CR
CRTO.PA
—
Euronext Paris
Corporate Financial Services
Caisse Reg Cred Agric Mut Tourain Poitou
Last 30 days
1D5D1M3M6MYTD1Y5YMax
Live price chart loads from the market-data widget.
Mcap
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P/E
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EV / Rev
—
Div yield
2,20 %
Op margin
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ROE
—
Net margin
—
Debt / equity
—
Beta
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52w range
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Volume
—
Day range
—
Prev close
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Open
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Next earnings
2026-10-28
Ex-dividend
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TR 1Y
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About
Caisse Reg Cred Agric Mut Tourain Poitou operates as a banking institution, providing financial services to its clients.
Business. Caisse Reg Cred Agric Mut Tourain Poitou (CRTO.PA) is a banking institution operating within the Corporate Financial Services industry. The company is headquartered in France and is primarily listed on the Euronext Paris exchange. Specific details regarding its operating segments and geographic revenue mix are not available.
Classification92 %
SectorFinancials
Business sectorBanking & Investment Services
IndustryCorporate Financial Services
ActivityBanking
Generated · model-assisted
Sell-side consensus
BUY13 analysts
9 buy4 hold0 sell
Avg 12m price target26,24
Analyst recommendations
13 analysts · consensus BuyBuy9
Hold4
Sell0
12-month price target
26,24
Consensus of sell-side coverage.
At a glance
Score
—
not yet scored
Valuation
—
valuation pending
Analysts→
Buy
13 analysts · indicative
Ownership→
JANUS HENDERSON GROUP PLC
largest disclosed fund holder
Profitability
—
not yet wired
Quality
—
not yet scored
What drives this business
The watch-list the newsroom runs for this company — derived from its sector path, sharpened layer by layer. Not investment advice.
— missing data
News & coverage
0Sector rotation
Sector1D1Mvs mkt
Materials+2,3 %+6,6 %+1,7 %
Communication Services+2,2 %−5,5 %+1,6 %
Energy+0,6 %+3,3 %+0,0 %
Health Care+0,6 %−0,8 %+0,0 %
Information Technology+0,6 %+6,7 %+0,0 %
Consumer Discretionary+0,4 %+7,6 %−0,2 %
Financials · THIS SECTOR−0,3 %−2,8 %−0,9 %
Consumer Staples−0,4 %+2,5 %−1,0 %
Real Estate−0,7 %+10,9 %−1,3 %
Industrials−1,9 %−3,1 %−2,5 %
Utilities−1,9 %+28,2 %−2,5 %
Developing storylines
No tracked sagas currently linked to CRTO.PA. Browse all sagas →
Analysis
AI analysis
Generated · analysis pipeline · tier hybrid · as of 2026-08-04
↑ At a glance
Opportunity
— missing data
Upcoming catalysts
Scheduled public events. Informational only — not investment advice.
- Company
- EarningsQ3 2026 earnings (expected)2026-10-28 · estimated
- Macro
- Rate decisionBank of England rate decision (press conf.)2026-08-06 · GB
- Rate decisionReserve Bank of Australia rate decision (press conf.)2026-08-12 · AU
- Rate decisionNorges Bank rate decision (press conf.)2026-08-20 · NO
- Rate decisionSveriges Riksbank rate decision (press conf.)2026-09-03 · SE
- Rate decisionBank of Canada rate decision (press conf.)2026-09-09 · CA
- Rate decisionEuropean Central Bank rate decision (press conf.)2026-09-10 · EU
- Macro & political
- ElectionSE Swedish Election2026-09-14 · SE
- ElectionUS U.S. Midterms2026-11-03 · US
- ElectionFR French Legislative2027-06-01 · FR
Pre-earnings brief
— missing data
Signals & dispatch
peak dispatch · —
Composite-score breakdown
Synthesis
Business
Caisse Reg Cred Agric Mut Tourain Poitou (CRTO.PA) is a banking institution operating within the Corporate Financial Services industry. The company is headquartered in France and is primarily listed on the Euronext Paris exchange. Specific details regarding its operating segments and geographic revenue mix are not available.
