AI Analysis

How does CIV.PA make money? Does CIV.PA have pricing power? What's the Earnings Whisper? Will CIV.PA profit more as the business scales? What is CIV.PA's management track record? Is CIV.PA's current price justified?

Caisse Regionale de Credit Agricole Mutuel d'Ille-et-Vilaine Cert.coop.d'invt.

€117.96 +$13.48 (+12.90%)

PAR · 14 Sep 2026 13:49 UTC

Previous Close

€117.02

Day Range

€117.04€117.98

Year Range

€94.5€142

Market Cap

258.21M

AVG Volume

707

Trailing/Forward PE

10.91/-

PEG ratio

8.32

Dividend Yield

2.77%

Next Earnings Date

Primary Exchange

Euronext Paris

Dividends

CIV.PA Dividends by year
Period	Dividends
2026	3.27
2025	3.08
2024	2.67
2023	2.39
2022	2.17
2021	1.88
2019	3.26
2018	3.04
2017	3
2016	3

PE Ratio

CIV.PA PE Ratio by year
Period	PE Ratio
Sep 26	5.44
Sep 26	5.54
Aug 26	5.49
Aug 26	5.46
Aug 26	5.3
Aug 26	5.2
Jul 26	5.25
Jul 26	5.44
Jul 26	5.16
Jul 26	5.19
Jul 26	5.3
Jun 26	5.77
Jun 26	6.2
Jun 26	6.41
Jun 26	6.4
May 26	6.06
May 26	6.01
May 26	5.62
May 26	5.81
Apr 26	5.81
Apr 26	5.53
Apr 26	5.32
Apr 26	5.06
Apr 26	4.86
Mar 26	4.58
Mar 26	4.52
Mar 26	4.56
Mar 26	4.45
Feb 26	4.77
Feb 26	4.72
Feb 26	4.9
Feb 26	4.99
Jan 26	5.01
Jan 26	4.9
Jan 26	4.93
Jan 26	4.9
Jan 26	4.67
Dec 25	4.54
Dec 25	4.56
Dec 25	4.4
Dec 25	4.34
Nov 25	4.45
Nov 25	4.41
Nov 25	4.79
Nov 25	4.7
Oct 25	4.5
Oct 25	4.7
Oct 25	5.16
Oct 25	5.05
Oct 25	5.05
Sep 25	4.92
Sep 25	4.87
Sep 25	4.97
Sep 25	5.28
Aug 25	5.6
Aug 25	5.41
Aug 25	4.42
Aug 25	4.39
Aug 25	4.44
Jul 25	4.39
Jul 25	4.2
Jul 25	4.01
Jul 25	3.86
Jun 25	3.75
Jun 25	3.84
Jun 25	3.97
Jun 25	3.88
May 25	3.84
May 25	3.86
May 25	3.74
May 25	3.81
May 25	3.66
Apr 25	3.54
Apr 25	3.53
Apr 25	3.45
Apr 25	3.68
Mar 25	3.47
Mar 25	3.47
Mar 25	3.47
Mar 25	3.51
Feb 25	3.45
Feb 25	3.45
Feb 25	3.16
Feb 25	3.06
Jan 25	2.96
Jan 25	2.93
Jan 25	2.88
Jan 25	2.77
Jan 25	3.01
Dec 24	3.02
Dec 24	2.99
Dec 24	2.84
Dec 24	2.68
Nov 24	2.67
Nov 24	2.74
Nov 24	2.82
Nov 24	2.84
Nov 24	2.8
Oct 24	2.6
Oct 24	2.53

