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 Atlantique Vendée is a regional cooperative bank and one of the 39 regional branches of the Crédit Agricole Group, operating primarily in the Pays de la Loire region, covering Loire-Atlantique and Vendée departments. As a société coopérative à capital variable, it issues Certificats Coopératifs d'Investissement (CCI), cooperative investment certificates listed on Euronext Paris, providing investors with rights to a share of net assets and dividends without voting rights. The bank manages substantial assets, including €31.4 billion in deposits and €24.9 billion in loans as of end-2024, supported by a network of 75 local branches, 171-178 agencies, 296 ATMs, and 266 service points verts for basic banking in proximity commerce. It employs 2,285 staff and serves individuals, enterprises, professionals, associations, and local communities with core services such as real estate loans, savings accounts, payment cards, insurance, mortgages, and financial simulations. In 2023, it reported €409 million in revenue and €86.41 million in net profit, underscoring its stable regional banking role within France's cooperative financial sector. Headquartered in Nantes, the institution emphasizes community-oriented banking, fostering sociétaire participation with over 341,940 members historically.
Revenue growth slowed to 1.6%, essentially flat. This is a business that needs a catalyst.
Free cash flow declined 352% versus the prior year, cash generation momentum has weakened. Negative free cash flow of -€578M. The business is consuming cash, not generating it.
Profitability & Returns
Revenue (TTM)
€432M
▲ +1.6% YoY
Net Income (TTM)
€85M
▼ -0.1% YoY
Op. Margin
—
ROIC
—
Cash Flow & Balance Sheet
FCF (TTM)
-€578M
▼ -351.7% YoY
Op. Cash Flow (TTM)
-€105M
▼ -138.5% YoY
Net Debt
€231M
Cash & Equiv.
€87M
3Y CAGR: -4.3%
Continue Research