Classification92 %
SectorFinancials
Business sectorBanking & Investment Services
IndustryCorporate Financial Services
ActivityBanking
AI synthesis
GENERATED— missing data
Key takeaways
- The company's liquidity position cannot be assessed due to missing balance-sheet data.
- No profitability or returns data is available for comparison with industry benchmarks.
- Geographic and segment revenue exposure is undisclosed.
- Growth trajectory and future performance remain speculative.
- Dilution risk is low, but liquidity risk is unassessable.
Bull / Bear case
Generated · model-assistedBULL CASE · 5
Equity grew 10.4% year-over-year to EUR 3.13 billion, strengthening the capital base for future lending and operations.
Revenue increased 14.5% year-over-year to EUR 109 million, demonstrating strong top-line growth momentum in the latest period.
Net income maintained a positive 4-year CAGR of 3.2%, indicating consistent profitability despite recent revenue volatility.
Total assets expanded 1.1% year-over-year to EUR 17.0 billion, reflecting steady balance sheet growth and stability.
Dilution risk is assessed as low, protecting existing shareholders from significant equity value erosion in the near term.
BEAR CASE · 5
Revenue declined at a 5.0% CAGR over four years, signaling a long-term structural weakness in top-line generation.
Long-term debt surged to EUR 118 million in the latest year, up significantly from EUR 38 million two years prior.
Net income growth slowed to just 2.1% year-over-year, suggesting diminishing returns on recent revenue expansion efforts.
Free cash flow grew only 2.3% year-over-year, indicating limited improvement in actual cash generation capabilities.
The debt-to-equity ratio stands at 0.88, implying moderate leverage that could constrain financial flexibility during downturns.
In focus — financials by report
Valuation FY
Market price
€141,50
Market cap
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Enterprise valueⓘ
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P/Eⓘ
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Non-GAAP P/Eⓘ
—
EV / Revenueⓘ
—
EV / Op incomeⓘ
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EV / OCFⓘ
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P / Bⓘ
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P / Tangible bookⓘ
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Tangible book
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Net cashⓘ
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Current ratioⓘ
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Debt / equityⓘ
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ROAⓘ
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ROEⓘ
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Cash conversionⓘ
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CapEx / revenueⓘ
—
SBC / revenueⓘ
—
Dilution ratioⓘ
0.0%
Revenue by segment
Business relationships
Business relationships28 disclosed relationships · 4 types · extracted from filings & disclosures
Customers1
ANON:CUST:CRTO.O:P5ANON:CUST:CRTO.O:P5Customer88%Source ↗
Partners1
SHOPIFY INC.SHOP.OPartner95%Source ↗
Vendors1
Doubleverify Holdings IncDV.OVendor90%Source ↗
Subsidiaries25
EX21:03bcdbf5d5c6EX21:03bcdbf5d5c6Subsidiarie97%
EX21:08ca62695462EX21:08ca62695462Subsidiarie97%
EX21:0e8d922e5c12EX21:0e8d922e5c12Subsidiarie97%
EX21:1ed197729c4aEX21:1ed197729c4aSubsidiarie97%
EX21:206b5d0b9b33EX21:206b5d0b9b33Subsidiarie97%
EX21:2677385a4cf9EX21:2677385a4cf9Subsidiarie97%
EX21:2e2785bc62bfEX21:2e2785bc62bfSubsidiarie97%
EX21:3ce2060dd936EX21:3ce2060dd936Subsidiarie97%
EX21:4c64dc97a7d7EX21:4c64dc97a7d7Subsidiarie97%
EX21:6139fd1d6addEX21:6139fd1d6addSubsidiarie97%
EX21:79f1ab4b4ab3EX21:79f1ab4b4ab3Subsidiarie97%
EX21:7e9430a08d58EX21:7e9430a08d58Subsidiarie97%
EX21:829fc7860b1aEX21:829fc7860b1aSubsidiarie97%
EX21:82f82af3a8cfEX21:82f82af3a8cfSubsidiarie97%
