Caisse Régionale du Crédit Agricole Alpes Provence (CRAP) - Net Assets
Based on the latest financial reports, Caisse Régionale du Crédit Agricole Alpes Provence (CRAP) has net assets worth €3.66 Billion EUR (≈ $4.27 Billion USD) as of June 2025. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (€26.80 Billion ≈ $31.33 Billion USD) and total liabilities (€23.14 Billion ≈ $27.05 Billion USD). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off. Check CRAP cash and liquid asset ratio to evaluate the company's liquid asset resilience ratio.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | €3.66 Billion |
| % of Total Assets | 13.64% |
| Annual Growth Rate | 0.09% |
| 5-Year Change | 37.11% |
| 10-Year Change | 69.49% |
| Growth Volatility | 20.41 |
Caisse Régionale du Crédit Agricole Alpes Provence - Net Assets Trend (2000–2024)
This chart illustrates how Caisse Régionale du Crédit Agricole Alpes Provence's net assets have evolved over time, based on quarterly financial data. Also explore Caisse Régionale du Crédit Agricole Alpe asset portfolio for the complete picture of this company's asset base.
Annual Net Assets for Caisse Régionale du Crédit Agricole Alpes Provence (2000–2024)
The table below shows the annual net assets of Caisse Régionale du Crédit Agricole Alpes Provence from 2000 to 2024. For live valuation and market cap data, see CRAP market cap overview.
| Year | Net Assets | Change |
|---|---|---|
| 2024-12-31 | €3.46 Billion ≈ $4.04 Billion |
+9.15% |
| 2023-12-31 | €3.17 Billion ≈ $3.70 Billion |
+7.69% |
| 2022-12-31 | €2.94 Billion ≈ $3.44 Billion |
+0.10% |
| 2021-12-31 | €2.94 Billion ≈ $3.44 Billion |
+16.53% |
| 2020-12-31 | €2.52 Billion ≈ $2.95 Billion |
-2.51% |
| 2019-12-31 | €2.59 Billion ≈ $3.02 Billion |
+6.06% |
| 2018-12-31 | €2.44 Billion ≈ $2.85 Billion |
+11.72% |
| 2017-12-31 | €2.18 Billion ≈ $2.55 Billion |
+5.14% |
| 2016-12-31 | €2.08 Billion ≈ $2.43 Billion |
+1.78% |
| 2015-12-31 | €2.04 Billion ≈ $2.39 Billion |
+3.51% |
| 2014-12-31 | €1.97 Billion ≈ $2.30 Billion |
+4.19% |
| 2013-12-31 | €1.89 Billion ≈ $2.21 Billion |
+3.58% |
| 2012-12-31 | €1.83 Billion ≈ $2.14 Billion |
+3.44% |
| 2011-12-31 | €1.77 Billion ≈ $2.06 Billion |
+3.41% |
| 2010-12-31 | €1.71 Billion ≈ $2.00 Billion |
+7.64% |
| 2009-12-31 | €1.59 Billion ≈ $1.85 Billion |
+24.16% |
| 2008-12-31 | €1.28 Billion ≈ $1.49 Billion |
-22.04% |
| 2007-12-31 | €1.64 Billion ≈ $1.92 Billion |
-6.39% |
| 2006-12-31 | €1.75 Billion ≈ $2.05 Billion |
+26.11% |
| 2005-12-31 | €1.39 Billion ≈ $1.62 Billion |
+38.61% |
| 2004-12-31 | €1.00 Billion ≈ $1.17 Billion |
+14.81% |
| 2003-12-31 | €872.37 Million ≈ $1.02 Billion |
+7.21% |
| 2002-12-31 | €813.74 Million ≈ $951.34 Million |
+7.03% |
| 2001-12-31 | €760.26 Million ≈ $888.83 Million |
-77.52% |
| 2000-12-31 | €3.38 Billion ≈ $3.95 Billion |
-- |
Equity Component Analysis
This analysis shows how different components contribute to Caisse Régionale du Crédit Agricole Alpes Provence's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 13393000000.0% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2024)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | €133.93 Million | 3.87% |
| Common Stock | €481.28 Million | 13.92% |
