Financials / Banks - RegionalUpdated 2026-05-10 22:07 UTC

EPA/CIV stock hub

EPA/CIV has a live ticker hub with the latest available market, valuation, profitability, growth, ownership, and risk indicators.

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Fair value midpoint

n/a

Fair value pending

Upside to midpoint

n/a

Based on latest report

Confidence

n/a

Data quality and model convergence

Market cap

756.7M

Euronext Paris

Market data

Live price

Current market quote for this ticker.

Current price

EPA/CIV

In the news

Latest news · EPA/CIV

Recent company headlines from major financial publishers.

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Fetching the latest headlines.

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Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector context

Where the current metrics sit

Percentiles come from the backend screener cohort cache for the ticker's country and sector.

Forward P/En/a

P25 n/aP50 n/aP75 n/a

Trailing P/E11.6

P25 n/aP50 n/aP75 n/a

ROE2.5

P25 n/aP50 n/aP75 n/a

ROICn/a

P25 n/aP50 n/aP75 n/a

Benchmarks - 1M

S&P 500n/a

Nasdaq Compositen/a

Dow Jones Industrial Averagen/a

Russell 2000n/a

Indicator catalog

All EPA/CIV market and fundamental indicators

A searchable catalog of the available market, valuation, profitability, growth, balance-sheet, ownership, and analyst metrics for this ticker.

Available fields

188

Groups with data

Currency

EUR

Showing 188 of 188 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Country	France
Country code	FR
Employees	1,576.4
Employees Change	49.2%
Employees Change Percent	3.22
Exchange	Euronext Paris
Financial currency	EUR
First seen	2026-05-10
Industry	Banks - Regional
Isin	FR0000045213
Last refreshed	2026-05-10
Market cap	EUR 756.7M
Price	EUR 125
Price currency	EUR
Rev Per Employee	183,921.12x
Sector	Financials
Sic	6020
Symbol	epa/CIV
Website	https://www.credit-agricole.fr/ca-illeetvilaine/particulier.html

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Earnings Yield	8.64%
FCF yield	-21.62%
P/B ratio	0.28x
P/E ratio	11.58x
P/S ratio	2.75x
PE Ratio10 Y	6.86x
PE Ratio3 Y	7.96x
PE Ratio5 Y	7x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
Gross Profit	EUR 275.1M
Net Income	EUR 65.4M
Net Income Growth	1.56%
Net Income Growth Q	47.03%
Net Income Growth Quarters	1%
Net Income Growth Years	2%
Net Income Growth3 Y	-4.32%
Net Income Growth5 Y	0.65%
Pretax Margin	25.57%
Profit Margin	23.75%
Profit Per Employee	EUR 43,690
Profitable Years	19
ROA	0.31
ROE	2.55

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
Cagr10y	9.59%
Cagr15y	9.71%
Cagr1y	66.11%
Cagr20y	6.13%
Cagr3y	36.87%
Cagr5y	12.74%
Div CAGR10	0.87%
Div CAGR3	11.02%
Div CAGR5	11.71%
EPS Growth	1.16
EPS Growth Q	46.56
EPS Growth Quarters	1
EPS Growth Years	2
EPS Growth3 Y	-4.46
EPS Growth5 Y	0.66
FCF Growth Q	-52.44%
OCF Growth Q	-48.09%
Revenue Growth	3.99x
Revenue Growth Q	8.74x
Revenue Growth Years	2x
Revenue Growth3 Y	0.7x
Revenue Growth5 Y	-1.59x

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Assets	EUR 21.3B
Cash	EUR 250.4M
Debt	EUR 231.8M
Debt FCF	EUR -1.42
Equity	EUR 2.7B
Liabilities	EUR 18.6B
Net Cash	EUR 18.5M
Net Cash By Market Cap	EUR 2.45
Net Cash Growth	35.75%
Net Debt Equity	EUR -0.01
Tangible Book Value	EUR 2.7B
Tangible Book Value Per Share	EUR 448
WACC	5.79

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Working Capital	EUR -18B

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback Yield	-0.4%
Dividend Growth	6.17%
Dividend Growth Years	4%
Dividend per share	EUR 3.27
Dividend Years	32
Dividend Yield	2.62%
Ex Div Date	2026-05-13
Last Dividend	EUR 3.27
Payout Frequency	Annual
Payout Ratio	24.44%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
10Y total return	149.92%
1Y total return	66.05%
200-day SMA	105.8
3Y total return	156.45%
50-day SMA	109.1
50-day SMA vs 200-day SMA	50over200
5Y total return	82.12%
All Time High	128
All Time High Change	-2.33%
All Time High Date	2026-04-29
All Time Low	14.57
All Time Low Change	757.93%
All Time Low Date	1998-02-25
ATR	3.18
Beta	0.6
Beta1y	0.59
Beta2y	0.42
Ch YTD	18.37
High	125
High52	128
High52 Date	2026-04-29
High52ch	-2.33%
Low	123
Low52	76.5
Low52 Date	2025-06-27
Low52ch	63.4%
Ma50ch	14.59%
Price vs 200-day SMA	18.15%
RSI	72.22
RSI Monthly	70.36
RSI Weekly	69.78
Sharpe ratio	1.48x
Sortino ratio	2.48
Total Return	2.22%
Tr YTD	18.37
Tr15y	301.55%
Tr1m	16.84%
Tr1w	-0.11%
Tr3m	12.11%

Analyst estimates

Ratings, targets, revisions, and forward estimate fields.

