Caisse Regionale De Credit Agricole Mutuel Sud Rhone Alpes

CRSU · PA · Financial Services / Banks - Regional

172.00EUR+0.00 (0.00%)

Price History

Full chart

Market Stats

Previous Close172.00

Open171.30

Day Range170.88 – 172.00

52-Week Range183.60 – 264.00

Volume257

Market Cap935.72M

P/E (TTM)7.58

Forward P/E4.48

EPS27.19

Dividend Yield2.96%

Beta0.48

50-Day Avg223.73

200-Day Avg216.06

About

Caisse Régionale de Crédit Agricole Mutuel Sud Rhône Alpes provides banking products and services in France. The company offers savings accounts; fixed term deposits; and bank cards. It also provides health and life, home, car and motorcycle, leisure and everyday, and borrower's insurance products; equity savings plan, SME equity savings plan, ordinary securities account, and retirement savings plan securities account; investment products, ETFs, and stock market services; and retirement saving products. In addition, the company offers mortgage loans; consumer credit, including personal loan, student loan, debt consolidation loan, and revolving credit; work credit comprising home improvement and housing transition loan, and eco PTZ; vehicle loans; and mobile payment services. Further, it provides payment management, leasing, factoring, third-party investment services; and financing and consulting services. The company serves individuals, professionals, businesses, and local authorities. The company was incorporated in 1995 and is based in Grenoble, France.

Company Details

SectorFinancial Services
IndustryBanks - Regional
CEOMr. Pierre Fort
Employees1.97K
Headquarters12, Place de la Résistance, Grenoble, France, 38000, France
Websitehttps://www.credit-agricole.fr/ca-sudrhonealpes/pa

Leadership

Mr. Pierre FortChief Executive Officer
Cloe NefussiDirector of Finance & Commitments
Olivier KaramHead of Communication, Partnerships & Events
Armindo De BarrosDirector of Sales
Edwige FouquetDirector of Human Resources & Support Services
Mr. Cyril HuguesAssistant Secretary & Director · b. 1972
Ms. Anne-Caroline Pace-TufferyDeputy Chief Executive Officer
Mr. Eric LebratDeputy CEO
Mr. Bernard ClavelSecretary & Director · b. 1960
Mr. Philippe GlanduTreasurer & Director · b. 1962

