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Caisse Regionale de Credit Agricole Mutuel de Normandie Seine SC

Caisse Regionale de Credit Agricole Mutuel de Normandie Seine SC

CCN · PA · Financial Services / Banks - Regional

119.00EUR-0.96 (-0.80%)

Price History

Full chart

Market Stats

Previous Close119.96
Open119.98
Day Range119.00 – 119.98
52-Week Range108.01 – 186.70
Volume137
Market Cap864.59M
P/E (TTM)10.10
Forward P/E0.00
EPS14.16
Dividend Yield2.43%
Beta0.42
50-Day Avg158.38
200-Day Avg151.91

About

Caisse Régionale de Crédit Agricole Mutuel de Normandie-Seine Société coopérative offers various banking products and services to individuals, professionals, farmers, associations, and companies in France. The company provides savings and securities accounts; real estate, personal, student, credit consolidation, work, housing transition, creation and installation, and vehicle loans; insurance products, including life, home, car and 2-wheeler, health, death, funeral, life accident, liability, legal protection, mobile, consumer credit and home borrower, association, employee, provident, and agricultural equipment and activity insurances. It offers debit and credit cards; mobile payment services; news and magazines; payment terminals; and funding products; as well as engages in real estate investment, and real estate and furniture leasing activities. The company was incorporated in 2000 and is headquartered in Bois-Guillaume, France.

Company Details

Leadership

  • Ms. Karine BourguignonDirector General · b. 1968
  • Mr. Philippe PouillotDirector of Finance & Real Estate
  • Bernard AugrisHuman Resources Director of Mutualism & Communication
  • Mr. Pascal LebouteillerDirector of Credits & Agriculture

Financials

Income Statement

Currency: EUR2007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue319.55M329.12M337.41M368.34M380.17M352.19M387.94M375.59M389.50M362.72M355.50M343.69M482.20M478.30M370.20M535.58M346.26M1.02B964.42M
Growth (%)-+3.00%+2.52%+9.17%+3.21%-7.36%+10.15%-3.18%+3.70%-6.88%-1.99%-3.32%+40.30%-0.81%-22.60%+44.67%-35.35%+196.00%-5.90%
Cost of Revenue------000000--123.73M160.82M538.64M671.79M580.14M
Gross Profit319.55M329.12M337.41M368.34M380.17M352.19M387.94M375.59M389.50M362.72M355.50M343.69M482.20M478.30M370.20M345.52M341.41M353.13M384.27M
Gross Margin100.00%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%64.51%98.60%34.45%39.85%
Operating Expense-36.90M-74.46M-37.48M10.21M224.04M-36.06M203.07M204.97M207.20M213.24M220.89M225.77M368.38M398.20M249.50M233.96M235.03M260.13M288.93M
Operating Income356.44M403.58M374.89M358.13M156.12M388.25M184.87M170.63M182.30M149.48M134.61M117.92M113.82M80.10M120.70M111.56M106.38M93.00M95.34M
Operating Margin111.55%122.62%111.11%97.23%41.07%110.24%47.65%45.43%46.80%41.21%37.87%34.31%23.60%16.75%32.60%20.83%30.72%9.07%9.89%
EBITDA----166.02M166.20M196.23M182.84M193.26M159.54M145.77M130.51M128.33M97.59M137.77M129.46M108.42M105.14M116.28M
EBITDA Margin----43.67%47.19%50.58%48.68%49.62%43.98%41.00%37.97%26.61%20.40%37.22%24.17%31.31%10.26%12.06%
Net Income97.98M97.92M90.01M101.75M107.37M96.14M117.29M110.72M119.96M95.33M92.68M88.43M85.99M57.55M95.88M81.74M77.71M78.69M85.60M
Net Income Margin30.66%29.75%26.68%27.62%28.24%27.30%30.24%29.48%30.80%26.28%26.07%25.73%17.83%12.03%25.90%15.26%22.44%7.68%8.88%
Interest Expense217.84M271.30M244.79M210.17M244.36M234.06M201.40M188.64M893.00K70.00K136.23M25.00K196.00K127.50M123.73M160.82M504.85M671.79M546.90M
Interest Expense % of Total Revenue68.17%82.43%72.55%57.06%64.28%66.46%51.92%50.22%0.23%0.02%38.32%0.01%0.04%26.66%33.42%30.03%145.80%65.55%56.71%

