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Caisse Régionale de Crédit Agricole Mutuel Alpes Provence Société coopérative (CRAP.PA)

EUR140.50 -1.00 (-0.71%)
FR PAR Financial Services Banks - Regional
Address 25 Chemin des Trois Cyprès 13097
Aix-en-Provence, FR
CEO Laurent Fromageau
IPO 2000-01-03
ISIN FR0000044323

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Description

Caisse Régionale de Crédit Agricole Mutuel Alpes Provence Société coopérative is a French cooperative banking institution that delivers a broad spectrum of financial products and services. Its comprehensive offerings include current accounts, payment cards, and a variety of savings options. The institution also provides extensive insurance coverage for vehicles (both auto and two-wheeler), homes, personal needs, daily life, leisure activities, and borrower protection. Moreover, it offers diverse financing solutions, such as real estate and consumer loans, along with professional advisory services. Serving a wide client base that spans individuals, associations, professionals, businesses, farmers, and local communities, the bank operates through approximately 180 branches and 400 ATMs. This cooperative was established in 1885 and maintains its headquarters in Aix-en-Provence, France.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
EUR140.50 -1.00 (-0.71%)
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Volume Profile
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Liquidity & share structure
Average Volume
342
Beta
0.36
Float Shares
672.5K
Free Float %
99.2%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
-1.25% -2.11% +9.26% +17.14% +22.71% +21.31% +69.31% +112.13% +62.43% +112.72% +97.92%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From To
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Annual Monthly Returns
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Daily Returns Distribution
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
140.50
DCF (Unlevered) 360.92 +156.9%

DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.

Ratings Trend (MoM)
Rating 2024-11 Change
Strong Buy 0 0
Buy 0 0
Hold 0 0
Sell 0 0
Strong Sell 0 0
Quality scores
Altman Z-Score
-0.89
Distress
Piotroski F-Score
4 / 9
Average
Composite Rating
A-
Overall Score
4 / 5
High
DCF Score
5 / 5
High
ROE Score
2 / 5
Medium
ROA Score
3 / 5
Medium
D/E Score
3 / 5
Medium
P/E Score
3 / 5
Medium
P/Book Score
4 / 5
High
Operational MOAT
  • Revenue growth
    +157.3% Q4'25: -2.7% (vs Q4'23)
  • EPS growth
    +0.8% Q4'25: -6.1% (vs Q4'23)
  • FCF margin
    Q4'25: +25.5% (vs Q4'23)
  • EBIT margin
    Q4'25: +8.2% (vs Q4'23)
  • ROIC
    Q4'25: +3.2% (vs Q4'23)
  • Share dilution
    +0.1% Q4'25: 0.0% (vs Q4'23)
  • Debt / EBITDA
    Q4'25: 1.35× (vs Q4'23)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
WACC components (optional)
Ke (Cost of Equity) = Rf + β (0.36) × ERP
WACC = 78% × Ke + 22% × Kd (171.2%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Intrinsic value (base): 360.92 Current price: 140.50
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

Base values reflect the latest available data for this company and market conditions.

Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-29 A- 4/5 5/5 2/5 3/5 3/5 3/5 4/5
2026-05-28 A- 4/5 5/5 2/5 3/5 3/5 3/5 4/5
2026-05-27 A- 4/5 5/5 2/5 3/5 3/5 3/5 4/5
2026-05-26 A- 4/5 5/5 2/5 3/5 3/5 3/5 4/5
2026-05-22 A- 4/5 5/5 2/5 3/5 3/5 3/5 4/5
2026-05-21 A- 4/5 5/5 2/5 3/5 3/5 3/5 4/5
2026-05-20 A- 4/5 5/5 2/5 3/5 3/5 3/5 4/5
2026-05-19 A- 4/5 5/5 2/5 3/5 3/5 3/5 4/5
2026-05-18 A- 4/5 5/5 2/5 3/5 3/5 3/5 4/5
2026-05-15 A- 4/5 5/5 2/5 3/5 3/5 3/5 4/5
2026-05-14 A- 4/5 5/5 2/5 3/5 3/5 3/5 4/5
2026-05-13 A- 4/5 5/5 2/5 3/5 3/5 4/5 4/5
2026-05-12 A- 4/5 5/5 2/5 3/5 3/5 4/5 4/5
2026-05-11 A- 4/5 5/5 2/5 3/5 3/5 4/5 4/5
2026-05-08 A 4/5 5/5 2/5 3/5 3/5 4/5 5/5
2026-05-07 A 4/5 5/5 2/5 3/5 3/5 4/5 5/5
2026-05-06 A 4/5 5/5 2/5 3/5 3/5 4/5 5/5
2026-05-05 A 4/5 5/5 2/5 3/5 3/5 4/5 5/5
2026-05-04 A 4/5 5/5 2/5 3/5 3/5 4/5 5/5
2026-04-30 A 4/5 5/5 2/5 3/5 3/5 4/5 5/5
2026-04-29 A- 4/5 5/5 2/5 3/5 3/5 4/5 4/5
2026-04-28 A- 4/5 5/5 2/5 3/5 3/5 4/5 4/5
2026-04-27 A- 4/5 5/5 2/5 3/5 3/5 4/5 4/5
2026-04-24 C+ 2/5 5/5 1/5 1/5 1/5 4/5 1/5
2026-04-23 C+ 2/5 5/5 1/5 1/5 1/5 4/5 1/5
2026-04-22 C+ 2/5 5/5 1/5 1/5 1/5 4/5 1/5
2026-04-21 C+ 2/5 5/5 1/5 1/5 1/5 4/5 1/5
2026-04-20 C+ 2/5 5/5 1/5 1/5 1/5 4/5 1/5
2026-04-17 C+ 2/5 5/5 1/5 1/5 1/5 4/5 1/5
2026-04-16 C+ 2/5 5/5 1/5 1/5 1/5 4/5 1/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
-532.05M
OE per share TTM
-71.51
Owner's Yield
-44.83%
Maintenance CapEx ratio
21.90%
Maint CapEx / Avg PPE
22.9%

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
Total invested
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

ETF Ownership

Top ETFs holding this stock

This company is not held by any ETF in our universe.

Insider Activity

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions

No recent insider transactions.

Executive team

Top executives
EBIT / Employee
72.7K
Shares Outstanding
677.8K

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)

No proxy statements available for this company yet.

Recent SEC filings

Recent SEC filings

No SEC filings available for this company yet.

Executive team

NameTitleCompensationGender
Laurent Fromageau GM & Member of Management Board 391.5K male
Florence Bozec Director of Credit Development & Recovery and Member of Management Board female
Frederic Hoehn Director of Sectors & Transformation and Member of Management Board
Jérôme Lebon Deputy GM for Development and Member of Management Board male
Jérôme Vuillemot Director of Development & Territorial Transitions and Member of Management Board male
Malika Benmakhlouf Director of Just, Equitable & Citizen Transitions and Member of Management Board
Mathieu Bourges Director of Finance & Work Environment and Member of the Management Board
Patrick Sgro Director of Specialized Markets & Member of Management Board
Emmanuel Celerier Director of Human Resource & Member of Management Board
Serge Gaona Deputy Director General of Operations & Member of Management Board male
ESG Score History

No data available for this company.

Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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Dividend yield history

Dividend history

Earnings history

Earnings reports

Stock splits