Ca Toulouse 31 CCI

CAT31 · PA · Financial Services / Banks - Regional

99.00EUR+0.06 (+0.06%)

Price History

Full chart

Market Stats

Previous Close98.94

Open98.94

Day Range98.94 – 99.82

52-Week Range99.88 – 153.84

Volume288

Market Cap463.02M

P/E (TTM)5.55

Forward P/E5.71

EPS18.52

Dividend Yield4.00%

Beta0.33

50-Day Avg118.97

200-Day Avg121.73

About

Caisse Regionale de Credit Agricole Mutuel Toulouse 31 operates as a cooperative bank in France. It provides bank accounts and cards; savings products, including real estate investments, stock market and financial investments, and retirement savings solutions; home, car and motorcycle, health and life, leisure and everyday, and borrower's insurance; mortgage and vehicle loans; and consumer and work credits. It also offers agricultural building, equipment, and business insurance for farmers; and financial engineering, day-to-day management, funding services, hedging against foreign exchange risk, trade finance, and export financing services for business. The company was incorporated in 1992 and is headquartered in Toulouse, France.

Company Details

SectorFinancial Services
IndustryBanks - Regional
CEOMr. Nicolas Langevin
Employees1.17K
Headquarters6-7, Place Jeanne d'Arc, Toulouse, France, 31000, France
Websitehttps://www.credit-agricole.fr/ca-toulouse31/parti

Leadership

Mr. Nicolas LangevinDirector General · b. 1963
Mr. Christophe Le BeaudourDirector of Finance & Risks
Ms. Corinne DoumayrouDirector of Risk Management & Compliance
Mr. Stephane BoullayDirector of People, Transformation & IT
Ms. Agnes CoulombeDeputy Director General
Mr. Bernard GelisSecretary & Director · b. 1974

Financials

Income Statement

Currency: EUR	2000-12-31	2001-12-31	2002-12-31	2003-12-31	2004-12-31	2005-12-31	2006-12-31	2007-12-31	2008-12-31	2009-12-31	2010-12-31	2011-12-31	2012-12-31	2013-12-31	2014-12-31	2015-12-31	2016-12-31	2017-12-31	2018-12-31	2019-12-31	2020-12-31	2021-12-31	2022-12-31	2023-12-31	2024-12-31	2025-12-31

Currency: EUR	2000-12-31	2001-12-31	2002-12-31	2003-12-31	2004-12-31	2005-12-31	2006-12-31	2007-12-31	2008-12-31	2009-12-31	2010-12-31	2011-12-31	2012-12-31	2013-12-31	2014-12-31	2015-12-31	2016-12-31	2017-12-31	2018-12-31	2019-12-31	2020-12-31	2021-12-31	2022-12-31	2023-12-31	2024-12-31	2025-12-31
Total Revenue	2.18B	351.41M	313.25M	323.92M	349.91M	368.50M	407.83M	240.48M	232.67M	243.96M	261.94M	251.67M	252.36M	274.20M	265.69M	276.05M	271.00M	243.20M	233.62M	388.24M	230.23M	264.23M	254.52M	242.18M	265.51M	651.91M
Growth (%)	-	-83.86%	-10.86%	+3.41%	+8.02%	+5.31%	+10.67%	-41.03%	-3.25%	+4.85%	+7.37%	-3.92%	+0.28%	+8.65%	-3.10%	+3.90%	-1.83%	-10.26%	-3.94%	+66.18%	-40.70%	+14.77%	-3.67%	-4.85%	+9.64%	+145.53%
Cost of Revenue	-	-	-	-	349.91M	368.50M	407.83M	-	-	-	-	-	-	0	0	0	0	0	-	-	-	93.10M	104.89M	320.81M	384.33M	372.56M
Gross Profit	-	-	-	-	-	-	-	240.48M	232.67M	243.96M	261.94M	251.67M	252.36M	274.20M	265.69M	276.05M	271.00M	243.20M	233.62M	388.24M	230.23M	264.23M	254.52M	242.18M	265.51M	279.34M
Gross Margin	-	-	-	-	-	-	-	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	42.85%
Operating Expense	-	-	-	-	-	-	-	-60.98M	-71.72M	-16.40M	429.00K	-24.33M	-16.66M	10.42M	13.28M	1.68M	33.36M	39.12M	46.28M	305.65M	174.63M	173.87M	176.21M	180.45M	184.19M	194.60M
Operating Income	279.46M	203.74M	182.42M	179.14M	65.43M	82.90M	89.90M	301.45M	304.39M	260.36M	261.52M	276.00M	269.02M	263.77M	252.41M	274.36M	237.65M	204.08M	187.35M	82.59M	55.59M	90.36M	78.31M	61.72M	81.32M	84.75M
Operating Margin	12.84%	57.98%	58.24%	55.30%	18.70%	22.50%	22.04%	125.36%	130.83%	106.72%	99.84%	109.67%	106.60%	96.20%	95.00%	99.39%	87.69%	83.91%	80.19%	21.27%	24.15%	34.20%	30.77%	25.49%	30.63%	13.00%
EBITDA	-	-	-	-	51.57M	82.86M	106.48M	-	-	43.72M	-	-	100.76M	117.35M	-	-	120.40M	212.07M	1.00K	209.29M	69.10M	104.23M	90.32M	73.30M	85.87M	86.97M
EBITDA Margin	-	-	-	-	14.74%	22.49%	26.11%	-	-	17.92%	-	-	39.93%	42.80%	-	-	44.43%	87.20%	0.00%	53.91%	30.01%	39.45%	35.49%	30.27%	32.34%	13.34%
Net Income	-	-	-	-	42.91M	56.98M	64.99M	69.06M	56.93M	50.59M	67.19M	57.96M	52.79M	68.77M	70.91M	91.80M	72.41M	62.00M	50.85M	64.86M	35.43M	69.94M	66.62M	59.30M	66.48M	70.50M
Net Income Margin	-	-	-	-	12.26%	15.46%	15.94%	28.72%	24.47%	20.74%	25.65%	23.03%	20.92%	25.08%	26.69%	33.26%	26.72%	25.49%	21.77%	16.71%	15.39%	26.47%	26.18%	24.49%	25.04%	10.81%
Interest Expense	0	0	0	0	5.06M	3.89M	8.03M	205.05M	227.69M	184.85M	165.88M	193.35M	177.88M	155.44M	144.47M	135.25M	127.39M	114.33M	117.16M	116.29M	94.29M	93.10M	104.89M	320.81M	384.33M	344.60M
Interest Expense % of Total Revenue	0.00%	0.00%	0.00%	0.00%	1.45%	1.05%	1.97%	85.27%	97.86%	75.77%	63.33%	76.83%	70.48%	56.69%	54.38%	48.99%	47.01%	47.01%	50.15%	29.95%	40.95%	35.24%	41.21%	132.47%	144.75%	52.86%

