BATS-CHIXE:CRSUP

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Caisse Régionale de Crédit Agricole Mutuel Sud Rhône Alpes

Executive Summary

Caisse Régionale de Crédit Agricole Mutuel Sud Rhône Alpes provides various banking products and services in France. More Details


Snowflake Analysis

Excellent balance sheet average dividend payer.

Share Price & News

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


Latest Share Price and Events

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

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


Market Performance


7 Day Return

0%

CRSUP

3.1%

GB Banks

-0.3%

GB Market


1 Year Return

n/a

CRSUP

-30.2%

GB Banks

-11.0%

GB Market

Return vs Industry: Insufficient data to determine how CRSUP performed against the UK Banks industry.

Return vs Market: Insufficient data to determine how CRSUP performed against the UK Market.


Shareholder returns

CRSUPIndustryMarket
7 Day0%3.1%-0.3%
30 Day-1.8%24.9%10.2%
90 Dayn/a23.9%6.4%
1 Yearn/a-30.0%-30.2%-7.4%-11.0%
3 Yearn/a-35.8%-42.0%0.9%-11.5%
5 Yearn/a-19.8%-33.0%26.5%-2.5%

Long-Term Price Volatility Vs. Market

How volatile is Caisse Régionale de Crédit Agricole Mutuel Sud Rhône Alpes'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 Sud Rhône Alpes undervalued compared to its fair value and its price relative to the market?

12.7%

Undervalued compared to fair value


Share Price vs. Fair Value

Below Fair Value: CRSUP (€145.48) is trading below our estimate of fair value (€166.68)

Significantly Below Fair Value: CRSUP is trading below fair value, but not by a significant amount.


Price To Earnings Ratio

PE vs Industry: CRSUP is poor value based on its PE Ratio (15.1x) compared to the GB Banks industry average (11.2x).

PE vs Market: CRSUP is good value based on its PE Ratio (15.1x) compared to the UK market (20.4x).


Price to Earnings Growth Ratio

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


Price to Book Ratio

PB vs Industry: CRSUP 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 Sud Rhône Alpes forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?

46.3%

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 Sud Rhône Alpes 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 Sud Rhône Alpes performed over the past 5 years?

-8.6%

Historical annual earnings growth


Earnings and Revenue History

Quality Earnings: CRSUP has high quality earnings.

Growing Profit Margin: CRSUP's current net profit margins (14.2%) are lower than last year (25.9%).


Past Earnings Growth Analysis

Earnings Trend: CRSUP's earnings have declined by 8.6% per year over the past 5 years.

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

Earnings vs Industry: CRSUP had negative earnings growth (-55.6%) over the past year, making it difficult to compare to the Banks industry average (-25.7%).


Return on Equity

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


Next Steps

Financial Health

How is Caisse Régionale de Crédit Agricole Mutuel Sud Rhône Alpes'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: CRSUP's Assets to Equity ratio (10.1x) is moderate.

Allowance for Bad Loans: CRSUP has a low allowance for bad loans (99%).

Low Risk Liabilities: 90% of CRSUP's liabilities are made up of primarily low risk sources of funding.

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

Low Risk Deposits: CRSUP's Loans to Deposits ratio (92%) is appropriate.

Level of Bad Loans: CRSUP has an appropriate level of bad loans (1.1%).


Next Steps

Dividend

What is Caisse Régionale de Crédit Agricole Mutuel Sud Rhône Alpes's current dividend yield, its reliability and sustainability?

4.09%

Current Dividend Yield


Dividend Yield vs Market

Notable Dividend: CRSUP's dividend (4.09%) is higher than the bottom 25% of dividend payers in the UK market (1.72%).

High Dividend: CRSUP's dividend (4.09%) is low compared to the top 25% of dividend payers in the UK market (4.94%).


Stability and Growth of Payments

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

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


Current Payout to Shareholders

Dividend Coverage: With its reasonable payout ratio (61.7%), CRSUP'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?

9.7yrs

Average board tenure


CEO

Christian Rouchon (60 yo)

13.58yrs

Tenure

€459,019

Compensation

Mr. Christian Rouchon has been the Chief Executive Officer of Credit Agricole Sud Rhone Alpes since April 2007. He serves as Chief Executive Officer of Caisse régionale du Crédit Agricole Sud Rhône Alpes, ...


CEO Compensation Analysis

Compensation vs Market: Christian's total compensation ($USD546.52K) is below average for companies of similar size in the UK market ($USD1.05M).

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


Board Members

NamePositionTenureCompensationOwnership
Bernard Clavel
Secretary & Director14.67yrsno datano data
Jean-Luc Allemand
Treasurer & Director8.67yrsno datano data
Jean-Pierre Gaillard
Chairman of the Board14.67yrs€81.00kno data
Philippe Costet
Vice President of the Board9.83yrsno datano data
Nathaly Peyrachon
Vice President of the Boardno datano datano data
Jean-Henri Brunel
Vice President of the Board1.67yrsno datano data
Claude Giraud
Director13.67yrsno datano data
Chantal Mathieu
Director6.67yrsno datano data
André Moins
Director9.67yrsno datano data
Gisèle Sibeud
Director15.67yrsno datano data
Catherine De Zanet
Director6.67yrsno datano data
Corinne Vitton
Director5.67yrsno datano data

9.7yrs

Average Tenure

60yo

Average Age

Experienced Board: CRSUP's board of directors are considered experienced (9.7 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 Régionale de Crédit Agricole Mutuel Sud Rhône Alpes's company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Caisse Régionale de Crédit Agricole Mutuel Sud Rhône Alpes
  • Ticker: CRSUP
  • Exchange: BATS-CHIXE
  • Founded: 1996
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: €713.847m
  • Shares outstanding: 4.55m
  • Website: https://www.credit-agricole.fr/ca-sudrhonealpes

Number of Employees


Location

  • Caisse Régionale de Crédit Agricole Mutuel Sud Rhône Alpes
  • 12 place de la Résistance
  • Cedex 9
  • Grenoble
  • Rhône-Alpes
  • 38041
  • France

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
CRSUENXTPA (Euronext Paris)YesCo-Operative Investment CertificatesFREURJun 1996
0O3QLSE (London Stock Exchange)YesCo-Operative Investment CertificatesGBEURJun 1996
CRSUPBATS-CHIXE (BATS 'Chi-X Europe')YesCo-Operative Investment CertificatesGBEURJun 1996

Biography

Caisse Régionale de Crédit Agricole Mutuel Sud Rhône Alpes provides various banking products and services in France. The company offers accounts and cards; loans; and savings and insurance products. It ope...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2020/11/26 19:09
End of Day Share Price2020/11/19 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.