EX21:8d9953bed78fEX21:8d9953bed78fSubsidiarie97%
EX21:99698b212a3eEX21:99698b212a3eSubsidiarie97%
EX21:a3eeb94e1924EX21:a3eeb94e1924Subsidiarie97%
EX21:af00ac665da9EX21:af00ac665da9Subsidiarie97%
EX21:cd99c5ca4e24EX21:cd99c5ca4e24Subsidiarie97%
EX21:dfd468f47e7eEX21:dfd468f47e7eSubsidiarie97%
EX21:e5581b45fe5fEX21:e5581b45fe5fSubsidiarie97%
EX21:e69aa7279df2EX21:e69aa7279df2Subsidiarie97%
EX21:eaf1b28723a7EX21:eaf1b28723a7Subsidiarie97%
EX21:f302dc9500dbEX21:f302dc9500dbSubsidiarie97%
EX21:fcfec471e576EX21:fcfec471e576Subsidiarie97%
Supply chain
Vendors → CRTO ↔ Partners → Customers · click any node to drill
3 mentions in 10-K0 from corporate websites0 from news dispatches
Updated 2026-07-04Peer comparison
— missing data
Market position
Stress test
— missing data
Predictor forecast
Next quarternear-term
Earnings · next quarterconf 45 %
EPS
Consensus EPS
4,20
Predicted surprise
+0,05
Beat probability
45 %
Analysts
13
Other metrics
Revenue
—
no estimate
Segment revenue
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no estimate
Margin
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no estimate
Segment margin
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no estimate
revision ratio 0,00 · as of 2026-08-01 · Earnings Surprise V1
Period note: consensus is not fiscal-period-aligned at source — read as consensus vs the last reported actual, not a calibrated same-quarter surprise.
Corporate eventM&A horizon
M&A probabilityconf 3 %
Probability
3 %
Base rate
3 %
Band
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180-day horizon · target 2027-01-18 · 1,0× base rate
No acquirer candidates identified by the signal model.
Probabilistic model output — not investment advice. · generated 2026-08-04
Options
— missing data
Short squeeze
— missing data
Earnings-call key lines
— missing data
Estimate revisions
consensus EPS · 26-week trend— missing data
Sell-side observations
Low€16,00
Mean€26,24
Median€26,00
High€35,00
Spot€141,50
−81.5 %implied to mean12-month sell-side price targets · ▲ spot
Themes
— missing data
ESG
— missing data
Risk factors
Dilution riskLow
Liquidity riskUnknown
Benchmarks vs cohort
No cohort benchmark data available for this issuer yet.
Corporate actions / M&A
M&A probabilityconf —
Probability
3 %
Base rate
3 %
Band
Low
180-day horizon · target 2027-01-18 · 1,0× base rate
No acquirer candidates identified by the signal model.
Corporate actionsNo corporate-action source connected yet — splits, dividends and buyback events are not tracked for this company. Honest-dim (no data fabricated).
FX exposure
— missing data
Comparable transactions
— missing data
Derivatives & instruments
— missing data
Actions
Ask Handelsavisen
— missing data
Data sources
- Market data
- Market data cache
- Issuer disclosures
- Public news
- Earnings transcripts
- Consensus estimates
- ESG data
How metrics are computed
- Dilution Ratio(shares_outstanding_diluted - shares_outstanding_basic) / shares_outstanding_basic
Source documents
- Caisse Reg Cred Agric Mut Tourain Poitou Market data — financials · 2026-05-27
Ownership & reference
Top holders
- Institutional Investor · as of 2026-03-310,02 %$32M
- Investment Managers · as of 2026-03-310,01 %$25M
- Investment Managers · as of 2026-03-310,01 %$17M
- Investment Managers · as of 2026-03-310,01 %$88M
- Institutional Investor · as of 2026-03-310,00 %$10M
- Investment Managers · as of 2026-03-310,00 %$3M
- Investment Managers · as of 2026-03-310,00 %$2M
- Investment Managers · as of 2026-03-310,00 %$1M
- Institutional Investor · as of 2026-03-310,00 %$2M
- Funds · as of 2026-03-310,00 %$0M
- Investment Managers · as of 2026-03-310,00 %$0M
- Investment Managers · as of 2026-03-310,00 %$1M
- Brokerage Firms · as of 2026-03-310,00 %$0M
- Investment Managers · as of 2024-06-300,00 %$2M
- Investment Managers · as of 2026-03-310,00 %$0M
- Investment Managers · as of 2026-03-310,00 %$0M
