Caisse Reg Cred Agric Mut Tourain Poitou

Caisse Reg Cred Agric Mut Tourain Poitou

CRTO · PA · Financial Services / Banks - Regional

105.50EUR-0.48 (-0.45%)

Price History

Full chart

Market Stats

Previous Close105.98
Open105.98
Day Range105.50 – 106.00
52-Week Range96.86 – 162.24
Volume188
Market Cap755.56M
P/E (TTM)10.68
Forward P/E0.00
EPS11.33
Dividend Yield2.81%
Beta0.23
50-Day Avg134.80
200-Day Avg134.79

About

Caisse Régionale de Crédit Agricole Mutuel de La Touraine et du Poitou Société Coopérative provides various banking products and services in France. The company offers savings accounts and fixed term deposits; life insurance; stock market and financial investments; responsible investment; and retirement savings. It also provides home, car and motorcycle, health and life, leisure and everyday, borrowers, professional activity, business premises, commercial vehicle, agricultural building, agricultural equipment, agricultural business, association, and employee insurance products; mortgage loans; consumer credit, including personal, student, debit consolidation loans, as well as revolving credit; home improvement and housing transition loans, and eco PTZ; and auto loan, mobility transition loan, LLD/LOA agilauto, ready 2 wheels, and recreation vehicle loans. In addition, the company offers treasury, creation and installation, medium-term loans, leasing, and commercial vehicles; cash investments, retirement savings, employee savings, and responsible investments; leasing financing; project and development funding; and operating cycle, equipment and real estate, market guarantees and sureties, capital strengthening, and energy transition; support solutions, hedging against foreign exchange risk, trade finance, and export financing; and financial engineering services. Further, it provides local authority investments, social housing investments, local government treasury, and social housing treasury; and public authority insurance. It serves individuals, professionals, businesses, farmers, associations, and local authorities. The company was incorporated in 1995 and is headquartered in Poitiers, France.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMs. Nathalie Mourlon
  • Employees1.52K
  • Headquarters18 rue Salvador Allende, Poitiers, France, 86008, France
  • Websitehttps://www.credit-agricole.fr

Leadership

  • Ms. Nathalie MourlonManaging Director · b. 1966
  • Mr. Maamar MestouraDirector of Finance, Technology & General Resources
  • Mr. Alexis PolletDirector of Prescription, Professionals, Marketing & Communications
  • Mr. Erwan De VilleneuveDirector of Human Resources
  • Mr. Emmanuel De LoynesDirector of General Secretariat & Commitments Department

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 Revenue2.67B435.24M395.37M410.31M425.68M448.21M492.71M540.35M584.08M277.11M306.92M310.83M278.31M313.21M279.64M293.78M284.15M279.75M275.44M282.41M243.32M459.53M509.05M332.13M296.78M618.86M
Growth (%)--83.68%-9.16%+3.78%+3.75%+5.29%+9.93%+9.67%+8.09%-52.56%+10.76%+1.27%-10.46%+12.54%-10.72%+5.05%-3.28%-1.55%-1.54%+2.53%-13.84%+88.85%+10.78%-34.75%-10.64%+108.52%
Cost of Revenue----425.68M448.21M492.71M540.35M584.08M----00000---111.92M129.23M-381.58M386.17M316.43M
Gross Profit---------277.11M306.92M310.83M278.31M313.21M279.64M293.78M284.15M279.75M275.44M282.41M411.48M286.66M322.05M713.72M296.78M302.43M
Gross Margin---------100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%169.11%62.38%63.26%214.89%100.00%48.87%
Operating Expense----------66.17M-17.04M-24.30M-36.33M-9.17M168.82M170.34M174.39M174.47M177.12M180.21M178.35M192.65M214.77M592.92M212.17M211.66M
Operating Income451.98M94.88M80.68M95.13M102.84M98.81M107.20M110.05M94.36M343.28M323.96M335.13M314.65M322.38M110.82M123.43M109.76M105.28M98.33M102.20M233.13M94.01M107.28M120.80M84.62M90.77M
Operating Margin16.94%21.80%20.41%23.18%24.16%22.05%21.76%20.37%16.16%123.88%105.55%107.82%113.05%102.93%39.63%42.02%38.63%37.63%35.70%36.19%95.81%20.46%21.07%36.37%28.51%14.67%
EBITDA----95.37M108.08M115.76M118.60M102.32M--127.63M---130.62M118.33M113.01M105.42M110.13M74.18M100.21M117.33M131.40M97.48M101.08M
EBITDA Margin----22.40%24.11%23.49%21.95%17.52%--41.06%---44.46%41.64%40.40%38.27%39.00%30.49%21.81%23.05%39.56%32.85%16.33%
Net Income----68.34M66.95M74.16M79.40M73.62M60.95M73.85M76.65M48.59M69.20M74.47M85.72M70.04M67.22M80.00M78.67M45.72M72.54M93.62M111.83M80.55M82.23M
Net Income Margin----16.05%14.94%15.05%14.69%12.60%21.99%24.06%24.66%17.46%22.09%26.63%29.18%24.65%24.03%29.04%27.86%18.79%15.79%18.39%33.67%27.14%13.29%
Interest Expense00001.87M1.88M2.02M2.27M983.00K250.86M217.13M220.00M229.82M214.60M210.36M196.82M178.51M153.88M135.85M142.84M115.19M111.92M129.23M324.25M386.17M316.43M
Interest Expense % of Total Revenue0.00%0.00%0.00%0.00%0.44%0.42%0.41%0.42%0.17%90.53%70.74%70.78%82.58%68.52%75.23%67.00%62.82%55.01%49.32%50.58%47.34%24.36%25.39%97.63%130.12%51.13%

