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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
Caisse Regionale de Credit Agricole Mutuel de la Touraine et du Poitou Cert.Coop.d'Invt.
LSE:0IQP
(London Stock Exchange)

Recent

price

134.00

P/E

ratio

- -

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
EUR
47.37
41.72
49.89
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
- -
Revenue per Share
11.4
10.16
8.71
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
- -
Basic EPS, GAAP
0.89
10.89
-8.02
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
- -
Free Cash Flow per Basic Share
- -
- -
2.3
1.53
1.67
1.53
0.98
1.75
- -
- -
- -
- -
- -
- -
- -
- -
- -
Dividend per Share
993
1,080.31
213.17
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
Book Value per Share
992.92
1,080.24
213.17
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
Tangible Book Value per Share
6
8
6
8
7
8
7
7
8
7
5
7
6
6
8
7
6
Basic Weighted Avg Shares
307
315
278
313
317
321
308
308
293
295
270
293
322
342
297
302
- -
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
7
6
6
6
7
7
9
8
7
8
9
9
10
11
10
10
- -
Depreciation Expense
74
77
49
69
74
86
70
71
80
79
46
73
94
112
81
82
- -
Net Income, GAAP
30.88
33.42
42.72
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
- -
Effective Tax Rate (%)
24.06
24.35
17.46
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
- -
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
5,276
487
212
20
- -
- -
- -
20
34
31
48
201
58
98
125
118
118
LT Debt
1,228
1,293
1,370
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
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
1.14
1.85
2.89
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 Capital (%)
6.18
6.08
3.65
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
- -
Return on Common Equity (%)

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
- -
- -
- -
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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.