Caisse Régionale de Crédit Agricole Mutuel de Normandie-Seine Société coopérative Past Earnings Performance
Past criteria checks 2/6
Caisse Régionale de Crédit Agricole Mutuel de Normandie-Seine Société coopérative has been growing earnings at an average annual rate of 0.8%, while the Banks industry saw earnings growing at 25.3% annually. Revenues have been growing at an average rate of 1% per year. Caisse Régionale de Crédit Agricole Mutuel de Normandie-Seine Société coopérative's return on equity is 2.7%, and it has net margins of 22.4%.
Key information
0.8%
Earnings growth rate
0.2%
EPS growth rate
| Banks Industry Growth | 21.2% |
| Revenue growth rate | 1.0% |
| Return on equity | 2.7% |
| Net Margin | 22.4% |
| Last Earnings Update | 31 Dec 2023 |
Recent past performance updates
Recent updates
Revenue & Expenses Breakdown
How Caisse Régionale de Crédit Agricole Mutuel de Normandie-Seine 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 | 346 | 78 | 20 | 0 |
| 30 Sep 23 | 347 | 79 | 19 | 0 |
| 30 Jun 23 | 347 | 80 | 18 | 0 |
| 31 Mar 23 | 346 | 81 | 18 | 0 |
| 31 Dec 22 | 346 | 82 | 18 | 0 |
| 30 Sep 22 | 351 | 85 | 18 | 0 |
| 30 Jun 22 | 356 | 89 | 17 | 0 |
| 31 Mar 22 | 363 | 92 | 17 | 0 |
| 31 Dec 21 | 370 | 96 | 17 | 0 |
| 30 Sep 21 | 375 | 99 | 18 | 0 |
| 30 Jun 21 | 380 | 102 | 19 | 0 |
| 31 Mar 21 | 351 | 80 | 18 | 0 |
| 31 Dec 20 | 321 | 58 | 17 | 0 |
| 30 Sep 20 | 313 | 55 | 16 | 0 |
| 30 Jun 20 | 305 | 52 | 15 | 0 |
| 31 Mar 20 | 324 | 69 | 15 | 0 |
| 31 Dec 19 | 344 | 86 | 15 | 0 |
| 30 Sep 19 | 345 | 87 | 14 | 0 |
| 30 Jun 19 | 346 | 88 | 13 | 0 |
| 31 Mar 19 | 345 | 88 | 13 | 0 |
| 31 Dec 18 | 344 | 88 | 13 | 0 |
| 30 Sep 18 | 346 | 87 | 12 | 0 |
| 30 Jun 18 | 349 | 86 | 12 | 0 |
| 31 Mar 18 | 352 | 89 | 12 | 0 |
| 31 Dec 17 | 355 | 93 | 11 | 0 |
| 30 Sep 17 | 357 | 92 | 11 | 0 |
| 30 Jun 17 | 358 | 92 | 10 | 0 |
| 31 Mar 17 | 360 | 94 | 10 | 0 |
| 31 Dec 16 | 363 | 95 | 10 | 0 |
| 30 Sep 16 | 372 | 106 | 10 | 0 |
| 30 Jun 16 | 382 | 116 | 10 | 0 |
| 31 Mar 16 | 386 | 118 | 10 | 0 |
| 31 Dec 15 | 390 | 120 | 10 | 0 |
| 30 Sep 15 | 388 | 119 | 10 | 0 |
| 30 Jun 15 | 386 | 118 | 10 | 0 |
| 31 Mar 15 | 381 | 114 | 10 | 0 |
| 31 Dec 14 | 376 | 111 | 10 | 0 |
| 30 Sep 14 | 383 | 115 | 10 | 0 |
| 30 Jun 14 | 390 | 118 | 10 | 0 |
| 31 Mar 14 | 389 | 118 | 9 | 0 |
| 31 Dec 13 | 388 | 117 | 9 | 0 |
| 30 Sep 13 | 378 | 111 | 9 | 0 |
Quality Earnings: 0O40 has high quality earnings.
Growing Profit Margin: 0O40's current net profit margins (22.4%) are lower than last year (23.7%).
Free Cash Flow vs Earnings Analysis
Past Earnings Growth Analysis
Earnings Trend: 0O40's earnings have grown by 0.8% per year over the past 5 years.
Accelerating Growth: 0O40's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: 0O40 had negative earnings growth (-4.9%) over the past year, making it difficult to compare to the Banks industry average (7.9%).
Return on Equity
High ROE: 0O40's Return on Equity (2.7%) is considered low.