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CRTO.PA

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Caisse Régionale de Crédit Agricole Mutuel de la Touraine et du Poitou Société Coopérative · Financial Services · France · $985M · Avg Vol: $84K/d

37
StockRank
Q
27
V
46
M
55
P/E (TTM)
12.2x
ROE
2.8%
D/E
—
Dividend %
2.4%
Director Trades · 180d
None in 180d →
Buybacks · 180d
None in 180d →
AI CONVICTION THESIS

A French regional cooperative bank with low liquidity, low growth, and structural profitability constraints.

COMPANY DESCRIPTION

Caisse Régionale de Crédit Agricole Mutuel de la Touraine et du Poitou provides retail banking, insurance, and financial services in the Indre-et-Loire and Vienne departments of France. The bank's competitive moat is established through its dominant local market share, cooperative structure, and deep-rooted relationships with regional agricultural and retail clients. It operates as a highly stable, regional market leader within the Crédit Agricole network.

FINANCIAL SUMMARY (USD)

Year2022202320242025CAGR
Revenue366.8M389.2M338.0M344.5M-2.1%
EPS106.5876.0276.3980.71-8.9%
Shares1.0M1.0M1.0M1.0M0.0%
Debt66.3M111.9M142.1M134.4M26.6%
Equity2.8B3.0B3.2B3.6B8.3%
Op CF-968.7M-350.4M135.0M-139.9M—
Inv CF-9.6M-42.4M-22.1M-25.8M—
Fin CF2.0M-44.4M-22.5M-23.9M—
Loading...
PRICE (1Y)-8.1%
159165171176182May 15Jun 5Jun 25
SMA 50SMA 200
Close
$159.23
RSI (14)
33.2
52W High
$184.78
From 52W High
0.9%

SCORE BREAKDOWN

Quality
27
ROIC (ROA)
0.5%*22.4
ROE
2.8%14.4
GP/Assets
1.8%18.4
Op. Margin
12.5%29.3
FCF/Assets
—N/A
Piotroski
565.6
Int. Cover
—N/A
D/E Ratio
—N/A
Current Ratio
—N/A
Value
46
P/E (TTM)
12.2x55.5
EV/EBITDA
—N/A
P/FCF
—N/A
P/B
0.3x97.1
P/S
2.8x61.1
Div Yield
2.4%30.1
Momentum
55
52W High %
86%38.6
RS 6M
29%94.8
SMA 50/200
1.18x91.7
EPS Rev 4W
—N/A
EPS Rev 12W
—N/A
EPS Improve
—N/A
Q Growth
-68%3.4

FUNDAMENTALS

Market Cap
$985M
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 CRTO.PA are excluded.

TickerCompanyMkt CapStockRankSignal
CRTO.PACaisse Régionale de Crédit Agricole Mutuel de la Touraine et du Poitou Société Coopérative(you)$985M37HOLD
CRLO.PACaisse Régionale de Crédit Agricole Mutuel Loire Haute-Loire Société coopérative$1.1B34SELL
CRAV.PACaisse régionale de Crédit Agricole Mutuel Atlantique Vendée$1.3B36HOLD
CIV.PACaisse régionale de Crédit Agricole Mutuel d'Ille-et-Vilaine Société coopérative$851M43HOLD
CRAP.PACaisse Régionale de Crédit Agricole Mutuel Alpes Provence Société coopérative$1.3B41HOLD
CCN.PACaisse Régionale de Crédit Agricole Mutuel de Normandie-Seine Société coopérative$1.1B45HOLD
CMO.PACaisse Régionale de Crédit Agricole du Morbihan$734M43HOLD
CRSU.PACaisse Régionale de Crédit Agricole Mutuel Sud Rhône Alpes$1.2B53HOLD
CAT31.PACaisse Regionale de Credit Agricole Mutuel Toulouse 31$666M55HOLD
CAF.PACaisse Régionale de Crédit Agricole Mutuel de Paris et d'Ile-de-France$3.8B33SELL

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

Caisse Régionale de Crédit Agricole Mutuel de la Touraine et du Poitou Société Coopérative (CRTO.PA) — Stock Score Summary

Caisse Régionale de Crédit Agricole Mutuel de la Touraine et du Poitou Société Coopérative (CRTO.PA) has a MoatMap StockRank of 37/100 based on Quality (27/100), Value (46/100), and Momentum (55/100) factor scores. The current signal is HOLD. A French regional cooperative bank with low liquidity, low growth, and structural profitability constraints.

Caisse Régionale de Crédit Agricole Mutuel de la Touraine et du Poitou provides retail banking, insurance, and financial services in the Indre-et-Loire and Vienne departments of France. The bank's competitive moat is established through its dominant local market share, cooperative structure, and deep-rooted relationships with regional agricultural and retail clients. It operates as a highly stable, regional market leader within the Crédit Agricole network.

Key Financial Metrics

Price$159.23
Market Cap$985M
P/E (TTM)12.22
Price/Book0.28
Return on Equity2.8%
Gross Margin0.0%
Operating Margin12.5%
Revenue Growth-21.6%
Dividend Yield2.4%

Caisse Régionale de Crédit Agricole Mutuel de la Touraine et du Poitou 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 de la Touraine et du Poitou Société Coopérative’s (CRTO.PA) StockRank?
MoatMap’s StockRank for Caisse Régionale de Crédit Agricole Mutuel de la Touraine et du Poitou Société Coopérative (CRTO.PA) is 37/100, with a Hold signal. It is a composite of Quality (27), Value (46), and Momentum (55) factor ranks across MoatMap’s 20,000+ stock universe.
Does Caisse Régionale de Crédit Agricole Mutuel de la Touraine et du Poitou Société Coopérative have an economic moat?
Caisse Régionale de Crédit Agricole Mutuel de la Touraine et du Poitou Société Coopérative (CRTO.PA) has a Quality factor score of 27/100. 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 de la Touraine et du Poitou Société Coopérative a buy, hold, or sell?
MoatMap’s current signal for Caisse Régionale de Crédit Agricole Mutuel de la Touraine et du Poitou Société Coopérative (CRTO.PA) is Hold, based on a StockRank of 37/100. 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 de la Touraine et du Poitou Société Coopérative in?
Caisse Régionale de Crédit Agricole Mutuel de la Touraine et du Poitou Société Coopérative (CRTO.PA) operates in the Financial Services sector, specifically the Banks - Regional industry (France).
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