Caisse Regionale de Credit Agricole Mutuel d'Ille-et-Vilaine Cert.coop.d'invt.

CIV.PA

Banks - Regional · Financial Services

Exchange

Euronext Paris

Winston Score

Winston is worried

Below-average fundamentals — multiple weak pillars.

Data as of Aug 23, 2026 · filings through Dec 31, 2025

How the score breaks down

Growth

Weak

Valuation

Good

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Winston Score History

The full picture

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.

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

Insider Activity

45.0%ownership

↓ Declining

Insider ownership declining — could be dilution or selling

Cash Position

Cash flow positive

€21.0B 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.

Score breakdown

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Bank Quality

Not applicable for this business.

Growth

Sales growth

Sales YoY

-42.9%

Shrinking sales (-42.9% YoY)

Profit growth

EPS YoY

+1.3%

Flat earnings

Single-digit earnings growth — steady but not exciting.

How steady the profit is

EPS Consistency

3/8 quarters

Earnings rarely grow — volatile business

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Capital Strength

Not applicable for this business.

Asset Quality

Not applicable for this business.

Valuation

Price vs profit

P/E Ratio (TTM)

10.8x

no trend

Attractive valuation — P/E 10.8

P/E in the normal range. Price is roughly $15 for every $1 of yearly profit.

Cheaper or dearer next year

P/E vs Forward

N/A

not available

Data not available

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Dividends

Not applicable for this business.

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