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Caisse Régionale de Crédit Agricole Mutuel Alpes Provence

LSE:0O3R
Snowflake Description

Excellent balance sheet unattractive dividend payer.

The Snowflake is generated from 30 checks in 5 different areas, read more below.
0O3R
LSE
€861M
Market Cap
  1. Home
  2. GB
  3. Banks
Company description

Caisse Régionale de Crédit Agricole Mutuel Alpes Provence provides banking products and services in France. The last earnings update was 260 days ago. More info.


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  • Caisse Régionale de Crédit Agricole Mutuel Alpes Provence is a fund or ETF! Currently our data availability for these is poor, we only recommend using them as part of a portfolio.
0O3R Share Price and Events
7 Day Returns
0%
LSE:0O3R
2.3%
GB Banks
1.9%
GB Market
1 Year Returns
7.6%
LSE:0O3R
-7.8%
GB Banks
2.5%
GB Market
0O3R Shareholder Return
  7 Day 30 Day 90 Day 1 Year 3 Year 5 Year
Caisse Régionale de Crédit Agricole Mutuel Alpes Provence (0O3R) 0% 0% 2.7% 7.6% 41.1% 57.6%
GB Banks 2.3% 3.6% 4.4% -7.8% 16.1% -12.3%
GB Market 1.9% 3% 7.9% 2.5% 15.6% 6.8%
1 Year Return vs Industry and Market
  • 0O3R outperformed the Banks industry which returned -7.8% over the past year.
  • 0O3R outperformed the Market in United Kingdom of Great Britain and Northern Ireland which returned 2.5% over the past year.
Price Volatility
0O3R
Industry
5yr Volatility vs Market

Value

 Is Caisse Régionale de Crédit Agricole Mutuel Alpes Provence undervalued based on future cash flows and its price relative to the stock market?

Value is all about what a company is worth versus what price it is available for. If you went into a grocery store and all the bananas were on sale at half price, they could be considered undervalued.
INTRINSIC VALUE BASED ON FUTURE CASH FLOWS
Here we compare the current share price of Caisse Régionale de Crédit Agricole Mutuel Alpes Provence to its discounted cash flow analysis.value.

The discounted cash flow value is simply looking at what the company is worth today, based on estimates of how much money it is expected to make in the future.
Raw Data

Below are the data sources, inputs and calculation used to determine the intrinsic value for Caisse Régionale de Crédit Agricole Mutuel Alpes Provence.

LSE:0O3R Discounted Cash Flow Data Sources
Data Point Source Value
Valuation Model Excess Returns Model
Stable EPS Median Return on Equity from the past 5 years.
= Stable Book Value * Return on Equity
= €277.27 * 4%
€11.20
Book Value of Equity per Share Median Book Value from the past 5 years. €277.27
Discount Rate (Cost of Equity) See below 9.7%
Perpetual Growth Rate 10-Year GB Government Bond Rate 1.2%

An important part of a discounted cash flow is the discount rate, below we explain how it has been calculated.

Calculation of Discount Rate/ Cost of Equity for LSE:0O3R
Data Point Calculation/ Source Result
Risk-Free Rate 10-Year GB Govt Bond Rate 1.2%
Equity Risk Premium S&P Global 6.7%
Banks Unlevered Beta Simply Wall St/ S&P Global 0.59
Re-levered Beta = Unlevered beta (1 + (1- tax rate) (Debt/Equity))
= 0.593 (1 + (1- 33%) (207.97%))
1.281
Levered Beta Levered Beta limited to 0.8 to 2.0
(practical range for a stable firm)
1.28
Discount Rate/ Cost of Equity = Cost of Equity = Risk Free Rate + (Levered Beta * Equity Risk Premium)
= 1.23% + (1.281 * 6.65%)
9.74%

Discounted Cash Flow Calculation for LSE:0O3R using Excess Returns Model Model

The calculations below outline how an intrinsic value for Caisse Régionale de Crédit Agricole Mutuel Alpes Provence is arrived at using the Excess Return Model. This approach is used for finance firms where free cash flow is difficult to estimate.

In the Excess Return Model the value of a firm can be written as the sum of capital invested currently in the firm and the present value of excess returns that the firm expects to make in the future.

The model is sensitive to the Return on Equity of the company versus the Cost of Equity, how these are calculated is detailed below the main calculation.

Note the calculations below are per share.

See our documentation to learn about this calculation.

