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CRAV
Caisse régionale de Crédit Agricole Mutuel Atlantique Vendée – EPA
Weekly Share Price & Valuation Overview
Market Overview
Open
129.0000
Close
132.0000
High
133.0000
Low
129.0000
Trend
0.81044

Caisse régionale de Crédit Agricole Mutuel Atlantique Vendée

France • EPA - Euronext Paris • CRAV • Currency: EUR

Caisse régionale de Crédit Agricole Mutuel Atlantique Vendée provides banking products and services in France. It offers accounts and card services; real estate, personal, credit consolidation, student, work, housing transition, and vehicle loans; saving products; revolving credit; and life, home, car and 2-wheeler, health and welfare, leisure and daily, and borrower insurance products. The company also provides real estate investment, mobile payment, cash management, collection and payment, funding, trade and export financing, international solutions, financial engineering, and advisory services, as well as retirement saving solutions. It serves individuals, private banks, businesses, professionals, farmers, public community and social housing, and associations. The company was incorporated in 2001 and is headquartered in Nantes, France. Caisse régionale de Crédit Agricole Mutuel Atlantique Vendée is a subsidiary of Crédit Agricole S.A.

Key strengths
  • Healthy operating margin (≥15%) indicates efficient core operations.
  • Double-digit profit margin (≥10%) supports robust bottom-line economics.
Scale & Structure Core size and share structure. TTM values unless noted. “Estimated” where reconciled from per-share × shares. Revenue estimated from Revenue/share × Shares.
Market Cap Total equity value of the company (share price × shares outstanding).
EUR 995.72M
Enterprise Value Operating value: market cap + total debt − cash.
EUR 1.25B
Total Revenue (TTM) Estimated Sales over the last twelve months. May be estimated from revenue per share when inconsistent.
EUR 67.44M
Revenue per Share (TTM) Total revenue divided by shares outstanding (may be estimated).
EUR 55.98
EPS (TTM) Earnings per share over the last twelve months (may be estimated from net income ÷ shares).
10.92
Dividend Yield Annual dividend ÷ share price. Reconciled using dividend per share when available.
2.63%
Shares Outstanding
1.20M
Float Shares
1.21M
Implied Shares Outstanding
7.43M
Profitability & Efficiency TTM basis. “Reconciled” = numerator ÷ TTM revenue. Financials: EBITDA/Gross Profit may be hidden where not meaningful.
Operating Margin (TTM) Strong Operating income ÷ revenue over the last twelve months (reconciled when possible).
27.02%
Profit Margin (TTM) Solid Net income ÷ revenue over the last twelve months (reconciled when possible).
19.49%
ROA Return on assets: net income ÷ total assets.
0.25%
ROE Return on equity: net income ÷ shareholder equity.
2.01%
Growth Growth rates are YoY unless labeled QoQ.
Revenue Growth Year-over-year revenue growth.
0.90%
Earnings Growth (YoY) Year-over-year earnings growth.
-7.50%
Earnings Growth (QoQ) Quarter-over-quarter earnings growth.
-7.50%
Liquidity & Solvency Balance-sheet health. Debt metrics shown as latest ratios; D/E is a ratio (not %).
Total Cash Cash and equivalents.
EUR 460.63M
Total Debt Short + long-term interest-bearing debt.
EUR 722.84M
Net Debt Total debt − cash (negative = net cash).
EUR 262.22M
Sharemaestro House View
Confidence: 1 Sharemaestro internal conviction (0–3, higher is better). Risk: 3 Sharemaestro internal risk profile (0–3, higher is safer). Operational: 1 Operational quality/consistency (0–3, higher is better). Composite Score: 3 Overall internal composite (0–3, higher is better). Suggested Allocation: 5.00% Indicative portfolio weighting suggestion based on house view.
Structural Insights (experimental)
Ownership & Liquidity
Free Float Proportion of shares available for public trading.
Insiders Shares held by company insiders (officers, directors).
Institutions Shares held by institutions (funds, pensions). 3.3%
Capital Structure
Potential Dilution Increase in share count if options/convertibles exercise.
516.4%
Net Debt Total debt − cash (negative = net cash).
EUR 262.22M
388.8% of revenue Net debt relative to revenue — debt load vs business scale.
Resilience Score 0–100 composite of liquidity, leverage and cash conversion; higher is better. If inputs are unavailable, we estimate using proxies (Net debt vs revenue, Cash-to-Debt). It is a guide, not a rating. 32
Methodology Notes
  • Total Revenue (TTM) estimated from Revenue per Share × Shares due to feed inconsistency.
  • Gross Profit hidden for financial institutions (often redundant with revenue).
As of: 2025-08-18 03:50

Disclaimer: Information is compiled from publicly available sources and is subject to errors and omissions. It is provided as a guide only and does not constitute investment advice. Please do your own research.

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