Caisse Regionale de Credit Agricole Mutuel d'Ille-et-Vilaine Cert.coop.d'invt. (CIV.PA) Stock Analysis & Winston Score

Caisse régionale de Crédit Agricole Mutuel d'Ille-et-Vilaine is a regional cooperative bank based in the Ille-et-Vilaine department of Brittany, France. It offers everyday banking services like checking accounts, savings products, mortgages, insurance, and loans to individuals, farmers, and small businesses in its local area. It is part of the larger Crédit Agricole group, one of the biggest banking networks in France.

The bank earns money mainly through interest on loans and fees for banking and insurance services. Because it is a cooperative, its customers are also part-owners, which gives it a stable, community-focused customer base that is hard for outside competitors to pull away. It operates almost entirely within its home region, keeping it small with a market cap around $0.3 billion. The main risk it faces is exposure to the local economy and agriculture sector, meaning a downturn in Brittany's farming or housing markets could directly pressure its loan book and earnings.

Winston Score History

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

-10.8% YoY

YoY Growth Rate

Revenue declining

EPS Growth

+47.5% YoY

YoY Growth Rate

Strong earnings growth

R&D Spend

$0/ year

0.0% of revenue

Below sector average (7%)

Research and development spending

Insider Activity

45.0%ownership

↓ Declining

Insider ownership declining — could be dilution or selling

Cash Position

Cash flow positive

$108M cash & investments

Quarterly Free Cash Flow

↑ Burn rate improving

Company generates more cash than it spends — no dilution risk from fundraising

Revenue declining

Caisse Regionale de Credit Agricole Mutuel d'Ille-et-Vilaine Cert.coop.d'invt.'s revenue is actually shrinking. In a growth stock, that removes the core investment thesis. The low Winston Score here may be warranted — unless there's a turnaround story.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Share count broadly stable

−0.4% over 4y

The share count has stayed roughly flat over this period — little dilution or buyback activity.

Diluted shares outstanding: 6.0M (2021) → 6.0M (2025)

Score breakdown

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Quality

Gross Margin

29.2%

Modest — 29.2% gross margin

Operating Margin

-18.1%

Losing money on operations — -18.1%

ROCE

-0.6%

Weak — -0.6% return on capital

Negative ROIC means the business is losing money on every dollar invested in it.

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Growth

Sales YoY

+52.8%

Fast-growing sales (52.8% YoY)

EPS YoY

-3.5%

Earnings shrinking (-3.5% YoY)

Slight earnings drop. Typical near a cyclical low.

EPS Consistency

4/8 quarters

Earnings inconsistent quarter-to-quarter

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Cash Flow

Cash Conversion

76%

Modest — 76% of profit becomes cash

FCF Margin

4.2%

Thin free cash flow (4.2%)

FCF margin between 0% and 10%. Some cash from sales, but not a lot.

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Stability

Debt / Equity

4.47

Heavy debt load (4.47)

Interest Cover

0.42x

Dangerous — barely covers interest (0.4x)

Interest coverage below 1. Their profits don't cover the interest bill.

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Valuation

P/E Ratio (TTM)

5.2x

Attractive valuation — P/E 5.2

P/E under 10. The price tag is small relative to last year's profit.

P/E vs Forward

N/A

not available

Data not available

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Dividends

Dividend Yield

2.87%

Moderate income — 2.87% yield

Standard yield zone for stable dividend payers. A meaningful piece of total return.

Dividend Growth

+10.2%

Dividend growing fast (10.2% YoY)

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