Caisse régionale de Crédit Agricole Mutuel d'Ille-et-Vilaine Société coopérative (EPA:CIV)

EPA:CIV Statistics

Total Valuation

EPA:CIV has a market cap or net worth of EUR 617.52 million.

Market Cap	617.52M
Enterprise Value	n/a

Important Dates

The next estimated earnings date is Thursday, October 30, 2025.

Earnings Date	Oct 30, 2025
Ex-Dividend Date	May 13, 2025

Share Statistics

EPA:CIV has 6.06 million shares outstanding. The number of shares has increased by 0.48% in one year.

Current Share Class	2.24M
Shares Outstanding	6.06M
Shares Change (YoY)	+0.48%
Shares Change (QoQ)	+0.38%
Owned by Insiders (%)	n/a
Owned by Institutions (%)	0.95%
Float	1.24M

Valuation Ratios

The trailing PE ratio is 10.16.

PE Ratio	10.16
Forward PE	n/a
PS Ratio	2.32
PB Ratio	0.24
P/TBV Ratio	0.24
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	n/a
EV / Sales	n/a
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	n/a

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	-7.31
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 2.49%.

Return on Equity (ROE)	2.49%
Return on Assets (ROA)	0.29%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	n/a
Profits Per Employee	n/a
Employee Count	1,527
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, EPA:CIV has paid 3.97 million in taxes.

Income Tax	3.97M
Effective Tax Rate	6.13%

Stock Price Statistics

The stock price has increased by +77.05% in the last 52 weeks. The beta is 1.02, so EPA:CIV's price volatility has been similar to the market average.

Beta (5Y)	1.02
52-Week Price Change	+77.05%
50-Day Moving Average	99.65
200-Day Moving Average	81.52
Relative Strength Index (RSI)	49.38
Average Volume (20 Days)	864

Short Selling Information

Short Interest	n/a
Short Previous Month	n/a
Short % of Shares Out	n/a
Short % of Float	n/a
Short Ratio (days to cover)	n/a

Income Statement

In the last 12 months, EPA:CIV had revenue of EUR 265.65 million and earned 60.76 million in profits. Earnings per share was 10.03.

Revenue	265.65M
Gross Profit	265.65M
Operating Income	64.73M
Pretax Income	64.73M
Net Income	60.76M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	10.03

Balance Sheet

The company has 480.92 million in cash and 295.17 million in debt, giving a net cash position of 185.75 million or 30.68 per share.

Cash & Cash Equivalents	480.92M
Total Debt	295.17M
Net Cash	185.75M
Net Cash Per Share	30.68
Equity (Book Value)	2.55B
Book Value Per Share	420.81
Working Capital	-17.67B

Cash Flow

In the last 12 months, operating cash flow was -29.03 million and capital expenditures -11.38 million, giving a free cash flow of -40.40 million.

Operating Cash Flow	-29.03M
Capital Expenditures	-11.38M
Free Cash Flow	-40.40M
FCF Per Share	-6.67

Margins

Gross Margin	n/a
Operating Margin	24.37%
Pretax Margin	24.37%
Profit Margin	22.87%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of 3.08, which amounts to a dividend yield of 3.02%.

Dividend Per Share	3.08
Dividend Yield	3.02%
Dividend Growth (YoY)	15.36%
Years of Dividend Growth	3
Payout Ratio	23.31%
Buyback Yield	-0.48%
Shareholder Yield	2.54%
Earnings Yield	9.84%
FCF Yield	-6.54%

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

This stock does not have any record of stock splits.

Last Split Date	n/a
Split Type	n/a
Split Ratio	n/a

Scores

Altman Z-Score	n/a
Piotroski F-Score	2