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Caisse Reg Cred Agric Mut Tourain Poitou (CRTO) fair value: what the stock is really worth

As of Nov 13, 2026: fair value (intrinsic value) of Caisse Reg Cred Agric Mut Tourain Poitou stock €153, price €106, upside +44.9%, quality 42 out of 100. Rating: undervalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.

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Financial Services FR · ISIN FR0000045304

CR Caisse Reg Cred Agric Mut Tourain Poitou logo Broad data Nov 13, 2026

Caisse Reg Cred Agric Mut Tourain Poitou

CRTO · PA

Cheap (31% below fair value), but weak company and price moving sideways: meets 1 of 3 rules.

Get notified free when this changes
Fair value €152.90 · Undervalued 
Highly profitable · 27.0% net margin (TTM) 
3.2% dividend yield · Low payout
Broad data 
Costs just 9 times its yearly profit. 
Quality 42/100 
Price moving sideways (no uptrend) 
Expensive Growth (revenue 5y +20.5 %/yr in EUR) 
Mixed vs. peers (7/13) 
Moderate moat 60/100 · thin data
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

€159.94 €46.65 Fair Value €152.90 Sep 2021 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 13, 2026.

How to read this chart

60‑month range €46.65 – €159.94 · fair‑value band €114.67 – €191.12 · the €105.50 price screens below the €152.90 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 13, 2026.

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Company profile

Caisse Régionale de Crédit Agricole Mutuel de La Touraine et du Poitou Société Coopérative provides various banking products and services in France.

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The company offers savings accounts and fixed term deposits; life insurance; stock market and financial investments; responsible investment; and retirement savings.

It also provides home, car and motorcycle, health and life, leisure and everyday, borrowers, professional activity, business premises, commercial vehicle, agricultural building, agricultural equipment, agricultural business, association, and employee insurance products; mortgage loans; consumer credit, including personal, student, debit consolidation loans, as well as revolving credit; home improvement and housing transition loans, and eco PTZ; and auto loan, mobility transition loan, LLD/LOA agilauto, ready 2 wheels, and recreation vehicle loans.

In addition, the company offers treasury, creation and installation, medium-term loans, leasing, and commercial vehicles; cash investments, retirement savings, employee savings, and responsible investments; leasing financing; project and development funding; and operating cycle, equipment and real estate, market guarantees and sureties, capital strengthening, and energy transition; support solutions, hedging against foreign exchange risk, trade finance, and export financing; and financial engineering services.

Further, it provides local authority investments, social housing investments, local government treasury, and social housing treasury; and public authority insurance. It serves individuals, professionals, businesses, farmers, associations, and local authorities.

The company was incorporated in 1995 and is headquartered in Poitiers, France.

Stock analysis

Caisse Reg Cred Agric Mut Tourain Poitou (CRTO) currently trades at €105.50, while our model-based Fair Value estimate is €152.90, implying the stock looks roughly 31% undervalued today.

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Valuation

Bull case: the Asset-Based group reads highest at a median of €334.59 per share, and 4 of the 6 models we run sit above the €105.50 price.

Bear case: the Dividend Discount group reads lowest at €69.15, and 2 of the 6 models stay below the price. Data coverage for this calculation is high.

Scenario range: €114.67 (bear) to €191.12 (bull), the price of €105.50 sits below it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 42/100 (below-average quality), in the Financial Services sector.

Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.

Caisse Reg Cred Agric Mut Tourain Poitou reported revenue of €619M in FY2025 versus €460M in FY2021, a compound +7.7%/yr. Reported net income was €82.2M in FY2025, compounding +3.2%/yr from FY2021.

Key figures

Market cap €659M Small · P/E ratio 9.0 · P/S ratio 2.30 · EPS (TTM) €11.83 · Dividend yield 3.2% · Net margin 27.0% · Return on equity 2.8% · Return on assets (EBIT) 0.6% (5-year average).

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 60 out of 100 (low confidence).

What moves the price

The share trades about 34% below its 52-week high and 8% above its 52-week low, currently below its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −31% fair-value upside, at 45%, CRTO screens cheaper than that median.

