Caisse Regionale De Credit Agricole Mutuel Alpes Provence CERT.COOP.D'INVEST.

Caisse Regionale De Credit Agricole Mutuel Alpes Provence CERT.COOP.D'INVEST.

124.52
EUR
-14.98
(-10.74%)
1.17BMarket 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
57.74
58.11
58.13
51.6
56.49
48.85
51.01
45.93
57.4
60.5
57.62
60.82
59.5
- -
Basic EPS, GAAP
11.71
12.12
13.02
9.12
10.73
9.24
10.03
6.46
15.74
19.49
15.64
18
18.19
- -
Free Cash Flow per Basic Share
-11.94
33.51
-5.22
81.34
31.15
35.15
10.09
162.25
96.85
-147.64
-84.41
29.56
-50.63
- -
Dividend per Share
2.59
2.54
2.26
1.89
- -
2.32
2.5
2.35
1.42
2.33
- -
- -
- -
- -
Book Value per Share
252.82
263.38
272.51
277.71
329.97
327.32
347.29
338.75
394.97
395.19
425.57
464.62
520.79
540.24
Tangible Book Value per Share
252.81
263.35
272.48
277.68
329.94
327.29
347.27
338.72
394.97
395.19
425.57
464.61
520.78
540.24
Basic Weighted Avg Shares
7
7
7
7
7
7
7
7
7
7
7
7
7
7
Sales/Revenue/Turnover
432
435
435
386
421
364
380
342
427
450
429
453
443
- -
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
13
12
13
13
13
12
15
17
18
17
16
17
17
- -
Net Income, GAAP
88
91
98
68
80
69
75
48
117
145
116
134
135
- -
Effective Tax Rate (%)
40.78
33.74
33.45
29.9
28.01
24.66
29.94
34.24
23.07
16.18
14.55
13.32
16.47
- -
Profit Margin (%)
20.28
20.86
22.4
17.68
18.99
18.91
19.66
14.06
27.41
32.21
27.14
29.59
30.57
- -
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
1,548
1,142
834
809
1,030
770
775
1,104
737
455
716
718
334
283
Total Equity
1,892
1,972
2,040
2,077
2,462
2,439
2,587
2,522
2,939
2,942
3,168
3,458
3,876
4,017
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
2.17
2.77
3.26
2.37
2.51
2.06
2.27
1.38
3.21
4.1
3.2
3.32
3.23
- -
Return on Common Equity (%)
4.71
4.7
4.86
3.31
3.53
2.81
2.97
1.88
4.29
4.93
3.81
4.04
3.69
- -

Capital Structure

EUR

•

in mil. unless spec.
Jun'25
Dec'25
Jun'26
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
7
7
7
Market Capitalization
707
919
1,168

Working Capital

EUR

•

in mil. unless spec.
Jun'25
Dec'25
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
94
139
103
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
6.85%
9.11%
12.07%
Free Cash Flow
-101.06%
-148.38%
-271.22%
Net Income, GAAP
11%
32.76%
1.04%
Sales/Revenue/Turnover
0.76%
5.78%
-2.18%
Total Cash Common Dividend
- -
- -
- -

Semi-annual Revenue

EUR

•

in mil. unless spec.

Year

H1
H2
FY
2024
- -
- -
453
2025
- -
- -
443
2026
- -
- -
- -

Semi-annual Earnings Per Share

EUR

•

in mil. unless spec.

Year

H1
H2
FY
2024
- -
- -
18
2025
- -
- -
18.19
2026
- -
- -
- -

Semi-annual Dividends Per Share

EUR

•

in mil. unless spec.

Year

H1
H2
FY
2024
- -
- -
- -
2025
- -
- -
- -
2026
- -
- -
- -

Company Description

CEO
Serge Magdeleine
Full Time Employees
1,951
Sector
Finance
Industry
Major banks
Address
25 Chemin des Trois Cyprès Aix-en-Provence PAC France 13097
IPO Date
Dec 15, 1998
Business
Caisse Régionale de Crédit Agricole Mutuel Alpes Provence Société coopérative operates as a regional cooperative bank headquartered in Aix-en-Provence, France, founded in 1885. It provides a broad range of banking and insurance products and services primarily to individuals, farmers, self-employed professionals, small and medium-sized enterprises (SMEs), associations, and companies within the Alpes Provence region. Its main offerings include current accounts; credit and debit cards; savings accounts, time deposit accounts, and retirement and housing savings plans; consumer loans, car loans, mortgage loans, and agricultural loans. The bank also delivers insurance products covering life, health, home, vehicle, leisure, borrower insurance, and welfare. Additionally, it offers financial investment services including stock market investments and real estate financing, as well as cash management, leasing, business creation finance, and real estate development services. The institution operates a network of over 70 local branches and is a member of the Crédit Agricole Group. Recently, the Caisse Régionale de Crédit Agricole Mutuel Alpes Provence has maintained strategic emphasis on local investment, reinvesting about 90% of its regional results into projects that promote local development and social inclusion, including partnerships with local associations and support for agricultural development. Operationally, the bank manages approximately €26 billion in deposits and €19.4 billion in credit as of the end of 2024. It has focused on expanding its product and service portfolio to include digital and mobile banking enhancements, as well as sustained its commitments to environmental and social governance initiatives, including the installation of renewable energy solutions for associated businesses. There were no major acquisitions or name changes reported in the most recent year, but the bank continues to adapt its service offerings to evolving client needs in a challenging economic context marked by subdued internal demand and cautious real estate markets. The company remains a key player in retail banking and insurance in its region, leveraging its cooperative status to prioritize customer relationships and community engagement while supporting a wide clientele that spans private banking, agriculture, and institutional sectors within France. Its strategic alignment with the broader Crédit Agricole Group ensures access to extensive financial resources and expertise. The bank's continued focus on local projects and digital transformation reflects its ongoing efforts to enhance regional economic resilience and customer service quality.