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

CRTO.PA

Banks - Regional · Financial Services

Exchange

Euronext Paris

Winston Score

Winston is curious

Mixed quality — meaningful strengths and weaknesses.

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

How the score breaks down

Growth

Good

Valuation

Good

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Winston Score History

The full picture

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.

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

-19.0% YoY

YoY Growth Rate

Revenue declining

EPS Growth

+22.5% YoY

YoY Growth Rate

Steady EPS growth

Insider Activity

6.9%ownership

→ Flat

Insider ownership roughly steady over the past year

Cash Runway

5+ years

Quarterly Free Cash Flow

↓ Burn rate worsening

€13.9B cash & investments at current burn rate

Revenue declining

Caisse Regionale de Credit Agricole Mutuel de la Touraine et du Poitou 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

Every number that matters to educated investors.

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Bank Quality

Not applicable for this business.

Growth

Sales growth

Sales YoY

+23.5%

Fast-growing sales (+23.5% YoY)

Profit growth

EPS YoY

+2.4%

Flat earnings

Single-digit earnings growth — steady but not exciting.

How steady the profit is

EPS Consistency

5/8 quarters

Mixed — about half the quarters showed growth

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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)

10.3x

no trend

Attractive valuation — P/E 10.3

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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