Fair Value models

Bear €114.67 Fair Value €152.90 Bull €191.12
Price €105.50 · Upside +44.9%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then (€7.34 per share) are deliberately not added. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Best data coverage
Residual Income €321.87 €325.32 €344.92 76
Gordon GGM €41.34 €76.98 €111.08 67
DDM Multi-Stage €41.34 €61.32 €80.66 67
All 6 models by family
Dividend Discount
Gordon GGM €41.34 €76.98 €111.08 67
DDM Multi-Stage €41.34 €61.32 €80.66 67
Multiples
P/E Multiple €128.35 €171.14 €213.92 63
P/B Multiple €100.99 €134.65 €168.31 55
Asset-Based
NCAV (Graham) €249.70 €334.59 €499.39 54
Economic Profit
Residual Income €321.87 €325.32 €344.92 76

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Quality Score breakdown

Overall quality 42/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 21
How much profit the company makes from its sales and capital
Quality Growth 42
Are margins and returns getting better?
Cashflow 0
Do the profits arrive as real cash?
Financial strength 2
Debt, balance sheet and risk of trouble
Investment 84
Does it invest with discipline instead of growing at any price?
Low Volatility 78
How calm the share price moves, does not count
Price momentum 16
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 19
Distance to the 52-week high, does not count
New shares 92
Buys back shares or issues new ones?

Open the full quality analysis →

Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 62/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
+108.5%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+6.7%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+20.5%
Start year 2020 (pandemic). Over 10 years: +7.7% a year
Revenue growth 25 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
−5.7%
What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
+2.9%
Earnings growth per share plus dividend.
Earnings per share, growth per year−0.3%
Dividend (yield on the price)3.2%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.−0.3% vs −0.3%, steady
Profit margin 2019 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.36% → 15%
Pace: the 5-year rate starts in 2020 (pandemic)

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 998 stocks

Beats the industry median on 7/13 measures
A mixed picture versus its industry peers.
Valuation
Quality Score 42 · Bottom 25%
Fair Value upside +44.9% · Top 25%
Profitability
Return on equity (12 months) 2.8% · Bottom 25%
Return on assets 0.5% · Bottom 25%
Net margin (12 months) 27.0% · Below median
Operating margin (12 months) 40.1% · Below median
Growth and dividend
Revenue growth (quarter YoY) 4.4% · Below median
Dividend yield (12 months) 3.2% · Above median
Balance sheet
Debt / equity 0.01× · Lowest 25%

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (12 months) 9.0× · Cheaper than median
P/B 0.23× · Cheapest 25%
P/S (12 months) 2.30× · Cheapest 25%
EV/EBITDA 6.7× · Cheaper than median

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)93 · sector 9
FUTURE (revenue growth)22 · sector 47
PAST (return on equity)11 · sector 43
HEALTH (low debt)–
DIVIDEND (yield)64 · sector 52

HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
Postal Savings Bank of China Co 601658 ¥5.69 ¥7.59 +33% vs CRTO
China Merchants Bank Co 600036 ¥42.93 ¥52.73 +23% vs CRTO
BNP Paribas SA BNP €95.57 €107.43 +12% vs CRTO
Intesa Sanpaolo S.p.A ISP €6.26 €4.91 −22% vs CRTO
UniCredit S.p.A UCG €83.68 €58.08 −31% vs CRTO
Oversea-Chinese Banking Corporation O39 28.53 SGD 18.20 SGD −36% vs CRTO
Mizuho Financial Group MFG $10.12 $5.87 −42% vs CRTO
DBS Group D05 69.90 SGD 40.39 SGD −42% vs CRTO
HDFC Bank Limited HDFCBANK ₹804.00 ₹406.39 −49% vs CRTO
ICICI Bank Limited ICICIBANK ₹1,584 ₹615.63 −61% vs CRTO

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Caisse Reg Cred Agric Mut Tourain Poitou: fair value per Fair Value Calculator

Cite: Fair Value Calculator (2026). "Caisse Reg Cred Agric Mut Tourain Poitou Fair Value". https://www.fairvalue-calculator.com/stock/CRTO.PA

