Caisse Régionale de Crédit Agricole Mutuel Alpes Provence Société coopérative
Caisse Régionale de Crédit Agricole Mutuel Alpes Provence Société coopérative Fundamental Analysis
Caisse Régionale de Crédit Agricole Mutuel Alpes Provence Société coopérative (CRAP.PA) shows moderate financial fundamentals with a PE ratio of 7.92, profit margin of 16.48%, and ROE of 3.59%. The company generates $0.1B in annual revenue with moderate year-over-year growth of 7.32%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of -10.2/100 based on profitability, valuation, growth, and balance sheet metrics. The F grade reflects weak fundamentals and significant financial concerns.
Fundamental Health Score
We analyze CRAP.PA's fundamental strength across five key dimensions:
Efficiency Score
WeakCRAP.PA struggles to generate sufficient returns from assets.
Valuation Score
ModerateCRAP.PA shows balanced valuation metrics.
Growth Score
ExcellentCRAP.PA delivers strong and consistent growth momentum.
Financial Health Score
ModerateCRAP.PA shows balanced financial health with some risks.
Profitability Score
WeakCRAP.PA struggles to sustain strong margins.
Key Financial Metrics
Is CRAP.PA Expensive or Cheap?
P/E Ratio
CRAP.PA trades at 7.92 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, CRAP.PA's PEG of 7.92 indicates potential overvaluation.
Price to Book
The market values Caisse Régionale de Crédit Agricole Mutuel Alpes Provence Société coopérative at 0.28 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at -0.56 times EBITDA. This is generally considered low.
How Well Does CRAP.PA Make Money?
Net Profit Margin
For every $100 in sales, Caisse Régionale de Crédit Agricole Mutuel Alpes Provence Société coopérative keeps $16.48 as profit after all expenses.
Operating Margin
Core operations generate 36.64 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $3.59 in profit for every $100 of shareholder equity.
ROA
Caisse Régionale de Crédit Agricole Mutuel Alpes Provence Société coopérative generates $0.50 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Caisse Régionale de Crédit Agricole Mutuel Alpes Provence Société coopérative generates limited operating cash flow of $-23.25M, signaling weaker underlying cash strength.
Free Cash Flow
Caisse Régionale de Crédit Agricole Mutuel Alpes Provence Société coopérative generates weak or negative free cash flow of $-23.78M, restricting financial flexibility.
FCF Per Share
Each share generates $-35.09 in free cash annually.
FCF Yield
CRAP.PA converts -2.67% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
7.92
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
7.92
vs 25 benchmark
P/B Ratio
Price to book value ratio
0.28
vs 25 benchmark
P/S Ratio
Price to sales ratio
0.12
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.09
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.007
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.04
vs 25 benchmark
ROA
Return on assets percentage
0.005
vs 25 benchmark
ROCE
Return on capital employed
0.06
vs 25 benchmark
How CRAP.PA Stacks Against Its Sector Peers
| Metric | CRAP.PA Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 7.92 | 18.99 | Better (Cheaper) |
| ROE | 3.59% | 824.00% | Weak |
| Net Margin | 16.48% | 1603.00% | Weak |
| Debt/Equity | 0.09 | 0.99 | Strong (Low Leverage) |
| Current Ratio | 0.01 | 621.71 | Weak Liquidity |
| ROA | 0.50% | -24664.00% (disorted) | Weak |
CRAP.PA outperforms its industry in 2 out of 6 key metrics, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Caisse Régionale de Crédit Agricole Mutuel Alpes Provence Société coopérative's 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
18.53%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
79.77%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
193.46%
Industry Style: Value, Dividend, Cyclical
High Growth