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CREDIT AGRICOLE TOULOUSE 31 (CAT31.PA) Stock Fundamental Analysis

EPA:CAT31 - Euronext Paris - Matif - FR0000045544 - Common Stock - Currency: EUR

88.5  +0.3 (+0.34%)

Fundamental Rating

2

Taking everything into account, CAT31 scores 2 out of 10 in our fundamental rating. CAT31 was compared to 93 industry peers in the Banks industry. Both the profitability and financial health of CAT31 have multiple concerns. CAT31 does not seem to be growing, but still is valued expensively.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

In the past year CAT31 was profitable.
In the past year CAT31 has reported a negative cash flow from operations.
Each year in the past 5 years CAT31 has been profitable.
In multiple years CAT31 reported negative operating cash flow during the last 5 years.
CAT31.PA Yearly Net Income VS EBIT VS OCF VS FCFCAT31.PA Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 200M -200M 400M -400M

1.2 Ratios

Looking at the Return On Assets, with a value of 0.41%, CAT31 is doing worse than 72.04% of the companies in the same industry.
CAT31 has a Return On Equity of 3.43%. This is in the lower half of the industry: CAT31 underperforms 77.42% of its industry peers.
Industry RankSector Rank
ROA 0.41%
ROE 3.43%
ROIC N/A
ROA(3y)0.42%
ROA(5y)0.4%
ROE(3y)3.58%
ROE(5y)3.4%
ROIC(3y)N/A
ROIC(5y)N/A
CAT31.PA Yearly ROA, ROE, ROICCAT31.PA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2 4 6

1.3 Margins

CAT31 has a Profit Margin (22.44%) which is comparable to the rest of the industry.
In the last couple of years the Profit Margin of CAT31 has remained more or less at the same level.
CAT31 does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 22.44%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y14.73%
PM growth 5Y0.8%
GM growth 3YN/A
GM growth 5YN/A
CAT31.PA Yearly Profit, Operating, Gross MarginsCAT31.PA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 10 20 30

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3

2. Health

2.1 Basic Checks

CAT31 does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, CAT31 has less shares outstanding
CAT31 has less shares outstanding than it did 5 years ago.
CAT31 has a better debt/assets ratio than last year.
CAT31.PA Yearly Shares OutstandingCAT31.PA Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 1M 2M 3M 4M
CAT31.PA Yearly Total Debt VS Total AssetsCAT31.PA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 5B 10B 15B

2.2 Solvency

A Debt/Equity ratio of 0.02 indicates that CAT31 is not too dependend on debt financing.
CAT31's Debt to Equity ratio of 0.02 is amongst the best of the industry. CAT31 outperforms 96.77% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.02
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC5.92%
CAT31.PA Yearly LT Debt VS Equity VS FCFCAT31.PA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 500M 1B 1.5B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
CAT31.PA Yearly Current Assets VS Current LiabilitesCAT31.PA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 200M 400M 600M

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2

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 224.82% over the past year.
Measured over the past 5 years, CAT31 shows a small growth in Earnings Per Share. The EPS has been growing by 3.34% on average per year.
CAT31 shows a decrease in Revenue. In the last year, the revenue decreased by -1.16%.
The Revenue has been growing slightly by 2.28% on average over the past years.
EPS 1Y (TTM)224.82%
EPS 3Y19.23%
EPS 5Y3.34%
EPS Q2Q%303.41%
Revenue 1Y (TTM)-1.16%
Revenue growth 3Y3.52%
Revenue growth 5Y2.28%
Sales Q2Q%2.7%

3.2 Future

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
CAT31.PA Yearly Revenue VS EstimatesCAT31.PA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 100M 200M 300M
CAT31.PA Yearly EPS VS EstimatesCAT31.PA Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023

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2

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 2.32, the valuation of CAT31 can be described as very cheap.
Compared to the rest of the industry, the Price/Earnings ratio of CAT31 indicates a rather cheap valuation: CAT31 is cheaper than 100.00% of the companies listed in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 29.35, CAT31 is valued rather cheaply.
Industry RankSector Rank
PE 2.32
Fwd PE N/A
CAT31.PA Price Earnings VS Forward Price EarningsCAT31.PA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
CAT31.PA Per share dataCAT31.PA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 500 1K

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)0.7
EPS Next 2YN/A
EPS Next 3YN/A

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3

5. Dividend

5.1 Amount

CAT31 has a Yearly Dividend Yield of 3.67%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 5.02, CAT31 is paying slightly less dividend.
Compared to an average S&P500 Dividend Yield of 2.33, CAT31 pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.67%

5.2 History

Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years0
CAT31.PA Yearly Dividends per shareCAT31.PA Yearly Dividends per shareYearly Dividends per share 2019 2020 2021 2022 2023 2024 2 4 6 8

5.3 Sustainability

DP0%
EPS Next 2YN/A
EPS Next 3YN/A
CAT31.PA Yearly Income VS Free CF VS DividendCAT31.PA Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 200M -200M 400M -400M

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CREDIT AGRICOLE TOULOUSE 31

EPA:CAT31 (3/7/2025, 7:00:00 PM)

88.5

+0.3 (+0.34%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)N/A N/A
Earnings (Next)N/A N/A
Inst Owners7.95%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap126.56M
AnalystsN/A
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 3.67%
Yearly Dividend2.52
Dividend Growth(5Y)N/A
DP0%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 2.32
Fwd PE N/A
P/S 0.42
P/FCF N/A
P/OCF N/A
P/B 0.06
P/tB 0.06
EV/EBITDA N/A
EPS(TTM)38.08
EY43.03%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)-103.24
FCFYN/A
OCF(TTM)-101.07
OCFYN/A
SpS209.69
BVpS1371.37
TBVpS1371.23
PEG (NY)N/A
PEG (5Y)0.7
Profitability
Industry RankSector Rank
ROA 0.41%
ROE 3.43%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 22.44%
GM N/A
FCFM N/A
ROA(3y)0.42%
ROA(5y)0.4%
ROE(3y)3.58%
ROE(5y)3.4%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y14.73%
PM growth 5Y0.8%
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0.02
Health
Industry RankSector Rank
Debt/Equity 0.02
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 27.34%
Cap/Sales 1.03%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score4
WACC5.92%
ROIC/WACCN/A
Cap/Depr(3y)18.86%
Cap/Depr(5y)99.17%
Cap/Sales(3y)0.75%
Cap/Sales(5y)3.85%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)224.82%
EPS 3Y19.23%
EPS 5Y3.34%
EPS Q2Q%303.41%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-1.16%
Revenue growth 3Y3.52%
Revenue growth 5Y2.28%
Sales Q2Q%2.7%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-238.79%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-238.08%
OCF growth 3YN/A
OCF growth 5YN/A