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Caisse régionale de Crédit Agricole Mutuel d-Ille-et-Vilaine SC

Caisse régionale de Crédit Agricole Mutuel d-Ille-et-Vilaine SC

CIV · PA · Financial Services / Banks - Regional

97.20EUR-0.77 (-0.79%)

Price History

Full chart

Market Stats

Previous Close97.97
Open97.96
Day Range97.20 – 97.98
52-Week Range91.99 – 142.00
Volume235
Market Cap658.45M
P/E (TTM)10.09
Forward P/E0.00
EPS10.85
Dividend Yield2.99%
Beta0.59
50-Day Avg115.80
200-Day Avg114.77

About

Caisse régionale de Crédit Agricole Mutuel d'Ille-et-Vilaine Société coopérative provides banking services in France. The company offers bank accounts and related services; bank cards; savings; life insurance; stock market and financial investment; responsible investment; retirement savings; real estate investment; and home, car and motorcycle, health and life, leisure and everyday, property, personal and borrower's insurance products. It also provides mortgage, real estate and vehicle loans; consumer and work credits. In addition, the company offers mobile payments and magazine subscriptions, as well as engages in specialized financing. The company was founded in 1900 and is based in Saint-Jacques-de-la-Lande, France. Caisse régionale de Crédit Agricole Mutuel d'Ille-et-Vilaine Société coopérative operates as a subsidiary of Crédit Agricole S.A.

Company Details

Leadership

  • Mr. Jean-Yves CarilletGM & CEO · b. 1963
  • Fabienne HallereauDirector of Human Resources & Communications

Financials

Income Statement

Currency: EUR2000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue1.21B220.52M337.06M197.96M348.72M382.04M421.29M239.51M240.88M247.58M269.44M263.99M240.82M252.09M255.74M279.96M254.56M262.42M241.90M247.13M397.40M454.81M519.22M256.08M265.97M976.57M
Growth (%)--81.80%+52.85%-41.27%+76.16%+9.56%+10.27%-43.15%+0.57%+2.78%+8.83%-2.03%-8.77%+4.68%+1.45%+9.47%-9.07%+3.08%-7.82%+2.16%+60.81%+14.45%+14.16%-50.68%+3.86%+267.17%
Cost of Revenue-------------000000--128.86M158.25M-4.00K729.01M675.83M
Gross Profit-------239.51M240.88M247.58M269.44M263.99M240.82M252.09M255.74M279.96M254.56M262.42M241.90M247.13M397.40M266.78M289.45M286.20M265.97M300.74M
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%58.66%55.75%111.76%100.00%30.80%
Operating Expense--------74.81M-112.30M-56.76M-40.74M-67.22M-54.07M141.13M143.98M149.04M156.41M156.56M161.32M163.28M366.41M185.25M205.17M214.93M201.61M230.39M
Operating Income--52.27M-73.04M76.54M279.82M314.32M353.17M304.33M310.18M331.20M294.89M110.97M111.76M130.93M98.15M105.86M80.57M83.85M30.99M81.54M84.27M71.27M64.36M70.36M
Operating Margin--15.51%-20.95%20.03%66.42%131.23%146.62%122.92%115.12%125.46%122.45%44.02%43.70%46.77%38.56%40.34%33.31%33.93%7.80%17.93%16.23%27.83%24.20%7.20%
EBITDA-------------120.59M120.16M139.24M-244.21M-1.00K223.42M42.88M90.99M93.93M76.70M79.24M80.78M
EBITDA Margin-------------47.83%46.99%49.74%-93.06%-0.00%90.41%10.79%20.01%18.09%29.95%29.79%8.27%
Net Income-------63.00M63.38M64.88M73.67M73.67M48.49M70.40M77.12M87.76M64.91M72.28M62.17M62.86M20.82M61.51M73.76M60.57M64.36M65.36M
Net Income Margin-------26.30%26.31%26.21%27.34%27.90%20.14%27.93%30.16%31.35%25.50%27.54%25.70%25.44%5.24%13.52%14.21%23.65%24.20%6.69%
Interest Expense0000000233.61M269.08M214.63M202.98M225.82M211.56M181.78M179.79M157.67M986.00K79.00K119.79M128.90M131.48M128.86M158.25M579.98M729.01M640.95M
Interest Expense % of Total Revenue0.00%0.00%0.00%0.00%0.00%0.00%0.00%97.54%111.71%86.69%75.33%85.54%87.85%72.11%70.30%56.32%0.39%0.03%49.52%52.16%33.09%28.33%30.48%226.49%274.09%65.63%

