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Caisse Régionale de Crédit Agricole Mutuel Alpes Provence Société coopérative

Caisse Régionale de Crédit Agricole Mutuel Alpes Provence Société coopérative

CRAP · PA · Financial Services / Banks - Regional

112.00EUR+0.00 (0.00%)

Price History

Full chart

Market Stats

Previous Close112.00
Open112.50
Day Range112.00 – 112.50
52-Week Range117.98 – 174.98
Volume501
Market Cap906.91M
P/E (TTM)6.41
Forward P/E0.00
EPS19.04
Dividend Yield3.84%
Beta0.35
50-Day Avg134.20
200-Day Avg141.83

About

Caisse Régionale de Crédit Agricole Mutuel Alpes Provence Société coopérative provides banking products and services in France. It offers bank accounts and services, bank cards, mobile payment, and magazine subscriptions; savings, savings plans, and fixed-term accounts; life insurance; stock market and financial investments; retirement savings solutions; real estate investments; and saving products. The company also provides home, car and motorcycle, health and life, leisure and everyday, and borrower's insurance. In addition, it offers agriculture banking products and services. The company serves individuals, farmers, professionals, entrepreneurs, businesses, associations, and public institutions. The company was founded in 1885 and is headquartered in Aix-en-Provence, France. Caisse Régionale de Crédit Agricole Mutuel Alpes Provence Société coopérative is a subsidiary of Crédit Agricole S.A.

Company Details

Leadership

  • Mr. Laurent FromageauGM & Member of Management Board
  • Mathieu BourgesDirector of Finance & Work Environment and Member of the Management Board
  • Mr. Serge GaonaDeputy Director General of Operations & Member of Management Board
  • Ms. Florence BozecDirector of Credit Development & Recovery and Member of Management Board
  • Mr. Jérôme LebonDeputy GM for Development and Member of Management Board
  • Mr. Jérôme VuillemotDirector of Development & Territorial Transitions and Member of Management Board
  • Frederic HoehnDirector of Marketing, Transformation & Supply Chain and Member of Management Board
  • Patrick SgroDirector of Specialized Markets & Member of Management Board
  • Sofien ElouniDirector of Risks & Permanent Control and Member of Management Board
  • Alexandre TurquetDirector of Local Banking and Member of Management Board

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 Revenue3.62B600.16M585.20M566.80M581.57M621.34M697.95M410.93M381.25M411.84M433.90M467.12M396.46M432.15M434.98M435.24M385.82M421.50M364.08M382.86M338.91M431.47M453.65M421.72M442.53M1.14B
Growth (%)--83.42%-2.49%-3.14%+2.61%+6.84%+12.33%-41.12%-7.22%+8.02%+5.36%+7.65%-15.13%+9.00%+0.65%+0.06%-11.35%+9.25%-13.62%+5.16%-11.48%+27.31%+5.14%-7.04%+4.94%+157.26%
Cost of Revenue----581.57M621.34M697.95M------00000---197.62M204.86M-7.14M682.89M642.78M
Gross Profit-------410.93M381.25M411.84M433.90M467.12M396.46M432.15M434.98M435.24M385.82M421.50M364.08M382.86M338.91M431.47M453.65M421.72M442.53M495.68M
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%43.54%
Operating Expense-------267.94M285.49M346.57M307.02M344.00M276.53M284.17M298.06M288.70M288.54M310.31M23.58M276.24M265.79M278.23M285.36M288.61M289.37M333.66M
Operating Income563.48M139.86M104.64M122.55M127.23M134.78M130.82M142.99M95.76M65.27M126.88M123.12M119.93M147.97M136.92M146.53M97.28M111.19M340.51M106.62M73.11M153.24M168.30M133.11M153.16M162.03M
Operating Margin15.57%23.30%17.88%21.62%21.88%21.69%18.74%34.80%25.12%15.85%29.24%26.36%30.25%34.24%31.48%33.67%25.21%26.38%93.52%27.85%21.57%35.52%37.10%31.56%34.61%14.23%
EBITDA----127.53M147.79M144.22M156.67M109.41M198.69M139.44M159.31M165.14M180.29M166.03M173.30M124.13M124.03M352.83M121.93M92.10M170.76M189.77M148.69M171.60M174.11M
EBITDA Margin----21.93%23.79%20.66%38.13%28.70%48.24%32.14%34.10%41.65%41.72%38.17%39.82%32.17%29.43%96.91%31.85%27.18%39.58%41.83%35.26%38.78%15.29%
Net Income----100.61M101.33M104.90M109.15M95.70M59.47M94.22M87.86M75.76M87.63M90.72M97.51M68.20M80.04M68.86M74.70M48.08M117.09M145.08M116.40M133.93M135.30M
Net Income Margin----17.30%16.31%15.03%26.56%25.10%14.44%21.72%18.81%19.11%20.28%20.86%22.40%17.68%18.99%18.91%19.51%14.19%27.14%31.98%27.60%30.26%11.88%
Interest Expense000029.60M3.02M10.38M393.35M483.98M428.52M368.59M410.33M383.50M324.36M303.76M292.80M335.98M257.51M249.10M230.43M215.38M197.62M204.86M608.01M682.89M571.86M
Interest Expense % of Total Revenue0.00%0.00%0.00%0.00%5.09%0.49%1.49%95.72%126.95%104.05%84.95%87.84%96.73%75.06%69.83%67.27%87.08%61.09%68.42%60.19%63.55%45.80%45.16%144.17%154.32%50.23%