LSE:0O3R Value of Excess Returns
Calculation Result
Excess Returns = (Stable Return on equity – Cost of equity) (Book Value of Equity per share)
= (4% – 9.74%) * €277.27)
€-15.81
Terminal Value of Excess Returns = Excess Returns / (Cost of Equity - Expected Growth Rate)
= €-15.81 / (9.74% - 1.23%)
€-185.71
Value of Equity = Book Value per share + Terminal Value of Excess Returns
= €277.27 + €-185.71
€91.56
LSE:0O3R Discount to Share Price
Calculation Result
Non-primary Listing Adjustment Factor 1 share in LSE:0O3R represents 0.98269x of ENXTPA:CRAP
(This could be a different class, a depositary receipt, a different currency, or all of these things.)
0.98269x
Value per Share
(Listing Adjusted, EUR)
= Value per Share (EUR) x Listing Adjustment Factor
= € 91.56 x 0.98269
€89.97
Value per share (EUR) From above. €89.97
Current discount Discount to share price of €113.50
= -1 x (€113.50 - €89.97) / €89.97
-26.1%

Learn more about our DCF calculations in Simply Wall St’s analysis model .

  • The current share price of Caisse Régionale de Crédit Agricole Mutuel Alpes Provence is above its future cash flow value.
Often investors are willing to pay a premium for a company that has a high dividend or the potential for future growth.
PRICE RELATIVE TO MARKET
We can also value a company based on what the stock market is willing to pay for it. This is similar to the price of fruit (e.g. Mangoes or Avocados) increasing when they are out of season, or how much your home is worth.

The amount the stock market is willing to pay for Caisse Régionale de Crédit Agricole Mutuel Alpes Provence's earnings, growth and assets is considered below, and whether this is a fair price.
Price based on past earnings
Are Caisse Régionale de Crédit Agricole Mutuel Alpes Provence's earnings available for a low price, and how does this compare to other companies in the same industry?
Raw Data
LSE:0O3R PE (Price to Earnings) Ratio Data Sources
Data Point Source Value
Earnings Per Share * Company Filings (2018-06-30) in EUR €6.55
ENXTPA:CRAP Share Price ** ENXTPA (2019-03-29) in EUR €115.5
United Kingdom of Great Britain and Northern Ireland Banks Industry PE Ratio Median Figure of 15 Publicly-Listed Banks Companies 10.35x
United Kingdom of Great Britain and Northern Ireland Market PE Ratio Median Figure of 796 Publicly-Listed Companies 16.29x

* Trailing twelve months (TTM) annual GAAP earnings per share excluding extraordinary items.

** Primary Listing of Caisse Régionale de Crédit Agricole Mutuel Alpes Provence.

LSE:0O3R PE (Price to Earnings) Ratio Calculation
Calculation Outcome
PE Ratio

= ENXTPA:CRAP Share Price ÷ EPS (both in EUR)

= 115.5 ÷ 6.55

17.64x

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Caisse Régionale de Crédit Agricole Mutuel Alpes Provence is overvalued based on earnings compared to the GB Banks industry average.
  • Caisse Régionale de Crédit Agricole Mutuel Alpes Provence is overvalued based on earnings compared to the United Kingdom of Great Britain and Northern Ireland market.
Price based on expected Growth
Does Caisse Régionale de Crédit Agricole Mutuel Alpes Provence's expected growth come at a high price?
Raw Data
LSE:0O3R PEG (Price to Earnings to Growth) Ratio Data Sources
Data Point Source Value
PE Ratio See PE Ratio Section 17.64x
Net Income Annual Growth Rate See Future Growth Section.
Line of Best Fit* through Consensus Estimate Earnings of 0 Analysts
Not available
United Kingdom of Great Britain and Northern Ireland Banks Industry PEG Ratio Median Figure of 14 Publicly-Listed Banks Companies 0.86x
United Kingdom of Great Britain and Northern Ireland Market PEG Ratio Median Figure of 563 Publicly-Listed Companies 1.47x

*Line of best fit is calculated by linear regression .