Frequently asked questions

Is Caisse Reg Cred Agric Mut Tourain Poitou (CRTO) overvalued or undervalued?
As of Nov 13, 2026, our model estimates a fair value of €152.90 versus a price of €105.50, about +45% upside (undervalued).
What is the fair value of CRTO?
Our model-based fair value for Caisse Reg Cred Agric Mut Tourain Poitou is €152.90 (as of Nov 13, 2026), built from audited fundamentals. The current price: €105.50.
What is the quality score of CRTO?
Caisse Reg Cred Agric Mut Tourain Poitou has a Quality Score of 42/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Caisse Reg Cred Agric Mut Tourain Poitou (CRTO)?
Our model-based price target is the fair value of €152.90 (as of Nov 13, 2026) from 6 valuation models. Cautious scenario €114.67, optimistic scenario €191.12. It is a calculation from audited fundamentals, not an analyst target.
What is the Caisse Reg Cred Agric Mut Tourain Poitou stock forecast for 2026?
Our models put fair value at €152.90, about +45% upside versus a price of €105.50 (undervalued). Cautious scenario €114.67, optimistic scenario €191.12. The calculation is refreshed regularly with new filings.
What is the revenue of Caisse Reg Cred Agric Mut Tourain Poitou (CRTO)?
Caisse Reg Cred Agric Mut Tourain Poitou reported trailing-twelve-month revenue of about €316M (latest available figure, as of Nov 13, 2026).
Does Caisse Reg Cred Agric Mut Tourain Poitou pay a dividend?
Caisse Reg Cred Agric Mut Tourain Poitou currently shows a dividend yield of 3.22% relative to its recent price (as of Nov 13, 2026).
How much is the dividend of Caisse Reg Cred Agric Mut Tourain Poitou (CRTO) and when is the ex-dividend date?
Caisse Reg Cred Agric Mut Tourain Poitou pays a dividend of €3.40 per share a year, a dividend yield of 3.2%. The last ex-dividend date was May 19, 2026. A dividend has been paid every year since at least 2000. The payout ratio is 28.7% of earnings. Our assessment: Low payout. A low payout ratio: the dividend takes at most 60 % of earnings. Whether free cash flow covers it as well, we cannot see for this company.
What is the intrinsic value of Caisse Reg Cred Agric Mut Tourain Poitou (CRTO)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Caisse Reg Cred Agric Mut Tourain Poitou it is €152.90 per share (as of Nov 13, 2026), against a price of €105.50. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is Caisse Reg Cred Agric Mut Tourain Poitou stock overvalued or undervalued in 2026?
As of Nov 13, 2026, CRTO trades below its calculated fair value: price €105.50, fair value €152.90, a gap of about +45% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of CRTO?
No. The price is what the market pays today (€105.50); the fair value is what the company's own numbers justify (€152.90). For Caisse Reg Cred Agric Mut Tourain Poitou the two are €47.40 per share apart. That gap is exactly why we show both numbers side by side.
How much is Caisse Reg Cred Agric Mut Tourain Poitou worth?
The market values Caisse Reg Cred Agric Mut Tourain Poitou at about €659M (market capitalisation, as of Nov 13, 2026). Per share that is €105.50; our models calculate a fair value of €152.90 per share.
What do the bullish and bearish scenarios say about CRTO?
Our models span a range for Caisse Reg Cred Agric Mut Tourain Poitou: cautious scenario €114.67, base €152.90, optimistic €191.12 per share (as of Nov 13, 2026, price €105.50). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of CRTO?
Caisse Reg Cred Agric Mut Tourain Poitou trades at a price-to-earnings ratio of 9.0 (as of Nov 13, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of €152.90 is built from several models across several years. Median P/E at fiscal year-end, 10 fiscal years (2016 to 2025), reported earnings: 8.1. Other multiples: P/B 0.2, P/S 2.3, EV/EBITDA 6.7.
How solid is the balance sheet of Caisse Reg Cred Agric Mut Tourain Poitou (CRTO)?
Balance-sheet figures for Caisse Reg Cred Agric Mut Tourain Poitou (as of Nov 13, 2026): return on equity 2.8%, debt of 0.01 per unit of equity. They feed the Quality Score of 42/100, which measures business quality independently of the share price.
How far is CRTO from its 52-week high?
Caisse Reg Cred Agric Mut Tourain Poitou trades at €105.50, about 34% below its 52-week high of €159.94 and 8% above the low of €97.93 (as of Nov 13, 2026). Distance from the high says nothing about value: that is what the fair value of €152.90 is for.
Which stocks are comparable to Caisse Reg Cred Agric Mut Tourain Poitou?
From the same area (Financial Services) we also value China Merchants Bank Co, DBS Group, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Caisse Reg Cred Agric Mut Tourain Poitou stock attractive at the current price?
The data as of Nov 13, 2026: price €105.50, calculated fair value €152.90 (+45%), Quality Score 42/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of CRTO calculated?
We run Caisse Reg Cred Agric Mut Tourain Poitou through 6 models from 4 families: Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of €152.90 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.0% above its aggregate fair value. Caisse Reg Cred Agric Mut Tourain Poitou currently trades 31% below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Caisse Reg Cred Agric Mut Tourain Poitou (CRTO)?
The closing price on Nov 13, 2026 was €105.50. Our model-based fair value is €152.90, about +45% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Caisse Reg Cred Agric Mut Tourain Poitou right now?
The large discount to fair value meets weak quality (42/100). That raises the risk this is a value trap rather than a bargain. The price is below even our cautious bear case (€114.67). The market is more pessimistic than our downside scenario. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Where does the earnings growth of Caisse Reg Cred Agric Mut Tourain Poitou (CRTO) come from?
Earnings per share at Caisse Reg Cred Agric Mut Tourain Poitou grew +0.9 % a year from 2014 to 2025. Broken into its drivers: revenue per share +3.1 %, EBIT margin −5.7 %, tax rate +3.6 %, residual (interest, one-offs) +0.1 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.