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	3.47B	582.76M	525.42M	521.36M	510.64M	580.47M	587.83M	675.62M	762.68M	351.00M	396.00M	456.51M	403.83M	411.96M	421.51M	427.98M	412.06M	403.89M	418.93M	392.82M	621.78M	680.52M	724.92M	388.13M	394.61M	1.08B
Growth (%)	-	-83.22%	-9.84%	-0.77%	-2.06%	+13.67%	+1.27%	+14.93%	+12.89%	-53.98%	+12.82%	+15.28%	-11.54%	+2.01%	+2.32%	+1.53%	-3.72%	-1.98%	+3.72%	-6.23%	+58.29%	+9.45%	+6.52%	-46.46%	+1.67%	+173.90%
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	0	0	0	0	-	193.31M	180.91M	194.96M	-3.40M	664.97M	628.36M
Gross Profit	-	-	-	-	-	-	-	-	-	351.00M	396.00M	456.51M	403.83M	411.96M	421.51M	427.98M	412.06M	403.89M	418.93M	392.82M	340.51M	412.85M	424.75M	391.53M	397.32M	452.50M
Gross Margin	-	-	-	-	-	-	-	-	-	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	54.76%	60.67%	58.59%	100.88%	100.69%	41.87%
Operating Expense	-	-	-	-	-	-	-	-	-	206.00M	226.00M	-78.00M	-51.02M	236.70M	234.09M	239.61M	250.93M	246.34M	268.89M	270.75M	268.15M	275.94M	286.29M	292.59M	298.49M	334.57M
Operating Income	2.03B	361.01M	71.81M	87.62M	281.36M	337.13M	373.71M	445.62M	529.55M	145.00M	170.00M	534.51M	454.85M	175.26M	187.42M	188.38M	161.13M	157.56M	150.04M	122.07M	72.35M	136.91M	138.45M	98.94M	98.83M	117.93M
Operating Margin	58.40%	61.95%	13.67%	16.81%	55.10%	58.08%	63.57%	65.96%	69.43%	41.31%	42.93%	117.09%	112.63%	42.54%	44.46%	44.01%	39.10%	39.01%	35.82%	31.08%	11.64%	20.12%	19.10%	25.49%	25.04%	10.91%
EBITDA	-	-	-	-	-	-	-	-	-	158.98M	183.56M	254.54M	467.94M	192.41M	203.89M	202.81M	175.70M	172.26M	165.93M	182.00K	92.80M	156.38M	157.78M	117.08M	116.33M	134.92M
EBITDA Margin	-	-	-	-	-	-	-	-	-	45.29%	46.35%	55.76%	115.87%	46.71%	48.37%	47.39%	42.64%	42.65%	39.61%	0.05%	14.93%	22.98%	21.77%	30.17%	29.48%	12.48%
Net Income	-	-	-	-	-	-	103.03M	100.72M	88.18M	99.00M	119.86M	160.64M	93.86M	110.86M	125.10M	126.02M	105.02M	113.18M	112.87M	93.40M	47.51M	107.16M	118.21M	91.14M	94.07M	107.10M
Net Income Margin	-	-	-	-	-	-	17.53%	14.91%	11.56%	28.21%	30.27%	35.19%	23.24%	26.91%	29.68%	29.45%	25.49%	28.02%	26.94%	23.78%	7.64%	15.75%	16.31%	23.48%	23.84%	9.91%
Interest Expense	0	0	0	0	0	0	0	0	0	0	257.31M	298.74M	296.20M	250.72M	233.54M	213.63M	2.52M	2.01M	188.78M	208.28M	193.31M	180.91M	194.96M	607.17M	664.97M	587.36M
Interest Expense % of Total Revenue	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	64.98%	65.44%	73.35%	60.86%	55.40%	49.92%	0.61%	0.50%	45.06%	53.02%	31.09%	26.58%	26.89%	156.44%	168.51%	54.34%

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	42.88B	6.92B	7.07B	7.30B	7.86B	8.98B	9.95B	10.62B	10.96B	11.48B	12.70B	14.12B	15.20B	14.87B	15.39B	17.16B	18.21B	19.35B	20.51B	22.72B	24.97B	25.88B	27.97B	27.32B	27.39B	27.90B
Total Liabilities	39.81B	6.28B	6.40B	6.58B	7.08B	7.81B	8.43B	9.25B	9.96B	133.00M	114.00M	12.14B	13.57B	13.13B	13.51B	15.16B	16.11B	17.13B	18.03B	20.09B	22.37B	22.92B	25.04B	24.20B	24.02B	24.15B
Total Equity	3.07B	641.22M	669.74M	720.86M	773.89M	1.17B	1.51B	1.37B	1.01B	1.24B	1.35B	1.50B	1.63B	1.74B	1.88B	2.00B	2.09B	2.22B	2.48B	2.63B	2.61B	2.97B	2.92B	3.12B	3.37B	3.74B
Cash	721.54M	80.92M	118.46M	119.41M	108.68M	114.14M	62.88M	54.26M	325.68M	95.00M	62.00M	62.70M	184.35M	56.28M	52.90M	58.67M	55.26M	287.39M	250.41M	666.42M	1.17B	1.95B	1.08B	425.42M	424.45M	116.06M
Total Debt	-	-	-	-	-	-	-	-	-	133.00M	114.00M	12.14B	553.08M	390.72M	335.94M	332.62M	10.43B	474.70M	664.70M	12.97B	13.66B	13.69B	15.78B	14.85B	14.81B	14.66B
Net Debt	-	-	-	-	-	-	-	-	-	38.00M	52.00M	12.07B	368.73M	334.43M	283.04M	273.95M	10.37B	186.68M	414.27M	12.31B	12.49B	11.74B	14.70B	-232.41M	-46.21M	14.54B