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Unable to calculate PEG ratio for Caisse Régionale de Crédit Agricole Mutuel Alpes Provence, we can't assess if its growth is good value.
Price based on value of assets
What value do investors place on Caisse Régionale de Crédit Agricole Mutuel Alpes Provence's assets?
Raw Data
LSE:0O3R PB (Price to Book) Ratio Data Sources
Data Point Source Value
Book Value per Share Company Filings (2018-06-30) in EUR €329.44
ENXTPA:CRAP Share Price * ENXTPA (2019-03-29) in EUR €115.5
United Kingdom of Great Britain and Northern Ireland Banks Industry PB Ratio Median Figure of 16 Publicly-Listed Banks Companies 0.88x
United Kingdom of Great Britain and Northern Ireland Market PB Ratio Median Figure of 1,365 Publicly-Listed Companies 1.51x
LSE:0O3R PB (Price to Book) Ratio Calculation
Calculation Outcome
PB Ratio

= ENXTPA:CRAP Share Price ÷ Book Value per Share (both in EUR)

= 115.5 ÷ 329.44

0.35x

* Primary Listing of Caisse Régionale de Crédit Agricole Mutuel Alpes Provence.

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Caisse Régionale de Crédit Agricole Mutuel Alpes Provence is good value based on assets compared to the GB Banks industry average.
X
Value checks
We assess Caisse Régionale de Crédit Agricole Mutuel Alpes Provence's value by looking at:
  1. Is the discounted cash flow value less than 20%, or 40% of the share price? (2 checks) ( Click here or on bar chart for details of DCF calculation. )
  2. Is the PE ratio less than the market average, and/ or less than the Banks industry average (and greater than 0)? (2 checks)
  3. Is the PEG ratio within a reasonable range (0 to 1)? (1 check)
  4. Is the PB ratio less than the Banks industry average (and greater than 0)? (1 check)
  5. Caisse Régionale de Crédit Agricole Mutuel Alpes Provence has a total score of 1/6, see the detailed checks below.

    Note: We use GAAP Earnings per Share in all our calculations including PE and PEG Ratio.

    Full details on the Value part of the Simply Wall St company analysis model.

Future Performance

 How is Caisse Régionale de Crédit Agricole Mutuel Alpes Provence expected to perform in the next 1 to 3 years based on estimates from 0 analysts?

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 Alpes Provence 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 Simply Wall St do have past financial data. You can see them here.

Show me the analysis anyway

The future performance of a company is measured in the same way as past performance, by looking at estimated growth and how much profit it is expected to make.

Future estimates come from professional analysts. Just like forecasting the weather, they don’t always get it right!
Annual Growth Rate
12.6%
Expected Banks industry annual growth in earnings.
Earnings growth vs Low Risk Savings
Is Caisse Régionale de Crédit Agricole Mutuel Alpes Provence expected to grow at an attractive rate?
  • Unable to compare Caisse Régionale de Crédit Agricole Mutuel Alpes Provence's earnings growth to the low risk savings rate as no estimate data is available.
Growth vs Market Checks
  • Unable to compare Caisse Régionale de Crédit Agricole Mutuel Alpes Provence's earnings growth to the United Kingdom of Great Britain and Northern Ireland market average as no estimate data is available.
  • Unable to compare Caisse Régionale de Crédit Agricole Mutuel Alpes Provence's revenue growth to the United Kingdom of Great Britain and Northern Ireland market average as no estimate data is available.
Annual Growth Rates Comparison
Raw Data
LSE:0O3R Future Growth Rates Data Sources
Data Point Source Value (per year)
United Kingdom of Great Britain and Northern Ireland Banks Industry Earnings Growth Rate Market Cap Weighted Average 12.6%
United Kingdom of Great Britain and Northern Ireland Banks Industry Revenue Growth Rate Market Cap Weighted Average 4.5%
United Kingdom of Great Britain and Northern Ireland Market Earnings Growth Rate Market Cap Weighted Average 10.9%
United Kingdom of Great Britain and Northern Ireland Market Revenue Growth Rate Market Cap Weighted Average 4.8%

*Line of best fit is calculated by linear regression .

Industry and Market average data is calculated daily.

Learn more about our growth rate calculations in Simply Wall St’s analysis model.

Analysts growth expectations
Raw Data
LSE:0O3R Analysts Growth Expectations Data Sources
Data Point Source Value
Past Financials Company Filings (9 months ago) See Below
Future Estimates Average of up to 0 Analyst Estimates (S&P Global) See Below
All numbers in EUR Millions and using Trailing twelve months (TTM) annual period rather than quarterly.
LSE:0O3R Past Financials Data
Date (Data in EUR Millions) Revenue Cash Flow Net Income *
2018-06-30 355 338 49
2018-03-31 393 78
2017-12-31 393 232 80
2017-09-30 393 372 84
2017-06-30 392 512 88
2017-03-31 364 70
2016-12-31 357 608 68
2016-09-30 367 354 78
2016-06-30 377 100 89
2016-03-31 391 93
2015-12-31 401 -39 98
2015-09-30 400 -114 95

*GAAP earnings excluding extraordinary items.

