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Caisse régionale de Crédit Agricole Mutuel Atlantique Vendée

Caisse régionale de Crédit Agricole Mutuel Atlantique Vendée

CRAV · PA · Financial Services / Banks - Regional

107.82EUR+0.28 (+0.26%)

Price History

Full chart

Market Stats

Previous Close107.54
Open108.00
Day Range107.80 – 108.42
52-Week Range118.20 – 186.02
Volume58
Market Cap904.27M
P/E (TTM)8.59
Forward P/E0.00
EPS14.27
Dividend Yield3.15%
Beta0.25
50-Day Avg135.74
200-Day Avg143.14

About

Caisse régionale de Crédit Agricole Mutuel Atlantique Vendée provides banking products and services in France. It offers accounts and card services; real estate, personal, credit consolidation, student, work, housing transition, and vehicle loans; saving products; revolving credit; and life, home, car and two wheeler, health and welfare, leisure and daily, and borrower insurance products. The company also provides real estate investment, cash management, collection and payment, funding, trade and export financing, international solutions, financial engineering, asset management, leasing, as well as retirement saving solutions. It serves individuals, private banks, businesses, professionals, farmers, public community and social housing, and associations. The company was incorporated in 2001 and is headquartered in Nantes, France. Caisse régionale de Crédit Agricole Mutuel Atlantique Vendée is a subsidiary of Crédit Agricole S.A.

Company Details

Leadership

  • Ms. Nicole GourmelonDirector General · b. 1963
  • Laurent VigreuxDirector of Finance & Credit
  • Ms. Réjane ContinRelationship investors
  • Toufik BelkhatirDirector of Risk and Compliance
  • Ms. Sandrine FermiDirector of Local Markets and Communication
  • Mr. Claude Le BarsSales and Insurance Director
  • Mr. David DecroocqDirector of Human Development
  • Stephanie RenaultDeputy Director General
  • Ms. Alexandra ChartierSecretary & Director · b. 1973
  • Mr. Laurent ChapuyIT and Logistics Director

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 Revenue414.36M383.10M395.67M435.55M415.01M432.69M435.01M408.46M442.51M410.84M400.42M420.15M430.71M646.61M707.25M817.43M409.31M425.39M1.44B
Growth (%)--7.55%+3.28%+10.08%-4.72%+4.26%+0.53%-6.10%+8.34%-7.16%-2.53%+4.93%+2.51%+50.13%+9.38%+15.58%-49.93%+3.93%+237.45%
Cost of Revenue-------00000--172.98M226.79M860.74M1.01B968.05M
Gross Profit414.36M383.10M395.67M435.55M415.01M432.69M435.01M408.46M442.51M410.84M400.42M420.15M430.71M646.61M451.31M493.58M413.23M425.39M467.46M
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%63.81%60.38%100.96%100.00%32.56%
Operating Expense-164.11M-252.36M-182.72M-100.15M-166.67M-142.85M237.77M231.28M246.52M248.01M251.90M252.14M279.70M563.01M301.19M332.28M320.53M330.86M372.55M
Operating Income578.47M635.45M578.39M535.70M581.68M575.55M197.24M177.18M195.99M162.82M148.52M168.01M151.01M83.60M150.12M161.30M92.69M94.53M94.90M
Operating Margin139.61%165.87%146.18%122.99%140.16%133.02%45.34%43.38%44.29%39.63%37.09%39.99%35.06%12.93%21.23%19.73%22.65%22.22%6.61%
EBITDA---44.07M--206.57M132.00K144.00K-404.58M372.60M371.72M104.07M168.86M181.39M114.25M112.03M116.96M
EBITDA Margin---10.12%--47.49%0.03%0.03%-101.04%88.68%86.30%16.09%23.88%22.19%27.91%26.34%8.15%
Net Income103.71M92.40M92.46M105.06M114.39M98.64M125.90M119.01M130.88M113.88M108.25M123.06M112.55M52.60M113.46M132.90M86.41M85.60M85.48M
Net Income Margin25.03%24.12%23.37%24.12%27.56%22.80%28.94%29.14%29.58%27.72%27.03%29.29%26.13%8.14%16.04%16.26%21.11%20.12%5.95%
Interest Expense435.70M511.35M446.60M392.98M423.58M416.94M338.35M347.18M283.69M21.31M2.05M338.00K6.62M184.31M172.98M226.79M860.74M1.01B919.55M
Interest Expense % of Total Revenue105.15%133.48%112.87%90.23%102.07%96.36%77.78%85.00%64.11%5.19%0.51%0.08%1.54%28.50%24.46%27.74%210.29%236.74%64.06%

