Caisse Reg Cred Agric Mut Tourain Poitou (CRTO) fair value: what the stock is really worth
As of Oct 30, 2026: fair value (intrinsic value) of Caisse Reg Cred Agric Mut Tourain Poitou stock €212, price €106, upside +100.0%, quality 42 out of 100. Rating: strongly undervalued. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Caisse Reg Cred Agric Mut Tourain Poitou
CRTO · PAThe stock costs 50% less than our calculation considers fair.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Oct 31, 2026.
How to read this chart
60‑month range €46.65 – €159.94 · fair‑value band €206.78 – €316.42 · the €106.00 price screens below the €212.00 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Oct 31, 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 €106.00, while our model-based Fair Value estimate is €212.00, implying the stock looks roughly 50.0% 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 €106.00 price.
Bear case: the Dividend Discount group reads lowest at €38.47, and 2 of the 6 models stay below the price. Data coverage for this calculation is high.
Scenario range: €206.78 (bear) to €316.42 (bull), the price of €106.00 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 €662M Small · P/E ratio 9.0 · P/S ratio 2.34 · EPS (TTM) €11.83 · Dividend yield 3.2% · Net margin 27.0% · Return on equity 2.8% · Return on assets (EBIT) 0.6%.
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 100%, CRTO screens cheaper than that median.
Fair Value models
All 6 models by family
Quality Score breakdown
It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.
Revenue & earnings trend
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Compare Caisse Reg Cred Agric Mut Tourain Poitou with another stock
Price, fair value, quality and upside side by side.
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 · 1055 stocks
Valuation Multiplesvs Banks - Regional median · lower = cheaper
Strength profile in five axes (Snowflake)
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- Debt-to-equity by industry
- Price/FCF by industry
- Undervalued stocks: French Stocks
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value | Compare |
|---|---|---|---|---|
| China Merchants Bank Co 600036 | ¥42.50 | ¥52.73 | +24% | vs CRTO |
| BNP Paribas SA BNP | €87.20 | €106.06 | +22% | vs CRTO |
| Itaú Unibanco Holding ITUB | $7.37 | $6.94 | −6% | vs CRTO |
| Intesa Sanpaolo S.p.A ISP | €5.96 | €4.15 | −30% | vs CRTO |
| UniCredit S.p.A UCG | €73.05 | €50.44 | −31% | vs CRTO |
| Oversea-Chinese Banking Corporation O39 | 28.96 SGD | 19.78 SGD | −32% | vs CRTO |
| HDFC Bank Limited HDFCBANK | ₹683.30 | ₹406.39 | −41% | vs CRTO |
| Mizuho Financial Group MFG | $9.99 | $5.92 | −41% | vs CRTO |
| DBS Group D05 | 73.80 SGD | 40.39 SGD | −45% | vs CRTO |
| ICICI Bank Limited ICICIBANK | ₹1,387 | ₹615.63 | −56% | vs CRTO |
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Frequently asked questions
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Key figures of Caisse Reg Cred Agric Mut Tourain Poitou
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