Super high growth metrics
High Growth Checks
  • Unable to determine if Caisse Régionale de Crédit Agricole Mutuel Alpes Provence is high growth as no earnings estimate data is available.
  • Unable to determine if Caisse Régionale de Crédit Agricole Mutuel Alpes Provence is high growth as no revenue estimate data is available.
Past and Future Earnings per Share
The accuracy of the analysts who estimate the future performance data can be gauged below. We look back 3 years and see if they were any good at predicting what actually occurred. We also show the highest and lowest estimates looking forward to see if there is a wide range.
Raw Data
LSE:0O3R Past and Future Earnings per Share
Data Point Source Value
Past Financials Company Filings (9 months ago) See Below
Future Estimates Average of up to 0 Analyst Estimates (S&P Global) See Below

All data from Caisse Régionale de Crédit Agricole Mutuel Alpes Provence Company Filings, last reported 9 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

LSE:0O3R Past Financials Data
Date (Data in EUR Millions) EPS *
2018-06-30 6.55
2018-03-31
2017-12-31 10.73
2017-09-30 11.24
2017-06-30 11.75
2017-03-31
2016-12-31 9.11
2016-09-30 10.46
2016-06-30 11.82
2016-03-31
2015-12-31 13.02
2015-09-30 12.74

*GAAP earnings excluding extraordinary items.

Performance in 3 years
In the same way as past performance we look at the future estimated return (profit) compared to the available funds. We do this looking forward 3 years.
  • Unable to establish if Caisse Régionale de Crédit Agricole Mutuel Alpes Provence will efficiently use shareholders’ funds in the future without estimates of Return on Equity.

Next steps:

  1. Examine Caisse Régionale de Crédit Agricole Mutuel Alpes Provence's financial health to determine how well-positioned it is against times of financial stress by looking at its level of debt over time and how much cash it has left.
  2. Caisse Régionale de Crédit Agricole Mutuel Alpes Provence's future outlook can be gauged by looking at industry trends and market size, and determining how well-positioned the company is compared to its competitors. Take a look at other high-growth Banks companies here
  3. Caisse Régionale de Crédit Agricole Mutuel Alpes Provence's competitive advantages and company strategy can generally be found in its financial reports archived here.
  4. Use fundamentals to screen for another stock to analyse from our database of over 75,000 companies worldwide
X
Future performance checks
We assess Caisse Régionale de Crédit Agricole Mutuel Alpes Provence's future performance by looking at:
  1. Is the annual earnings growth rate expected to beat the low risk savings rate, plus a premium to keep pace with inflation?
  2. Is the annual earnings growth rate expected to beat the average growth rate in earnings of the United Kingdom of Great Britain and Northern Ireland market? (1 check)
  3. Is the annual revenue growth rate expected to beat the average growth rate in revenue of the United Kingdom of Great Britain and Northern Ireland market? (1 check)
  4. Is the annual earnings growth rate expected to be above 20%? (1 check)
  5. Is the annual revenue growth rate expected to be above 20%? (1 check)
  6. Is the Return on Equity in 3 years expected to be over 20%? (1 check)
Some of the above checks will fail if the company is expected to be loss making in the relevant year.
Caisse Régionale de Crédit Agricole Mutuel Alpes Provence has a total score of 0/6, see the detailed checks below.

Note 1: We use GAAP Net Income Excluding Exceptional Items for our Earnings in all our calculations.

Full details on the Future part of the Simply Wall St company analysis model.

Past Performance

  How has Caisse Régionale de Crédit Agricole Mutuel Alpes Provence performed over the past 5 years?

