Caisse Régionale de Crédit Agricole Mutuel Loire Haute-Loire Société coopérative Past Earnings Performance
Past criteria checks 1/6
Caisse Régionale de Crédit Agricole Mutuel Loire Haute-Loire Société coopérative's earnings have been declining at an average annual rate of -2.3%, while the Banks industry saw earnings growing at 25.3% annually. Revenues have been growing at an average rate of 0.2% per year. Caisse Régionale de Crédit Agricole Mutuel Loire Haute-Loire Société coopérative's return on equity is 2.6%, and it has net margins of 18.5%.
Key information
-2.3%
Earnings growth rate
-3.7%
EPS growth rate
| Banks Industry Growth | 21.2% |
| Revenue growth rate | 0.2% |
| Return on equity | 2.6% |
| Net Margin | 18.5% |
| Last Earnings Update | 31 Dec 2023 |
Recent past performance updates
No updates
Recent updates
Revenue & Expenses Breakdown
How Caisse Régionale de Crédit Agricole Mutuel Loire Haute-Loire Société coopérative makes and spends money. Based on latest reported earnings, on an LTM basis.
Earnings and Revenue History
| Date | Revenue | Earnings | G+A Expenses | R&D Expenses |
|---|---|---|---|---|
| 31 Dec 23 | 365 | 68 | 15 | 0 |
| 31 Dec 22 | 394 | 85 | 15 | 0 |
| 30 Jun 22 | 414 | 99 | 15 | 0 |
| 31 Mar 22 | 409 | 97 | 15 | 0 |
| 31 Dec 21 | 404 | 96 | 15 | 0 |
| 30 Sep 21 | 408 | 100 | 14 | 0 |
| 30 Jun 21 | 412 | 105 | 14 | 0 |
| 31 Mar 21 | 390 | 87 | 15 | 0 |
| 31 Dec 20 | 367 | 70 | 15 | 0 |
| 30 Sep 20 | 359 | 64 | 16 | 0 |
| 30 Jun 20 | 351 | 59 | 14 | 0 |
| 31 Mar 20 | 373 | 76 | 14 | 0 |
| 31 Dec 19 | 395 | 92 | 14 | 0 |
| 30 Sep 19 | 397 | 96 | 11 | 0 |
| 30 Jun 19 | 399 | 101 | 11 | 0 |
| 31 Mar 19 | 398 | 100 | 10 | 0 |
| 31 Dec 18 | 396 | 100 | 9 | 0 |
| 30 Sep 18 | 403 | 99 | 10 | 0 |
| 30 Jun 18 | 409 | 98 | 12 | 0 |
| 31 Mar 18 | 413 | 101 | 12 | 0 |
| 31 Dec 17 | 418 | 104 | 13 | 0 |
| 30 Sep 17 | 409 | 102 | 13 | 0 |
| 30 Jun 17 | 400 | 99 | 13 | 0 |
| 31 Mar 17 | 404 | 105 | 12 | 0 |
| 31 Dec 16 | 407 | 111 | 11 | 0 |
| 30 Sep 16 | 414 | 116 | 9 | 0 |
| 30 Jun 16 | 421 | 121 | 7 | 0 |
| 31 Mar 16 | 416 | 114 | 7 | 0 |
| 31 Dec 15 | 410 | 107 | 7 | 0 |
| 30 Sep 15 | 403 | 104 | 8 | 0 |
| 30 Jun 15 | 397 | 101 | 8 | 0 |
| 31 Mar 15 | 393 | 102 | 8 | 0 |
| 31 Dec 14 | 390 | 103 | 8 | 0 |
| 30 Sep 14 | 392 | 100 | 8 | 0 |
| 30 Jun 14 | 395 | 97 | 7 | 0 |
| 31 Mar 14 | 386 | 93 | 7 | 0 |
| 31 Dec 13 | 376 | 88 | 7 | 0 |
| 30 Sep 13 | 364 | 82 | 7 | 0 |
Quality Earnings: 0ITP has high quality earnings.
Growing Profit Margin: 0ITP's current net profit margins (18.5%) are lower than last year (21.6%).
Free Cash Flow vs Earnings Analysis
Past Earnings Growth Analysis
Earnings Trend: 0ITP's earnings have declined by 2.3% per year over the past 5 years.
Accelerating Growth: 0ITP's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: 0ITP had negative earnings growth (-20.5%) over the past year, making it difficult to compare to the Banks industry average (7.9%).
Return on Equity
High ROE: 0ITP's Return on Equity (2.6%) is considered low.