| Other Comprehensive Income | €2.58 Billion | 74.68% |
| Other Components | €260.27 Million | 7.53% |
| Total Equity | €3.46 Billion | 100.00% |
Caisse Régionale du Crédit Agricole Alpes Provence Competitors by Market Cap
The table below lists competitors of Caisse Régionale du Crédit Agricole Alpes Provence ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
DY Power Corp
KO:210540
|
$115.55 Million |
|
GCL NEW ENERGY HD-0832
F:TJI
|
$115.58 Million |
|
Namu Tech Co.Ltd
KQ:242040
|
$115.65 Million |
|
Eastern Co
NASDAQ:EML
|
$115.70 Million |
|
EML Payments Ltd
AU:EML
|
$115.46 Million |
|
Sunstone Metals Ltd
AU:STM
|
$115.44 Million |
|
Cosmax
KO:044820
|
$115.32 Million |
|
FastPartner AB Series D
ST:FPAR-D
|
$115.32 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Caisse Régionale du Crédit Agricole Alpes Provence's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2023 to 2024, total equity changed from 3,167,604,000 to 3,457,641,000, a change of 290,037,000 (9.2%).
- Net income of 133,930,000 contributed positively to equity growth.
- Dividend payments of 25,638,000 reduced retained earnings.
- Share repurchases of 10,636,000 reduced equity.
- Other comprehensive income increased equity by 258,510,000.
- Other factors decreased equity by 66,129,000.
Equity Change Factors (2023 to 2024)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | €133.93 Million | +3.87% |
| Dividends Paid | €25.64 Million | -0.74% |
| Share Repurchases | €10.64 Million | -0.31% |
| Other Comprehensive Income | €258.51 Million | +7.48% |
| Other Changes | €-66.13 Million | -1.91% |
| Total Change | €- | 9.16% |
Book Value vs Market Value Analysis
This analysis compares Caisse Régionale du Crédit Agricole Alpes Provence's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 0.31x
- The company is trading below its book value, potentially indicating the market believes the assets are overvalued on the balance sheet or anticipates future losses.
- The price-to-book ratio has decreased from 1.09x to 0.31x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2004-12-31 | €133.79 | €146.00 | x |
| 2005-12-31 | €185.45 | €146.00 | x |
| 2006-12-31 | €233.86 | €146.00 | x |
| 2007-12-31 | €218.92 | €146.00 | x |
| 2008-12-31 | €170.67 | €146.00 | x |
| 2009-12-31 | €211.85 | €146.00 | x |
| 2010-12-31 | €228.05 | €146.00 | x |
| 2011-12-31 | €235.86 | €146.00 | x |
| 2012-12-31 | €244.27 | €146.00 | x |
| 2013-12-31 | €252.75 | €146.00 | x |
| 2014-12-31 | €263.30 | €146.00 | x |
| 2015-12-31 | €272.51 | €146.00 | x |
| 2016-12-31 | €277.71 | €146.00 | x |
| 2017-12-31 | €292.62 | €146.00 | x |
| 2018-12-31 | €327.32 | €146.00 | x |
| 2019-12-31 | €347.29 | €146.00 | x |
| 2020-12-31 | €338.75 | €146.00 | x |
| 2021-12-31 | €395.04 | €146.00 | x |
| 2022-12-31 | €395.33 | €146.00 | x |
| 2023-12-31 | €425.57 | €146.00 | x |
| 2024-12-31 | €465.39 | €146.00 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Caisse Régionale du Crédit Agricole Alpes Provence utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 3.87%
- The company may be facing challenges in efficiently utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 30.26%
- • Asset Turnover: 0.02x
- • Equity Multiplier: 7.78x