Balance Sheet

Currency: EUR	2000-12-31	2001-12-31	2002-12-31	2003-12-31	2004-12-31	2005-12-31	2006-12-31	2007-12-31	2008-12-31	2009-12-31	2010-12-31	2011-12-31	2012-12-31	2013-12-31	2014-12-31	2015-12-31	2016-12-31	2017-12-31	2018-12-31	2019-12-31	2020-12-31	2021-12-31	2022-12-31	2023-12-31	2024-12-31	2025-12-31

Currency: EUR	2000-12-31	2001-12-31	2002-12-31	2003-12-31	2004-12-31	2005-12-31	2006-12-31	2007-12-31	2008-12-31	2009-12-31	2010-12-31	2011-12-31	2012-12-31	2013-12-31	2014-12-31	2015-12-31	2016-12-31	2017-12-31	2018-12-31	2019-12-31	2020-12-31	2021-12-31	2022-12-31	2023-12-31	2024-12-31	2025-12-31
Total Assets	27.58B	4.59B	4.60B	4.77B	5.03B	5.81B	6.81B	7.23B	7.16B	7.56B	7.78B	8.33B	8.81B	9.00B	8.98B	9.45B	10.13B	10.68B	11.48B	12.59B	14.06B	14.79B	16.37B	15.87B	16.38B	16.61B
Total Liabilities	25.27B	4.10B	4.07B	4.20B	4.40B	5.00B	5.82B	6.31B	6.43B	6.70B	6.86B	7.37B	7.79B	7.92B	7.84B	8.22B	8.84B	9.31B	9.97B	10.98B	12.47B	12.98B	14.59B	13.98B	14.35B	14.36B
Total Equity	2.31B	498.09M	531.62M	565.69M	621.30M	809.58M	986.29M	923.11M	731.23M	858.88M	923.75M	963.69M	1.02B	1.08B	1.14B	1.23B	1.29B	1.36B	1.51B	1.61B	1.59B	1.81B	1.78B	1.90B	2.03B	2.25B
Cash	272.17M	46.55M	57.97M	66.42M	60.00M	76.00M	85.00M	57.57M	68.88M	75.32M	69.97M	76.03M	120.09M	164.05M	74.07M	103.36M	110.96M	122.51M	134.45M	135.03M	79.52M	62.33M	69.42M	83.72M	75.11M	64.96M
Total Debt	-	-	-	-	2.79B	3.28B	3.54B	299.26M	376.70M	440.54M	411.38M	290.69M	468.12M	153.63M	120.35M	85.64M	147.53M	528.97M	362.52M	6.57B	228.70M	247.74M	8.84B	8.14B	8.38B	8.33B
Net Debt	-	-	-	-	2.79B	3.28B	3.54B	241.69M	307.83M	365.22M	341.41M	214.66M	348.03M	-10.42M	46.28M	-17.73M	36.57M	406.45M	228.07M	6.43B	149.18M	185.41M	103.72M	8.06B	-75.11M	8.26B

Cash Flow

Currency: EUR	2004-12-31	2005-12-31	2006-12-31	2007-12-31	2008-12-31	2009-12-31	2010-12-31	2011-12-31	2012-12-31	2013-12-31	2014-12-31	2015-12-31	2016-12-31	2017-12-31	2018-12-31	2019-12-31	2020-12-31	2021-12-31	2022-12-31	2023-12-31	2024-12-31	2025-12-31

