CREDIT AGRICOLE TOULOUSE 31 (CAT31.PA) Fundamental Analysis & Valuation

EPA:CAT31 • FR0000045544

Current stock price

109.06 EUR
-0.94 (-0.85%)
Last:

This CAT31.PA fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

2

1. CAT31.PA Profitability Analysis

1.1 Basic Checks

  • CAT31 had positive earnings in the past year.
  • CAT31 had a negative operating cash flow in the past year.
  • In the past 5 years CAT31 has always been profitable.
  • The reported operating cash flow has been mixed in the past 5 years: CAT31 reported negative operating cash flow in multiple 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 200M -200M 400M -400M

1.2 Ratios

  • The Return On Assets of CAT31 (0.38%) is worse than 83.64% of its industry peers.
  • The Return On Equity of CAT31 (2.94%) is worse than 81.82% of its industry peers.
Industry RankSector 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
CAT31.PA Yearly ROA, ROE, ROICCAT31.PA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 1 2 3 4 5

1.3 Margins

  • Looking at the Profit Margin, with a value of 20.48%, CAT31 is doing worse than 63.64% of the companies in the same 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) 20.48%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-1.89%
PM growth 5Y-0.25%
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20

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3

2. CAT31.PA Health Analysis

2.1 Basic Checks

  • CAT31 does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • CAT31 has less shares outstanding than it did 1 year ago.
  • Compared to 5 years ago, CAT31 has less shares outstanding
  • The debt/assets ratio for CAT31 has been reduced compared to a year ago.
CAT31.PA Yearly Shares OutstandingCAT31.PA Yearly Shares OutstandingYearly Shares Outstanding 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B 15B

2.2 Solvency

  • CAT31 has a Debt/Equity ratio of 0.02. This is a healthy value indicating a solid balance between debt and equity.
  • CAT31 has a better Debt to Equity ratio (0.02) than 92.73% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.02
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC6.31%
CAT31.PA Yearly LT Debt VS Equity VS FCFCAT31.PA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

1

3. CAT31.PA Growth Analysis

3.1 Past

  • CAT31 shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -68.53%.
  • Measured over the past 5 years, CAT31 shows a small growth in Earnings Per Share. The EPS has been growing by 0.63% on average per year.
  • CAT31 shows a small growth in Revenue. In the last year, the Revenue has grown by 1.84%.
  • CAT31 shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 0.75% yearly.
EPS 1Y (TTM)-68.53%
EPS 3Y-1.48%
EPS 5Y0.63%
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.
CAT31.PA Yearly Revenue VS EstimatesCAT31.PA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M

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2

4. CAT31.PA Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 9.10 indicates a reasonable valuation of CAT31.
  • 74.55% of the companies in the same industry are more expensive than CAT31, based on the Price/Earnings ratio.
  • CAT31 is valuated cheaply when we compare the Price/Earnings ratio to 25.61, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 9.1
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)14.5
EPS Next 2YN/A
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

4

5. CAT31.PA Dividend Analysis

5.1 Amount

  • CAT31 has a Yearly Dividend Yield of 4.00%, which is a nice return.
  • CAT31's Dividend Yield is slightly below the industry average, which is at 4.75.
  • CAT31's Dividend Yield is rather good when compared to the S&P500 average which is at 1.89.
Industry RankSector Rank
Dividend Yield 4%

5.2 History

  • The dividend of CAT31 decreases each year by -0.17%.
Dividend Growth(5Y)-0.17%
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 2026 2 4 6 8

5.3 Sustainability

DPN/A
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 200M -200M 400M -400M

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CAT31.PA Fundamentals: All Metrics, Ratios and Statistics

CREDIT AGRICOLE TOULOUSE 31

EPA:CAT31 (3/26/2026, 11:51:11 AM)

109.06

-0.94 (-0.85%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)N/A
Earnings (Next)N/A
Inst Owners6.4%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap154.87M
Revenue(TTM)305.39M
Net Income(TTM)62.53M
AnalystsN/A
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 4%
Yearly Dividend2.82
Dividend Growth(5Y)-0.17%
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 RankSector Rank
PE 9.1
Fwd PE N/A
P/S 0.51
P/FCF N/A
P/OCF N/A
P/B 0.07
P/tB 0.07
EV/EBITDA N/A
EPS(TTM)11.98
EY10.98%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)-37.62
FCFYN/A
OCF(TTM)-34.18
OCFYN/A
SpS215.06
BVpS1496.85
TBVpS1496.12
PEG (NY)N/A
PEG (5Y)14.5
Graham Number635.2
Profitability
Industry RankSector 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-1.89%
PM growth 5Y-0.25%
GM growth 3YN/A
GM growth 5YN/A
F-Score3
Asset Turnover0.02
Health
Industry RankSector 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
WACC6.31%
ROIC/WACCN/A
Cap/Depr(3y)22.14%
Cap/Depr(5y)35.52%
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)-68.53%
EPS 3Y-1.48%
EPS 5Y0.63%
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 Fundamental Analysis 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.


Can you provide the valuation status for CREDIT AGRICOLE TOULOUSE 31?

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.


How financially healthy is CREDIT AGRICOLE TOULOUSE 31?

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