Caisse régionale de Crédit Agricole Mutuel Atlantique Vendée
Caisse régionale de Crédit Agricole Mutuel Atlantique Vendée Fundamental Analysis
Caisse régionale de Crédit Agricole Mutuel Atlantique Vendée (CRAV.PA) shows weak financial fundamentals with a PE ratio of 11.91, profit margin of 8.18%, and ROE of 1.98%. The company generates $0.2B in annual revenue with weak year-over-year growth of 2.94%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of -156.8/100 based on profitability, valuation, growth, and balance sheet metrics. The F grade reflects weak fundamentals and significant financial concerns.
Fundamental Health Score
We analyze CRAV.PA's fundamental strength across five key dimensions:
Efficiency Score
WeakCRAV.PA struggles to generate sufficient returns from assets.
Valuation Score
ExcellentCRAV.PA trades at attractive valuation levels.
Growth Score
WeakCRAV.PA faces weak or negative growth trends.
Financial Health Score
ModerateCRAV.PA shows balanced financial health with some risks.
Profitability Score
WeakCRAV.PA struggles to sustain strong margins.
Key Financial Metrics
Is CRAV.PA Expensive or Cheap?
P/E Ratio
CRAV.PA trades at 11.91 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, CRAV.PA's PEG of -2.03 indicates potential undervaluation.
Price to Book
The market values Caisse régionale de Crédit Agricole Mutuel Atlantique Vendée at 0.23 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at -0.97 times EBITDA. This is generally considered low.
How Well Does CRAV.PA Make Money?
Net Profit Margin
For every $100 in sales, Caisse régionale de Crédit Agricole Mutuel Atlantique Vendée keeps $8.18 as profit after all expenses.
Operating Margin
Core operations generate 9.81 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $1.98 in profit for every $100 of shareholder equity.
ROA
Caisse régionale de Crédit Agricole Mutuel Atlantique Vendée generates $0.24 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 Atlantique Vendée generates limited operating cash flow of $-143.82M, signaling weaker underlying cash strength.
Free Cash Flow
Caisse régionale de Crédit Agricole Mutuel Atlantique Vendée generates weak or negative free cash flow of $-150.17M, restricting financial flexibility.
FCF Per Share
Each share generates $-124.74 in free cash annually.
FCF Yield
CRAV.PA converts -5.88% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
11.91
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
-2.03
vs 25 benchmark
P/B Ratio
Price to book value ratio
0.23
vs 25 benchmark
P/S Ratio
Price to sales ratio
0.16
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.07
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.00
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.02
vs 25 benchmark
ROA
Return on assets percentage
0.002
vs 25 benchmark
ROCE
Return on capital employed
0.003
vs 25 benchmark
How CRAV.PA Stacks Against Its Sector Peers
| Metric | CRAV.PA Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 11.91 | 18.59 | Better (Cheaper) |
| ROE | 1.98% | 801.00% | Weak |
| Net Margin | 8.18% | -498.00% (disorted) | Weak |
| Debt/Equity | 0.07 | 0.98 | Strong (Low Leverage) |
| Current Ratio | 0.00 | 661.40 | Weak Liquidity |
| ROA | 0.24% | -21324.00% (disorted) | Weak |
CRAV.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 Atlantique Vendée's 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
-0.90%
Industry Style: Value, Dividend, Cyclical
DecliningEPS CAGR
-23.69%
Industry Style: Value, Dividend, Cyclical
DecliningFCF CAGR
-49.63%
Industry Style: Value, Dividend, Cyclical
Declining