Caisse régionale de Crédit Agricole Mutuel Atlantique Vendée (CRAV) Fair Value & Analysis

Financial Services · FR · Market cap €1.1B

A solid business, screening 12% undervalued on our models.

What matters now

• For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
• Our model range runs from €112.93 (bear) to €188.21 (bull), base €150.57. The closer the price sits to the lower half, the larger the margin of safety.
• Quality 56/100 (solid quality) with high evidence: the data supports the verdict.

Price vs Fair Value (5 years)

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 11, 2026.

How to read this chart

60‑month range €65.00 – €184.96 · fair‑value band €112.93 – €188.21 · the €134.50 price screens below the €150.57 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 11, 2026.

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Analysis

Caisse régionale de Crédit Agricole Mutuel Atlantique Vendée (CRAV) currently trades at €134.50, while our model-based Fair Value estimate is €150.57, implying the stock looks roughly 12.0% undervalued today. The Quality Score stands at 56/100 (solid quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high), always confirm before acting.

Over the trailing twelve months, Caisse régionale de Crédit Agricole Mutuel Atlantique Vendée generated revenue of €428M at a net margin of 20.0%. Revenue grew 7.9% year over year. It earns a return on equity of 2.1%. Net debt stands at €17.5B. Fundamentals as of Jul 11, 2026

Our scenario range runs from €112.93 (bear case) to €188.21 (bull case); at €134.50, the current price sits within that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 20% below its 52-week high and 36% above its 52-week low, currently below its 200-day average. For context, the median of 10 Financial Services peers we cover trades at 42% fair-value upside, at 12%, CRAV screens richer than that median.

Fair Value models

Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.

Widest divergence: Asset-Based (€396.41) versus Dividend Discount (€40.82). Highest evidence: Residual Income (76).

Key figures & financial health

Quality Score breakdown

About the company

Caisse régionale de Crédit Agricole Mutuel Atlantique Vendée provides banking products and services in France. It offers accounts and card services; real estate, personal, credit consolidation, student, work, housing transition, and vehicle loans; saving products; revolving credit; and life, home, car and two wheeler, health and welfare, leisure and daily, …

Full company description

Caisse régionale de Crédit Agricole Mutuel Atlantique Vendée provides banking products and services in France. It offers accounts and card services; real estate, personal, credit consolidation, student, work, housing transition, and vehicle loans; saving products; revolving credit; and life, home, car and two wheeler, health and welfare, leisure and daily, and borrower insurance products. The company also provides real estate investment, cash management, collection and payment, funding, trade and export financing, international solutions, financial engineering, asset management, leasing, as well as retirement saving solutions. It serves individuals, private banks, businesses, professionals, farmers, public community and social housing, and associations. The company was incorporated in 2001 and is headquartered in Nantes, France. Caisse régionale de Crédit Agricole Mutuel Atlantique Vendée is a subsidiary of Crédit Agricole S.A.

Company description, as reported by the company or data provider.

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

Caisse régionale de Crédit Agricole Mutuel Atlantique Vendée reported revenue of €1.4B in FY2025 versus €707M in FY2021, a compound +19.4%/yr. Reported net income was €85.5M in FY2025, compounding −6.8%/yr from FY2021.

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Peer Group

Banks - Regional · 1083 stocks

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.

Valuation Multiples vs Banks - Regional median · lower = cheaper

Snowflake

Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.

Values & ESG

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

ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.

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Frequently asked questions

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.