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CAT31.PA

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Caisse Regionale de Credit Agricole Mutuel Toulouse 31 · Financial Services · France · $666M · Avg Vol: $230K/d

55
StockRank
Q
28
V
54
M
65
P/E (TTM)
8.3x
ROE
3.3%
D/E
—
Dividend %
3.3%
Director Trades · 180d
None in 180d →
Buybacks · 180d
None in 180d →
AI CONVICTION THESIS

Caisse Regionale de Credit Agricole is a small French regional bank with very low quality metrics (Q: 23). It has no structural growth runway or thematic tailwinds.

COMPANY DESCRIPTION

Caisse Régionale de Crédit Agricole Mutuel Toulouse 31 is a regional cooperative bank providing retail, agricultural, and commercial banking services in southwestern France. The bank possesses a strong local moat, characterized by dominant regional market share, deep community roots, and backing from the national Crédit Agricole cooperative network. It operates as a stable, highly capital-secure financial institution with low credit risks and predictable dividend yields.

FINANCIAL SUMMARY (USD)

Year2021202220232024CAGR
Revenue303.7M316.2M285.1M302.4M-0.1%
EPS17.4016.6014.8316.71-1.3%
Shares4.6M4.6M4.6M4.6M0.0%
Debt282.2M205.7M180.1M163.0M-16.7%
Equity2.1B2.0B2.2B2.3B4.0%
Op CF421.3M-460.0M-294.8M-3.3M—
Inv CF-14.6M-8.7M-19.6M-103.3M—
Fin CF-6.4M3.3M-42.2M69.5M—
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PRICE (1Y)+1.9%
151157163169175May 15Jun 5Jun 25
SMA 50SMA 200
Close
$153.76
RSI (14)
34.9
52W High
$175.22
From 52W High
0.9%

SCORE BREAKDOWN

Quality
28
ROIC (ROA)
0.4%*20.2
ROE
3.3%15.7
GP/Assets
1.5%13.7
Op. Margin
28.2%46.2
FCF/Assets
—N/A
Piotroski
565.6
Int. Cover
—N/A
D/E Ratio
—N/A
Current Ratio
—N/A
Value
54
P/E (TTM)
8.3x77.6
EV/EBITDA
—N/A
P/FCF
—N/A
P/B
0.3x97.5
P/S
2.2x69.6
Div Yield
3.3%44.2
Momentum
65
52W High %
88%41.9
RS 6M
27%93.5
SMA 50/200
1.17x90.6
EPS Rev 4W
—N/A
EPS Rev 12W
—N/A
EPS Improve
—N/A
Q Growth
39%70.3

FUNDAMENTALS

Market Cap
$666M
P/E (Forward)
—
Gross Margin
0.0%

SECTOR PEERS

Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of CAT31.PA are excluded.

TickerCompanyMkt CapStockRankSignal
CAT31.PACaisse Regionale de Credit Agricole Mutuel Toulouse 31(you)$666M55HOLD
CMO.PACaisse Régionale de Crédit Agricole du Morbihan$734M43HOLD
CRSU.PACaisse Régionale de Crédit Agricole Mutuel Sud Rhône Alpes$1.2B53HOLD
CIV.PACaisse régionale de Crédit Agricole Mutuel d'Ille-et-Vilaine Société coopérative$851M43HOLD
CCN.PACaisse Régionale de Crédit Agricole Mutuel de Normandie-Seine Société coopérative$1.1B45HOLD
CRBP2.PACaisse Régionale de Crédit Agricole Mutuel Brie Picardie Société coopérative$2.1B56HOLD
CRLA.PACaisse Régionale de Crédit Agricole Mutuel du Languedoc Société coopérative$2.1B57HOLD
CRTO.PACaisse Régionale de Crédit Agricole Mutuel de la Touraine et du Poitou Société Coopérative$985M37HOLD
CRAP.PACaisse Régionale de Crédit Agricole Mutuel Alpes Provence Société coopérative$1.3B41HOLD
CRLO.PACaisse Régionale de Crédit Agricole Mutuel Loire Haute-Loire Société coopérative$1.1B34SELL

Peer medians: ROE 5.6% · P/E 10.8x · Gross margin 0.0%

Caisse Regionale de Credit Agricole Mutuel Toulouse 31 (CAT31.PA) — Stock Score Summary

Caisse Regionale de Credit Agricole Mutuel Toulouse 31 (CAT31.PA) has a MoatMap StockRank of 55/100 based on Quality (28/100), Value (54/100), and Momentum (65/100) factor scores. The current signal is HOLD. Caisse Regionale de Credit Agricole is a small French regional bank with very low quality metrics (Q: 23). It has no structural growth runway or thematic tailwinds.

Caisse Régionale de Crédit Agricole Mutuel Toulouse 31 is a regional cooperative bank providing retail, agricultural, and commercial banking services in southwestern France. The bank possesses a strong local moat, characterized by dominant regional market share, deep community roots, and backing from the national Crédit Agricole cooperative network. It operates as a stable, highly capital-secure financial institution with low credit risks and predictable dividend yields.

Key Financial Metrics

Price$153.76
Market Cap$666M
P/E (TTM)8.30
Price/Book0.26
Return on Equity3.3%
Gross Margin0.0%
Operating Margin28.2%
Revenue Growth17.3%
Dividend Yield3.3%

Caisse Regionale de Credit Agricole Mutuel Toulouse 31 operates in the Banks - Regional industry, part of the Financial Services sector (France).

Frequently Asked Questions

What is Caisse Regionale de Credit Agricole Mutuel Toulouse 31’s (CAT31.PA) StockRank?
MoatMap’s StockRank for Caisse Regionale de Credit Agricole Mutuel Toulouse 31 (CAT31.PA) is 55/100, with a Hold signal. It is a composite of Quality (28), Value (54), and Momentum (65) factor ranks across MoatMap’s 20,000+ stock universe.
Does Caisse Regionale de Credit Agricole Mutuel Toulouse 31 have an economic moat?
Caisse Regionale de Credit Agricole Mutuel Toulouse 31 (CAT31.PA) has a Quality factor score of 28/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage — the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the characteristics of a moated business.
Is Caisse Regionale de Credit Agricole Mutuel Toulouse 31 a buy, hold, or sell?
MoatMap’s current signal for Caisse Regionale de Credit Agricole Mutuel Toulouse 31 (CAT31.PA) is Hold, based on a StockRank of 55/100. Signals are derived mechanically from the StockRank composite and should be one input among many — combine with your own thesis on management, competitive position, and valuation.
What sector is Caisse Regionale de Credit Agricole Mutuel Toulouse 31 in?
Caisse Regionale de Credit Agricole Mutuel Toulouse 31 (CAT31.PA) operates in the Financial Services sector, specifically the Banks - Regional industry (France).
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