Caisse Régionale de Crédit Agricole du Morbihan

CMO · PA · Financial Services / Banks - Regional

98.00EUR+0.50 (+0.51%)

Price History

Full chart

Market Stats

Previous Close97.50

Open97.50

Day Range97.50 – 98.99

52-Week Range92.50 – 138.00

Volume215

Market Cap558.38M

P/E (TTM)7.29

Forward P/E2.16

EPS14.60

Dividend Yield3.13%

Beta0.15

50-Day Avg114.96

200-Day Avg114.21

About

Caisse Régionale de Crédit Agricole du Morbihan provides various banking products and services to individuals, private banking, professionals, farmers, associations, businesses, and public authorities and social housing in France. The company offers bank accounts and services, bank cards, mobile payments, and magazine subscriptions; savings account and fixed-term deposits, life insurance, market and financial investments, responsible investments, and retirement savings; home, non-occupant owner, tenant, remote monitoring, car, young driver car, motorcycle, scooter, and electric scooter, personal accident, civil liability, legal protection, mobile consumer, credit borrower, and mortgage loan insurance products. It also provides personal, student, debt consolidation, revolving credit, and boating loans; home improvement, housing transition, eco PTZ, and housing adaptation loans; work credits; and mortgage loans. Caisse Régionale de Crédit Agricole du Morbihan was incorporated in 1993 and is headquartered in Vannes, France. Caisse Régionale de Crédit Agricole du Morbihan operates as a subsidiary of Crédit Agricole S.A.

Company Details

SectorFinancial Services
IndustryBanks - Regional
CEOMr. Christophe Grelier
Employees1.03K
HeadquartersAvenue de Keranguen, Vannes, France, 56956, France
Websitehttps://www.credit-agricole.fr/ca-morbihan/particu

Leadership

Mr. Herve Le Floc'hChairman of the Board · b. 1963
Mr. Christophe GrelierChief Executive Officer
Mr. Philippe BaldousDirector of Finance, Risk & Data
Laurence CormanDirector of Human Resources, Transformation & Communication
Eric DumontHead of Risk Management Function (RFGR)

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	979.30M	1.29B	342.41M	352.83M	354.44M	372.17M	417.70M	458.16M	460.24M	206.23M	251.76M	238.58M	161.54M	216.73M	196.24M	209.95M	198.85M	209.24M	219.49M	215.72M	203.90M	352.09M	394.65M	206.24M	233.03M	593.80M
Growth (%)	-	+31.70%	-73.45%	+3.04%	+0.46%	+5.00%	+12.23%	+9.69%	+0.45%	-55.19%	+22.07%	-5.23%	-32.29%	+34.16%	-9.45%	+6.99%	-5.29%	+5.23%	+4.90%	-1.72%	-5.48%	+72.68%	+12.09%	-47.74%	+12.99%	+154.82%
Cost of Revenue	-	-	-	-	354.44M	372.17M	417.70M	458.16M	460.24M	-	-	-	-	0	0	0	0	0	0	-	-	91.73M	101.98M	354.73M	427.38M	359.45M
Gross Profit	-	-	-	-	-	-	-	-	-	206.23M	251.76M	238.58M	161.54M	216.73M	196.24M	209.95M	198.85M	209.24M	219.49M	215.72M	321.12M	223.57M	252.85M	206.24M	233.03M	234.36M
Gross Margin	-	-	-	-	-	-	-	-	-	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	157.49%	63.50%	64.07%	100.00%	100.00%	39.47%
Operating Expense	-	-	-	-	-	-	-	-	-	-47.44M	-23.30M	-40.43M	-33.61M	-15.16M	130.38M	126.88M	131.72M	131.50M	133.32M	135.72M	128.07M	132.51M	152.81M	6.79M	151.49M	155.65M
Operating Income	-	-	227.78M	234.38M	66.63M	81.68M	87.32M	78.28M	63.02M	253.68M	275.05M	279.01M	195.16M	231.89M	65.86M	83.08M	67.13M	77.74M	86.17M	80.00M	193.05M	91.06M	100.04M	199.45M	81.54M	78.70M
Operating Margin	-	-	66.52%	66.43%	18.80%	21.95%	20.91%	17.09%	13.69%	123.01%	109.25%	116.95%	120.81%	107.00%	33.56%	39.57%	33.76%	37.15%	39.26%	37.08%	94.68%	25.86%	25.35%	96.71%	34.99%	13.25%
EBITDA	-	-	-	-	62.33M	86.82M	115.62M	116.92M	82.02M	-	-	24.61M	-	-	75.60M	92.01M	75.85M	81.27M	89.77M	84.23M	72.77M	96.86M	105.69M	62.62M	83.19M	84.87M
EBITDA Margin	-	-	-	-	17.59%	23.33%	27.68%	25.52%	17.82%	-	-	10.32%	-	-	38.53%	43.82%	38.15%	38.84%	40.90%	39.04%	35.69%	27.51%	26.78%	30.36%	35.70%	14.29%
Net Income	-	-	-	-	42.79M	57.21M	62.47M	58.37M	49.37M	43.14M	66.61M	56.83M	5.36M	42.08M	44.66M	57.06M	42.74M	53.32M	66.96M	56.58M	52.21M	68.89M	82.33M	51.74M	68.80M	68.74M
Net Income Margin	-	-	-	-	12.07%	15.37%	14.96%	12.74%	10.73%	20.92%	26.46%	23.82%	3.32%	19.42%	22.76%	27.18%	21.49%	25.48%	30.51%	26.23%	25.61%	19.57%	20.86%	25.09%	29.52%	11.58%
Interest Expense	0	0	0	0	14.41M	11.09M	23.92M	34.62M	15.10M	195.31M	178.57M	197.57M	184.04M	166.92M	159.12M	138.21M	4.75M	2.88M	2.09M	586.00K	92.31M	91.73M	101.98M	354.73M	427.38M	359.45M
Interest Expense % of Total Revenue	0.00%	0.00%	0.00%	0.00%	4.07%	2.98%	5.73%	7.56%	3.28%	94.70%	70.93%	82.81%	113.92%	77.02%	81.09%	65.83%	2.39%	1.37%	0.95%	0.27%	45.27%	26.05%	25.84%	172.00%	183.40%	60.53%