Free Cash Flow Yield

CIV.PA Free Cash Flow Yield by year
Period	Free Cash Flow Yield
Sep 26	10.01%
Sep 26	9.83%
Aug 26	9.92%
Aug 26	9.97%
Aug 26	10.28%
Aug 26	10.46%
Jul 26	10.36%
Jul 26	10.01%
Jul 26	10.55%
Jul 26	10.48%
Jul 26	10.28%
Jun 26	9.43%
Jun 26	8.78%
Jun 26	8.5%
Jun 26	8.5%
May 26	8.98%
May 26	9.06%
May 26	9.68%
May 26	9.37%
Apr 26	9.37%
Apr 26	9.85%
Apr 26	10.23%
Apr 26	10.75%
Apr 26	11.21%
Mar 26	-28.76%
Mar 26	-29.19%
Mar 26	-28.9%
Mar 26	-29.63%
Feb 26	-27.66%
Feb 26	-27.95%
Feb 26	-26.92%
Feb 26	-26.44%
Jan 26	-26.32%
Jan 26	-26.93%
Jan 26	-26.73%
Jan 26	-26.92%
Jan 26	-28.22%
Dec 25	-29.05%
Dec 25	-28.9%
Dec 25	-29.99%
Dec 25	-30.39%
Nov 25	-29.63%
Nov 25	-29.93%
Nov 25	-27.55%
Nov 25	-28.07%
Oct 25	-29.34%
Oct 25	-28.08%
Oct 25	-25.58%
Oct 25	-26.09%
Oct 25	-26.09%
Sep 25	-82.19%
Sep 25	-82.99%
Sep 25	-81.36%
Sep 25	-76.59%
Aug 25	-72.26%
Aug 25	-74.84%
Aug 25	-91.6%
Aug 25	-92.11%
Aug 25	-91.14%
Jul 25	-92.11%
Jul 25	-96.34%
Jul 25	-100.99%
Jul 25	-104.77%
Jun 25	-107.73%
Jun 25	-105.3%
Jun 25	-101.84%
Jun 25	-104.13%
May 25	-105.4%
May 25	-104.79%
May 25	-108.15%
May 25	-106.1%
May 25	-110.66%
Apr 25	-114.35%
Apr 25	-114.66%
Apr 25	-117.21%
Apr 25	-109.78%
Mar 25	30.65%
Mar 25	30.58%
Mar 25	30.57%
Mar 25	30.23%
Feb 25	30.77%
Feb 25	30.77%
Feb 25	33.57%
Feb 25	34.72%
Jan 25	35.86%
Jan 25	36.29%
Jan 25	36.84%
Jan 25	38.28%
Jan 25	35.24%
Dec 24	35.23%
Dec 24	35.49%
Dec 24	37.4%
Dec 24	39.65%
Nov 24	39.78%
Nov 24	38.77%
Nov 24	37.62%
Nov 24	37.4%
Nov 24	37.92%
Oct 24	40.85%
Oct 24	41.9%

Price to Sales

CIV.PA Price to Sales by year
Period	Price to Sales
Sep 26	0.42
Sep 26	0.43
Aug 26	0.42
Aug 26	0.42
Aug 26	0.41
Aug 26	0.4
Jul 26	0.41
Jul 26	0.42
Jul 26	0.4
Jul 26	0.4
Jul 26	0.41
Jun 26	0.45
Jun 26	0.48
Jun 26	0.5
Jun 26	0.5
May 26	0.47
May 26	0.47
May 26	0.44
May 26	0.45
Apr 26	0.45
Apr 26	0.43
Apr 26	0.41
Apr 26	0.39
Apr 26	0.38
Mar 26	0.45
Mar 26	0.45
Mar 26	0.45
Mar 26	0.44
Feb 26	0.47
Feb 26	0.47
Feb 26	0.49
Feb 26	0.49
Jan 26	0.5
Jan 26	0.49
Jan 26	0.49
Jan 26	0.49
Jan 26	0.46
Dec 25	0.45
Dec 25	0.45
Dec 25	0.44
Dec 25	0.43
Nov 25	0.44
Nov 25	0.44
Nov 25	0.47
Nov 25	0.47
Oct 25	0.45
Oct 25	0.47
Oct 25	0.51
Oct 25	0.5
Oct 25	0.5
Sep 25	0.37
Sep 25	0.37
Sep 25	0.38
Sep 25	0.4
Aug 25	0.43
Aug 25	0.41
Aug 25	0.34
Aug 25	0.33
Aug 25	0.34
Jul 25	0.33
Jul 25	0.32
Jul 25	0.3
Jul 25	0.29
Jun 25	0.29
Jun 25	0.29
Jun 25	0.3
Jun 25	0.3
May 25	0.29
May 25	0.29
May 25	0.28
May 25	0.29
May 25	0.28
Apr 25	0.27
Apr 25	0.27
Apr 25	0.26
Apr 25	0.28
Mar 25	0.34
Mar 25	0.34
Mar 25	0.34
Mar 25	0.35
Feb 25	0.34
Feb 25	0.34
Feb 25	0.31
Feb 25	0.3
Jan 25	0.29
Jan 25	0.29
Jan 25	0.29
Jan 25	0.28
Jan 25	0.3
Dec 24	0.3
Dec 24	0.3
Dec 24	0.28
Dec 24	0.27
Nov 24	0.26
Nov 24	0.27
Nov 24	0.28
Nov 24	0.28
Nov 24	0.28
Oct 24	0.26
Oct 24	0.25

