BATS-CHIXE:CRBP2P

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Caisse Régionale de Crédit Agricole Mutuel Brie Picardie Société coopérative

Executive Summary

Caisse Régionale de Crédit Agricole Mutuel Brie Picardie Société coopérative provides a range of banking and financial products and services to individuals, farmers, professionals, businesses, companies, associations, and public authorities. More Details


Snowflake Analysis

Flawless balance sheet and undervalued.

Share Price & News

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


Latest Share Price and Events

Stable Share Price: Insufficient data to determine CRBP2P's volatility over the past 3 months.

Volatility Over Time: Insufficient data to determine CRBP2P's volatility change over the past year.


Market Performance


7 Day Return

9.9%

CRBP2P

4.8%

GB Banks

0.0002%

GB Market


1 Year Return

-31.0%

CRBP2P

-28.6%

GB Banks

-10.0%

GB Market

Return vs Industry: CRBP2P underperformed the UK Banks industry which returned -28.6% over the past year.

Return vs Market: CRBP2P underperformed the UK Market which returned -10% over the past year.


Shareholder returns

CRBP2PIndustryMarket
7 Day9.9%4.8%0.0002%
30 Day25.1%28.1%10.0%
90 Day3.7%27.6%7.0%
1 Year-31.0%-31.0%-28.4%-28.6%-6.4%-10.0%
3 Year-7.6%-15.5%-35.1%-41.4%1.3%-11.1%
5 Year9.1%-11.8%-19.3%-32.7%25.7%-2.9%

Long-Term Price Volatility Vs. Market

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


Simply Wall St News

No news available

Valuation

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

23.7%

Undervalued compared to fair value


Share Price vs. Fair Value

Below Fair Value: CRBP2P (€21.15) is trading below our estimate of fair value (€27.72)

Significantly Below Fair Value: CRBP2P is trading below fair value by more than 20%.


Price To Earnings Ratio

PE vs Industry: CRBP2P is good value based on its PE Ratio (10.1x) compared to the GB Banks industry average (11.2x).

PE vs Market: CRBP2P is good value based on its PE Ratio (10.1x) compared to the UK market (20.4x).


Price to Earnings Growth Ratio

PEG Ratio: Insufficient data to calculate CRBP2P's PEG Ratio to determine if it is good value.


Price to Book Ratio

PB vs Industry: CRBP2P is good value based on its PB Ratio (0.3x) compared to the GB Banks industry average (0.6x).


Next Steps

Future Growth

How is Caisse Régionale de Crédit Agricole Mutuel Brie Picardie Société coopérative forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?

46.4%

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 Brie Picardie 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.


Next Steps

Past Performance

How has Caisse Régionale de Crédit Agricole Mutuel Brie Picardie Société coopérative performed over the past 5 years?

-3.6%

Historical annual earnings growth


Earnings and Revenue History

Quality Earnings: CRBP2P has high quality earnings.

Growing Profit Margin: CRBP2P's current net profit margins (22.2%) are lower than last year (33.3%).


Past Earnings Growth Analysis

Earnings Trend: CRBP2P's earnings have declined by 3.6% per year over the past 5 years.

Accelerating Growth: CRBP2P's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.

Earnings vs Industry: CRBP2P had negative earnings growth (-43.4%) over the past year, making it difficult to compare to the Banks industry average (-25.7%).


Return on Equity

High ROE: CRBP2P's Return on Equity (2.9%) is considered low.


Next Steps

Financial Health

How is Caisse Régionale de Crédit Agricole Mutuel Brie Picardie 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: CRBP2P's Assets to Equity ratio (9x) is low.

Allowance for Bad Loans: CRBP2P has a sufficient allowance for bad loans (117%).

Low Risk Liabilities: 88% of CRBP2P's liabilities are made up of primarily low risk sources of funding.

Loan Level: CRBP2P has an appropriate level of Loans to Assets ratio (74%).

Low Risk Deposits: CRBP2P's Loans to Deposits ratio (95%) is appropriate.

Level of Bad Loans: CRBP2P has an appropriate level of bad loans (1.2%).


Next Steps

Dividend

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

5.52%

Current Dividend Yield


Dividend Yield vs Market

Notable Dividend: CRBP2P's dividend (5.52%) is higher than the bottom 25% of dividend payers in the UK market (1.72%).

High Dividend: CRBP2P's dividend (5.52%) is in the top 25% of dividend payers in the UK market (4.94%)


Stability and Growth of Payments

Stable Dividend: CRBP2P's dividend payments have been volatile in the past 10 years.

Growing Dividend: CRBP2P's dividend payments have fallen over the past 10 years.


Current Payout to Shareholders

Dividend Coverage: With its reasonable payout ratio (55.6%), CRBP2P's dividend payments are 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?

7.2yrs

Average board tenure


CEO

Guillaume Rousseau (61 yo)

7yrs

Tenure

€413,921

Compensation

Mr. Guillaume Rousseau has been Chief Executive Officer of Caisse Régionale de Crédit Agricole Mutuel Brie Picardie SC since November 1, 2013. Mr. Rousseau has served as Chairman of the Board at Bforbank S...


CEO Compensation Analysis

Compensation vs Market: Guillaume's total compensation ($USD492.82K) is below average for companies of similar size in the UK market ($USD1.79M).

Compensation vs Earnings: Guillaume's compensation has been consistent with company performance over the past year.


Board Members

NamePositionTenureCompensationOwnership
Antoine Berthe
Vice Chairman of the Boardno datano datano data
Philippe de Waal
President of the Board5.67yrs€73.87kno data
Jérôme Garnier
Directorno datano datano data
Patrice Gregoire
Directorno datano datano data
Bruno Levesque
Directorno datano datano data
Chantal Farce
Director8.67yrsno datano data
Hervé Bournonville
Director7.67yrsno datano data
Xavier Grymonprez
Director6.67yrsno datano data
Odile Salmon
Director7.67yrsno datano data
Francine Bollet
Directorno datano datano data
Éric Jeanty
Director5.67yrsno datano data
Lydie Larue
Directorno datano datano data

7.2yrs

Average Tenure

64yo

Average Age

Experienced Board: CRBP2P's board of directors are considered experienced (7.2 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 Régionale de Crédit Agricole Mutuel Brie Picardie Société coopérative's company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Caisse Régionale de Crédit Agricole Mutuel Brie Picardie Société coopérative
  • Ticker: CRBP2P
  • Exchange: BATS-CHIXE
  • Founded:
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: €1.130b
  • Shares outstanding: 54.26m
  • Website: https://www.credit-agricole.fr/ca-briepicardie

Number of Employees


Location

  • Caisse Régionale de Crédit Agricole Mutuel Brie Picardie Société coopérative
  • 500 rue Saint-Fuscien
  • Cedex 3
  • Amiens
  • Picardy
  • 80095
  • France

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
CRBP2ENXTPA (Euronext Paris)YesCo-Operative Investment CertificatesFREURJun 2007
CRBP2PBATS-CHIXE (BATS 'Chi-X Europe')YesCo-Operative Investment CertificatesGBEURJun 2007
0GTILSE (London Stock Exchange)YesCo-Operative Investment CertificatesGBEURJun 2007

Biography

Caisse Régionale de Crédit Agricole Mutuel Brie Picardie Société coopérative provides a range of banking and financial products and services to individuals, farmers, professionals, businesses, companies, a...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2020/11/26 19:55
End of Day Share Price2020/11/25 00:00
Earnings2020/06/30
Annual Earnings2019/12/31


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.