- Recent ROE (3.87%) is below the historical average (4.81%), suggesting potential challenges in capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2004 | 10.05% | 17.30% | 0.07x | 8.27x | €454.00K |
| 2005 | 7.30% | 16.31% | 0.06x | 6.94x | €-37.49 Million |
| 2006 | 5.99% | 15.03% | 0.06x | 6.63x | €-70.17 Million |
| 2007 | 6.66% | 26.56% | 0.03x | 7.54x | €-54.73 Million |
| 2008 | 7.49% | 25.10% | 0.03x | 10.31x | €-32.06 Million |
| 2009 | 3.75% | 14.44% | 0.03x | 8.60x | €-99.16 Million |
| 2010 | 5.52% | 21.72% | 0.03x | 8.60x | €-76.52 Million |
| 2011 | 4.98% | 18.81% | 0.03x | 8.86x | €-88.70 Million |
| 2012 | 4.15% | 19.11% | 0.02x | 9.90x | €-106.87 Million |
| 2013 | 4.63% | 20.28% | 0.03x | 8.44x | €-101.55 Million |
| 2014 | 4.60% | 20.86% | 0.03x | 8.18x | €-106.39 Million |
| 2015 | 4.78% | 22.40% | 0.03x | 8.34x | €-106.51 Million |
| 2016 | 3.28% | 17.68% | 0.02x | 8.49x | €-139.45 Million |
| 2017 | 3.67% | 18.99% | 0.02x | 8.65x | €-138.29 Million |
| 2018 | 2.82% | 18.91% | 0.02x | 8.11x | €-175.07 Million |
| 2019 | 2.89% | 19.51% | 0.02x | 8.23x | €-184.02 Million |
| 2020 | 1.91% | 14.19% | 0.01x | 9.33x | €-204.14 Million |
| 2021 | 3.98% | 27.14% | 0.02x | 8.48x | €-176.82 Million |
| 2022 | 4.93% | 31.98% | 0.02x | 8.97x | €-149.11 Million |
| 2023 | 3.67% | 27.60% | 0.02x | 8.17x | €-200.36 Million |
| 2024 | 3.87% | 30.26% | 0.02x | 7.78x | €-211.83 Million |
Industry Comparison
This section compares Caisse Régionale du Crédit Agricole Alpes Provence's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $213,221,968,889
- Average return on equity (ROE) among peers: 4.73%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Caisse Régionale du Crédit Agricole Alpes Provence (CRAP) | €3.66 Billion | 10.05% | 6.33x | $115.49 Million |
| Credit Agricole SA (ACA) | $1.77 Trillion | 0.15% | 0.11x | $53.76 Billion |
| BNP Paribas SA (BNP) | $128.87 Billion | 8.85% | 19.11x | $103.16 Billion |
| Caisse Régionale de Crédit Agricole Mutuel de Paris et d-Ile-de-France (CAF) | $6.54 Billion | 4.52% | 7.82x | $1.03 Billion |
| Ca Toulouse 31 CCI (CAT31) | $1.14 Billion | 6.20% | 6.85x | $499.15 Million |
| Caisse Regionale de Credit Agricole Mutuel de Normandie Seine SC (CCN) | $1.41 Billion | 7.61% | 7.15x | $628.03 Million |
| Caisse Regionale de Credit Agricole Mutuel d’IlleetVilaine SC (CIV) | $679.64 Million | 0.00% | 7.63x | $325.77 Million |
| Caisse Régionale de Crédit Agricole du Morbihan (CMO) | $623.39 Million | 7.92% | 11.14x | $212.55 Million |
| Caisse régionale de Crédit Agricole Mutuel Atlantique Vendée (CRAV) | $2.96 Billion | 4.16% | 6.20x | $216.78 Million |
| Caisse Regionale de Credit Agricole Mutuel Brie Picardie (CRBP2) | $4.07 Billion | 3.17% | 7.75x | $543.73 Million |
About Caisse Régionale du Crédit Agricole Alpes Provence
Caisse Régionale de Crédit Agricole Mutuel Alpes Provence Société coopérative provides banking products and services in France. The company offers bank accounts, savings, savings plans, and fixed-term accounts; cards; mobile payment; life insurance; stock market and financial investments; retirement savings solutions; real estate investments; and saving products. It also provides home, car and mo… Read more