Caisse Regionale de Credit Agricole Mutuel de Normandie Seine (CCN.PA) Stock Analysis & Winston Score

Caisse Régionale de Crédit Agricole Mutuel de Normandie-Seine is a regional cooperative bank based in northern France, serving the Normandy and Seine area. It offers everyday banking services like savings accounts, loans, mortgages, and insurance to 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 through interest on loans and fees for banking and insurance 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. Its cooperative structure and deep ties to local agricultural and rural communities give it a stable customer base, but its very low return on invested capital of 0.3% signals thin profitability, and rising interest rates or a slowdown in regional economic activity could put further pressure on 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

+195.4% YoY

YoY Growth Rate

Revenue accelerating

EPS Growth

+30.3% YoY

YoY Growth Rate

EPS growth accelerating

R&D Spend

$0/ year

0.0% of revenue

Below sector average (7%)

Research and development spending

Insider Activity

0.5%ownership

→ Flat

Insiders holding steady — not selling despite ability to

Cash Runway

~2 months

$67M cash & investments

Quarterly Free Cash Flow

↓ Burn rate worsening

Short runway — potential dilution ahead through share issuance

Revenue accelerating

Caisse Regionale de Credit Agricole Mutuel de Normandie Seine grew revenue 195% year-over-year and the growth rate is speeding up. That's the kind of momentum growth investors look for — the question is whether margins can follow.

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

+0.0% over 4y

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

Diluted shares outstanding: 6.1M (2021) → 6.1M (2025)

Score breakdown

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Quality

Gross Margin

41.3%

Healthy — 41.3% gross margin

Operating Margin

-28.5%

Losing money on operations — -28.5%

ROCE

-0.8%

Weak — -0.8% return on capital

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

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Growth

Sales YoY

-10.3%

Shrinking sales (-10.3% YoY)

EPS YoY

+3.0%

Modest earnings growth (3.0% YoY)

Single-digit earnings growth — steady but not exciting.

EPS Consistency

6/8 quarters

Earnings grew in most of the last 8 quarters

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Cash Flow

Cash Conversion

-23%

Weak — only -23% of profit becomes cash

FCF Margin

-8.9%

Burning cash (-8.9%)

Free cash flow is negative. They are burning cash, not generating it.

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Stability

Debt / Equity

3.62

Heavy debt load (3.62)

Interest Cover

100.00x

Comfortably covers interest (100.0x)

Interest coverage above 8. Profits cover interest many times over.

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Valuation

P/E Ratio (TTM)

5.9x

Attractive valuation — P/E 5.9

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

2.05%

Moderate income — 2.05% yield

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

Dividend Growth

-15.7%

Dividend cut (-15.7% YoY) — warning sign

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