Data sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.
Data sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.
Caisse Régionale de Crédit Agricole Mutuel Alpes Provence Société coopérative is a regional cooperative bank and member of the Crédit Agricole Group, operating primarily in the Alpes Provence region of France. As one of 13 institutions authorized to issue Certificats Coopératifs d'Investissement (CCI) listed on Euronext Paris, it provides a wide array of banking products and services tailored to individuals, professionals, businesses, and associations. These include bank accounts, savings plans, fixed-term deposits, credit and debit cards, mobile payments, consumer and mortgage loans, life insurance, retirement savings, real estate investments, and various insurance products such as home, auto, health, and legal protection. At the end of 2024, the bank managed €26 billion in deposits and €19.4 billion in outstanding loans, supported by a network of 70 local offices and 144 branches. Employing approximately 1,993 to 2,168 staff, it emphasizes regional economic development through retail banking activities, with 2023 revenues of €422 million and net income of €116 million. Headquartered in Aix-en-Provence, this cooperative structure underscores its commitment to mutual financial services in the banking sector.
Revenue declined 2.2% YoY. The question is whether this is cyclical or a structural shift.
Free cash flow declined 285% versus the prior year, cash generation momentum has weakened. Negative free cash flow of -€383M. The business is consuming cash, not generating it.
Profitability & Returns
Revenue (TTM)
€443M
▼ -2.2% YoY
Net Income (TTM)
€135M
▲ +1.1% YoY
Op. Margin
—
ROIC
—
Cash Flow & Balance Sheet
FCF (TTM)
-€383M
▼ -285.0% YoY
Op. Cash Flow (TTM)
-€377M
▼ -271.2% YoY
Net Debt
€195M
Cash & Equiv.
€139M
3Y CAGR: -0.6%
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