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About The Company

CEO

Guillaume Rousseau

Market Cap

343.25 Million EUR

Sector

Financial Services

Website

https://www.credit-agricole.fr/ca-illeetvilaine

Description

Caisse régionale de Crédit Agricole Mutuel d'Ille-et-Vilaine Société coopérative provides banking services in France.

Read More

Overview

Value

96

Growth

82

Health

72

Management

47

Analyst Opinion

80

Total

75

All Scores Out Of 100

Best Features

  • Very strong cashflow and earnings growth
  • Has a low level of debt
  • Has a history of share buybacks
  • Has strong financial health
  • Price-to-earnings ratio of 5.3 is lower than the market average (19.6x)
  • Has a margin-of-safety above fair value
  • Liked by analysts
  • Low preportion of income is paid as dividend

Risk Factors

  • Earnings have declined recently
  • Very undervalued
  • 0

Market Peers

CIV.PA

Key Figures

PE Ratio (TTM)

5.28

Margin Of Safety (DCF)

4483.50%

Revenue Growth (5 Year Average)

17.57%

Ratings Consensus

Buy

Share Buybacks

0.03%

Dividend Yeild (TTM)

0.77%

Valuation

Value Score

96

  • Price-to-earnings ratio of 5.3 is lower than the market average (19.6x)
  • Free-cashflow-yeild of 55.85% is better than the market average (4.7%)
  • Margin-of-safety of 4483.50% is better than the market average (17.95%)
  • Estimated intrinsic-value of 2.51 Thousand EUR is higher than current price ( 53.50 EUR)

Desired Margin Of Safety

0%

Tip: Set your desired Margin Of Safety

Free Cash Flow Type

Annual Cashflow Growth

0%

Discount Rate

0%

Buy Target: < 984.2 EUR

Current Price: 54.7 EUR

How Does This Work?

Show Advanced Options

This calculator helps investors estimate the Intrinsic Value of a company based on the current value of future cash flows. To use the tool, simply input a desired Margin Of Safety, which is an additional discount applied to the present value of the expected future cash flows. The tool calculates the present value using a discount rate that reflects the risk and time value of money, and provides an estimated target price for the company based on the selected margin of safety. The calculator defaults to using 5 Year Free Cash Flow Growth % and a discount rate based on the US 10-year treasury bond coupon rate. Use our performance analyser to get a feel the impact this has on longterm investment returns and discover a margin of safety you are comfortable with. This can be a useful tool for investors looking to make informed decisions about whether to buy or sell shares of a particular company.

Price/Earnings

5.28x

Free Cashflow Yeild

55.85%

PE/Earnings Growth

0.03

Price/Book

0.17x

Growth

Growth Score

82

  • 5 Year Average Revenue growth of 17.57% is higher than the market average (10.97%)
  • 5 Year Average Earnings growth of 25.02% is higher than the market average (14.48%)
  • 5 Year Average Cashflow growth of 27.72% is higher than the market average (12.35%)
  • Free Cashflow growth has improved this year
  • Revenue growth has slowed this year
  • Earnings growth has slowed this year

Revenue Growth

17.57%

Earnings Growth

25.02%

Cashflow Growth

27.72%

Health

Health Score

72

  • Has a low level of debt
  • Assets cover liabilities
  • Low financial Leverage
  • Normal operation does not require debt to be sustainable
  • Debt repayments do not significantly impact cashflow

Altman Z Score

N/A

Piostroski Score

N/A

Debt/Equity

0.04x

Current Assets/Liabilities

30.92x

Free Cashflow/Total Debt

10.38x

Debt/Capital

0.05x

Management

Management Score

47

  • Has repurchased shares when value is good
  • Has a history of returning value to shareholders through stock buybacks
  • Return-on-capital-employed of 1.30% is lower than the market average (10%)
  • Return-on-equity of 3.12% is lower than the market average (15%)

Average Buybacks/Dilution

0.03%

Recent Buybacks/Dilution

7.03%

5 Year Price Volitility

18.47%

Return On Assets

0.37%

Return On Capital Employed

1.30%

Return On Equity

3.12%

Return On Free Cashflow

74.61%

Return On Investments

N/A

Analysts

Analyst Opinion

80

  • Ratings consensus is Buy

SEC Filings

Find yearly (10-K), quaterly (10-Q) and disclosure (8-K) report here, on the Securities and Exchange Commission's EDGAR database. If reading through reports isn't your cup of tea, don't worry. We've made it easy for you by summarizing all the important bits.

Other Information

Company Name

Currency

EUR

Beta

Vol Avg

Ceo

Guillaume Rousseau

Cik

Cusip

F1310S105

Exchange

Paris

Full Time Employees

Industry

Banks—Regional

Sector

Financial Services

Ipo Date

Address

4, rue Louis Braille

City

Saint-Jacques-de-la-Lande

State

BRETAGNE

Country

Zip

35136

Phone

33980983535

All financial data provided by FMP

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