Balance Sheet

Currency: EUR2007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets8.77B9.35B9.87B10.71B11.51B12.16B12.43B12.77B12.89B13.79B15.24B16.28B18.38B20.48B22.07B24.06B25.25B24.63B23.68B
Total Liabilities7.43B8.30B8.62B9.37B10.10B10.66B10.81B11.05B11.05B11.87B13.20B14.00B15.94B18.07B19.33B21.36B22.37B21.55B20.28B
Total Equity1.34B1.05B1.25B1.34B1.41B1.50B1.62B1.72B1.83B1.92B2.03B2.28B2.43B2.42B2.74B2.70B2.87B3.08B3.40B
Cash57.07M67.23M69.78M60.30M57.74M122.23M49.29M52.78M203.44M169.00M346.00M527.73M672.50M1.45B2.18B102.16M1.09B73.53M66.72M
Total Debt53.23M17.71M9.75M8.78M7.07B527.07M406.71M372.17M7.13B7.65B8.67B9.15B10.51B11.76B12.54B13.99B14.30B13.31B12.31B
Net Debt-3.85M-49.52M-60.02M-51.53M7.02B404.83M357.43M319.39M6.93B7.48B8.32B8.62B9.83B10.32B10.37B11.99B-1.03B-1.00B12.24B

Cash Flow

Currency: EUR2007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow66.47M-43.49M138.58M5.64M7.72M32.35M68.27M11.96M149.77M456.79M202.91M197.41M-56.39M133.28M542.64M-690.98M-819.56M33.14M185.98M
Investing Cash Flow-63.64M-110.25M-41.70M-26.84M-12.10M-6.40M-22.14M-15.88M-17.43M-476.16M-27.50M-32.40M213.56M581.27M192.47M507.17M-99.74M-38.83M-668.44M
Financing Cash Flow-18.17M-25.32M-17.88M-11.86M-12.46M-13.13M-4.76M-2.52M-8.93M-13.11M10.79M21.73M-7.13M29.59M-2.63M16.15M5.97M-1.81M-20.90M
Capital Expenditure9.75M14.93M23.87M19.23M8.76M3.03M18.34M14.18M17.89M15.70M23.30M29.92M31.34M44.47M34.50M24.96M40.19M28.01M21.53M
Free Cash Flow56.72M-58.42M114.71M-13.59M-1.04M29.32M49.93M-2.22M131.88M441.09M179.62M167.49M-87.73M88.81M508.14M-715.94M-859.75M5.13M164.45M
Dividends Paid-----14.62M14.10M14.48M14.97M14.90M15.50M7.65M3.37M1.96M5.85M2.81M-14.62M13.19M
FCF to OCF85.33%134.32%82.77%-241.11%-13.50%90.64%73.14%-18.58%88.05%96.56%88.52%84.84%155.58%66.63%93.64%103.61%104.90%15.48%88.42%
Dividend Paid to FCF-----49.85%28.23%-651.89%11.35%3.38%8.63%4.57%-3.84%2.20%1.15%-0.39%-285.05%8.02%

Earnings

Report DateAug 3, 2017Feb 2, 2018Aug 6, 2018Mar 12, 2019Aug 2, 2019Jun 12, 2020Sep 14, 2020Mar 4, 2021Aug 6, 2021Mar 25, 2022Sep 21, 2022Mar 20, 2023Mar 14, 2025Sep 12, 2025
EPS Estimate0.000.000.000.000.000.000.000.000.000.000.000.000.000.00
EPS Actual9.715.608.606.018.455.752.846.6710.215.649.024.493.309.84
Surprise--------------
TimingAfter-hoursAfter-hours------------

Key Statistics & Ratios

Market Cap864.59M
Enterprise Value1.33B
Trailing P/E10.10
Forward P/E0.00
PEG Ratio0.00
Price / Sales2.23
Price / Book0.26
EPS14.16
Book Value585.78
Revenue (TTM)387.52M
Gross Profit (TTM)387.52M
Profit Margin26.99%
Operating Margin39.18%
Return on Equity3.10%
Return on Assets0.44%
Shares Outstanding3.49M
Shares Float1.01M
Beta0.42
Dividend Yield2.43%
Dividend Rate3.47
Payout Ratio24.51%

Dividends

20261×
3.47May 14, 2026
20251×
3.27May 13, 2025
20241×
3.71May 13, 2024
20231×
4.10May 15, 2023
20221×
4.06May 16, 2022
20211×
3.58May 12, 2021
20201×
4.52Dec 16, 2020
20191×
5.11May 17, 2019
20181×
5.14May 18, 2018
20171×
5.49May 19, 2017
20161×
5.49May 25, 2016
20151×
5.33May 26, 2015
20141×
5.11May 27, 2014
20131×
4.97May 29, 2013
20121×
5.08May 29, 2012
20111×
4.97May 27, 2011
20101×
4.47May 28, 2010
20091×
4.51Jun 2, 2009
20081×
4.63May 28, 2008
20071×
4.25Jun 1, 2007
20061×
2.87May 22, 2006
20051×
2.71Jun 1, 2005
20041×
3.75Jun 1, 2004
20031×
2.20May 2, 2003