Sector pending / Commercial BanksUpdated 2026-05-10 22:07 UTC

LON/0O3Q stock hub

LON/0O3Q has a live ticker hub with the latest available market, valuation, profitability, growth, ownership, and risk indicators.

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Fair value midpoint

n/a

Fair value pending

Upside to midpoint

n/a

Based on latest report

Confidence

n/a

Data quality and model convergence

Market cap

882.2M

London Stock Exchange

Market data

Live price

Current market quote for this ticker.

Current price

LON/0O3Q

In the news

Latest news · LON/0O3Q

Recent company headlines from major financial publishers.

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Fetching the latest headlines.

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Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector context

Where the current metrics sit

Percentiles come from the backend screener cohort cache for the ticker's country and sector.

Forward P/En/a

P25 n/aP50 n/aP75 n/a

Trailing P/E9.4

P25 n/aP50 n/aP75 n/a

ROE3

P25 n/aP50 n/aP75 n/a

ROICn/a

P25 n/aP50 n/aP75 n/a

Benchmarks - 1M

S&P 500n/a

Nasdaq Compositen/a

Dow Jones Industrial Averagen/a

Russell 2000n/a

Indicator catalog

All LON/0O3Q market and fundamental indicators

A searchable catalog of the available market, valuation, profitability, growth, balance-sheet, ownership, and analyst metrics for this ticker.

Available fields

166

Groups with data

Currency

EUR

Showing 166 of 166 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Country	France
Country code	UK
Employees	2,240.8
Employees Change	-45.17%
Employees Change Percent	-1.98
Exchange	London Stock Exchange
Financial currency	EUR
First seen	2026-05-10
Industry	Commercial Banks
Isin	FR0000045346
Last refreshed	2026-05-10
Market cap	EUR 882.2M
Price	EUR 224
Price currency	EUR
Rev Per Employee	174,900.39x
Sic	6020
Symbol	lon/0O3Q
Website	https://www.credit-agricole.fr/ca-sudrhonealpes/particulier.html

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Earnings Yield	10.59%
FCF yield	10.14%
P/B ratio	0.27x
P/E ratio	9.44x
P/S ratio	2.4x
PE Ratio10 Y	6.35x
PE Ratio3 Y	7.15x
PE Ratio5 Y	6.56x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
FCF margin	24.33%
Gross Profit	EUR 367.6M
Net Income	EUR 93.4M
Net Income Growth	13.83%
Net Income Growth Q	31.2%
Net Income Growth3 Y	2.57%
Net Income Growth5 Y	0.54%
Pretax Margin	27.98%
Profit Margin	25.41%
Profit Per Employee	EUR 44,439
ROA	0.39
Roa5y	0.38
ROE	3.01
Roe5y	3.36

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
Cagr1y	60.24%
Div CAGR10	0.17%
Div CAGR3	-1.29%
Div CAGR5	-2.7%
EPS Growth	12.87
EPS Growth Q	29.17
EPS Growth3 Y	2.33
EPS Growth5 Y	0.56
OCF Growth	1,284.79%
OCF Growth10 Y	-12.87%
Revenue Growth	6.8x
Revenue Growth Q	6.65x
Revenue Growth3 Y	2.32x
Revenue Growth5 Y	0.95x

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Assets	EUR 24.3B
Cash	EUR 212.7M
Debt	EUR 232M
Debt FCF	EUR 2.59
Equity	EUR 3.3B
Liabilities	EUR 21.1B
Net Cash	EUR -19.3M
Net Cash By Market Cap	EUR -2.19
Net Debt Equity	EUR 0.01
Net Debt FCF	EUR 0.22
Tangible Book Value	EUR 3.3B
Tangible Book Value Per Share	EUR 712
WACC	5.2

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Working Capital	EUR -20.4B

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback Yield	-0.84%
Dividend Growth	0.32%
Dividend Growth Years	1%
Dividend per share	EUR 5.05
Dividend Years	19
Dividend Yield	2.26%
Ex Div Date	2025-05-29
Last Dividend	EUR 5.05
Payout Frequency	Annual
Payout Ratio	18.35%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
1Y total return	60.18%
200-day SMA	180
50-day SMA	200
50-day SMA vs 200-day SMA	50over200
All Time High	237.8
All Time High Change	-6.01%
All Time High Date	2025-10-03
All Time Low	104.5
All Time Low Change	113.88%
All Time Low Date	2024-03-20
ATR	3.37
Beta	0.42
Ch YTD	17.32
High	223.5
High52	237.8
High52 Date	2025-10-03
High52ch	-6.01%
Low	223.5
Low52	143
Low52 Date	2025-05-12
Low52ch	56.29%
Ma50ch	11.76%
Price vs 200-day SMA	24.15%
RSI	69.52
RSI Monthly	69.28
RSI Weekly	62.92
Sharpe ratio	1.91x
Sortino ratio	3.09
Total Return	1.42%
Tr YTD	17.32
Tr1m	12.59%
Tr1w	0.22%
Tr3m	11.78%

Analyst estimates

Ratings, targets, revisions, and forward estimate fields.

