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Caisse Regionale de Credit Agricole Mutuel de la Touraine et du Poitou Cert.Coop.d'Invt.

Caisse Regionale de Credit Agricole Mutuel de la Touraine et du Poitou Cert.Coop.d'Invt.

134.00
EUR
-3.00
(-2.19%)
674.51MMarket Cap
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
41.19
44.86
39.25
46.35
45.94
38.92
40.44
57.38
40.16
51.05
54.35
39.42
41.67
- -
Basic EPS, GAAP
9.1
10.54
10.49
10.54
10.56
10.61
10.78
9.72
9.93
14.84
17.79
10.7
11.33
- -
Free Cash Flow per Basic Share
2.12
7.22
4.12
88.08
-6.84
-19.1
16.31
92.09
149.38
-134.82
-48.93
15.75
-16.92
- -
Dividend per Share
1.53
1.67
1.53
0.98
1.75
- -
- -
- -
- -
- -
- -
- -
- -
- -
Book Value per Share
225.38
243.99
261.04
272.46
322.94
325.1
349.65
351.67
395.99
390.47
421.5
451.55
500.76
500.76
Tangible Book Value per Share
225.37
243.98
261.03
272.46
322.94
325.1
349.64
351.67
395.04
389.5
420.45
450.41
499.59
499.59
Basic Weighted Avg Shares
8
7
8
7
7
8
7
5
7
6
6
8
7
6
Sales/Revenue/Turnover
313
317
321
308
308
293
295
270
293
322
342
297
302
- -
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
6
7
7
9
8
7
8
9
9
10
11
10
10
- -
Net Income, GAAP
69
74
86
70
71
80
79
46
73
94
112
81
82
- -
Effective Tax Rate (%)
35.79
32.8
30.56
36.19
32.64
18.64
23.02
29.52
20.01
12.73
7.42
7.85
9.41
- -
Profit Margin (%)
22.09
23.49
26.73
22.74
22.99
27.26
26.66
16.94
24.73
29.07
32.73
27.14
27.19
- -
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
20
- -
- -
- -
20
34
31
48
201
58
98
125
118
118
Total Equity
1,446
1,561
1,665
1,732
2,047
2,058
2,210
2,220
2,498
2,463
2,650
2,832
3,127
3,127
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
4.54
4.92
5.31
4.12
3.73
3.85
3.63
2.03
2.92
3.59
4.24
2.82
2.65
- -
Return on Common Equity (%)
4.92
4.95
5.31
4.12
3.75
3.9
3.69
2.06
3.07
3.77
4.37
2.94
2.76
- -

Capital Structure

EUR

•

in mil. unless spec.
Dec'24
Jun'25
Dec'25
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
6
6
6
Market Capitalization
490
592
675

Working Capital

EUR

•

in mil. unless spec.
Dec'24
Jun'25
Dec'25
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
70
57
87
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

EUR

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
6.66%
7.19%
10.42%
Free Cash Flow
139.32%
-86.4%
-203.63%
Net Income, GAAP
3.35%
16.26%
2.1%
Sales/Revenue/Turnover
-0.33%
2.67%
1.91%
Total Cash Common Dividend
- -
- -
- -

Semi-annual Revenue

EUR

•

in mil. unless spec.

Year

H1
H2
FY
2023
- -
- -
342
2024
- -
- -
297
2025
- -
- -
302

Semi-annual Earnings Per Share

EUR

•

in mil. unless spec.

Year

H1
H2
FY
2023
- -
- -
17.79
2024
- -
- -
10.7
2025
- -
- -
11.33

Semi-annual Dividends Per Share

EUR

•

in mil. unless spec.

Year

H1
H2
FY
2023
- -
- -
- -
2024
- -
- -
- -
2025
- -
- -
- -

Company Description

Company Profile APIChatGPT
CEO
Nathalie Mourlon
Full Time Employees
1,587
Sector
Finance
Industry
Major banks
Address
18 rue Salvador Allende Poitiers NA France 86008
IPO Date
Jun 21, 1995
Website
credit-agricole.fr
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Business
Caisse Régionale de Crédit Agricole Mutuel de La Touraine et du Poitou Société Coopérative (CRTO.PA) operates as a regional cooperative bank and member of the Crédit Agricole group, providing retail banking, insurance, savings, and wealth management services to individuals, farmers, professionals, businesses, associations, and public entities in the Indre-et-Loire and Vienne departments of France. It offers deposit accounts, real estate and consumer loans including personal, auto, student, and revolving credits; payment cards, cash management, leasing, foreign exchange, guarantees, and investment products; as well as insurance covering daily life, home, savings, retirement, and previsional needs, supported by online simulators and a mobile banking app. The bank maintains a network of 142 permanent sales points including 64 local caisses, two business centers in Tours and Poitiers, and dual headquarters in Poitiers and Tours, managing EUR17.7 billion in deposits and EUR12.5 billion in loans as of end-2023 with around 1,666 employees. Founded in 1995 through the merger of the Vienne and Indre-et-Loire caisses, it issues Certificats Coopératifs d'Investissement listed on Euronext Paris and operates as a subsidiary of Crédit Agricole SA. Recent developments include robust 2024 performance with EUR1.45 billion in new credits disbursed, strengthening its 36.6% housing market share and 1.5% growth in consumer loans; addition of nearly 11,000 new clients in H1 2025 and 23,000 new members in 2024; openings of a dedicated health professionals agency in Tours, a viticulture space in Chinon, the Village by CA innovation hub in February 2025, and the first Local by CA community space in May 2025; and advancement of its Ensemble 2025 strategic plan emphasizing client satisfaction, territorial support, and societal transitions with over EUR1.5 million in associational funding.