  • Caisse Régionale de Crédit Agricole Mutuel Alpes Provence's last earnings update was 260 days ago.
The past performance of a company can be measured by how much growth it has experienced and how much profit it makes relative to the funds and assets it has available.
Past earnings growth
Below we compare Caisse Régionale de Crédit Agricole Mutuel Alpes Provence's growth in the last year to its industry (Banks).
Past Earnings growth analysis
We also check if the company has grown in the past 5 years, and whether it has maintained that growth in the year.
  • Caisse Régionale de Crédit Agricole Mutuel Alpes Provence's year on year earnings growth rate was negative over the past 5 years and the most recent earnings are below average.
  • Caisse Régionale de Crédit Agricole Mutuel Alpes Provence's 1-year earnings growth is negative, it can't be compared to the 5-year average.
  • Caisse Régionale de Crédit Agricole Mutuel Alpes Provence's 1-year earnings growth is negative, it can't be compared to the GB Banks industry average.
Earnings and Revenue History
Caisse Régionale de Crédit Agricole Mutuel Alpes Provence's revenue and profit over the past 5 years is shown below, any years where they have experienced a loss will show up in red.
Raw Data

All data from Caisse Régionale de Crédit Agricole Mutuel Alpes Provence Company Filings, last reported 9 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

LSE:0O3R Past Revenue, Cash Flow and Net Income Data
Date (Data in EUR Millions) Revenue Net Income * G+A Expenses R&D Expenses
2018-06-30 355.12 48.82 12.53
2018-03-31 393.07 77.74 12.84
2017-12-31 393.37 80.04 12.84
2017-09-30 392.75 83.89 13.01
2017-06-30 392.14 87.74 13.18
2017-03-31 363.69 69.90 13.35
2016-12-31 356.99 68.20 13.35
2016-09-30 367.04 78.37 13.23
2016-06-30 377.09 88.55 13.11
2016-03-31 391.49 93.41 12.72
2015-12-31 400.79 97.51 12.72
2015-09-30 399.65 95.47 12.60
2015-06-30 398.51 93.43 12.48
2015-03-31 391.56 82.90 9.46
2014-12-31 393.70 90.72 12.48
2014-09-30 406.47 96.73 12.65
2014-06-30 419.25 104.17 12.82
2014-03-31 405.54 90.05 16.41
2013-12-31 407.01 87.63 13.39
2013-09-30 394.81 79.46 13.46
2013-06-30 382.60 71.29 13.53
2013-03-31 377.06 78.16 13.82
2012-12-31 373.96 75.76 13.82
2012-09-30 284.29 74.64 23.57
2012-06-30 371.65 85.84 14.35

*GAAP earnings excluding extraordinary items.

Performance last year
We want to ensure a company is making the most of what it has available. This is done by comparing the return (profit) to a company's available funds, assets and capital.
  • Caisse Régionale de Crédit Agricole Mutuel Alpes Provence has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).
  • Caisse Régionale de Crédit Agricole Mutuel Alpes Provence used its assets less efficiently than the GB Banks industry average last year based on Return on Assets.
  • Unable to establish if Caisse Régionale de Crédit Agricole Mutuel Alpes Provence improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.
X
Past performance checks
We assess Caisse Régionale de Crédit Agricole Mutuel Alpes Provence's performance over the past 5 years by checking for:
  1. Has earnings increased in past 5 years? (1 check)
  2. Has the earnings growth in the last year exceeded that of the Banks industry? (1 check)
  3. Is the recent earnings growth over the last year higher than the average annual growth over the past 5 years? (1 check)
  4. Is the Return on Equity (ROE) higher than 20%? (1 check)
  5. Is the Return on Assets (ROA) above industry average? (1 check)
  6. Has the Return on Capital Employed (ROCE) increased from 3 years ago? (1 check)
The above checks will fail if the company has reported a loss in the most recent earnings report. Some checks require at least 3 or 5 years worth of data.
Caisse Régionale de Crédit Agricole Mutuel Alpes Provence has a total score of 0/6, see the detailed checks below.

Note: We use GAAP Net Income excluding extraordinary items in all our calculations.

Full details on the Past part of the Simply Wall St company analysis model.

Health

 How is Caisse Régionale de Crédit Agricole Mutuel Alpes Provence's financial position? (This company is analysed differently as a bank or financial institution)

This company is a bank or financial institution.

Fundamentally a bank's business is based upon borrowing and lending money, for this reason they typically have high levels of debt and we analyse them differently.
Net Worth
Balance sheet
This treemap shows a more detailed breakdown of Caisse Régionale de Crédit Agricole Mutuel Alpes Provence's finances. If any of them are yellow this indicates they may be out of proportion and red means they relate to one of the checks below.
Assets
Liabilities and shares
The 'shares' portion represents any funds contributed by the owners (shareholders) and any profits.
Historical Debt
Nearly all companies have debt. Debt in itself isn’t bad, however if the debt is too high, or the company can’t afford to pay the interest on its debts this may have impacts in the future.

