Caisse régionale de Crédit is a regional French bank with low quality metrics (Q: 20) and no exposure to our high-conviction macro themes. It lacks any structural moat or reinvestment runway.

COMPANY DESCRIPTION

Caisse Régionale de Crédit Agricole Mutuel d'Ille-et-Vilaine is a French regional cooperative bank offering banking, insurance, and real estate services. Its competitive moat is built on unmatched local customer density, cooperative structure loyalty, and the operational support of the parent Crédit Agricole Group. The bank stands as a highly stable, low-volatility regional lender with a solid capital position and conservative business profile.

FINANCIAL SUMMARY (USD)

Year	2021	2022	2023	2024	2025	CAGR
Revenue	—	329.7M	297.2M	301.0M	304.1M	-2.7%
EPS	11.58	38.55	31.64	33.63	—	42.7%
Shares	—	2.2M	2.2M	2.2M	6.1M	+176.5%
Debt	—	95.7M	43.9M	61.4M	57.8M	-15.5%
Equity	—	2.4B	2.6B	2.8B	3.1B	9.3%
Op CF	—	-253.1M	-708.4M	17.9M	-164.5M	—
Inv CF	—	-14.6M	-15.9M	-22.9M	-36.4M	—
Fin CF	—	2.8M	-21.3M	16.3M	4.3M	—

PRICE (1Y)+5.4%

SMA 50SMA 200

$145.22

RSI (14)

25.0

52W High

$161.73

From 52W High

0.9%

SCORE BREAKDOWN

Quality

ROIC (ROA)

0.3%*17.0

ROE

2.5%14.0

GP/Assets

1.3%8.9

Op. Margin

15.0%32.1

FCF/Assets

—N/A

Piotroski

214.7

Int. Cover

—N/A

D/E Ratio

—N/A

Current Ratio

—N/A

Value

P/E (TTM)

11.5x61.4

EV/EBITDA

—N/A

P/FCF

—N/A

P/B

0.3x97.0

P/S

2.7x62.5

Div Yield

2.6%32.6

Momentum

52W High %

90%46.2

RS 6M

28%93.9

SMA 50/200

1.16x89.8

EPS Rev 4W

—N/A

EPS Rev 12W

—N/A

EPS Improve

—N/A

Q Growth

47%74.3

FUNDAMENTALS

Market Cap

$851M

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 CIV.PA are excluded.

Ticker	Company	Mkt Cap	StockRank	Signal
CIV.PA	Caisse régionale de Crédit Agricole Mutuel d'Ille-et-Vilaine Société coopérative(you)	$851M	43	HOLD
CMO.PA	Caisse Régionale de Crédit Agricole du Morbihan	$734M	43	HOLD
CCN.PA	Caisse Régionale de Crédit Agricole Mutuel de Normandie-Seine Société coopérative	$1.1B	45	HOLD
CRTO.PA	Caisse Régionale de Crédit Agricole Mutuel de la Touraine et du Poitou Société Coopérative	$985M	37	HOLD
CRAP.PA	Caisse Régionale de Crédit Agricole Mutuel Alpes Provence Société coopérative	$1.3B	41	HOLD
CRLO.PA	Caisse Régionale de Crédit Agricole Mutuel Loire Haute-Loire Société coopérative	$1.1B	34	SELL
CRAV.PA	Caisse régionale de Crédit Agricole Mutuel Atlantique Vendée	$1.3B	36	HOLD
CAT31.PA	Caisse Regionale de Credit Agricole Mutuel Toulouse 31	$666M	55	HOLD
CRSU.PA	Caisse Régionale de Crédit Agricole Mutuel Sud Rhône Alpes	$1.2B	53	HOLD
CRBP2.PA	Caisse Régionale de Crédit Agricole Mutuel Brie Picardie Société coopérative	$2.1B	56	HOLD

Peer medians: ROE 5.6% · P/E 10.7x · Gross margin 0.0%

Caisse régionale de Crédit Agricole Mutuel d'Ille-et-Vilaine Société coopérative (CIV.PA) — Stock Score Summary

Caisse régionale de Crédit Agricole Mutuel d'Ille-et-Vilaine Société coopérative (CIV.PA) has a MoatMap StockRank of 43/100 based on Quality (20/100), Value (48/100), and Momentum (66/100) factor scores. The current signal is HOLD. Caisse régionale de Crédit is a regional French bank with low quality metrics (Q: 20) and no exposure to our high-conviction macro themes. It lacks any structural moat or reinvestment runway.

Key Financial Metrics

Price	$145.22
Market Cap	$851M
P/E (TTM)	11.46
Price/Book	0.28
Return on Equity	2.5%
Gross Margin	0.0%
Operating Margin	15.0%
Revenue Growth	8.7%
Dividend Yield	2.6%

Caisse régionale de Crédit Agricole Mutuel d'Ille-et-Vilaine Société coopérative operates in the Banks - Regional industry, part of the Financial Services sector (France).

Frequently Asked Questions

What is Caisse régionale de Crédit Agricole Mutuel d'Ille-et-Vilaine Société coopérative’s (CIV.PA) StockRank?: MoatMap’s StockRank for Caisse régionale de Crédit Agricole Mutuel d'Ille-et-Vilaine Société coopérative (CIV.PA) is 43/100, with a Hold signal. It is a composite of Quality (20), Value (48), and Momentum (66) factor ranks across MoatMap’s 20,000+ stock universe.
Does Caisse régionale de Crédit Agricole Mutuel d'Ille-et-Vilaine Société coopérative have an economic moat?: Caisse régionale de Crédit Agricole Mutuel d'Ille-et-Vilaine Société coopérative (CIV.PA) has a Quality factor score of 20/100. 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 régionale de Crédit Agricole Mutuel d'Ille-et-Vilaine Société coopérative a buy, hold, or sell?: MoatMap’s current signal for Caisse régionale de Crédit Agricole Mutuel d'Ille-et-Vilaine Société coopérative (CIV.PA) is Hold, based on a StockRank of 43/100. 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 régionale de Crédit Agricole Mutuel d'Ille-et-Vilaine Société coopérative in?: Caisse régionale de Crédit Agricole Mutuel d'Ille-et-Vilaine Société coopérative (CIV.PA) operates in the Financial Services sector, specifically the Banks - Regional industry (France).