Cash Flow

Currency: EUR	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	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	-	-	-	-191.19M	-105.11M	371.98M	-325.95M	60.55M	-112.77M	143.80M	799.81M	-114.29M	138.35M	488.93M	1.94M	390.14M	992.26M	-642.01M	8.32M	247.13M
Investing Cash Flow	-	-	-	-28.41M	-12.04M	-20.74M	-16.93M	-20.88M	-10.23M	-10.55M	-494.26M	-47.23M	-29.86M	-14.30M	461.08M	402.93M	-2.08B	-16.01M	-22.40M	-154.00M
Financing Cash Flow	-	-	-	-43.67M	-16.71M	-9.49M	6.34M	-19.66M	4.21M	-12.05M	-17.22M	6.09M	7.38M	-7.62M	31.65M	-4.05M	14.04M	-80.90M	2.00M	-42.49M
Capital Expenditure	0	0	0	8.25M	12.59M	17.01M	14.65M	8.97M	7.75M	8.64M	26.72M	41.07M	25.71M	13.16M	16.85M	8.31M	7.11M	6.11M	9.85M	12.64M
Free Cash Flow	-	-	-	-199.44M	-117.70M	354.97M	-340.60M	51.58M	-120.52M	135.16M	773.08M	-155.36M	112.64M	475.77M	-14.90M	381.83M	985.15M	-648.12M	-1.54M	234.49M
Dividends Paid	-	-	-	-	-	-	17.58M	17.08M	17.35M	16.88M	17.50M	17.43M	16.21M	16.66M	16.16M	14.10M	15.65M	17.82M	19.85M	19.65M
FCF to OCF	-	-	-	104.32%	111.98%	95.43%	104.49%	85.19%	106.87%	93.99%	96.66%	135.93%	81.42%	97.31%	-766.72%	97.87%	99.28%	100.95%	-18.47%	94.89%
Dividend Paid to FCF	-	-	-	-	-	-	-5.16%	33.11%	-14.39%	12.49%	2.26%	-11.22%	14.39%	3.50%	-108.41%	3.69%	1.59%	-2.75%	-1292.45%	8.38%

Earnings

Report Date	Jul 26, 2017	Apr 9, 2018	Aug 8, 2018	Apr 3, 2019	Dec 3, 2019	Apr 27, 2020	Oct 27, 2020	Mar 8, 2021	Sep 6, 2021	Mar 15, 2022	Sep 8, 2022	Apr 25, 2023	Mar 13, 2025	Sep 17, 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	0.00
EPS Actual	16.13	8.71	13.72	11.06	12.32	8.15	2.20	8.25	12.50	11.07	16.03	10.01	6.00	15.73
Surprise	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Timing	After-hours	After-hours	-	-	-	-	-	-	-	-	-	-	-	-

Key Statistics & Ratios

Market Cap935.72M

Enterprise Value1.03B

Trailing P/E7.58

Forward P/E4.48

PEG Ratio0.00

Price / Sales2.10

Price / Book0.26

EPS27.19

Book Value819.36

Revenue (TTM)444.59M

Gross Profit (TTM)444.59M

Profit Margin27.67%

Operating Margin38.76%

Return on Equity3.32%

Return on Assets0.44%

Shares Outstanding593.41K

Shares Float627.43K

Beta0.48

Dividend Yield2.96%

Dividend Rate6.27

Payout Ratio23.07%

Dividends

20191×

6.79May 29, 2019

20181×

6.60May 30, 2018

20171×

7.27May 30, 2017

20161×

7.27Jun 28, 2016

20151×

6.96May 28, 2015

20141×

6.78May 28, 2014

20131×

6.72May 29, 2013

20121×

7.16May 29, 2012

20111×

6.82May 27, 2011

20101×

6.26May 27, 2010

20091×

6.26May 28, 2009

20081×

6.26May 28, 2008

20071×

6.03Jun 1, 2007

20061×

5.07Jun 1, 2006

20051×

3.78Jun 1, 2005

20041×

5.13Jun 1, 2004

20031×

2.65Jun 5, 2003

20021×

2.55Jun 5, 2002

20011×

1.91Jun 5, 2001

20001×

1.91Jun 2, 2000