The graphic below shows equity (available funds) and debt, we ideally want to see the red area (debt) decreasing.

If there is any debt we look at the companies capability to repay it, and whether the level has increased over the past 5 years.
Raw Data

All data from Caisse Régionale de Crédit Agricole Mutuel Alpes Provence Company Filings, last reported 9 months ago.

LSE:0O3R Past Debt and Equity Data
Date (Data in EUR Millions) Total Equity Total Debt Cash & Short Term Investments
2018-06-30 2,456.69 1,791.25 910.14
2018-03-31 2,183.38 1,754.79 773.46
2017-12-31 2,183.38 1,754.79 773.46
2017-09-30 2,183.38 1,754.79 773.46
2017-06-30 2,141.84 1,692.15 667.88
2017-03-31 2,076.60 1,533.46 699.16
2016-12-31 2,076.60 1,533.46 699.16
2016-09-30 2,076.60 1,533.46 699.16
2016-06-30 2,076.65 1,712.96 839.71
2016-03-31 2,040.32 1,475.45 583.12
2015-12-31 2,040.32 1,475.45 583.12
2015-09-30 2,040.32 1,475.45 583.12
2015-06-30 2,013.69 1,649.73 663.18
2015-03-31 1,971.74 1,802.75 730.15
2014-12-31 1,971.74 1,802.75 730.15
2014-09-30 1,971.18 1,802.75 730.15
2014-06-30 1,937.25 1,679.13 871.87
2014-03-31 1,937.25 1,679.13 871.87
2013-12-31 1,891.88 1,907.70 370.17
2013-09-30 1,891.88 1,907.70 370.17
2013-06-30 1,847.39 2,464.66 500.45
2013-03-31 1,826.40 3,375.31 573.29
2012-12-31 1,826.40 3,375.31 573.29
2012-09-30 1,826.40 3,375.31 573.29
2012-06-30 1,804.74 3,252.57 491.81
BANK ANALYSIS

This company is a bank or financial institution, which is analysed accordingly below.

Below we check the amount of loans the bank has, how many of those are bad, and its ability to cover any bad loans.
  • Caisse Régionale de Crédit Agricole Mutuel Alpes Provence has an acceptable proportion of non-loan assets held.
  • Caisse Régionale de Crédit Agricole Mutuel Alpes Provence's liabilities are made up of primarily low risk sources of funding.
  • Loans at Caisse Régionale de Crédit Agricole Mutuel Alpes Provence are broadly funded by customer deposits.
  • Caisse Régionale de Crédit Agricole Mutuel Alpes Provence's level of assets compared to its equity is low (i.e. an appropriate level of borrowing to fund lending).
  • Caisse Régionale de Crédit Agricole Mutuel Alpes Provence has a sufficient allowance for bad loans.
  • Caisse Régionale de Crédit Agricole Mutuel Alpes Provence has a high level of bad loans (greater than 2%).
X
Financial health checks
We assess Caisse Régionale de Crédit Agricole Mutuel Alpes Provence's financial health by checking for:
  1. Are short term assets greater than short term liabilities? (1 check)
  2. Are short term assets greater than long term liabilities? (1 check)
  3. Has the debt to equity ratio increased in the past 5 years? (1 check)
  4. Is the debt to equity ratio over 40%? (1 check)
  5. Is the debt covered by operating cash flow? (1 check)
  6. Are earnings greater than 5x the interest on debt (if company pays interest at all)? (1 check)
  7. Caisse Régionale de Crédit Agricole Mutuel Alpes Provence has a total score of 5/6, see the detailed checks below.
For companies that are loss making and have been so on average in the past we replace the last 2 checks with:
  1. Does cash and short term investments cover stable operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)
  2. Does cash and short term investments cover growing operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)


Full details on the Health part of the Simply Wall St company analysis model.

