0GTI Stock Overview

Provides a range of banking and financial products and services to individuals, farmers, professionals, businesses, and public authorities in France. More details

0GTI fundamental analysis
Snowflake Score
Valuation	3/6
Future Growth	0/6
Past Performance	2/6
Financial Health	6/6
Dividends	3/6

Rewards

Trading at 47.8% below our estimate of its fair value

Risk Analysis

Shares are highly illiquid

Revenue has declined by 2.2% over the past year

Latest financial reports are more than 6 months old

Unstable dividend track record

My Notes

Capture your thoughts, links and company narrative

Caisse Régionale de Crédit Agricole Mutuel Brie Picardie Société coopérative Competitors

TBC Bank Group

LSE:TBCG

UK£1.7b

Bank of Georgia Group

LSE:BGEO

UK£2.0b

Close Brothers Group

LSE:CBG

UK£363.2m

Halyk Bank of Kazakhstan

LSE:HSBK

US$5.4b

Price History & Performance

Summary of share price highs, lows and changes for Caisse Régionale de Crédit Agricole Mutuel Brie Picardie Société coopérative
Historical stock prices
Current Share Price	€18.64
52 Week High	€19.04
52 Week Low	€17.00
Beta	0.56
1 Month Change	-0.85%
3 Month Change	n/a
1 Year Change	7.62%
3 Year Change	-12.89%
5 Year Change	n/a
Change since IPO	-20.70%

Recent updates

Shareholder Returns

	0GTI	GB Banks	GB Market
7D	-0.9%	6.1%	3.2%
1Y	7.6%	54.3%	10.9%

Return vs Industry: 0GTI underperformed the UK Banks industry which returned 54.3% over the past year.

Return vs Market: 0GTI underperformed the UK Market which returned 10.9% over the past year.

Price Volatility

Is 0GTI's price volatile compared to industry and market?
0GTI volatility
0GTI Average Weekly Movement	n/a
Banks Industry Average Movement	4.1%
Market Average Movement	4.9%
10% most volatile stocks in GB Market	10.8%
10% least volatile stocks in GB Market	2.6%

Stable Share Price: 0GTI's share price has been volatile over the past 3 months compared to the UK market.

Volatility Over Time: Insufficient data to determine 0GTI's volatility change over the past year.

About the Company

Founded	Employees	CEO	Website
2005	2,505	Guillaume Rousseau	www.credit-agricole.fr

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, and public authorities in France. The company offers limited savings offers, savings booklets and term savings, real estate investments, solidarity savings and socially responsible investments, stock market and financial investments, and retirement savings solutions; bank accounts and related services, debit and credit cards, mobile payment services, and e-document services, as well as magazines. It also provides life, car and 2-wheel, personal, borrower, home, and leisure and daily, insurance products; and mortgage loans, consumer and vehicle credits, and work credits.

Caisse Régionale de Crédit Agricole Mutuel Brie Picardie Société coopérative Fundamentals Summary

How do Caisse Régionale de Crédit Agricole Mutuel Brie Picardie Société coopérative's earnings and revenue compare to its market cap?
0GTI fundamental statistics
Market cap	€1.03b
Earnings (TTM)	€199.05m
Revenue (TTM)	€626.00m

5.2x

P/E Ratio

0.2x

P/B Ratio

Is 0GTI overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
0GTI income statement (TTM)
Revenue	€626.00m
Cost of Revenue	€0
Gross Profit	€626.00m
Other Expenses	€426.95m
Earnings	€199.05m

Last Reported Earnings

Dec 31, 2023

Next Earnings Date

n/a

Earnings per share (EPS)	3.60
Gross Margin	100.00%
Net Profit Margin	31.80%
Debt/Equity Ratio	34.9%

How did 0GTI perform over the long term?

See historical performance and comparison

Dividends

5.9%

Current Dividend Yield

21%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2025/01/19 12:03
End of Day Share Price	2025/01/13 00:00
Earnings	2023/12/31
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 Brie Picardie 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