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 Assets46.35B7.56B7.76B7.84B8.28B9.64B11.61B12.36B13.17B13.64B14.68B15.65B18.07B15.96B16.12B17.01B17.63B18.89B19.79B21.29B23.53B24.91B26.38B25.89B26.89B27.10B
Total Liabilities42.97B6.80B6.94B6.97B7.28B8.25B9.86B10.72B11.90B12.05B12.98B13.89B16.25B14.07B14.15B14.97B15.56B16.70B17.35B18.70B21.00B21.98B23.44B22.72B23.43B23.23B
Total Equity3.38B760.26M813.73M872.36M1.00B1.39B1.75B1.64B1.28B1.59B1.71B1.77B1.83B1.89B1.97B2.04B2.08B2.18B2.44B2.59B2.52B2.94B2.94B3.17B3.46B3.88B
Cash1.05B230.33M251.74M267.82M147.36M143.89M181.02M95.07M100.45M93.46M76.22M70.95M151.60M161.71M113.75M165.15M149.44M163.25M131.81M155.75M142.66M116.57M166.57M110.91M130.68M139.14M
Total Debt----4.73B5.29B5.87B813.47M845.24M954.76M7.25B9.12B2.82B1.55B1.14B834.35M809.46M1.03B6.80B775.11M1.10B12.85B455.20M12.91B13.46B333.97M
Net Debt----4.73B5.29B5.87B718.39M744.80M861.30M7.18B9.05B2.67B1.39B1.03B669.21M660.02M866.69M638.42M619.36M961.21M12.76B288.62M605.24M9.51B194.83M

Cash Flow

Currency: EUR2004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow145.99M134.72M-31.76M-228.34M178.21M-309.89M-103.38M129.53M143.08M-89.35M250.86M-39.10M608.18M232.45M261.96M75.17M1.21B720.69M-1.10B-628.29M220.00M-376.70M
Investing Cash Flow49.46M-55.90M194.72M-119.12M-140.15M-37.31M-6.56M-75.63M-4.80M-18.93M-24.25M-18.85M-509.04M-24.93M-21.22M-11.48M17.82M-14.44M-8.80M-14.51M-25.11M-33.39M
Financing Cash Flow-10.08M7.81M19.24M57.87M39.63M83.32M-41.42M-38.54M-47.01M-30.22M-21.36M-33.28M-35.02M-5.24M25.40M-8.58M6.19M20.37M32.00M-79.18M-10.95M-33.01M
Capital Expenditure17.70M20.99M13.82M10.58M17.41M14.48M2.54M72.12M05.12M21.71M16.25M8.41M13.50M11.98M7.96M13.50M4.75M4.39M8.13M13.20M5.86M
Free Cash Flow128.29M113.73M-45.57M-238.92M160.80M-324.37M-105.93M57.41M143.08M-94.47M229.15M-55.35M599.77M218.95M249.98M67.21M1.19B715.94M-1.10B-636.43M206.80M-382.56M
Dividends Paid9.10M2.19M11.55M-----20.00M19.40M19.00M16.97M14.12M16.03M17.27M18.66M17.51M10.60M17.35M22.00M25.64M-
FCF to OCF87.88%84.42%143.51%104.63%90.23%104.67%102.46%44.32%100.00%105.73%91.34%141.55%98.62%94.19%95.43%89.41%98.88%99.34%100.40%101.29%94.00%101.56%
Dividend Paid to FCF7.10%1.92%-25.34%-----13.98%-20.53%8.29%-30.67%2.35%7.32%6.91%27.76%1.47%1.48%-1.57%-3.46%12.40%-

Earnings

Report DateJul 31, 2017Apr 27, 2018Aug 2, 2018Apr 24, 2019Aug 6, 2019Apr 21, 2020Aug 5, 2020Apr 9, 2021Aug 5, 2021Apr 6, 2022Aug 4, 2022Mar 30, 2023Aug 2, 2024Apr 29, 2025Aug 4, 2025
EPS Estimate0.000.000.000.000.000.000.000.000.000.000.000.000.000.000.00
EPS Actual10.190.536.023.218.131.901.824.6410.375.3714.135.3712.405.6013.74
Surprise---------------
TimingPre-market------------Pre-market-

Key Statistics & Ratios

Market Cap906.91M
Enterprise Value13.56B
Trailing P/E6.41
Forward P/E0.00
PEG Ratio0.00
Price / Sales1.92
Price / Book0.24
EPS19.04
Book Value540.24
Revenue (TTM)471.77M
Gross Profit (TTM)471.77M
Profit Margin30.01%
Operating Margin43.76%
Return on Equity3.69%
Return on Assets0.52%
Shares Outstanding670.54K
Shares Float672.31K
Beta0.35
Dividend Yield3.84%
Dividend Rate4.68
Payout Ratio24.58%

Dividends

20261×
4.68Apr 21, 2026
20251×
4.14Apr 17, 2025
20241×
3.72Apr 19, 2024
20232×
4.07Apr 25, 20233.55Apr 21, 2023
20221×
3.31Apr 22, 2022
20211×
1.63Apr 22, 2021
20201×
3.75Apr 29, 2020
20191×
3.75Apr 23, 2019
20181×
3.46Apr 23, 2018
20171×
3.32Apr 24, 2017
20161×
3.32Apr 25, 2016
20151×
3.29Apr 20, 2015
20141×
3.33Apr 17, 2014
20131×
3.23Apr 11, 2013
20121×
2.90Apr 4, 2012
20111×
2.64Apr 6, 2011
20101×
2.21Apr 13, 2010
20091×
4.20Apr 7, 2009
20081×
4.50Apr 7, 2008
20071×
4.20Apr 11, 2007
20061×
3.35Apr 11, 2006
20051×
3.10Apr 11, 2005
20041×
2.80Apr 14, 2004