EV/EBITDA

CIV.PA EV/EBITDA by year
Period	EV/EBITDA
Sep 26	84.53
Sep 26	84.61
Aug 26	84.57
Aug 26	84.55
Aug 26	84.41
Aug 26	84.33
Jul 26	84.37
Jul 26	84.53
Jul 26	84.29
Jul 26	84.32
Jul 26	84.41
Jun 26	84.81
Jun 26	85.19
Jun 26	85.36
Jun 26	85.36
May 26	85.07
May 26	85.02
May 26	84.69
May 26	84.85
Apr 26	84.85
Apr 26	84.61
Apr 26	84.43
Apr 26	84.21
Apr 26	84.03
Mar 26	2.95
Mar 26	2.89
Mar 26	2.93
Mar 26	2.83
Feb 26	3.11
Feb 26	3.07
Feb 26	3.23
Feb 26	3.31
Jan 26	3.33
Jan 26	3.22
Jan 26	3.26
Jan 26	3.23
Jan 26	3.03
Dec 25	2.91
Dec 25	2.93
Dec 25	2.78
Dec 25	2.73
Nov 25	2.83
Nov 25	2.79
Nov 25	3.13
Nov 25	3.05
Oct 25	2.87
Oct 25	3.05
Oct 25	3.45
Oct 25	3.36
Oct 25	3.36
Sep 25	0.8
Sep 25	0.76
Sep 25	0.85
Sep 25	1.11
Aug 25	1.38
Aug 25	1.22
Aug 25	0.37
Aug 25	0.35
Aug 25	0.39
Jul 25	0.35
Jul 25	0.19
Jul 25	0.02
Jul 25	-0.1
Jun 25	-0.19
Jun 25	-0.12
Jun 25	-0.01
Jun 25	-0.08
May 25	-0.12
May 25	-0.1
May 25	-0.2
May 25	-0.14
May 25	-0.28
Apr 25	-0.38
Apr 25	-0.39
Apr 25	-0.45
Apr 25	-0.25
Mar 25	1.21
Mar 25	1.22
Mar 25	1.22
Mar 25	1.25
Feb 25	1.2
Feb 25	1.2
Feb 25	0.97
Feb 25	0.88
Jan 25	0.8
Jan 25	0.77
Jan 25	0.73
Jan 25	0.64
Jan 25	0.84
Dec 24	0.84
Dec 24	0.82
Dec 24	0.7
Dec 24	0.57
Nov 24	0.56
Nov 24	0.62
Nov 24	0.68
Nov 24	0.7
Nov 24	0.67
Oct 24	0.5
Oct 24	0.45