Balance Sheet

Currency: EUR2000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets30.26B4.92B5.19B5.55B5.86B7.22B8.36B8.47B8.28B8.54B9.27B9.51B9.54B10.00B10.24B10.68B11.40B12.43B13.17B14.55B16.25B17.77B20.28B19.79B20.93B21.33B
Total Liabilities27.32B4.40B4.63B4.93B5.18B6.23B7.14B362.30M583.35M438.72M583.41M205.48M8.33B8.73B8.89B9.25B9.91B10.85B11.38B12.65B14.39B15.66B18.21B17.56B18.51B18.62B
Total Equity2.94B519.56M552.25M618.41M679.64M993.80M1.22B1.10B828.37M1.03B1.11B1.17B1.21B1.28B1.35B1.43B1.50B1.58B1.78B1.90B1.86B2.11B2.07B2.24B2.42B2.71B
Cash230.20M38.81M54.83M51.08M57.93M56.49M651.44M25.18M30.10M29.39M26.32M28.14M140.79M23.51M26.50M29.06M101.57M85.37M170.11M371.82M520.93M1.46B1.25B564.70M551.23M108.44M
Total Debt-------362.30M583.35M438.72M583.41M205.48M290.00M131.20M42.09M43.95M6.88B7.69B8.07B8.77B9.74B10.56B12.25B38.58M53.94M12.12B
Net Debt-------337.12M553.25M409.33M557.09M177.34M149.21M107.68M15.59M14.89M6.78B7.60B7.90B8.40B9.22B9.10B11.01B-526.12M-551.23M12.01B

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 Flow-218.96M-199.04M-18.44M164.79M-204.09M42.33M-27.28M28.38M32.79M433.46M5.18M81.86M254.83M60.75M234.63M962.18M-383.99M15.70M204.61M
Investing Cash Flow-62.22M-87.74M-21.68M-12.36M1.23M-973.00K-6.11M-4.30M-5.22M-346.75M-19.76M-15.09M-15.08M42.67M1.25B8.81M-13.94M-20.12M-124.54M
Financing Cash Flow-14.52M-12.76M10.57M10.69M-6.61M-11.08M-7.62M-5.13M-11.80M-28.59M6.36M13.45M-1.95M13.44M-642.69M-1.20B-18.70M14.29M-252.67M
Capital Expenditure11.19M14.20M12.04M9.61M0822.00K2.84M2.89M4.97M6.26M14.49M15.28M13.30M8.09M9.48M8.07M6.52M8.63M19.15M
Free Cash Flow-230.14M-213.24M-30.48M155.18M-204.09M41.50M-30.12M25.49M27.82M427.19M-9.30M66.58M241.54M52.66M225.15M954.11M-628.46M7.08M185.46M
Dividends Paid-----9.17M8.73M8.94M8.25M10.38M10.38M10.94M11.64M9.46M7.20M--14.16M-
FCF to OCF105.11%107.13%165.27%94.17%100.00%98.06%110.40%89.82%84.83%98.56%-179.49%81.33%94.78%86.68%95.96%99.16%163.67%45.07%90.64%
Dividend Paid to FCF-----22.09%-28.99%35.08%29.66%2.43%-111.63%16.43%4.82%17.97%3.20%--200.11%-

Earnings

Report DateSep 8, 2017Mar 29, 2018Sep 14, 2018Mar 27, 2019Sep 13, 2019Mar 25, 2020Sep 11, 2020Mar 26, 2021Sep 10, 2021May 12, 2022Sep 15, 2022Apr 6, 2023Jan 31, 2025Sep 15, 2025
EPS Estimate0.000.000.000.000.000.000.000.000.000.000.000.000.000.00
EPS Actual8.103.857.362.917.173.21-0.263.704.655.538.453.771.628.42
Surprise--------------
Timing------------Pre-market-

Key Statistics & Ratios

Market Cap658.45M
Enterprise Value725.99M
Trailing P/E10.09
Forward P/E0.00
PEG Ratio0.00
Price / Sales2.24
Price / Book0.26
EPS10.85
Book Value468.70
Revenue (TTM)293.62M
Gross Profit (TTM)293.62M
Profit Margin26.20%
Operating Margin38.64%
Return on Equity2.86%
Return on Assets0.36%
Shares Outstanding2.19M
Shares Float1.23M
Beta0.59
Dividend Yield2.99%
Dividend Rate3.27
Payout Ratio28.40%

Dividends

20261×
3.27May 13, 2026
20251×
3.08May 13, 2025
20241×
2.67May 13, 2024
20231×
2.39May 11, 2023
20221×
2.17May 11, 2022
20211×
1.88May 12, 2021
20191×
3.26May 15, 2019
20181×
3.04May 16, 2018
20171×
3.00May 17, 2017
20161×
3.00May 18, 2016
20151×
2.97May 20, 2015
20141×
2.78May 20, 2014
20131×
2.65May 21, 2013
20121×
3.31May 22, 2012
20111×
3.30May 23, 2011
20101×
3.06May 21, 2010
20091×
2.92May 21, 2009
20081×
3.04May 21, 2008
20071×
2.77May 25, 2007
20061×
2.55May 24, 2006
20051×
2.35May 25, 2005
20041×
3.19May 28, 2004
20031×
1.85May 28, 2003
20021×
1.75May 28, 2002