Dividends

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

Dividends are regular cash payments to you from the company, similar to a bank paying you interest on a savings account.
Annual Dividend Income
Dividend payments
3%
Current annual income from Caisse Régionale de Crédit Agricole Mutuel Alpes Provence dividends.
If you bought €2,000 of Caisse Régionale de Crédit Agricole Mutuel Alpes Provence shares you are expected to receive €60 in your first year as a dividend.
Dividend Amount
Here we look how much dividend is being paid, if any. Is it above what you can get in a savings account? It is up there with the best dividend paying companies?
  • Caisse Régionale de Crédit Agricole Mutuel Alpes Provence's pays a higher dividend yield than the bottom 25% of dividend payers in United Kingdom of Great Britain and Northern Ireland (2.02%).
  • Caisse Régionale de Crédit Agricole Mutuel Alpes Provence's dividend is below the markets top 25% of dividend payers in United Kingdom of Great Britain and Northern Ireland (5.19%).
Upcoming dividend payment

Purchase Caisse Régionale de Crédit Agricole Mutuel Alpes Provence before the 'Buy Limit' to receive their next dividend payment.

Dividends are usually paid every 3 or 6 months, you can time your share purchase to take advantage of upcoming dividend payments.
Dividend payment calendar
Annualized Historical and Future Dividends
It is important to see if the dividend for a company is stable, and not wildly increasing/decreasing each year. This graph shows you the historical rate to count toward your assessment of the stock.

We also check to see if the dividend has increased in the past 10 years.
Raw Data
LSE:0O3R Annualized Past and Future Dividends
Data Point Source Value
Past Annualized Dividend Yield S&P Global Market Data See Below
Past Dividends per Share Company Filings/ Annualized Dividend Payments See Below
Future Dividends per Share Estimates Average of up to 0 Analyst Estimates (S&P Global) See Below
United Kingdom of Great Britain and Northern Ireland Banks Industry Average Dividend Yield Market Cap Weighted Average of 14 Stocks 4.9%
United Kingdom of Great Britain and Northern Ireland Market Average Dividend Yield Market Cap Weighted Average of 705 Stocks 4.2%
United Kingdom of Great Britain and Northern Ireland Minimum Threshold Dividend Yield 10th Percentile 1%
United Kingdom of Great Britain and Northern Ireland Bottom 25% Dividend Yield 25th Percentile 2%
United Kingdom of Great Britain and Northern Ireland Top 25% Dividend Yield 75th Percentile 5.2%

Industry and Market average data is calculated daily.

Note all dividend per share amounts are annualized and not quarterly or other period.

LSE:0O3R Past Annualized Dividends Data
Date (Data in €) Dividend per share (annual) Avg. Yield (%)
2018-03-09 3.460 3.167
2017-04-26 3.320 3.338
2016-04-25 3.320 4.150
2015-04-27 3.290 4.262
2014-04-24 3.330 4.765
2013-04-25 3.230 5.403
2012-08-03 2.900 6.675
2012-04-24 2.900 7.771
2011-04-18 2.640 5.448
2011-02-02 2.640 4.432
2010-04-30 2.210 3.915
2010-02-08 2.210 3.756
2009-04-20 4.200 7.928

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Dividends per share have been volatile in the past 10 years (annual drop of over 20%).
  • Dividends per share have fallen over the past 10 years.
Current Payout to shareholders
What portion of Caisse Régionale de Crédit Agricole Mutuel Alpes Provence's earnings are paid to the shareholders as a dividend.
  • Dividends paid are covered by earnings (1.9x coverage).
Future Payout to shareholders
  • Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.
X
Income/ dividend checks
We assess Caisse Régionale de Crédit Agricole Mutuel Alpes Provence's dividend by checking for:
  1. Firstly is the company paying a notable dividend (greater than 1%) - if not then the rest of the checks are ignored.
  2. Is current dividend yield above the bottom 25% of dividend payers? (1 check)
  3. Is current dividend yield above the top 25% of dividend payers? (1 check)
  4. Have they paid a dividend for 10 years, and during this period has the dividend been volatile (drop of more than 25%)? (1 check)
  5. If they have paid a dividend for 10 years has it increased in this time? (1 check)
  6. How sustainable is the dividend, can Caisse Régionale de Crédit Agricole Mutuel Alpes Provence afford to pay it from its earnings today and in 3 years (Payout ratio less than 90%)? (2 checks)
  7. Caisse Régionale de Crédit Agricole Mutuel Alpes Provence has a total score of 2/6, see the detailed checks below.


Full details on the Dividends part of the Simply Wall St company analysis model.

Management

 What is the CEO of Caisse Régionale de Crédit Agricole Mutuel Alpes Provence's salary, the management and board of directors tenure and is there insider trading?

Management is one of the most important areas of a company. We look at unreasonable CEO compensation, how long the team and board of directors have been around for and insider trading.
CEO
Thierry Pomaret
COMPENSATION €445,219
CEO Bio

Mr. Thierry Pomaret serves as the Chief Executive Officer of Caisse Regionale de Credit Agricole Mutuel Alpes Provence.