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	26.11B	29.02B	4.47B	4.86B	5.32B	6.06B	7.11B	6.95B	7.57B	7.73B	7.88B	8.38B	8.98B	9.67B	9.11B	9.14B	9.37B	9.71B	10.00B	10.62B	11.73B	12.75B	13.90B	13.42B	13.68B	13.99B
Total Liabilities	23.95B	26.35B	4.04B	4.40B	4.80B	5.29B	6.14B	6.07B	6.94B	6.97B	7.03B	7.46B	8.04B	8.67B	8.05B	8.01B	8.18B	8.44B	8.50B	9.00B	10.08B	10.87B	12.04B	11.45B	11.56B	11.62B
Total Equity	2.15B	2.67B	423.93M	453.66M	528.66M	762.51M	968.09M	873.74M	623.38M	766.24M	846.51M	916.65M	946.18M	993.23M	1.05B	1.13B	1.19B	1.28B	1.50B	1.63B	1.65B	1.88B	1.86B	1.97B	2.13B	2.36B
Cash	199.19M	250.92M	47.85M	50.11M	52.00M	51.00M	60.00M	15.31M	19.29M	23.82M	22.68M	20.47M	56.72M	82.53M	55.08M	203.99M	39.31M	43.87M	56.16M	35.74M	44.54M	47.70M	31.92M	63.71M	41.02M	57.53M
Total Debt	-	-	-	-	3.33B	3.62B	3.71B	4.12B	5.15B	142.26M	134.95M	136.65M	1.03B	267.84M	281.99M	264.71M	673.00M	674.63M	474.64M	6.00B	6.40B	7.05B	7.72B	28.37M	7.46B	28.47M
Net Debt	-	-	-	-	3.33B	3.62B	3.71B	4.12B	5.15B	118.44M	112.27M	116.18M	977.69M	185.31M	226.91M	60.73M	110.28M	129.72M	-14.01M	5.96B	6.35B	7.00B	7.69B	-35.34M	-41.02M	-29.06M

