Ca Toulouse 31 CCI (CAT31) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of Ca Toulouse 31 CCI stock €164, price €99.32, upside +65.1%, quality 56 out of 100. Rating: strongly undervalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 7, 2026.
How to read this chart
60‑month range €49.94 – €153.84 · fair‑value band €122.96 – €204.94 · the €99.32 price screens below the €163.95 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 7, 2026.
Follow Ca Toulouse 31 CCI in your weekly email
Every Wednesday you see whether Ca Toulouse 31 CCI is on track or worth a review, plus price against fair value. Free, up to 3 stocks.
We send you a confirmation link. Unsubscribe with one click.
Caisse Regionale de Credit Agricole Mutuel Toulouse 31 operates as a cooperative bank in France.
Show moreShow less
It provides bank accounts and cards; savings products, including real estate investments, stock market and financial investments, and retirement savings solutions; home, car and motorcycle, health and life, leisure and everyday, and borrower's insurance; mortgage and vehicle loans; and consumer and work credits.
It also offers agricultural building, equipment, and business insurance for farmers; and financial engineering, day-to-day management, funding services, hedging against foreign exchange risk, trade finance, and export financing services for business.
The company was incorporated in 1992 and is headquartered in Toulouse, France.
Stock analysis
Ca Toulouse 31 CCI (CAT31) currently trades at €99.32, while our model-based Fair Value estimate is €163.95, implying the stock looks roughly 39% undervalued today.
Show more
Valuation
Bull case: the Asset-Based group reads highest at a median of €334.43 per share, and 4 of the 6 models we run sit above the €99.32 price.
Bear case: the Dividend Discount group reads lowest at €41.79, and 2 of the 6 models stay below the price. Data coverage for this calculation is high.
Scenario range: €122.96 (bear) to €204.94 (bull), the price of €99.32 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 56/100 (solid quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Ca Toulouse 31 CCI reported revenue of €652M in FY2025 versus €264M in FY2021, a compound +25.3%/yr. Reported net income was €70.5M in FY2025, compounding +0.2%/yr from FY2021.
Key figures
Market cap €447M Small · P/E ratio 6.5 · P/S ratio 1.76 · EPS (TTM) €15.18 · Dividend yield 4.5% · Net margin 29.3% · Return on equity 3.7% · Return on assets (EBIT) 0.5% (5-year average).
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 62 out of 100 (low confidence).
What moves the price
The share trades about 35% below its 52-week high and 3% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at 65%, CAT31 screens cheaper than that median.
Fair Value models
Bear€122.96Fair Value €163.95Bull€204.94
Price €99.32 · Upside +65.1%
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 (€9.21 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.
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.95/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+145.5%
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.
+36.8%
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.
+23.1%
Start year 2020 (pandemic). Over 10 years: +9.0% 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.
−4.7%
’14
’15
’16
’17
’18
’19
’20
’21
’22
’23
’24
’25
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.
+6.5%
Earnings growth per share plus dividend.
Earnings per share, growth per year+2.0%
Dividend (yield on the price)4.5%
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.2.0% vs −0.1%, steady
Profit margin 2020 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.24% → 13%
Price, fair value, quality and upside side by side.
Free, no sign-up
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 · 996 stocks
Beats the industry median on 10/14 measures
Overall it ranks above its industry peers.
Valuation
Quality Score56 · Above median
Fair Value upside+65.1% · Top 25%
Profitability
Return on equity (12 months)3.7% · Bottom 25%
Return on assets0.4% · Bottom 25%
Net margin (12 months)29.3% · Below median
Operating margin (12 months)39.8% · Below median
Growth and dividend
Revenue growth (quarter YoY)17.5% · Above median
Dividend yield (12 months)4.5% · Top 25%
Balance sheet
Debt / equity0.02× · Lowest 25%
Valuation Multiplesvs Banks - Regional median · lower = cheaper
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "Ca Toulouse 31 CCI Fair Value". https://www.fairvalue-calculator.com/stock/CAT31
Frequently asked questions
Is Ca Toulouse 31 CCI (CAT31) overvalued or undervalued?
As of Nov 7, 2026, our model estimates a fair value of €163.95 versus a price of €99.32, about +65% upside (undervalued).
What is the fair value of CAT31?
Our model-based fair value for Ca Toulouse 31 CCI is €163.95 (as of Nov 7, 2026), built from audited fundamentals. The current price: €99.32.
What is the quality score of CAT31?
Ca Toulouse 31 CCI has a Quality Score of 56/100. 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 Ca Toulouse 31 CCI (CAT31)?
Our model-based price target is the fair value of €163.95 (as of Nov 7, 2026) from 6 valuation models. Cautious scenario €122.96, optimistic scenario €204.94. It is a calculation from audited fundamentals, not an analyst target.
What is the Ca Toulouse 31 CCI stock forecast for 2026?
Our models put fair value at €163.95, about +65% upside versus a price of €99.32 (undervalued). Cautious scenario €122.96, optimistic scenario €204.94. The calculation is refreshed regularly with new filings.
What is the revenue of Ca Toulouse 31 CCI (CAT31)?
Ca Toulouse 31 CCI reported trailing-twelve-month revenue of about €284M (latest available figure, as of Nov 7, 2026).
Does Ca Toulouse 31 CCI pay a dividend?
Ca Toulouse 31 CCI currently shows a dividend yield of 4.47% relative to its recent price (as of Nov 7, 2026).
How much is the dividend of Ca Toulouse 31 CCI (CAT31) and when is the ex-dividend date?
