Caisse régionale de Crédit Agricole Mutuel d-Ille-et-Vilaine SC (CIV) — Financial Flexibility Index

Latest as of December 2025: 0.03x

Caisse régionale de Crédit Agricole Mutuel d-Ille-et-Vilaine SC (CIV) has a Financial Flexibility Index of 0.03x as of December 2025. Free cash flow of €486.54 Million (operating CF €473.67 Million minus capex €12.86 Million) represents 0% of total liabilities (€18.62 Billion). Check CIV capex plus investments ratio to assess the company's total reinvestment commitment from operating cash flow.

Financial Flexibility Index

0.03x
Free Cash Flow / Total Liabilities

Free Cash Flow

€486.54 Million
Operating CF − Capex

Total Liabilities

€18.62 Billion
EUR

Capital Expenditures

€12.86 Million
EUR

Caisse régionale de Crédit Agricole Mutuel d-Ille-et-Vilaine SC Financial Flexibility Index (2007–2025)

Historical Financial Flexibility Index trend for Caisse régionale de Crédit Agricole Mutuel d-Ille-et-Vilaine SC across 19 annual periods. For the full cash flow conversion analysis, see CIV operating cash flow.

Annual Financial Flexibility Index for Caisse régionale de Crédit Agricole Mutuel d-Ille-et-Vilaine SC (2007–2025)

Year-by-year free cash flow to debt coverage for Caisse régionale de Crédit Agricole Mutuel d-Ille-et-Vilaine SC. Explore Caisse régionale de Crédit Agricole Mutu (CIV) debt coverage ratio to assess how comfortably operating cash covers total debt obligations.

Year Flexibility Index Free Cash Flow (EUR) Operating CF Total Liabilities YoY Change
2025 0.01x €223.76 Million €204.61 Million €18.62 Billion ▲ +814.2%
2024 0.00x €24.33 Million €15.70 Million €18.51 Billion ▲ +106.1%
2023 -0.02x €-377.47 Million €-383.99 Million €17.56 Billion ▼ -140.4%
2022 0.05x €970.25 Million €962.18 Million €18.21 Billion ▲ +241.7%
2021 0.02x €244.11 Million €234.63 Million €15.66 Billion ▲ +225.9%
2020 0.00x €68.84 Million €60.75 Million €14.39 Billion ▼ -77.4%
2019 0.02x €268.13 Million €254.83 Million €12.65 Billion ▲ +148.4%
2018 0.01x €97.14 Million €81.86 Million €11.38 Billion ▲ +370.7%
2017 0.00x €19.67 Million €5.18 Million €10.85 Billion ▼ -95.9%
2016 0.04x €439.72 Million €433.46 Million €9.91 Billion ▲ +987.1%
2015 0.00x €37.76 Million €32.79 Million €9.25 Billion ▲ +16.1%
2014 0.00x €31.27 Million €28.38 Million €8.89 Billion ▲ +225.6%
2013 0.00x €-24.44 Million €-27.28 Million €8.73 Billion ▼ -154.1%
2012 0.01x €43.15 Million €42.33 Million €8.33 Billion ▲ +100.5%
2011 -0.99x €-204.09 Million €-204.09 Million €205.48 Million ▼ -432.3%
2010 0.30x €174.39 Million €164.79 Million €583.41 Million ▲ +2147.5%
2009 -0.01x €-6.41 Million €-18.44 Million €438.72 Million ▲ +95.4%
2008 -0.32x €-184.84 Million €-199.04 Million €583.35 Million ▲ +44.7%
2007 -0.57x €-207.77 Million €-218.96 Million €362.30 Million —
Financial Flexibility Index = (Operating CF − Capex) / Total Liabilities = Free Cash Flow / Total Liabilities