Metric	Value
Operating Income	EUR 70.7M
Operating margin	25.68

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	2,229,224%
Shares Institutions	0.19%
Shares Out	6,053,490
Shares Qo Q	-0.06%
Shares Yo Y	0.4%

Other indicators

Additional ticker metrics that do not fit the primary research groupings yet.

Metric	Value
Adjusted FCF	EUR -163.6M
Average Volume	1,389.35x
Bv Per Share	447.6
CAPEX	EUR -19.1M
Ch10y	76.58
Ch15y	114.4
Ch1m	16.84
Ch1w	-0.11
Ch1y	59.64
Ch20y	36.91
Ch3m	12.11
Ch3y	127.3
Ch5y	52.44
Ch6m	19.03
Change	0.4%
Change From Open	0.82
Close	124.5
Days Gap	-0.42
Dollar Volume	51,375
Earnings Date	2026-09-11
EPS	EUR 10.8
F Score	2
FCF	EUR -163.6M
FCF Per Share	EUR -27.03
Financing CF	3,798,000
Fiscal Year End	December
Founded	1,900
Graham Number	329.73863
Graham Upside	163.8
Income Tax	EUR 5M
Investing CF	-31,936,000
Is Primary Listing	1
Last Earnings Date	2025-10-30
Last Report Date	2025-12-31
Lynch Fair Value	EUR 53.99
Lynch Upside	-56.81
Ma150	107.1
Ma150ch	16.66%
Ma20	118.5
Ma20ch	5.45%
Net CF	-172,596,000
Next Earnings Date	2026-09-11
Open	124
Payment Date	2026-05-15
Position In Range	100
Ppne	96,450,000
Price Date	2026-05-08
Ptbv Ratio	0.28
Relative Volume	0.3x
Revenue	275,146,000x
Tax By Revenue	1.82x
Tax Rate	7.1%
Tr20y	228.77%
Tr6m	19.03%
Volume	411

Fast facts

Decision checkpoints

A compact product layer over the same report payload.

Risk gate

n/a

Named kill scenarios are reviewed before any bullish rating can stand.

Moat score

n/a

Business quality stays separate from stock attractiveness.

Forward P/E

n/a

Valuation uses the full report model stack, not a single multiple.

Next action

Research pending

Final action steps are kept in the recommendation tab.

Income

EPA/CIV dividend yield, growth & safety

Yield, payout sustainability, and the multi-year growth streak.

Dividend yield

+2.6%

$3.27 annual per share

Payout ratio

+24.4%

Share of earnings returned as dividends. Below 60% is generally sustainable.

5Y dividend CAGR

+11.7%

4 consecutive years of growth

Total shareholder yield

+2.2%

Next ex-dividend date: 2026-05-13

Performance

EPA/CIV stock returns vs the market

Total return (incl. dividends) compared to S&P 500.

Ownership

Who owns EPA/CIV?

Insider, institutional, and short-interest positioning.

Institutional ownership

+0.2%

Share of float held by funds and institutions

Insider ownership

n/a

Stake held by company insiders. Higher generally signals alignment.

Short interest

n/a

Float sold short by bearish positioning

Y/Y dilution

+0.4%

Negative means the company is buying back shares.

Technical

EPA/CIV momentum and risk profile

RSI, moving-average stack, beta, and risk-adjusted return.

RSI (14)

72.2

Above 70: short-term overbought

Price vs 200-day MA

+18.1%

50/200-day relationship not available

Beta (5Y)

0.60

Less volatile than the market

Sharpe ratio

1.48

Risk-adjusted return — higher is better; >1.0 is solid.

Questions

About EPA/CIV

Hub-level FAQ points readers to the deeper analysis pages.

What is the current epa/CIV stock rating?

epa/CIV is currently shown with the latest rating in the latest report. The hub links directly to the full analysis surface where the rating, fair-value bridge, risks, and scorecard are documented together.

Where can I read the full epa/CIV analysis?

The full report lives at /stocks/epa/CIV/analysis. The bare ticker page is a product hub that summarizes the latest read and sends readers into the relocated analysis tabs without making the analysis surface depend on the hub.

What fair-value range is used for epa/CIV?

The latest report frames epa/CIV around the latest fair-value range. Treat that range as the entry point, then check the valuation, sensitivity, and bear-case tabs before making an investment decision.

How often is the epa/CIV page updated?

The hub updates with the latest published stock report and live backend market data. The analysis pages remain reachable under /analysis, so a hub rollback does not remove the report reader.