Key figures of Caisse Reg Cred Agric Mut Tourain Poitou

How large is the market capitalisation of Caisse Reg Cred Agric Mut Tourain Poitou (CRTO)?
The market capitalisation of Caisse Reg Cred Agric Mut Tourain Poitou is €659M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Caisse Reg Cred Agric Mut Tourain Poitou (CRTO)?
The price-to-sales ratio of Caisse Reg Cred Agric Mut Tourain Poitou is 2.30 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Caisse Reg Cred Agric Mut Tourain Poitou (CRTO)?
Earnings per share at Caisse Reg Cred Agric Mut Tourain Poitou are €11.83 (price ÷ EPS = P/E 9.0). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Caisse Reg Cred Agric Mut Tourain Poitou (CRTO)?
The dividend yield of Caisse Reg Cred Agric Mut Tourain Poitou is 3.2% (payout 28.7%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Caisse Reg Cred Agric Mut Tourain Poitou (CRTO)?
The net margin of Caisse Reg Cred Agric Mut Tourain Poitou is 27.0% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Caisse Reg Cred Agric Mut Tourain Poitou (CRTO)?
The return on equity (ROE) of Caisse Reg Cred Agric Mut Tourain Poitou is 2.8% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Caisse Reg Cred Agric Mut Tourain Poitou (CRTO)?
On an EBIT basis the return on assets of Caisse Reg Cred Agric Mut Tourain Poitou is 0.6% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Caisse Reg Cred Agric Mut Tourain Poitou (CRTO)?
The operating margin of Caisse Reg Cred Agric Mut Tourain Poitou is 40.1% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Caisse Reg Cred Agric Mut Tourain Poitou (CRTO)?
Revenue at Caisse Reg Cred Agric Mut Tourain Poitou is growing +4.4% versus a year earlier (3y avg +6.7%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Caisse Reg Cred Agric Mut Tourain Poitou (CRTO)?
Earnings per share at Caisse Reg Cred Agric Mut Tourain Poitou are growing +4.8% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Caisse Reg Cred Agric Mut Tourain Poitou (CRTO) generate?
The free cash flow of Caisse Reg Cred Agric Mut Tourain Poitou is −€140M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Caisse Reg Cred Agric Mut Tourain Poitou (CRTO) carry?
The net debt of Caisse Reg Cred Agric Mut Tourain Poitou is €31.1M (fiscal year 2025). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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