- Investment Managers · as of 2026-03-310,00 %$0M
- Institutional Investor · as of 2026-03-310,00 %$0M
Insider activity
Net selling2 buys · 18 sellsnet -$1,0M10 insiders · last 365d
- Chief Financial Officer · Ordinary SharesOther 430 897 · 2026-07-29
- Director · Ordinary SharesOther 12 471 · 2026-07-29
- Director · Ordinary SharesOther 12 471 · 2026-07-29
- Director · Ordinary SharesOther 26 600 · 2026-07-29
- Director · Ordinary SharesOther 26 600 · 2026-07-29
- Director · Ordinary SharesOther 4 444 · 2026-07-29
- Director · Ordinary SharesOther 4 444 · 2026-07-29
- Director · Ordinary SharesOther 42 736 · 2026-07-29
- Director · Ordinary SharesOther 32 187 · 2026-07-29
- Chief Legal Officer · Ordinary SharesOther 173 943 · 2026-07-29
- Chief Legal Officer · Ordinary SharesOther 173 943 · 2026-07-29
- Director · Ordinary SharesOther 53 488 · 2026-07-29
- Director · Ordinary SharesOther 33 846 · 2026-07-29
- Director · Ordinary SharesOther 33 846 · 2026-07-29
- Director · Ordinary SharesOther 53 488 · 2026-07-29
- Director, CEO · Ordinary SharesOther 361 106 · 2026-07-29
- Director, CEO · Ordinary SharesOther 361 106 · 2026-07-29
- Chief Financial Officer · Ordinary SharesOther 430 897 · 2026-07-29
- Director · Ordinary SharesOther 42 736 · 2026-07-29
- Director · Ordinary SharesOther 32 187 · 2026-07-29
- Chief Financial Officer · Ordinary SharesSold 982 @ $18,50$18K · 2026-06-01
- Chief Legal Officer · Ordinary SharesSold 1 079 @ $18,50$20K · 2026-06-01
- Chief Financial Officer · Ordinary SharesSold 1 313 @ $17,06$22K · 2026-05-26
- Chief Financial Officer · Ordinary SharesSold 1 152 @ $17,06$20K · 2026-05-26
- Chief Legal Officer · Ordinary SharesSold 1 136 @ $17,06$19K · 2026-05-26
Short positioning
1.2Mshares short+23.2% vs prior
1.77days to cover
44.7%short of daily vol
76fails-to-deliver
as of 2026-07-15 · short-interest report (free)
Geographic breakdown
— missing data
Listings · one canonical issuer
all listings resolve to the canonical
CRTO.PACanonical
Euronext Paris · EUR
Intel & risk
peak dispatch · —
OSINT findings
Dilution riskLow
Liquidity riskUnknown
Relationship graph
This companySectorCustomersPartnersVendorsSubsidiaries
Evidence & claims
From filings & derived data- Cash & equivalents (YoY) (2025-12-31 vs 2024-12-31): 17.7%Derived (calculated)
- EPS (diluted) (YoY) (2025-12-31 vs 2024-12-31): 38.9%Derived (calculated)
- Cost of revenue (YoY) (2025-12-31 vs 2024-12-31): -5.1%Derived (calculated)
- Return on equity (FY 2025-12-31): 13.0%Derived (calculated)
- Debt-to-equity (FY 2025-12-31): 0.88xDerived (calculated)
- EPS (basic) (YoY) (2025-12-31 vs 2024-12-31): 33.8%Derived (calculated)
- Current ratio (FY 2025-12-31): 1.27xDerived (calculated)
- Return on assets (FY 2025-12-31): 6.8%Derived (calculated)
- Net margin (FY 2025-12-31): 7.7%Derived (calculated)
- Gross margin (FY 2025-12-31): 54.0%Derived (calculated)
- R&D expense (YoY) (2025-12-31 vs 2024-12-31): 1.4%Derived (calculated)
- Operating cash flow (YoY) (2025-12-31 vs 2024-12-31): 20.6%Derived (calculated)
- Net income (YoY) (2025-12-31 vs 2024-12-31): 29.6%Derived (calculated)
- Gross profit (YoY) (2025-12-31 vs 2024-12-31): 6.8%Derived (calculated)
- Operating income (YoY) (2025-12-31 vs 2024-12-31): 33.9%Derived (calculated)
- Revenue (YoY) (2025-12-31 vs 2024-12-31): 0.6%Derived (calculated)
- Total assets (YoY) (2025-12-31 vs 2024-12-31): -2.9%Derived (calculated)
- Total liabilities (YoY) (2025-12-31 vs 2024-12-31): -14.3%Derived (calculated)
- Shareholders' equity (YoY) (2025-12-31 vs 2024-12-31): 9.5%Derived (calculated)
- Cash & equivalents (annual): USD 342.04MSEC XBRL filing
- Total liabilities (annual): USD 1.02BSEC XBRL filing
- EPS (diluted) (annual): USD-PER-SHARES 3SEC XBRL filing
- Pre-tax income (annual): USD 203.57MSEC XBRL filing
- Operating income (annual): USD 202.76MSEC XBRL filing
Showing 24 of 60 surfaced claims.
