CRCAM de Sud Rhone-Alpes

CRCAM de Sud Rhone-Alpes

EEURONEXT:CRSU
175.00
EUR
-7.00
(-3.85%)
857.35MMarket Cap
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
92.61
93.1
97.31
73.67
88.32
94.42
86.21
76.35
90.83
93.58
86.21
87.68
93.68
- -
Basic EPS, GAAP
24.19
27.38
27.59
23.06
24.85
24.78
20.46
10.45
23.58
26.04
20.07
20.76
23.61
- -
Free Cash Flow per Basic Share
13.21
-24.68
31.49
175.65
-25.09
30.37
107.08
100.5
176.71
-234.38
-141.37
1.84
25.39
- -
Dividend per Share
3.73
3.8
3.7
3.84
3.83
3.56
3.7
3.55
3.1
3.45
- -
- -
- -
- -
Book Value per Share
380.27
410.95
437.35
459.85
538.89
543.41
576.59
573.38
652.37
643.69
686.34
743.05
825.5
825.5
Tangible Book Value per Share
379.84
410.49
436.9
459.39
538.49
540.06
573.54
570.33
649.32
640.63
683.3
740
822.45
822.45
Basic Weighted Avg Shares
5
5
5
5
5
5
5
5
5
5
5
5
5
5
Sales/Revenue/Turnover
424
425
444
335
402
430
394
347
413
425
392
397
425
- -
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
12
12
11
12
15
16
17
19
19
19
18
18
17
- -
Net Income, GAAP
111
125
126
105
113
113
93
48
107
118
91
94
107
- -
Effective Tax Rate (%)
36.7
33.25
33.15
26.49
28.08
24.84
23.6
34.19
21.75
15.29
7.88
7.4
9.2
- -
Profit Margin (%)
26.13
29.4
28.35
31.31
28.13
26.24
23.73
13.69
25.96
27.83
23.28
23.68
25.2
- -
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
391
336
333
263
474
665
365
334
504
325
193
250
173
173
Total Equity
1,742
1,878
1,998
2,094
2,455
2,475
2,633
2,607
2,965
2,922
3,117
3,367
3,744
3,744
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
5.13
5.76
5.55
4.48
4.28
3.72
3.04
1.6
3.34
3.52
2.78
2.72
2.84
- -
Return on Common Equity (%)
6.57
6.91
6.5
5.13
4.98
4.58
3.66
1.81
3.85
4.02
3.02
2.9
3.01
- -

Capital Structure

EUR

•

in mil. unless spec.
Dec'24
Jun'25
Dec'25
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
5
5
5
Market Capitalization
569
689
857

Working Capital

EUR

•

in mil. unless spec.
Dec'24
Jun'25
Dec'25
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
424
294
390
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

EUR

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
6.65%
7.64%
11.2%
Free Cash Flow
135.49%
197.43%
1,284.79%
Net Income, GAAP
5.44%
26%
13.82%
Sales/Revenue/Turnover
0.44%
4.48%
6.94%
Total Cash Common Dividend
- -
- -
- -

Semi-annual Revenue

EUR

•

in mil. unless spec.

Year

H1
H2
FY
2023
- -
- -
392
2024
- -
- -
397
2025
- -
- -
425

Semi-annual Earnings Per Share

EUR

•

in mil. unless spec.

Year

H1
H2
FY
2023
- -
- -
20.07
2024
- -
- -
20.76
2025
- -
- -
23.61

Semi-annual Dividends Per Share

EUR

•

in mil. unless spec.

Year

H1
H2
FY
2023
- -
- -
- -
2024
- -
- -
- -
2025
- -
- -
- -

Company Description

CEO
Pierre Fort
Full Time Employees
2,097
Sector
Finance
Industry
Regional banks
Address
12 place de la Résistance Grenoble AR France 38000
IPO Date
Jun 25, 1996
Business
Caisse Régionale de Crédit Agricole Mutuel Sud Rhône Alpes is a regional cooperative bank operating primarily in southeastern France, headquartered in Grenoble and founded in 1995. The company offers a comprehensive range of banking and financial services including accounts, credit cards, savings accounts, term deposits, stock market and financial investments, responsible and real estate investments, and retirement products. It also provides a variety of insurance products such as life, home, car and two-wheeler, health and provident insurance, leisure and daily life coverage, and creditor insurance. Additionally, the company extends loans including real estate, consumer, work credits, and vehicle loans. The bank serves individual, professional, and business clients through a network of 84 local banks and 194 branches with over 2,100 employees. Recent major developments include strategic investments in digital banking services like the "Ma Banque" app, ongoing branch renovations, investment in local partnerships for social support programs, and a steady increase in insurance contract portfolios. It remains a subsidiary of Crédit Agricole S.A., actively expanding its service offerings and enhancing its operational infrastructure to support regional economic development while maintaining strong cooperative principles and local engagement. The company has shown growth in loan and savings volumes, with over 27 billion euros in deposits and more than 20 billion euros in loans as of late 2024. It has also emphasized social responsibility by supporting young clients in financial difficulty and fostering local partnerships with educational and social institutions. The bank's credit and insurance activities have experienced a positive trend, with new contract subscriptions and overall portfolio growth in recent years. Investments in modernizing branches and digital infrastructure underscore its commitment to improving customer experience and operational efficiency. Caisse Régionale de Crédit Agricole Mutuel Sud Rhône Alpes operates within the banking and financial services sector, targeting retail consumers, professionals, and local enterprises across the Sud Rhône Alpes region, positioning itself as a key regional player in both banking and insurance markets. The company's ongoing strategic initiatives reflect an emphasis on digital transformation, social engagement, and sustainable financial development within its operational geography.