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

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

98.245  +0.7 (+0.71%)

Fundamental Rating

3

Taking everything into account, CAT31 scores 3 out of 10 in our fundamental rating. CAT31 was compared to 91 industry peers in the Banks industry. Both the profitability and financial health of CAT31 have multiple concerns. 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

CAT31 had positive earnings in the past year.
CAT31 had a negative operating cash flow in the past year.
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 worse Return On Assets (0.41%) than 76.92% of its industry peers.
The Return On Equity of CAT31 (3.27%) is worse than 78.02% of its industry peers.
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

The Profit Margin of CAT31 (21.71%) 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.
The Operating Margin and Gross Margin are not available for CAT31 so they could not be analyzed.
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.
CAT31 has less shares outstanding than it did 1 year ago.
Compared to 5 years ago, CAT31 has less shares outstanding
Compared to 1 year ago, CAT31 has an improved debt to assets ratio.
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.
CAT31 has a better Debt to Equity ratio (0.02) than 95.60% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.02
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC6.13%
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. 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.
CAT31 shows a small growth in Revenue. In the last year, the Revenue has grown by 3.61%.
CAT31 shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 0.75% yearly.
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

The Price/Earnings ratio is 2.73, which indicates a rather cheap valuation of CAT31.
Based on the Price/Earnings ratio, CAT31 is valued cheaper than 100.00% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 26.54. CAT31 is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 2.73
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)3.81
EPS Next 2YN/A
EPS Next 3YN/A

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5. Dividend

5.1 Amount

CAT31 has a Yearly Dividend Yield of 3.85%. 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 2.40, CAT31 pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.85%

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 (8/8/2025, 5:28:48 PM)

98.245

+0.7 (+0.71%)

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 Cap140.49M
AnalystsN/A
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 3.85%
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 2.73
Fwd PE N/A
P/S 0.46
P/FCF N/A
P/OCF N/A
P/B 0.07
P/tB 0.07
EV/EBITDA N/A
EPS(TTM)36
EY36.64%
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)3.81
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
WACC6.13%
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