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 Assets13.80B14.02B14.82B15.78B16.91B17.34B17.42B17.53B18.71B19.32B20.47B21.30B23.38B26.24B28.00B31.52B31.16B32.57B32.93B
Total Liabilities11.96B12.57B13.12B13.99B15.02B15.34B15.30B15.29B16.33B16.82B17.84B18.35B20.22B23.10B24.43B27.98B27.41B28.59B28.56B
Total Equity1.84B1.45B1.70B1.79B1.88B2.00B2.12B2.24B2.38B2.50B2.62B2.96B3.16B3.14B3.57B3.55B3.74B3.99B4.37B
Cash40.76M68.27M56.62M63.06M53.18M148.80M77.70M54.15M51.43M46.23M43.32M43.93M63.06M51.17M50.56M61.10M170.56M76.86M87.47M
Total Debt823.48M423.09M301.09M518.03M481.02M1.08B111.55M757.75M456.50M11.38B11.98B12.20B13.53B14.89B15.78B18.19B17.53B18.38B17.54B
Net Debt782.72M354.82M244.47M454.97M427.84M929.28M33.85M703.60M405.07M11.33B11.93B12.15B13.47B14.84B15.73B18.13B17.36B-76.86M17.45B

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-144.79M555.75M110.81M-4.01M357.64M-170.30M-29.94M25.16M76.19M736.74M339.90M-310.33M540.89M-4.73M490.90M1.60B-860.29M271.51M362.98M
Investing Cash Flow-80.05M-118.35M-27.86M-2.78M-11.10M-13.66M-19.20M-32.20M-27.44M-572.14M-23.26M-23.22M-37.36M459.63M676.92M-1.75B-50.67M-60.10M-956.78M
Financing Cash Flow-25.03M-24.94M-14.60M-15.06M-9.52M5.55M527.00K4.59M3.10M-1.84M26.03M34.17M5.11M55.88M26.20M17.40M-70.76M-7.41M-26.35M
Capital Expenditure5.29M13.08M8.04M5.40M6.42M10.53M14.02M27.31M28.29M13.69M20.10M32.11M33.69M29.82M28.53M28.72M42.94M41.71M26.07M
Free Cash Flow-150.09M542.67M102.77M-9.41M351.23M-180.83M-43.96M-2.15M47.90M723.04M319.80M-342.44M507.20M-34.55M462.38M1.57B-903.23M229.80M336.91M
Dividends Paid-----18.09M18.23M15.86M15.71M17.41M17.45M17.11M16.96M16.52M14.29M-20.20M23.56M22.56M
FCF to OCF103.66%97.65%92.75%234.40%98.21%106.18%146.82%-8.56%62.87%98.14%94.09%110.35%93.77%730.25%94.19%98.20%104.99%84.64%92.82%
Dividend Paid to FCF------10.00%-41.47%-736.35%32.80%2.41%5.46%-5.00%3.34%-47.81%3.09%--2.24%10.25%6.70%

Key Statistics & Ratios

Market Cap904.27M
Enterprise Value1.02B
Trailing P/E8.59
Forward P/E0.00
PEG Ratio0.00
Price / Sales1.98
Price / Book0.21
EPS14.27
Book Value610.10
Revenue (TTM)456.83M
Gross Profit (TTM)456.83M
Profit Margin23.06%
Operating Margin32.33%
Return on Equity2.44%
Return on Assets0.32%
Shares Outstanding1.20M
Shares Float1.20M
Beta0.25
Dividend Yield3.15%
Dividend Rate3.86
Payout Ratio27.05%

Dividends

20191×
4.19May 9, 2019
20181×
4.30May 10, 2018
20171×
4.46May 11, 2017
20161×
4.46May 13, 2016
20151×
4.59May 14, 2015
20141×
4.51May 14, 2014
20131×
4.46May 16, 2013
20121×
4.42May 16, 2012
20111×
4.50May 18, 2011
20101×
4.50May 20, 2010
20091×
3.53May 20, 2009
20081×
3.96May 21, 2008
20071×
3.45May 25, 2007
20061×
3.15May 22, 2006
20051×
2.76May 20, 2005
20041×
4.31May 25, 2004
20031×
2.44May 20, 2003