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

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

90.1  -0.4 (-0.44%)

Fundamental Rating

3

CAT31 gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 96 industry peers in the Banks industry. CAT31 may be in some trouble as it scores bad on both profitability and health. CAT31 is valued expensive and it does not seem to be growing.


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 2024 0 200M -200M 400M -400M

1.2 Ratios

CAT31 has a Return On Assets of 0.41%. This is in the lower half of the industry: CAT31 underperforms 76.04% of its industry peers.
Looking at the Return On Equity, with a value of 3.27%, CAT31 is doing worse than 79.17% of the companies in the same industry.
Industry RankSector Rank
ROA 0.41%
ROE 3.27%
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
CAT31.PA Yearly ROA, ROE, ROICCAT31.PA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6

1.3 Margins

CAT31 has a Profit Margin (21.71%) which is comparable to the rest of the industry.
CAT31's Profit Margin has been stable in the last couple of years.
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) 21.71%
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
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 2024 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.
The number of shares outstanding for CAT31 has been reduced compared to 1 year ago.
Compared to 5 years ago, CAT31 has less shares outstanding
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 2024 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 2024 5B 10B 15B

2.2 Solvency

A Debt/Equity ratio of 0.02 indicates that CAT31 is not too dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.02, CAT31 belongs to the top of the industry, outperforming 95.83% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.02
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC6.09%
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 2024 0 500M 1B 1.5B 2B

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 2024 200M 400M 600M

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3

3. Growth

3.1 Past

CAT31 shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 176.63%, which is quite impressive.
CAT31 shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 0.72% yearly.
Looking at the last year, CAT31 shows a small growth in Revenue. The Revenue has grown by 3.61% in the last year.
Measured over the past years, CAT31 shows a small growth in Revenue. The Revenue has been growing by 0.75% on average per year.
EPS 1Y (TTM)176.63%
EPS 3Y-1.28%
EPS 5Y0.72%
EPS Q2Q%-43.66%
Revenue 1Y (TTM)3.61%
Revenue growth 3Y0.22%
Revenue growth 5Y0.75%
Sales Q2Q%4.71%

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 2024 100M 200M 300M

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4. Valuation

4.1 Price/Earnings Ratio

CAT31 is valuated cheaply with a Price/Earnings ratio of 2.50.
Based on the Price/Earnings ratio, CAT31 is valued cheaply inside the industry as 100.00% of the companies are valued more expensively.
The average S&P500 Price/Earnings ratio is at 26.34. CAT31 is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 2.5
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)3.49
EPS Next 2YN/A
EPS Next 3YN/A

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 4.11%, CAT31 is a good candidate for dividend investing.
CAT31's Dividend Yield is slightly below the industry average, which is at 5.14.
CAT31's Dividend Yield is rather good when compared to the S&P500 average which is at 2.40.
Industry RankSector Rank
Dividend Yield 4.11%

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
CAT31.PA Yearly Dividends per shareCAT31.PA Yearly Dividends per shareYearly Dividends per share 2019 2020 2021 2022 2023 2024 2025 2 4 6 8

5.3 Sustainability

CAT31 pays out 19.25% of its income as dividend. This is a sustainable payout ratio.
CAT31's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP19.25%
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 2024 0 200M -200M 400M -400M
CAT31.PA Dividend Payout.CAT31.PA Dividend Payout, showing the Payout Ratio.CAT31.PA Dividend Payout.PayoutRetained Earnings

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CREDIT AGRICOLE TOULOUSE 31

EPA:CAT31 (6/18/2025, 7:00:00 PM)

90.1

-0.4 (-0.44%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)N/A N/A
Earnings (Next)N/A N/A
Inst Owners7.79%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap128.84M
AnalystsN/A
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 4.11%
Yearly Dividend2.82
Dividend Growth(5Y)1.64%
DP19.25%
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 RankSector Rank
PE 2.5
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)36
EY39.96%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)-4.43
FCFYN/A
OCF(TTM)-2.05
OCFYN/A
SpS214.11
BVpS1422.86
TBVpS1422.61
PEG (NY)N/A
PEG (5Y)3.49
Profitability
Industry RankSector Rank
ROA 0.41%
ROE 3.27%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 21.71%
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
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 3Y-1.87%
PM growth 5Y-0.27%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.02
Health
Industry RankSector Rank
Debt/Equity 0.02
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 29.98%
Cap/Sales 1.11%
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-Score5
WACC6.09%
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)176.63%
EPS 3Y-1.28%
EPS 5Y0.72%
EPS Q2Q%-43.66%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)3.61%
Revenue growth 3Y0.22%
Revenue growth 5Y0.75%
Sales Q2Q%4.71%
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 1Y97.59%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y98.87%
OCF growth 3YN/A
OCF growth 5YN/A