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	89.52M	23.14M	88.99M	73.00M	13.97M	-160.12M	-197.51M	-60.58M	134.47M	-103.58M	62.86M	124.73M	342.36M	-128.48M	-27.75M	170.51M	2.01M	134.14M	553.37M	-440.39M	-67.37M	59.03M
Investing Cash Flow	-60.28M	-105.45M	264.79M	-661.82M	474.32M	-90.48M	-14.05M	-5.21M	-4.81M	-43.00K	-8.70M	-4.14M	-260.66M	-8.46M	1.33M	-3.81M	324.94M	556.21M	-865.41M	-10.65M	-15.87M	-18.57M
Financing Cash Flow	1.20M	12.62M	21.44M	-13.66M	18.13M	6.95M	5.46M	14.48M	10.81M	-29.87M	4.90M	11.26M	-13.55M	22.08M	5.33M	8.90M	25.42M	10.89M	-15.26M	-39.39M	-8.94M	-14.74M
Capital Expenditure	233.00K	4.28M	3.88M	6.25M	5.22M	10.89M	6.46M	3.54M	3.92M	7.32M	7.32M	3.14M	4.20M	5.33M	93.92M	5.32M	5.64M	4.79M	2.85M	3.77M	3.06M	17.86M
Free Cash Flow	89.29M	18.86M	85.10M	66.75M	8.75M	-171.01M	-203.97M	-64.12M	130.54M	-103.58M	55.54M	121.59M	338.16M	-133.81M	66.17M	165.20M	-3.63M	129.35M	550.51M	-444.16M	-70.42M	41.17M
Dividends Paid	7.03M	7.74M	8.57M	9.77M	8.58M	-	-	-	7.88M	6.28M	5.80M	5.96M	7.51M	4.66M	5.11M	5.90M	16.28M	10.76M	11.12M	23.45M	9.32M	5.71M
FCF to OCF	99.74%	81.51%	95.63%	91.44%	62.61%	106.80%	103.27%	105.84%	97.08%	100.00%	88.35%	97.48%	98.77%	104.15%	-238.49%	96.88%	-180.43%	96.43%	99.48%	100.86%	104.54%	69.74%
Dividend Paid to FCF	7.88%	41.06%	10.08%	14.64%	98.11%	-	-	-	6.03%	-6.07%	10.45%	4.90%	2.22%	-3.48%	7.72%	3.57%	-448.24%	8.32%	2.02%	-5.28%	-13.24%	13.87%

Earnings

Report Date	Jul 28, 2017	Apr 5, 2018	Aug 31, 2018	Mar 29, 2019	Dec 24, 2019	Mar 24, 2020	Aug 31, 2020	Apr 13, 2021	Aug 31, 2021	Mar 3, 2022	Aug 31, 2022	Mar 28, 2025	Aug 29, 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
EPS Actual	7.68	2.51	6.57	6.20	6.81	3.97	4.64	5.31	7.53	5.60	10.99	3.72	9.52
Surprise	-	-	-	-	-	-	-	-	-	-	-	-	-
Timing	After-hours	-	-	-	-	-	-	-	-	-	-	-	-

Key Statistics & Ratios

Market Cap558.38M

Enterprise Value557.10M

Trailing P/E7.29

Forward P/E2.16

PEG Ratio0.00

Price / Sales2.26

Price / Book0.25

EPS14.60

Book Value465.83

Revenue (TTM)247.48M

Gross Profit (TTM)247.48M

Profit Margin30.96%

Operating Margin42.84%

Return on Equity3.28%

Return on Assets0.55%

Shares Outstanding1.56M

Shares Float1.56M

Beta0.15

Dividend Yield3.13%

Dividend Rate3.33

Payout Ratio22.80%

Dividends

20261×

3.33May 28, 2026

20251×

3.05May 29, 2025

20241×

2.87May 30, 2024

20231×

2.94May 30, 2023

20221×

2.72May 30, 2022

20211×

2.70May 28, 2021

20201×

2.39May 29, 2020

20191×

2.18May 30, 2019

20181×

2.07May 30, 2018

20171×

1.89May 30, 2017

20161×

1.89May 30, 2016

20151×

2.38May 28, 2015

20141×

2.30May 28, 2014

20131×

2.47May 29, 2013

20121×

3.02May 29, 2012

20111×

3.04May 27, 2011

20101×

2.58May 27, 2010

20091×

2.56May 28, 2009

20081×

3.21May 28, 2008

20071×

2.91Jun 1, 2007

20061×

2.58Jun 1, 2006

20051×

2.32Jun 1, 2005

20041×

3.17Jun 1, 2004

20031×

1.74Jun 2, 2003