CAT31 Fundamental Analysis - CREDIT AGRICOLE TOULOUSE 31

Name: CREDIT AGRICOLE TOULOUSE 31 (CAT31) Stock
Brand: CREDIT AGRICOLE TOULOUSE 31
Rating: 5.5 (3 reviews)

Fundamental Rating

CAT31 gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 97 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.

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1. Profitability

1.1 Basic Checks

CAT31 had positive earnings in the past year.

In the past year CAT31 has reported a negative cash flow from operations.

CAT31 had positive earnings in each of the past 5 years.

In multiple years CAT31 reported negative operating cash flow during the last 5 years.

1.2 Ratios

With a Return On Assets value of 0.38%, CAT31 is not doing good in the industry: 77.32% of the companies in the same industry are doing better.

With a Return On Equity value of 2.94%, CAT31 is not doing good in the industry: 80.41% of the companies in the same industry are doing better.

		Industry Rank	Sector Rank
ROA	0.38%
ROE	2.94%
ROIC	N/A

ROA(3y)0.4%

ROA(5y)0.38%

ROE(3y)3.38%

ROE(5y)3.25%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

With a Profit Margin value of 20.48%, CAT31 perfoms like the industry average, outperforming 44.33% of the companies in the same industry.

In the last couple of years the Profit Margin of CAT31 has remained more or less at the same level.

The Operating Margin and Gross Margin are not available for CAT31 so they could not be analyzed.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	20.48%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-1.87%

PM growth 5Y-0.27%

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

CAT31 does not have a ROIC to compare to the WACC, probably because it is not profitable.

The number of shares outstanding for CAT31 has been reduced compared to 1 year ago.

CAT31 has less shares outstanding than it did 5 years ago.

CAT31 has a better debt/assets ratio than last year.

2.2 Solvency

A Debt/Equity ratio of 0.02 indicates that CAT31 is not too dependend on debt financing.

CAT31 has a better Debt to Equity ratio (0.02) than 94.85% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.02
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC6.43%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

CAT31 shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -68.54%.

Measured over the past 5 years, CAT31 shows a small growth in Earnings Per Share. The EPS has been growing by 0.72% on average per year.

Looking at the last year, CAT31 shows a small growth in Revenue. The Revenue has grown by 1.84% in the last year.

CAT31 shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 0.75% yearly.

EPS 1Y (TTM)-68.54%

EPS 3Y-1.28%

EPS 5Y0.72%

EPS Q2Q%-72.09%

Revenue 1Y (TTM)1.84%

Revenue growth 3Y0.22%

Revenue growth 5Y0.75%

Sales Q2Q%-0.47%

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.

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4. Valuation

4.1 Price/Earnings Ratio

CAT31 is valuated reasonably with a Price/Earnings ratio of 9.77.

Compared to the rest of the industry, the Price/Earnings ratio of CAT31 is on the same level as its industry peers.

The average S&P500 Price/Earnings ratio is at 27.08. CAT31 is valued rather cheaply when compared to this.

		Industry Rank	Sector Rank
PE	9.77
Fwd PE	N/A

4.2 Price Multiples

		Industry Rank	Sector Rank
P/FCF	N/A
EV/EBITDA	N/A

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)13.64

EPS Next 2YN/A

EPS Next 3YN/A

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 3.02%, CAT31 has a reasonable but not impressive dividend return.

Compared to an average industry Dividend Yield of 4.83, CAT31 is paying slightly less dividend.

CAT31's Dividend Yield is a higher than the S&P500 average which is at 2.30.

		Industry Rank	Sector Rank
Dividend Yield	3.02%

5.2 History

The dividend of CAT31 has a limited annual growth rate of 1.64%.

Dividend Growth(5Y)1.64%

Div Incr Years1

Div Non Decr Years1

5.3 Sustainability

CAT31's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.