CEO Compensation
  • Thierry's compensation has been consistent with company performance over the past year.
  • Thierry's remuneration is lower than average for companies of similar size in United Kingdom of Great Britain and Northern Ireland.
Management Team

Thierry Pomaret

TITLE
Chief Executive Officer
COMPENSATION
€445K

Jérôme Vuillemot

TITLE
Chief Financial Officer

Damien Ailleret

TITLE
Member of Management Board

Florence Bozec

TITLE
Member of Management Board

Jean-Pierre Brun

TITLE
Member of Management Board

Jérôme Lebon

TITLE
Member of Management Board

Jean Mazza

TITLE
Member of Management Board

Romuald Rabiet

TITLE
Member of Management Board

Gilles Rousseau

TITLE
Member of Management Board

Laure Vivien

TITLE
Member of Management Board
Board of Directors

Michel Bonnes

TITLE
President of the Board
COMPENSATION
€4K
AGE
58
TENURE
4.2 yrs

Franck Alexandre

TITLE
Vice-Chairman

Bernard Rouxel

TITLE
Vice President of the Board

Catherine Tissandier

TITLE
Director

Daniel Aurouze

TITLE
Director

Alain Chaix

TITLE
Director

Thierry D'Amboise

TITLE
Director

Marilyne Gallet

TITLE
Director

Danielle Jaussaud

TITLE
Director

Christian Leonard

TITLE
Director
Who owns this company?
Recent Insider Trading
  • No 3 month insider trading information.
Recent Insider Transactions
Announced Type Name Entity Role Start End Shares Max Price (€) Value (€)
X
Management checks
We assess Caisse Régionale de Crédit Agricole Mutuel Alpes Provence's management by checking for:
  1. Is the CEO's compensation unreasonable compared to market cap? (1 check)
  2. Has the CEO's compensation increased more than 20% whilst the EPS is down more then 20%? (1 check)
  3. Is the average tenure of the management team less than 2 years? (1 check)
  4. Is the average tenure of the board of directors team less than 3 years? (1 check)
  5. Caisse Régionale de Crédit Agricole Mutuel Alpes Provence has a total score of 0/6, this is not included on the snowflake, see the detailed checks below.


Note: We use the top 6 management executives and board members in our calculations.

Note 2: Insider trading include any internal stakeholders and these transactions .

Full details on the Management part of the Simply Wall St company analysis model.

News

Simply Wall St News

Company Info

Description

Caisse Régionale de Crédit Agricole Mutuel Alpes Provence provides banking products and services in France. It offers savings accounts, home loans, consumer credit, insurance, financial investment, retirement, accounts management, and real estate investment services. The company operates a network of approximately 72 branches. It serves individuals, professionals, farmers, associations, public collectives, and companies. The company is headquartered in Aix-en-Provence, France.

Details
Name: Caisse Régionale de Crédit Agricole Mutuel Alpes Provence
0O3R
Exchange: LSE
Founded:
€861,282,807
7,456,994
Website: http://www.ca-alpesprovence.fr
Address: Caisse Régionale de Crédit Agricole Mutuel Alpes Provence
25 Chemin des Trois Cypress,
Cedex 2,
Aix-en-Provence,
Provence-Alpes-Côte d'Azur, 13097,
France
Listings
Exchange Symbol Ticker Symbol Security Exchange Country Currency Listed on
ENXTPA CRAP Co-Operative Investment Certificates Euronext Paris FR EUR 15. Dec 1998
LSE 0O3R Co-Operative Investment Certificates London Stock Exchange GB EUR 15. Dec 1998
BATS-CHIXE CRAPP Co-Operative Investment Certificates BATS 'Chi-X Europe' GB EUR 15. Dec 1998
Number of employees
Current staff
Staff numbers
1,973
Caisse Régionale de Crédit Agricole Mutuel Alpes Provence employees.
Industry
Regional Banks
Banks
Company Analysis and Financial Data Status
Area Date (UTC time)
Company Analysis updated: 2019/04/19 21:08
End of day share price update: 2019/03/29 00:00
Last earnings filing: 2018/08/02
Last earnings reported: 2018/06/30
Last annual earnings reported: 2017/12/31


All dates and times in UTC. All financial data provided by Standard & Poor’s Capital IQ.

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.