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About The Company

CEO

Mr. Jean-Yves Carillet

Market Cap

131.21 Million EUR

Sector

Financial Services

Website

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

Last Update

2/22/2024, 12:00:00 PM

Description

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

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Overview

Value

98

Growth

82

Health

71

Management

25

Analyst Opinion

69

Total

69

All Scores Out Of 100

Best Features

  • Very strong cashflow and earnings growth
  • Earnings growth has improved recently
  • Has a low level of debt
  • Has a history of share buybacks
  • Has strong financial health
  • Price-to-earnings ratio of 2.6 is lower than the market average (19.6x)
  • Has a margin-of-safety above fair value
  • Low preportion of income is paid as dividend

Risk Factors

  • Altman-Z score suggests a risk of bankruptcy
  • Disliked by Twitter users
  • Very undervalued
  • Dividend could be at risk

Market Peers

CIV.PA

Key Figures

PE Ratio (TTM)

2.59

Margin Of Safety (DCF)

10821.00%

Revenue Growth (5 Year Average)

17.57%

Ratings Consensus

Buy

Share Buybacks

0.03%

Dividend Yeild (TTM)

7.99%

Valuation

Value Score

98

  • Price-to-earnings ratio of 2.6 is lower than the market average (19.6x)
  • Free-cashflow-yeild of 270.96% is better than the market average (4.7%)
  • Margin-of-safety of 10821.00% is better than the market average (17.95%)
  • Estimated intrinsic-value of 6.29 Thousand EUR is higher than current price ( 58.21 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: < 51182567709.6 EUR

Current Price: 57.6 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

2.59x

Free Cashflow Yeild

270.96%

PE/Earnings Growth

0.01

Price/Book

Infinityx

Growth

Growth Score

82

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

Revenue Growth

17.57%

Earnings Growth

25.02%

Cashflow Growth

27.72%

Health

Health Score

71

  • 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 suggests a risk of bankruptcy

Altman Z Score

0.00

Piostroski Score

6.00

Debt/Equity

0.04x

Current Assets/Liabilities

30.92x

Free Cashflow/Total Debt

10.38x

Debt/Capital

0.05x

Dividend

Secure Dividend Score

0

  • Dividend yeild of 7.99% is more than the market average (1.85%)
  • Long term dividend payout ratio of 0.00% is considered good
  • Payout ratio (TTM) of 7.73% is lower than the average (40%)
  • Dividends have shown growth over the last 5 years
  • Very unsafe
  • Spending a higher percentage of their income on dividends than last 5 years

Dividend Yeild

7.99%

Dividend Growth

0.00%

Payout Ratio (Earnings)

7.73%

Payout Ratio (Cashflow)

N/A

Management

Management Score

25

  • 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 1.09% is lower than the market average (15%)

Average Buybacks/Dilution

0.03%

Recent Buybacks/Dilution

-62.74%

5 Year Price Volitility

18.47%

Return On Assets

0.13%

Return On Capital Employed

1.30%

Return On Equity

1.09%

Return On Free Cashflow

N/A

Return On Investments

N/A

Social Sentiment

Social Sentiment Score

0

Twitter Sentiment

N/A

Stocktwits Sentiment

N/A

Analysts

Analyst Opinion

69

  • 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

Caisse régionale de Crédit Agricole Mutuel d'Ille-et-Vilaine Société coopérative

Currency

EUR

Beta

0.914264

Vol Avg

225

Ceo

Mr. Jean-Yves Carillet

Cik

Cusip

F1310S105

Exchange

Paris

Full Time Employees

1385

Industry

Banks—Regional

Sector

Financial Services

Ipo Date

2000-01-03

Address

4, rue Louis Braille

City

Saint-Jacques-de-la-Lande

State

Country

FR

Zip

35136

Phone

33 2 23 40 23 74

Analysis Last Updated

2/22/2024, 12:00:00 PM

All financial data provided by FMP

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