Caisse Regionale de Credit Agricole Mutuel de la Touraine et du Poitou Cert.Coop.d'Invt.

CRTO.PA

Banks - Regional · Financial Services

Price

€145.94

+3.96 (+2.79%)

Market Cap

€146.0M

Exchange

Euronext Paris

Winston Score

Winston is curious

Mixed quality — meaningful strengths and weaknesses.

Share count rising — dilution

+15.3% over 4y

The company has issued more shares over this period, which dilutes each existing shareholder’s stake.

Diluted shares outstanding: 6.3M (2021) → 7.3M (2025)

Caisse Régionale de Crédit Agricole Mutuel de La Touraine et du Poitou is a regional cooperative bank based in central France, serving the Touraine and Poitou areas. It offers everyday banking services like savings accounts, loans, mortgages, and insurance to local individuals, farmers, and small businesses. It is part of the larger Crédit Agricole group, one of the biggest banking networks in France.

The bank earns money mainly from interest on loans and fees for banking services. It operates exclusively in its defined regional territory in France, making it a small, locally focused institution with a market cap of around $0.2 billion. Being a cooperative means customers can also be members, which builds loyalty, but the bank's tight geographic focus and low returns on capital leave it exposed to any slowdown in the local French economy or rising loan defaults in its region.

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

-26.5% YoY

YoY Growth Rate

Revenue declining

EPS Growth

-56.7% YoY

YoY Growth Rate

Earnings declining

R&D Spend

$0/ year

0.0% of revenue

Below sector average (7%)

Research and development spending

Insider Activity

6.9%ownership

→ Flat

Insiders holding steady — not selling despite ability to

Cash Runway

~4 months

$87M cash & investments

Quarterly Free Cash Flow

↓ Burn rate worsening

Short runway — potential dilution ahead through share issuance

Cash watch

Caisse Regionale de Credit Agricole Mutuel de la Touraine et du Poitou Cert.Coop.d'Invt. has less than a year of cash at its current burn rate. Growth investors should watch for potential share dilution from future fundraising — that directly reduces your ownership.

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.

Score breakdown

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Quality

Gross Margin

119.8%

Premium pricing power — 119.8% gross margin

Operating Margin

9.0%

Modest — 9.0% operating margin

ROCE

0.7%

Weak — 0.7% return on capital

ROIC between 0% and 5%. They earn a few cents back per dollar invested in the business.

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Growth

Sales YoY

+35.6%

Fast-growing sales (35.6% YoY)

EPS YoY

-26.1%

Earnings shrinking (-26.1% YoY)

Earnings per share down more than 10%. Either a bad year, or a real decline.

EPS Consistency

2/8 quarters

Earnings rarely grow — volatile business

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Cash Flow

Cash Conversion

87%

Modest — 87% of profit becomes cash

FCF Margin

9.4%

Modest free cash flow (9.4%)

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

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Stability

Debt / Equity

0.04

Conservative — low debt load (0.04)

Interest Cover

0.23x

Dangerous — barely covers interest (0.2x)

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

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Valuation

P/E Ratio (TTM)

6.0x

Attractive valuation — P/E 6.0

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

2.37%

Moderate income — 2.37% yield

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

Dividend Growth

+6.0%

Dividend growing modestly (6.0% YoY)

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