Currency: EUR	2004-12-31	2005-12-31	2006-12-31	2007-12-31	2008-12-31	2009-12-31	2010-12-31	2011-12-31	2012-12-31	2013-12-31	2014-12-31	2015-12-31	2016-12-31	2017-12-31	2018-12-31	2019-12-31	2020-12-31	2021-12-31	2022-12-31	2023-12-31	2024-12-31	2025-12-31
Operating Cash Flow	78.56M	68.03M	48.02M	-63.12M	-53.68M	-49.34M	34.22M	81.75M	61.64M	9.60M	-9.49M	34.78M	456.71M	-44.63M	14.63M	26.66M	403.35M	369.87M	-403.84M	-258.82M	-2.94M	162.72M
Investing Cash Flow	122.80M	-276.06M	806.34M	-43.82M	-41.48M	5.55M	-6.21M	-16.94M	-8.60M	-9.13M	-4.99M	-6.43M	-308.56M	-28.72M	-23.30M	39.94M	3.99M	-12.85M	-7.63M	-17.22M	-90.69M	-201.69M
Financing Cash Flow	-115.30M	-144.60M	-471.48M	-7.18M	-41.27M	-33.14M	-11.26M	-18.82M	-31.26M	-14.05M	-10.54M	-11.59M	-13.72M	1.29M	-4.64M	-12.40M	6.17M	-5.59M	2.88M	-37.09M	61.03M	-12.61M
Capital Expenditure	3.41M	68.03M	10.05M	7.59M	8.33M	5.78M	5.42M	6.26M	6.50M	6.10M	4.05M	4.96M	10.03M	25.87M	22.61M	36.47M	12.07M	2.55M	1.14M	3.08M	3.41M	4.62M
Free Cash Flow	75.15M	-	37.97M	-70.71M	-62.01M	-55.12M	28.79M	75.49M	55.14M	3.50M	-13.54M	29.81M	446.68M	-70.50M	-7.98M	-9.80M	391.27M	367.32M	-404.98M	-261.90M	-6.34M	158.09M
Dividends Paid	4.23M	13.73M	8.12M	-	-	-	-	-	11.10M	13.28M	12.94M	12.98M	13.28M	13.82M	9.52M	8.24M	9.87M	2.06M	12.20M	11.48M	12.80M	13.31M
FCF to OCF	95.66%	-	79.07%	112.03%	115.52%	111.72%	84.15%	92.34%	89.45%	36.47%	142.67%	85.73%	97.80%	157.95%	-54.56%	-36.76%	97.01%	99.31%	100.28%	101.19%	216.08%	97.16%
Dividend Paid to FCF	5.63%	-	21.37%	-	-	-	-	-	20.13%	379.07%	-95.56%	43.55%	2.97%	-19.60%	-119.29%	-84.10%	2.52%	0.56%	-3.01%	-4.38%	-201.83%	8.42%

Earnings

Report Date	Apr 17, 2017	Sep 8, 2017	Apr 17, 2018	Sep 24, 2018	Apr 18, 2019	Sep 27, 2019	Apr 23, 2020	Sep 14, 2020	Apr 2, 2021	Sep 10, 2021	Mar 28, 2022	Sep 19, 2022	Apr 3, 2023	Sep 19, 2024	Apr 17, 2025	Sep 19, 2025
EPS Estimate	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
EPS Actual	4.80	8.84	4.71	7.61	3.50	9.13	5.03	1.09	6.65	7.80	7.48	11.09	3.46	14.47	6.54	13.22
Surprise	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Timing	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

Key Statistics & Ratios

Market Cap463.02M

Enterprise Value563.81M

Trailing P/E5.55

Forward P/E5.71

PEG Ratio0.00

Price / Sales1.78

Price / Book0.23

EPS18.52

Book Value499.87

Revenue (TTM)260.39M

Gross Profit (TTM)260.39M

Profit Margin27.07%

Operating Margin28.18%

Return on Equity3.29%

Return on Assets0.43%

Shares Outstanding4.50M

Shares Float1.33M

Beta0.33

Dividend Yield4.00%

Dividend Rate4.44

Payout Ratio23.69%

Dividends

20261×

4.44Apr 16, 2026

20251×

3.70Apr 15, 2025

20241×

3.24Apr 16, 2024

20231×

3.32Apr 18, 2023

20221×

4.03Apr 19, 2022

20211×

3.30Apr 1, 2021

20202×

4.37Dec 16, 20204.37Apr 7, 2020

20191×

4.37Apr 9, 2019

20181×

4.54Apr 10, 2018

20171×

4.63Apr 11, 2017

20161×

4.62Apr 11, 2016

20151×

4.32Apr 24, 2015

20141×

4.01Apr 22, 2014

20131×

3.91Apr 29, 2013

20121×

3.80May 10, 2012

20111×

3.56May 9, 2011

20101×

3.41Apr 30, 2010

20091×

3.26May 6, 2009

20081×

3.49Apr 7, 2008

20071×

3.00May 15, 2007

20061×

2.35May 17, 2006

20051×

2.10Apr 8, 2005

20041×

3.15May 13, 2004