| Valuation method | Value, € | Upside, % |
|---|---|---|
| Artificial intelligence (AI) | 396.15 | 183 |
| Intrinsic value (DCF) | 179.11 | 28 |
| Graham-Dodd Method | 550.96 | 293 |
| Graham Formula | 138.87 | -1 |
Caisse régionale de Crédit Agricole Mutuel Atlantique Vendée (CRAV.PA) is a regional cooperative bank operating under the Crédit Agricole Group, one of France's largest banking networks. Headquartered in Nantes, France, the bank provides a comprehensive suite of financial services, including payment and account management, mortgages, consumer credit, savings products, financial investments, and insurance solutions. It serves a diverse clientele, including individuals, businesses, professionals, farmers, and associations. As part of the Crédit Agricole network, CRAV benefits from a strong regional presence and a cooperative banking model that emphasizes customer-centric services and local economic development. The bank operates in the competitive French regional banking sector, where it leverages its mutual structure to foster long-term customer relationships and community engagement. With a market capitalization of approximately €127 million, CRAV plays a vital role in the financial ecosystem of the Atlantique-Vendée region.
Caisse régionale de Crédit Agricole Mutuel Atlantique Vendée presents a stable investment opportunity within the regional banking sector, supported by its affiliation with the Crédit Agricole Group. The bank's low beta (0.448) indicates lower volatility compared to the broader market, appealing to risk-averse investors. With a solid net income of €85.6 million and a diluted EPS of €11.61, the bank demonstrates profitability. However, its regional focus may limit growth prospects compared to larger national or international banks. The dividend yield, based on a €3.53 dividend per share, could attract income-focused investors. Risks include exposure to the French regional economy and competitive pressures from larger banks and fintech disruptors.
Caisse régionale de Crédit Agricole Mutuel Atlantique Vendée operates in a highly competitive French banking landscape dominated by large national banks and other regional cooperatives. Its competitive advantage lies in its cooperative structure, which fosters customer loyalty and community trust. As part of the Crédit Agricole network, CRAV benefits from shared resources, brand recognition, and economies of scale, though it remains smaller in scale compared to its parent company. The bank's regional focus allows it to tailor services to local needs, differentiating it from national competitors. However, it faces challenges from digital-only banks and fintech firms that offer more innovative and cost-effective solutions. The lack of total debt is a strength, indicating financial stability, but its growth potential may be constrained by its regional limitations. The bank must continue leveraging its mutual model and local expertise to maintain its market position.