DPN/A

EPS Next 2YN/A

EPS Next 3YN/A

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CREDIT AGRICOLE TOULOUSE 31

EPA:CAT31 (10/27/2025, 7:00:00 PM)

117.04

-5.5 (-4.49%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)N/A N/A

Earnings (Next)N/A N/A

Inst Owners7%

Inst Owner ChangeN/A

Ins OwnersN/A

Ins Owner ChangeN/A

Market Cap167.37M

Revenue(TTM)305.39M

Net Income(TTM)62.53M

AnalystsN/A

Price TargetN/A

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	3.02%

Yearly Dividend2.82

Dividend Growth(5Y)1.64%

DPN/A

Div Incr Years1

Div Non Decr Years1

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 Rank	Sector Rank
PE	9.77
Fwd PE	N/A
P/S	0.55
P/FCF	N/A
P/OCF	N/A
P/B	0.08
P/tB	0.08
EV/EBITDA	N/A

EPS(TTM)11.98

EY10.24%

EPS(NY)N/A

Fwd EYN/A

FCF(TTM)-37.36

FCFYN/A

OCF(TTM)-33.94

OCFYN/A

SpS213.56

BVpS1486.38

TBVpS1485.66

PEG (NY)N/A

PEG (5Y)13.64

Graham Number632.97

Profitability

		Industry Rank	Sector Rank
ROA	0.38%
ROE	2.94%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	20.48%
GM	N/A
FCFM	N/A

ROA(3y)0.4%

ROA(5y)0.38%

ROE(3y)3.38%

ROE(5y)3.25%

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

ROICexgc growth 3YN/A

ROICexgc growth 5YN/A

ROICexc growth 3YN/A

ROICexc growth 5YN/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-1.87%

PM growth 5Y-0.27%

GM growth 3YN/A

GM growth 5YN/A

F-Score3

Asset Turnover0.02

Health

		Industry Rank	Sector Rank
Debt/Equity	0.02
Debt/FCF	N/A
Debt/EBITDA	N/A
Cap/Depr	42.82%
Cap/Sales	1.6%
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-Score3

WACC6.43%

ROIC/WACCN/A

Cap/Depr(3y)22.14%

Cap/Depr(5y)35.65%

Cap/Sales(3y)0.84%

Cap/Sales(5y)1.58%

Profit Quality(3y)N/A

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)-68.54%

EPS 3Y-1.28%

EPS 5Y0.72%

EPS Q2Q%-72.09%

EPS Next YN/A

EPS Next 2YN/A

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)1.84%

Revenue growth 3Y0.22%

Revenue growth 5Y0.75%

Sales Q2Q%-0.47%

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 1Y86.62%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y87.78%

OCF growth 3YN/A

OCF growth 5YN/A

CREDIT AGRICOLE TOULOUSE 31 / CAT31.PA FAQ

What is the ChartMill fundamental rating of CREDIT AGRICOLE TOULOUSE 31 (CAT31.PA) stock?

ChartMill assigns a fundamental rating of 2 / 10 to CAT31.PA.

What is the valuation status for CAT31 stock?

ChartMill assigns a valuation rating of 2 / 10 to CREDIT AGRICOLE TOULOUSE 31 (CAT31.PA). This can be considered as Overvalued.

Can you provide the profitability details for CREDIT AGRICOLE TOULOUSE 31?

CREDIT AGRICOLE TOULOUSE 31 (CAT31.PA) has a profitability rating of 2 / 10.

Can you provide the financial health for CAT31 stock?

The financial health rating of CREDIT AGRICOLE TOULOUSE 31 (CAT31.PA) is 3 / 10.

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

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens

CREDIT AGRICOLE TOULOUSE 31 / CAT31.PA FAQ

What is the ChartMill fundamental rating of CREDIT AGRICOLE TOULOUSE 31 (CAT31.PA) stock?

What is the valuation status for CAT31 stock?

Can you provide the profitability details for CREDIT AGRICOLE TOULOUSE 31?

Can you provide the financial health for CAT31 stock?