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 Assets33.54B5.48B5.47B5.56B6.07B7.03B8.15B8.49B8.36B8.82B9.33B10.38B10.88B11.73B11.76B11.18B12.03B12.59B13.04B13.75B15.22B16.40B16.84B16.86B16.77B16.96B
Total Liabilities30.37B4.80B4.74B4.77B5.20B5.88B6.77B7.21B7.37B7.66B8.10B9.09B9.51B10.29B67.55M56.69M66.20M10.75B10.98B11.54B13.00B13.90B14.37B14.21B13.94B13.83B
Total Equity3.18B683.46M730.44M787.42M866.42M1.15B1.38B1.28B983.14M1.16B1.23B1.29B1.37B1.45B1.56B1.66B1.73B1.83B2.06B2.21B2.22B2.50B2.46B2.65B2.83B3.13B
Cash297.60M65.15M99.34M71.76M72.00M80.00M96.00M46.71M70.29M46.97M46.37M44.17M77.58M104.83M43.13M43.26M38.89M105.13M43.11M49.92M50.23M46.74M59.15M56.94M70.02M86.92M
Total Debt----3.66B4.18B4.80B5.07B5.06B5.33B5.28B5.78B212.20M20.02M--6.57B127.99M6.87B7.11B7.98B8.43B8.86B8.62B8.11B118.01M
Net Debt----3.66B4.18B4.80B5.07B5.06B5.28B5.23B5.74B134.62M-84.81M-43.13M-43.26M6.53B-85.22M6.82B7.06B7.93B8.38B8.80B-22.35M-70.02M31.09M

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 Flow112.34M6.31M88.08M137.78M273.27M77.18M12.27M86.04M-44.75M16.15M51.01M33.67M585.27M-45.93M-143.98M119.03M85.94M630.42M437.93M-307.68M118.54M-122.84M
Investing Cash Flow-251.32M153.52M226.68M-665.16M57.94M-20.80M-20.77M-8.55M-7.89M-26.95M-15.79M-13.11M-423.95M-6.82M-8.44M-6.95M364.66M448.74M-1.30B-37.20M-19.42M-22.65M
Financing Cash Flow-10.18M-10.79M-28.15M-13.81M-24.11M-7.17M-2.91M-2.69M12.31M2.76M30.36M18.57M-5.16M16.19M17.50M19.33M35.34M10.69M1.76M-38.95M-19.75M-21.00M
Capital Expenditure7.21M7.20M14.51M7.37M4.06M6.45M6.53M3.90M8.02M13.59M14.09M8.87M9.38M4.67M5.10M6.40M4.36M8.07M8.74M12.24M16.90M17.16M
Free Cash Flow105.13M-887.00K73.57M130.41M269.21M70.73M5.74M82.14M-52.77M2.56M36.92M24.80M575.90M-50.60M-149.09M112.63M81.57M622.35M429.19M-319.93M101.63M-140.00M
Dividends Paid8.14M9.15M11.27M11.59M12.67M---12.85M11.62M11.79M12.54M11.74M11.74M12.57M13.42M13.17M12.86M13.80M18.39M20.44M19.74M
FCF to OCF93.58%-14.05%83.53%94.65%98.51%91.64%46.79%95.46%117.93%15.87%72.38%73.66%98.40%110.16%103.54%94.62%94.92%98.72%98.00%103.98%85.74%113.97%
Dividend Paid to FCF7.74%-1031.23%15.31%8.89%4.71%----24.35%453.37%31.94%50.55%2.04%-23.21%-8.43%11.92%16.14%2.07%3.22%-5.75%20.11%-14.10%

Earnings

Report DateJul 31, 2017Apr 3, 2018Aug 8, 2018Sep 30, 2018Apr 1, 2019Dec 24, 2019Mar 27, 2020Aug 31, 2020Mar 29, 2021Aug 27, 2021Mar 10, 2022Sep 12, 2022Apr 11, 2023Mar 13, 2025
EPS Estimate0.000.000.00-0.000.000.000.000.000.000.000.000.000.00
EPS Actual9.194.349.440.265.819.405.603.555.178.495.3411.086.772.31
Surprise--------------
TimingPre-market-------------

Key Statistics & Ratios

Market Cap755.56M
Enterprise Value823.16M
Trailing P/E10.68
Forward P/E0.00
PEG Ratio0.00
Price / Sales2.39
Price / Book0.26
EPS11.33
Book Value516.96
Revenue (TTM)315.95M
Gross Profit (TTM)315.95M
Profit Margin26.99%
Operating Margin40.07%
Return on Equity2.75%
Return on Assets0.51%
Shares Outstanding1.00M
Shares Float1.00M
Beta0.23
Dividend Yield2.81%
Dividend Rate3.40
Payout Ratio28.33%

Dividends

20261×
3.40May 19, 2026
20251×
3.21Apr 22, 2025
20241×
3.19Apr 23, 2024
20231×
3.28May 23, 2023
20221×
2.98May 17, 2022
20211×
2.92May 18, 2021
20201×
3.24Apr 14, 2020
20191×
3.20Apr 16, 2019
20181×
3.20Apr 17, 2018
20171×
3.20Apr 18, 2017
20161×
3.20Apr 12, 2016
20151×
3.20Apr 14, 2015
20141×
2.75Apr 14, 2014
20131×
2.65Apr 15, 2013
20121×
3.10May 11, 2012
20111×
3.10May 16, 2011
20101×
3.00May 14, 2010
20091×
3.20May 14, 2009
20081×
3.50May 14, 2008
20071×
3.30May 23, 2007
20061×
3.10May 29, 2006
20051×
2.90May 24, 2005
20041×
4.13May 24, 2004
20031×
2.50May 21, 2003