Atomic claims from regulatory filings and derived calculations. Provenance shown as source kind only.
The Thread
Everything we know, in order2026-10-28EVENTUpcomingQ3 2026 earnings (expected) estimated date
2026-08-01 04:29 UTCFILINGMaterial 8-K
2026-07-29INSIDERvan der Kooi Frederik transacted 26.6k sh Ordinary Shares — Director
2026-07-29INSIDERTEUNISSEN ERNST 02494 transacted 12.5k sh Ordinary Shares — Director
2026-07-29INSIDERGlickman Sarah JS transacted 430.9k sh Ordinary Shares — Chief Financial Officer
2026-07-29INSIDERKomasinski Michael transacted 361.1k sh Ordinary Shares — Director, CEO
2026-07-29INSIDERPicard Rachel transacted 53.5k sh Ordinary Shares — Director
2026-07-29INSIDERDamon Ryan transacted 173.9k sh Ordinary Shares — Chief Legal Officer
2026-07-29INSIDERBalla Nathalie transacted 33.8k sh Ordinary Shares — Director
2026-07-29INSIDERMesrobian Edmond transacted 32.2k sh Ordinary Shares — Director
2026-07-29INSIDERLalleman Marie transacted 42.7k sh Ordinary Shares — Director
2026-07-29INSIDERJay Stefanie transacted 4.4k sh Ordinary Shares — Director
2026-06-30 03:38 UTCEARNINGSUpcomingForecast: ma_probability (180d)
2026-06-23 03:11 UTCHOLDERInstitutional holding changed
2026-06-23 03:11 UTCHOLDER1 institutional position change flagged
2026-06-21 02:57 UTCHOLDERInstitutional holding changed
2026-06-21 02:57 UTCHOLDER1 institutional position change flagged
2026-06-01 00:00 UTCINSIDER2 insider transactions — 2026-06
2026-06-01INSIDERGlickman Sarah JS sold 982 sh Ordinary Shares — Chief Financial Officer ~$18k
2026-06-01INSIDERDamon Ryan sold 1.1k sh Ordinary Shares — Chief Legal Officer ~$20k
2026-05-26 00:00 UTCINSIDER4 insider transactions — 2026-05
2026-05-26INSIDERGlickman Sarah JS sold 1.3k sh Ordinary Shares — Chief Financial Officer ~$22k
2026-05-26INSIDERGlickman Sarah JS sold 1.2k sh Ordinary Shares — Chief Financial Officer ~$20k
2026-05-26INSIDERDamon Ryan sold 1.1k sh Ordinary Shares — Chief Legal Officer ~$19k
2026-03-13 00:00 UTCINSIDER8 insider transactions — 2026-03 · net sell $545k
2026-02-26 00:00 UTCINSIDER9 insider transactions — 2026-02 · net sell $119k
2025-12-22 00:00 UTCINSIDER3 insider transactions — 2025-12 · net buy $103k
2025-11-24 00:00 UTCINSIDER7 insider transactions — 2025-11 · net buy $120k
The entity's full life in the product — typed, chronological, joined across Newspaper, Platform and Data. Our memory, made visible.
Sources filings · IR · transcripts · market data · tier hybrid · as of 2026-08-04
Market data · Issuer disclosures · Public news · Earnings transcripts · Consensus estimates · ESG data
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