Metric	Value
Operating Income	EUR 102.6M
Operating margin	27.9

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	627,429%
Net Borrowing	-22,676,805.7
Shares Institutions	0%
Shares Qo Q	1.21%
Shares Yo Y	0.84%

Other indicators

Additional ticker metrics that do not fit the primary research groupings yet.

Metric	Value
Adjusted FCF	EUR 89.4M
Average Volume	0.45x
Bv Per Share	714.8
CAPEX	EUR -11M
Ch1m	12.59
Ch1w	0.22
Ch1y	54.14
Ch3m	11.78
Ch6m	8.68
Change	0.22%
Change From Open	0
Close	223
Days Gap	0.22
Earnings Date	2026-06-17
EPS	EUR 20.44
F Score	4
FCF	EUR 89.4M
Financing CF	-37,065,380
Fiscal Year End	December
Founded	1,995
Goodwill	2,472,260.6
Graham Number	663.78702
Graham Upside	197
Income Tax	EUR 9.5M
Investing CF	-19,225,354
Is Primary Listing	0
Last Earnings Date	2026-01-26
Last Report Date	2025-12-31
Lynch Fair Value	EUR 118
Lynch Upside	-47.06
Ma150	192.1
Ma150ch	16.33%
Ma20	205.1
Ma20ch	8.97%
Net CF	44,183,070
Next Earnings Date	2026-06-17
Open	223.5
P FCF Ratio	9.86
P OCF Ratio	8.78
Payment Date	2025-06-02
Ppne	95,252,099.3
Price Date	2026-05-08
Ptbv Ratio	0.27
Relative Volume	17.78x
Revenue	367,640,622x
Tax By Revenue	2.57x
Tax Rate	9.2%
Tr6m	8.68%

Fast facts

Decision checkpoints

A compact product layer over the same report payload.

Risk gate

n/a

Named kill scenarios are reviewed before any bullish rating can stand.

Moat score

n/a

Business quality stays separate from stock attractiveness.

Forward P/E

n/a

Valuation uses the full report model stack, not a single multiple.

Next action

Research pending

Final action steps are kept in the recommendation tab.

Income

LON/0O3Q dividend yield, growth & safety

Yield, payout sustainability, and the multi-year growth streak.

Dividend yield

+2.3%

$5.05 annual per share

Payout ratio

+18.4%

Share of earnings returned as dividends. Below 60% is generally sustainable.

5Y dividend CAGR

-2.7%

1 consecutive years of growth

Total shareholder yield

+1.4%

Next ex-dividend date: 2025-05-29

Performance

LON/0O3Q stock returns vs the market

Total return (incl. dividends) compared to S&P 500.

Ownership

Who owns LON/0O3Q?

Insider, institutional, and short-interest positioning.

Institutional ownership

+0.0%

Share of float held by funds and institutions

Insider ownership

n/a

Stake held by company insiders. Higher generally signals alignment.

Short interest

n/a

Float sold short by bearish positioning

Y/Y dilution

+0.8%

Negative means the company is buying back shares.

Technical

LON/0O3Q momentum and risk profile

RSI, moving-average stack, beta, and risk-adjusted return.

RSI (14)

69.5

Neutral momentum band

Price vs 200-day MA

+24.1%

50/200-day relationship not available

Beta (5Y)

0.42

Less volatile than the market

Sharpe ratio

1.91

Risk-adjusted return — higher is better; >1.0 is solid.

Questions

About LON/0O3Q

Hub-level FAQ points readers to the deeper analysis pages.

What is the current lon/0O3Q stock rating?

lon/0O3Q is currently shown with the latest rating in the latest report. The hub links directly to the full analysis surface where the rating, fair-value bridge, risks, and scorecard are documented together.

Where can I read the full lon/0O3Q analysis?

The full report lives at /stocks/lon/0O3Q/analysis. The bare ticker page is a product hub that summarizes the latest read and sends readers into the relocated analysis tabs without making the analysis surface depend on the hub.

What fair-value range is used for lon/0O3Q?

The latest report frames lon/0O3Q around the latest fair-value range. Treat that range as the entry point, then check the valuation, sensitivity, and bear-case tabs before making an investment decision.

How often is the lon/0O3Q page updated?

The hub updates with the latest published stock report and live backend market data. The analysis pages remain reachable under /analysis, so a hub rollback does not remove the report reader.