Price/Operating Cashflow

CIV.PA Price/Operating Cashflow by year
Period	Price/Operating Cashflow
Sep 26	7.17
Sep 26	7.3
Aug 26	7.23
Aug 26	7.2
Aug 26	6.98
Aug 26	6.86
Jul 26	6.93
Jul 26	7.17
Jul 26	6.81
Jul 26	6.85
Jul 26	6.98
Jun 26	7.61
Jun 26	8.18
Jun 26	8.45
Jun 26	8.44
May 26	7.99
May 26	7.92
May 26	7.41
May 26	7.66
Apr 26	7.66
Apr 26	7.29
Apr 26	7.01
Apr 26	6.68
Apr 26	6.4
Mar 25	2.97
Mar 25	2.98
Mar 25	2.98
Mar 25	3.01
Feb 25	2.96
Feb 25	2.96
Feb 25	2.71
Feb 25	2.62
Jan 25	2.54
Jan 25	2.51
Jan 25	2.47
Jan 25	2.38
Jan 25	2.58
Dec 24	2.58
Dec 24	2.57
Dec 24	2.44
Dec 24	2.3
Nov 24	2.29
Nov 24	2.35
Nov 24	2.42
Nov 24	2.43
Nov 24	2.4
Oct 24	2.23
Oct 24	2.17
Oct 24	2.06
Oct 24	2.14
Sep 24	0.61
Sep 24	0.6
Sep 24	0.59
Sep 24	0.62
Aug 24	0.61
Aug 24	0.61
Aug 24	0.61
Aug 24	0.59
Aug 24	0.62
Jul 24	0.62
Jul 24	0.66
Jul 24	0.66
Jul 24	0.65
Jun 24	0.64
Jun 24	0.66
Jun 24	0.68
Jun 24	0.69
May 24	0.69
May 24	0.67
May 24	0.68
May 24	0.73
May 24	0.67
Apr 24	0.65
Apr 24	0.62
Apr 24	0.61
Apr 24	0.59
Mar 24	0.84
Mar 24	0.86
Mar 24	0.84
Mar 24	0.86
Mar 24	0.89
Feb 24	0.9
Feb 24	0.89
Feb 24	0.89
Feb 24	0.97
Jan 24	0.94
Jan 24	0.92
Jan 24	0.91
Jan 24	0.91
Dec 23	0.92
Dec 23	0.89
Dec 23	0.93
Dec 23	0.97
Dec 23	0.99
Nov 23	0.98
Nov 23	0.98
Nov 23	0.99
Nov 23	0.95
Oct 23	0.92
Oct 23	0.97

Price to Book

CIV.PA Price to Book by year
Period	Price to Book
Sep 26	0.26
Sep 26	0.27
Aug 26	0.26
Aug 26	0.26
Aug 26	0.25
Aug 26	0.25
Jul 26	0.25
Jul 26	0.26
Jul 26	0.25
Jul 26	0.25
Jul 26	0.25
Jun 26	0.28
Jun 26	0.3
Jun 26	0.31
Jun 26	0.31
May 26	0.29
May 26	0.29
May 26	0.27
May 26	0.28
Apr 26	0.28
Apr 26	0.26
Apr 26	0.25
Apr 26	0.24
Apr 26	0.23
Mar 26	0.24
Mar 26	0.24
Mar 26	0.24
Mar 26	0.24
Feb 26	0.25
Feb 26	0.25
Feb 26	0.26
Feb 26	0.26
Jan 26	0.27
Jan 26	0.26
Jan 26	0.26
Jan 26	0.26
Jan 26	0.25
Dec 25	0.24
Dec 25	0.24
Dec 25	0.23
Dec 25	0.23
Nov 25	0.24
Nov 25	0.23
Nov 25	0.25
Nov 25	0.25
Oct 25	0.24
Oct 25	0.25
Oct 25	0.27
Oct 25	0.27
Oct 25	0.27
Sep 25	0.25
Sep 25	0.25
Sep 25	0.26
Sep 25	0.27
Aug 25	0.29
Aug 25	0.28
Aug 25	0.23
Aug 25	0.23
Aug 25	0.23
Jul 25	0.23
Jul 25	0.22
Jul 25	0.21
Jul 25	0.2
Jun 25	0.19
Jun 25	0.2
Jun 25	0.2
Jun 25	0.2
May 25	0.2
May 25	0.2
May 25	0.19
May 25	0.2
May 25	0.19
Apr 25	0.18
Apr 25	0.18
Apr 25	0.18
Apr 25	0.19
Mar 25	0.2
Mar 25	0.21
Mar 25	0.21
Mar 25	0.21
Feb 25	0.2
Feb 25	0.2
Feb 25	0.19
Feb 25	0.18
Jan 25	0.18
Jan 25	0.17
Jan 25	0.17
Jan 25	0.16
Jan 25	0.18
Dec 24	0.18
Dec 24	0.18
Dec 24	0.17
Dec 24	0.16
Nov 24	0.16
Nov 24	0.16
Nov 24	0.17
Nov 24	0.17
Nov 24	0.17
Oct 24	0.15
Oct 24	0.15

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AI Analysis

Caisse Regionale de Credit Agricole Mutuel d'Ille-et-Vilaine Cert.coop.d'invt.

Video analysis: CIV.PA

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