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Caisse Regionale de Credit Agricole Mutuel de Normandie Seine Cert.Coop.d'invt.

Caisse Regionale de Credit Agricole Mutuel de Normandie Seine Cert.Coop.d'invt.

150.50
EUR
-12.50
(-7.67%)
689.25MMarket Cap
Caisse Regionale de Credit Agricole Mutuel de Normandie Seine Cert.Coop.d'invt.
LSE:0O40
(London Stock Exchange)

Recent

price

150.50

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
60.82
62.67
58.19
66.84
67.27
66.48
61.59
60.11
57.11
56.38
54.64
60.23
57.46
56.43
58.36
59.48
- -
Revenue per Share
16.8
17.73
15.88
19.38
18.29
19.82
15.75
15.32
14.61
14.21
9.51
15.84
13.51
12.84
13
14.16
- -
Basic EPS, GAAP
0.93
1.27
5.34
11.28
1.98
24.74
75.49
33.53
32.62
31.65
121.39
129.11
-23.3
-135.46
5.48
-74.31
- -
Free Cash Flow per Basic Share
- -
- -
2.41
2.33
2.39
2.47
2.46
2.56
2.43
2.45
2.22
1.98
2.25
- -
- -
- -
- -
Dividend per Share
220.6
1,345.54
248.59
267.32
284.84
303.1
317.4
376.64
377.1
401.74
399.16
452.73
446.1
475.09
508.28
562.33
562.33
Book Value per Share
220.57
1,345.29
248.56
267.28
284.8
303.09
317.4
376.64
377.1
401.73
397.8
452.72
446.1
474.94
508.13
562.19
562.19
Tangible Book Value per Share
6
6
6
6
6
6
6
6
6
6
6
6
6
6
6
6
6
Basic Weighted Avg Shares
368
379
352
405
407
402
373
364
346
341
331
365
348
341
353
360
- -
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
37
9
8
9
10
10
10
11
13
15
17
17
18
20
21
21
- -
Depreciation Expense
102
107
96
117
111
120
95
93
88
86
58
96
82
78
79
86
- -
Net Income, GAAP
31.23
31.23
37.65
36.55
35.11
34.19
36.23
31.14
25.01
24.44
31.51
22.57
14.38
12.52
6.36
10.21
- -
Effective Tax Rate (%)
27.62
28.29
27.3
29
27.19
29.81
25.58
25.48
25.58
25.2
17.4
26.3
23.52
22.76
22.28
23.8
- -
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
6,807
152
527
407
372
177
208
1,239
1,154
1,019
1,241
1,614
706
1,332
1,057
1,129
1,129
LT Debt
1,336
1,411
1,505
1,618
1,724
1,835
1,921
2,279
2,283
2,432
2,416
2,740
2,699
2,875
3,076
3,400
3,400
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
2.16
2.21
5.35
5.78
5.37
5.84
4.6
3.28
2.54
2.5
1.62
2.39
2.11
2.04
1.89
1.98
- -
Return on Capital (%)
7.86
7.82
6.59
7.51
6.63
6.74
5.08
4.41
3.88
3.65
2.37
3.72
3.01
2.79
2.64
2.64
- -
Return on Common Equity (%)

Capital Structure

EUR

•

in mil. unless spec.
Mar'25
Jun'25
Dec'25
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
6
6
6
Market Capitalization
591
587
689

Working Capital

EUR

•

in mil. unless spec.
Mar'25
Jun'25
Dec'25
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
- -
64
81
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
6.54%
7.2%
10.55%
Free Cash Flow
-76.29%
-238.02%
-1,455.75%
Net Income, GAAP
-0.68%
11.39%
8.79%
Sales/Revenue/Turnover
-1.01%
1.81%
1.84%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

EUR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
- -
- -
- -
- -
341
2024
- -
- -
- -
- -
353
2025
- -
- -
- -
- -
360

Quarterly Earnings Per Share

EUR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
- -
- -
- -
- -
12.84
2024
- -
- -
- -
- -
13
2025
- -
- -
- -
- -
14.16

Quarterly Dividends Per Share

EUR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
- -
- -
- -
- -
- -
2024
- -
- -
- -
- -
- -
2025
- -
- -
- -
- -
- -
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Business
Caisse Régionale de Crédit Agricole Mutuel de Normandie-Seine Société coopérative (CCN.PA) operates as a regional cooperative bank and a member of the Crédit Agricole Group, providing a comprehensive range of retail banking, lending, and insurance products and services to individuals, professionals, farmers, associations, and companies primarily in the Normandy-Seine region of France. Its core offerings include savings and securities accounts; real estate loans, personal loans, student loans, credit consolidation, work loans, housing transition loans, creation and installation loans, and vehicle loans; debit and credit cards; mobile payment services; payment terminals; and funding products; as well as insurance covering home, car and two-wheeler, health, death, funeral, life accident, liability, legal protection, mobile, consumer credit and home borrower, association, employee, provident, and agricultural equipment and activity risks. The bank also engages in real estate investment, real estate leasing, and furniture leasing activities, supported by a network of branches emphasizing mutualist values through local community reinvestment and economic development initiatives. Founded in 2000 and headquartered at Chemin de la Breteque, 76230 Bois-Guillaume, France, the company maintains a strong local presence in Seine-Maritime and Eure departments, serving over 675,000 clients through approximately 130 points of sale and digital platforms. It targets private individuals, self-employed professionals, small and medium-sized enterprises, farmers, and associations with tailored solutions including current accounts, time deposits, housing savings plans, retirement savings, and consumer financing. In recent developments, the bank issued its 2024 Annual Financial Report in ESEF format and a corrected version in April 2025, alongside quarterly and semestral financial communications through July 2025, reflecting ongoing transparency in its capital and financing updates, including Pillar 3 disclosures and liquidity contract reviews. It released governance reports and auditor fee details in March 2025, detailed a share buyback program for Cooperative Investment Certificates post-AGM, and published semestral financial results for the first half of 2025 in July, underscoring stable operational performance amid routine strategic disclosures. While no major acquisitions, funding rounds, or partnerships specific to this entity were announced in 2024-2025, the broader Crédit Agricole Group pursued initiatives such as strategic alliances, though these remain distinct from regional operations.