Caisse Régionale de Crédit Agricole is an illiquid French regional cooperative bank. It lacks growth, has a weak economic moat, and has zero alignment with our high-conviction macro themes.

COMPANY DESCRIPTION

Caisse Régionale de Crédit Agricole Mutuel Alpes Provence is a regional cooperative bank offering banking, insurance, and real estate services in the southeastern departments of France. Its competitive moat is anchored by its dominant local market share, cooperative customer-member model, and extensive physical branch network. It operates as a leading regional financial institution within the Crédit Agricole network.

FINANCIAL SUMMARY (USD)

Year	2022	2023	2024	2025	CAGR
Revenue	513.0M	488.4M	515.5M	504.2M	-0.6%
EPS	245.14	196.72	226.33	228.77	-2.3%
Shares	0.7M	0.7M	0.7M	0.7M	0.0%
Debt	518.4M	815.7M	817.5M	380.4M	-9.8%
Equity	3.4B	3.6B	3.9B	4.4B	9.6%
Op CF	-1.3B	-715.6M	250.6M	-429.0M	—
Inv CF	-10.0M	-16.5M	-28.6M	-38.0M	—
Fin CF	36.4M	-90.2M	-12.5M	-37.6M	—

PRICE (1Y)-2.3%

SMA 50SMA 200

$169.70

RSI (14)

9.3

52W High

$199.29

From 52W High

0.9%

SCORE BREAKDOWN

Quality

ROIC (ROA)

—N/A

ROE

—N/A

GP/Assets

1.6%15.6

Op. Margin

21.7%39.8

FCF/Assets

—N/A

Piotroski

446.3

Int. Cover

—N/A

D/E Ratio

—N/A

Current Ratio

—N/A

Value

P/E (TTM)

8.2x78.0

EV/EBITDA

—N/A

P/FCF

—N/A

P/B

0.3x96.3

P/S

2.4x67.4

Div Yield

2.8%36.5

Momentum

52W High %

85%36.5

RS 6M

16%86.0

SMA 50/200

1.12x82.0

EPS Rev 4W

—N/A

EPS Rev 12W

—N/A

EPS Improve

—N/A

Q Growth

-21%14.9

FUNDAMENTALS

Market Cap

$1.3B

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 CRAP.PA are excluded.

Ticker	Company	Mkt Cap	StockRank	Signal
CRAP.PA	Caisse Régionale de Crédit Agricole Mutuel Alpes Provence Société coopérative(you)	$1.3B	41	HOLD
CRAV.PA	Caisse régionale de Crédit Agricole Mutuel Atlantique Vendée	$1.3B	36	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
CRLO.PA	Caisse Régionale de Crédit Agricole Mutuel Loire Haute-Loire Société coopérative	$1.1B	34	SELL
CIV.PA	Caisse régionale de Crédit Agricole Mutuel d'Ille-et-Vilaine Société coopérative	$851M	43	HOLD
CRSU.PA	Caisse Régionale de Crédit Agricole Mutuel Sud Rhône Alpes	$1.2B	53	HOLD
CMO.PA	Caisse Régionale de Crédit Agricole du Morbihan	$734M	43	HOLD
CRBP2.PA	Caisse Régionale de Crédit Agricole Mutuel Brie Picardie Société coopérative	$2.1B	56	HOLD
CRLA.PA	Caisse Régionale de Crédit Agricole Mutuel du Languedoc Société coopérative	$2.1B	57	HOLD

Peer medians: ROE 5.2% · P/E 10.8x · Gross margin 0.0%

Caisse Régionale de Crédit Agricole Mutuel Alpes Provence Société coopérative (CRAP.PA) — Stock Score Summary

Caisse Régionale de Crédit Agricole Mutuel Alpes Provence Société coopérative (CRAP.PA) has a MoatMap StockRank of 41/100 based on Quality (28/100), Value (52/100), and Momentum (52/100) factor scores. The current signal is HOLD. Caisse Régionale de Crédit Agricole is an illiquid French regional cooperative bank. It lacks growth, has a weak economic moat, and has zero alignment with our high-conviction macro themes.

Key Financial Metrics

Price	$169.70
Market Cap	$1.3B
P/E (TTM)	8.19
Price/Book	0.30
Gross Margin	0.0%
Operating Margin	21.7%
Revenue Growth	0.0%
Dividend Yield	2.8%

Caisse Régionale de Crédit Agricole Mutuel Alpes Provence 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 Alpes Provence Société coopérative’s (CRAP.PA) StockRank?: MoatMap’s StockRank for Caisse Régionale de Crédit Agricole Mutuel Alpes Provence Société coopérative (CRAP.PA) is 41/100, with a Hold signal. It is a composite of Quality (28), Value (52), and Momentum (52) factor ranks across MoatMap’s 20,000+ stock universe.
Does Caisse Régionale de Crédit Agricole Mutuel Alpes Provence Société coopérative have an economic moat?: Caisse Régionale de Crédit Agricole Mutuel Alpes Provence Société coopérative (CRAP.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 Régionale de Crédit Agricole Mutuel Alpes Provence Société coopérative a buy, hold, or sell?: MoatMap’s current signal for Caisse Régionale de Crédit Agricole Mutuel Alpes Provence Société coopérative (CRAP.PA) is Hold, based on a StockRank of 41/100. 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 Alpes Provence Société coopérative in?: Caisse Régionale de Crédit Agricole Mutuel Alpes Provence Société coopérative (CRAP.PA) operates in the Financial Services sector, specifically the Banks - Regional industry (France).