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CRAV.PA

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Caisse régionale de Crédit Agricole Mutuel Atlantique Vendée · Financial Services · France · $1.3B · Avg Vol: $154K/d

36
StockRank
Q
23
V
46
M
57
P/E (TTM)
13.1x
ROE
2.0%
D/E
—
Dividend %
2.5%
Director Trades · 180d
None in 180d →
Buybacks · 180d
None in 180d →
AI CONVICTION THESIS

A regional French bank with low return metrics and exposure to eurozone interest rate volatility. It does not fit any of our high-conviction macro themes and lacks the quality characteristics of a compounder.

COMPANY DESCRIPTION

Caisse régionale de Crédit Agricole Mutuel Atlantique Vendée provides retail banking, wealth management, and insurance services in the Loire-Atlantique and Vendée regions of France. The bank's competitive advantage lies in its cooperative structure, deep local customer relationships, and dominant market share in regional agricultural financing. It is a highly stable, regional market leader within the Crédit Agricole cooperative network.

FINANCIAL SUMMARY (USD)

Year2022202320242025CAGR
Revenue562.2M470.6M484.5M492.2M-4.3%
EPS126.3682.1581.3781.26-13.7%
Shares1.2M1.2M1.2M1.2M0.0%
Debt684.7M497.7M413.0M362.2M-19.1%
Equity4.0B4.3B4.5B5.0B7.2%
Op CF-126.4M-979.8M309.2M-629.1M—
Inv CF-43.8M-57.7M-68.5M-47.2M—
Fin CF19.8M-80.6M-8.4M-30.0M—
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PRICE (1Y)-2.0%
174183192201211May 15Jun 5Jun 25
SMA 50SMA 200
Close
$173.94
RSI (14)
19.0
52W High
$211.87
From 52W High
0.8%

SCORE BREAKDOWN

Quality
23
ROIC (ROA)
0.3%*15.9
ROE
2.0%12.9
GP/Assets
1.3%9.0
Op. Margin
16.9%34.0
FCF/Assets
—N/A
Piotroski
446.3
Int. Cover
—N/A
D/E Ratio
—N/A
Current Ratio
—N/A
Value
46
P/E (TTM)
13.1x49.6
EV/EBITDA
—N/A
P/FCF
—N/A
P/B
0.3x97.7
P/S
2.6x64.2
Div Yield
2.5%31.9
Momentum
57
52W High %
82%31.2
RS 6M
14%83.0
SMA 50/200
1.14x87.1
EPS Rev 4W
—N/A
EPS Rev 12W
—N/A
EPS Improve
—N/A
Q Growth
26%62.0

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 CRAV.PA are excluded.

TickerCompanyMkt CapStockRankSignal
CRAV.PACaisse régionale de Crédit Agricole Mutuel Atlantique Vendée(you)$1.3B36HOLD
CRLO.PACaisse Régionale de Crédit Agricole Mutuel Loire Haute-Loire Société coopérative$1.1B34SELL
CRAP.PACaisse Régionale de Crédit Agricole Mutuel Alpes Provence Société coopérative$1.3B41HOLD
CRTO.PACaisse Régionale de Crédit Agricole Mutuel de la Touraine et du Poitou Société Coopérative$985M37HOLD
CCN.PACaisse Régionale de Crédit Agricole Mutuel de Normandie-Seine Société coopérative$1.1B45HOLD
CIV.PACaisse régionale de Crédit Agricole Mutuel d'Ille-et-Vilaine Société coopérative$851M43HOLD
CRSU.PACaisse Régionale de Crédit Agricole Mutuel Sud Rhône Alpes$1.2B53HOLD
CMO.PACaisse Régionale de Crédit Agricole du Morbihan$734M43HOLD
CAF.PACaisse Régionale de Crédit Agricole Mutuel de Paris et d'Ile-de-France$3.8B33SELL
CRBP2.PACaisse Régionale de Crédit Agricole Mutuel Brie Picardie Société coopérative$2.1B56HOLD

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

Caisse régionale de Crédit Agricole Mutuel Atlantique Vendée (CRAV.PA) — Stock Score Summary

Caisse régionale de Crédit Agricole Mutuel Atlantique Vendée (CRAV.PA) has a MoatMap StockRank of 36/100 based on Quality (23/100), Value (46/100), and Momentum (57/100) factor scores. The current signal is HOLD. A regional French bank with low return metrics and exposure to eurozone interest rate volatility. It does not fit any of our high-conviction macro themes and lacks the quality characteristics of a compounder.

Caisse régionale de Crédit Agricole Mutuel Atlantique Vendée provides retail banking, wealth management, and insurance services in the Loire-Atlantique and Vendée regions of France. The bank's competitive advantage lies in its cooperative structure, deep local customer relationships, and dominant market share in regional agricultural financing. It is a highly stable, regional market leader within the Crédit Agricole cooperative network.

Key Financial Metrics

Price$173.94
Market Cap$1.3B
P/E (TTM)13.09
Price/Book0.26
Return on Equity2.0%
Gross Margin0.0%
Operating Margin16.9%
Revenue Growth7.9%
Dividend Yield2.5%

Caisse régionale de Crédit Agricole Mutuel Atlantique Vendée operates in the Banks - Regional industry, part of the Financial Services sector (France).

Frequently Asked Questions

What is Caisse régionale de Crédit Agricole Mutuel Atlantique Vendée’s (CRAV.PA) StockRank?
MoatMap’s StockRank for Caisse régionale de Crédit Agricole Mutuel Atlantique Vendée (CRAV.PA) is 36/100, with a Hold signal. It is a composite of Quality (23), Value (46), and Momentum (57) factor ranks across MoatMap’s 20,000+ stock universe.
Does Caisse régionale de Crédit Agricole Mutuel Atlantique Vendée have an economic moat?
Caisse régionale de Crédit Agricole Mutuel Atlantique Vendée (CRAV.PA) has a Quality factor score of 23/100. 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 Atlantique Vendée a buy, hold, or sell?
MoatMap’s current signal for Caisse régionale de Crédit Agricole Mutuel Atlantique Vendée (CRAV.PA) is Hold, based on a StockRank of 36/100. 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 Atlantique Vendée in?
Caisse régionale de Crédit Agricole Mutuel Atlantique Vendée (CRAV.PA) operates in the Financial Services sector, specifically the Banks - Regional industry (France).
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