Caisse régionale de Crédit Agricole Mutuel Atlantique Vendée provides banking products and services in France. More Details
Adequate balance sheet and slightly overvalued.
Share Price & News
How has Caisse régionale de Crédit Agricole Mutuel Atlantique Vendée's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: CRAV is not significantly more volatile than the rest of French stocks over the past 3 months, typically moving +/- 4% a week.
Volatility Over Time: CRAV's weekly volatility (4%) has been stable over the past year.
7 Day Return
1 Year Return
Return vs Industry: CRAV underperformed the French Banks industry which returned 70% over the past year.
Return vs Market: CRAV underperformed the French Market which returned 42% over the past year.
Long-Term Price Volatility Vs. Market
How volatile is Caisse régionale de Crédit Agricole Mutuel Atlantique Vendée's share price compared to the market and industry in the last 5 years?
Simply Wall St News
3 days ago | Simply Wall StCaisse régionale de Crédit Agricole Mutuel Atlantique Vendée (EPA:CRAV) Stock Goes Ex-Dividend In Just Four Days
1 month ago | Simply Wall StShould You Buy Caisse régionale de Crédit Agricole Mutuel Atlantique Vendée (EPA:CRAV) For Its Dividend?
Is Caisse régionale de Crédit Agricole Mutuel Atlantique Vendée 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: CRAV (€112.3) is trading below our estimate of fair value (€121.93)
Significantly Below Fair Value: CRAV is trading below fair value, but not by a significant amount.
Price To Earnings Ratio
PE vs Industry: CRAV is poor value based on its PE Ratio (15.8x) compared to the FR Banks industry average (12.2x).
PE vs Market: CRAV is good value based on its PE Ratio (15.8x) compared to the French market (23.8x).
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate CRAV's PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: CRAV's PB Ratio (0.3x) is in line with the FR Banks industry average.
How is Caisse régionale de Crédit Agricole Mutuel Atlantique Vendée 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 régionale de Crédit Agricole Mutuel Atlantique Vendée 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 régionale de Crédit Agricole Mutuel Atlantique Vendée performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: CRAV has high quality earnings.
Growing Profit Margin: CRAV's current net profit margins (14.5%) are lower than last year (26.1%).
Past Earnings Growth Analysis
Earnings Trend: CRAV's earnings have declined by 10.4% per year over the past 5 years.
Accelerating Growth: CRAV's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: CRAV had negative earnings growth (-53.2%) over the past year, making it difficult to compare to the Banks industry average (-32.9%).
Return on Equity
High ROE: CRAV's Return on Equity (1.7%) is considered low.
How is Caisse régionale de Crédit Agricole Mutuel Atlantique Vendée'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: CRAV's Assets to Equity ratio (8.4x) is low.
Allowance for Bad Loans: CRAV has a sufficient allowance for bad loans (102%).
Low Risk Liabilities: 67% of CRAV's liabilities are made up of primarily higher risk sources of funding.
Loan Level: CRAV has an appropriate level of Loans to Assets ratio (82%).
Low Risk Deposits: CRAV's Loans to Deposits ratio (284%) is high.
Level of Bad Loans: CRAV has an appropriate level of bad loans (1.3%).
What is Caisse régionale de Crédit Agricole Mutuel Atlantique Vendée current dividend yield, its reliability and sustainability?
Current Dividend Yield
Upcoming Dividend Payment
Dividend Yield vs Market
Notable Dividend: CRAV's dividend (2.78%) is higher than the bottom 25% of dividend payers in the French market (1.3%).
High Dividend: CRAV's dividend (2.78%) is low compared to the top 25% of dividend payers in the French market (3.98%).
Stability and Growth of Payments
Stable Dividend: CRAV's dividend payments have been volatile in the past 10 years.
Growing Dividend: CRAV's dividend payments have fallen over the past 10 years.
Current Payout to Shareholders
Dividend Coverage: With its reasonably low payout ratio (43.8%), CRAV'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
Nicole Gourmelon (57 yo)
Mrs. Nicole Gourmelon is Chief Executive Officer of the Regional Bank of Atlantique-Vendée and Crédit Agricole Regional Bank. Mrs. Gourmelon serves as Director General of Caisse Régionale de Crédit Agricol...
CEO Compensation Analysis
Compensation vs Market: Nicole's total compensation ($USD365.55K) is below average for companies of similar size in the French market ($USD561.10K).
Compensation vs Earnings: Insufficient data to compare Nicole's compensation with company performance.
Experienced Board: CRAV's board of directors are seasoned and experienced ( 10.2 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 régionale de Crédit Agricole Mutuel Atlantique Vendée's company bio, employee growth, exchange listings and data sources
- Name: Caisse régionale de Crédit Agricole Mutuel Atlantique Vendée
- Ticker: CRAV
- Exchange: ENXTPA
- Founded: NaN
- Industry: Regional Banks
- Sector: Banks
- Market Cap: €805.816m
- Shares outstanding: 7.39m
- Website: https://www.credit-agricole.fr/ca-atlantique-vendee
Number of Employees
- Caisse régionale de Crédit Agricole Mutuel Atlantique Vendée
- Route de Paris
- Cedex 9
- Pays de la Loire
Caisse régionale de Crédit Agricole Mutuel Atlantique Vendée provides banking products and services in France. It offers payment and account management services; mortgages and consumer credit products; and...
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2021/05/10 18:18|
|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.