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 de la Touraine et du Poitou Société Coopérative is a regional cooperative bank in France, operating as a caisse de crédit agricole mutuel since its creation on January 30, 1995. Headquartered in Poitiers, it specializes in other monetary intermediation activities under NAF/APE code 64.19Z, providing essential financial services such as home loans, savings accounts, credit cards, insurance products, and financing simulations to individuals, businesses, professionals, and associations. As part of the Crédit Agricole group, it maintains a widespread network of over 223 establishments, including 185 active branches across regions like Touraine and Poitou, supporting local communities in areas such as Amboise, Tours, and Chinon. Classified as a large enterprise with 1,000 to 1,999 employees in 2023, it holds ESS (Économie Sociale et Solidaire) status, promotes gender equality, and reports on greenhouse gas emissions. Authorized to issue Certificats Coopératifs d'Investissement (CCI), these non-voting securities entitle holders to a share of net assets and dividends, enhancing its role in regional cooperative finance. The bank plays a vital part in fostering economic solidarity and accessibility in rural and urban financial markets.
Revenue growth slowed to 1.9%, essentially flat. This is a business that needs a catalyst.
Free cash flow declined 238% versus the prior year, cash generation momentum has weakened. Negative free cash flow of -€140M. The business is consuming cash, not generating it.
Profitability & Returns
Revenue (TTM)
€302M
▲ +1.9% YoY
Net Income (TTM)
€82M
▲ +2.1% YoY
Op. Margin
—
ROIC
—
Cash Flow & Balance Sheet
FCF (TTM)
-€140M
▼ -237.8% YoY
Op. Cash Flow (TTM)
-€123M
▼ -211.7% YoY
Net Debt
€31M
Cash & Equiv.
€87M
3Y CAGR: -2.1%
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