Ca Toulouse 31 CCI pays a dividend of €4.44 per share a year, a dividend yield of 4.5%. The last ex-dividend date was Apr 16, 2026. A dividend has been paid every year since at least 2000. The payout ratio is 29.2% 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 Ca Toulouse 31 CCI (CAT31)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Ca Toulouse 31 CCI it is €163.95 per share (as of Nov 7, 2026), against a price of €99.32. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is Ca Toulouse 31 CCI stock overvalued or undervalued in 2026?
As of Nov 7, 2026, CAT31 trades below its calculated fair value: price €99.32, fair value €163.95, a gap of about +65% (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 CAT31?
No. The price is what the market pays today (€99.32); the fair value is what the company's own numbers justify (€163.95). For Ca Toulouse 31 CCI the two are €64.63 per share apart. That gap is exactly why we show both numbers side by side.
How much is Ca Toulouse 31 CCI worth?
The market values Ca Toulouse 31 CCI at about €447M (market capitalisation, as of Nov 7, 2026). Per share that is €99.32; our models calculate a fair value of €163.95 per share.
What do the bullish and bearish scenarios say about CAT31?
Our models span a range for Ca Toulouse 31 CCI: cautious scenario €122.96, base €163.95, optimistic €204.94 per share (as of Nov 7, 2026, price €99.32). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of CAT31?
Ca Toulouse 31 CCI trades at a price-to-earnings ratio of 6.5 (as of Nov 7, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of €163.95 is built from several models across several years. Median P/E at fiscal year-end, 10 fiscal years (2016 to 2025), reported earnings: 6.3. Other multiples: P/B 0.2, P/S 1.8, EV/EBITDA 5.5.
How solid is the balance sheet of Ca Toulouse 31 CCI (CAT31)?
Balance-sheet figures for Ca Toulouse 31 CCI (as of Nov 7, 2026): return on equity 3.7%, debt of 0.02 per unit of equity. They feed the Quality Score of 56/100, which measures business quality independently of the share price.
How far is CAT31 from its 52-week high?
Ca Toulouse 31 CCI trades at €99.32, about 35% below its 52-week high of €153.84 and 3% above the low of €96.00 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of €163.95 is for.
Which stocks are comparable to Ca Toulouse 31 CCI?
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 Ca Toulouse 31 CCI stock attractive at the current price?
The data as of Nov 7, 2026: price €99.32, calculated fair value €163.95 (+65%), Quality Score 56/100, 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 CAT31 calculated?
We run Ca Toulouse 31 CCI through 6 models from 4 families: Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of €163.95 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 13.3% above its aggregate fair value. Ca Toulouse 31 CCI currently trades 39% 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 Ca Toulouse 31 CCI (CAT31)?
The closing price on Nov 6, 2026 was €99.32. Our model-based fair value is €163.95, about +65% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Ca Toulouse 31 CCI right now?
The price is below even our cautious bear case (€122.96). The market is more pessimistic than our downside scenario. Solid quality (56/100) at a price below fair value, the discount is the argument here, not the business quality. 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 Ca Toulouse 31 CCI (CAT31) come from?
Earnings per share at Ca Toulouse 31 CCI grew −1.9 % a year from 2014 to 2025. Broken into its drivers: revenue per share +4.2 %, EBIT margin −16.0 %, tax rate +3.1 %, residual (interest, one-offs) +8.7 %. 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 Ca Toulouse 31 CCI
How large is the market capitalisation of Ca Toulouse 31 CCI (CAT31)?
The market capitalisation of Ca Toulouse 31 CCI is €447M. 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 Ca Toulouse 31 CCI (CAT31)?
The price-to-sales ratio of Ca Toulouse 31 CCI is 1.76 (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 Ca Toulouse 31 CCI (CAT31)?
Earnings per share at Ca Toulouse 31 CCI are €15.18 (price ÷ EPS = P/E 6.5). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Ca Toulouse 31 CCI (CAT31)?
The dividend yield of Ca Toulouse 31 CCI is 4.5% (payout 29.2%). 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 Ca Toulouse 31 CCI (CAT31)?
The net margin of Ca Toulouse 31 CCI is 29.3% (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 Ca Toulouse 31 CCI (CAT31)?
The return on equity (ROE) of Ca Toulouse 31 CCI is 3.7% (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 Ca Toulouse 31 CCI (CAT31)?
On an EBIT basis the return on assets of Ca Toulouse 31 CCI is 0.5% (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 Ca Toulouse 31 CCI (CAT31)?
The operating margin of Ca Toulouse 31 CCI is 39.8% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Ca Toulouse 31 CCI (CAT31)?
Revenue at Ca Toulouse 31 CCI is growing +17.5% versus a year earlier (3y avg +36.8%). 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 Ca Toulouse 31 CCI (CAT31)?
Earnings per share at Ca Toulouse 31 CCI are growing −9.6% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Ca Toulouse 31 CCI (CAT31) generate?
The free cash flow of Ca Toulouse 31 CCI is €158M (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 Ca Toulouse 31 CCI (CAT31) carry?
The net debt of Ca Toulouse 31 CCI is €8.3B (fiscal year 2025, ≈ 52.3 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
Free · no account needed
Watch Ca Toulouse 31 CCI in the live analysis
One click puts Ca Toulouse 31 CCI on your watchlist: fair value and trend at a glance, plus comparison, the diversification check and the 27,000+ stock screener.
Broad data
Nov 7, 2026