividend yield, its reliability and sustainability?

3.96%

Current Dividend Yield


Dividend Yield vs Market

Notable Dividend: CRAP's dividend (3.96%) is higher than the bottom 25% of dividend payers in the French market (1.3%).

High Dividend: CRAP's dividend (3.96%) is low compared to the top 25% of dividend payers in the French market (3.98%).


Stability and Growth of Payments

Stable Dividend: CRAP's dividends per share have been stable in the past 10 years.

Growing Dividend: CRAP's dividend payments have increased over the past 10 years.


Current Payout to Shareholders

Dividend Coverage: With its high payout ratio (100.6%), CRAP's dividend payments are not 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?


CEO

Serge Magdeleine (48 yo)

1.42yrs

Tenure

Mr. Serge Magdeleine serves as Chief Executive Officer of Caisse Régionale de Crédit Agricole Mutuel Alpes Provence, SC since December 6, 2019. He served as the Head of Digital Journey at Crédit Agricole S...


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 Régionale de Crédit Agricole Mutuel Alpes Provence Société coopérative's company bio, employee growth, exchange listings and data sources


Key Information


Number of Employees


Location

  • Caisse Régionale de Crédit Agricole Mutuel Alpes Provence Société coopérative
  • 25 Chemin des Trois Cyprès
  • Cedex 2
  • Aix-en-Provence
  • Provence-Alpes-Côte d'Azur
  • 13097
  • France

Listings


Biography

Caisse Régionale de Crédit Agricole Mutuel Alpes Provence Société coopérative provides banking products and services in France. The company offers accounts and cards; savings products; auto and 2-wheeler, ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2021/05/10 18:37
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.