Caisse Régionale de Crédit Agricole Mutuel Sud Rhône Alpes
Caisse Régionale de Crédit Agricole Mutuel Sud Rhône Alpes Fundamental Analysis
Caisse Régionale de Crédit Agricole Mutuel Sud Rhône Alpes (CRSU.PA) shows moderate financial fundamentals with a PE ratio of 8.50, profit margin of 14.39%, and ROE of 2.94%. The company generates $0.1B in annual revenue with weak year-over-year growth of 2.05%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 48.9/100 based on profitability, valuation, growth, and balance sheet metrics. The D grade reflects weak fundamentals and significant financial concerns.
Fundamental Health Score
We analyze CRSU.PA's fundamental strength across five key dimensions:
Efficiency Score
WeakCRSU.PA struggles to generate sufficient returns from assets.
Valuation Score
ExcellentCRSU.PA trades at attractive valuation levels.
Growth Score
WeakCRSU.PA faces weak or negative growth trends.
Financial Health Score
WeakCRSU.PA carries high financial risk with limited liquidity.
Profitability Score
ModerateCRSU.PA maintains healthy but balanced margins.
Key Financial Metrics
Is CRSU.PA Expensive or Cheap?
P/E Ratio
CRSU.PA trades at 8.50 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, CRSU.PA's PEG of 1.00 indicates potential undervaluation.
Price to Book
The market values Caisse Régionale de Crédit Agricole Mutuel Sud Rhône Alpes at 0.24 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at -38.71 times EBITDA. This is generally considered low.
How Well Does CRSU.PA Make Money?
Net Profit Margin
For every $100 in sales, Caisse Régionale de Crédit Agricole Mutuel Sud Rhône Alpes keeps $14.39 as profit after all expenses.
Operating Margin
Core operations generate 70.34 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $2.94 in profit for every $100 of shareholder equity.
ROA
Caisse Régionale de Crédit Agricole Mutuel Sud Rhône Alpes generates $0.38 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 Sud Rhône Alpes generates strong operating cash flow of $33.30M, reflecting robust business health.
Free Cash Flow
Caisse Régionale de Crédit Agricole Mutuel Sud Rhône Alpes generates strong free cash flow of $31.65M, providing ample flexibility for dividends, buybacks, or growth.
FCF Per Share
Each share generates $53.33 in free cash annually.
FCF Yield
CRSU.PA converts 2.04% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
8.50
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
1.00
vs 25 benchmark
P/B Ratio
Price to book value ratio
0.24
vs 25 benchmark
P/S Ratio
Price to sales ratio
0.16
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
3.91
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.03
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.03
vs 25 benchmark
ROA
Return on assets percentage
0.004
vs 25 benchmark
ROCE
Return on capital employed
0.02
vs 25 benchmark
How CRSU.PA Stacks Against Its Sector Peers
| Metric | CRSU.PA Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 8.50 | 18.59 | Better (Cheaper) |
| ROE | 2.94% | 801.00% | Weak |
| Net Margin | 14.39% | -498.00% (disorted) | Strong |
| Debt/Equity | 3.91 | 0.98 | Weak (High Leverage) |
| Current Ratio | 0.03 | 661.40 | Weak Liquidity |
| ROA | 0.38% | -21324.00% (disorted) | Weak |
CRSU.PA outperforms its industry in 2 out of 6 key metrics, particularly excelling in Net Margin, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Caisse Régionale de Crédit Agricole Mutuel Sud Rhône Alpes's 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
203.63%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
1.48%
Industry Style: Value, Dividend, Cyclical
GrowingFCF CAGR
-92.02%
Industry Style: Value, Dividend, Cyclical
Declining