Caisse régionale de Crédit Agricole Mutuel d-Ille-et-Vilaine SC (CIV) - Net Assets
Based on the latest financial reports, Caisse régionale de Crédit Agricole Mutuel d-Ille-et-Vilaine SC (CIV) has net assets worth €2.71 Billion EUR (≈ $3.17 Billion USD) as of December 2025. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (€21.33 Billion ≈ $24.94 Billion USD) and total liabilities (€18.62 Billion ≈ $21.77 Billion USD). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off. Check Caisse régionale de Crédit Agricole Mutu (CIV) asset resilience to evaluate the company's liquid asset resilience ratio.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | €2.71 Billion |
| % of Total Assets | 12.7% |
| Annual Growth Rate | -0.32% |
| 5-Year Change | 28.34% |
| 10-Year Change | 81.19% |
| Growth Volatility | 114.11 |
Caisse régionale de Crédit Agricole Mutuel d-Ille-et-Vilaine SC - Net Assets Trend (2000–2025)
This chart illustrates how Caisse régionale de Crédit Agricole Mutuel d-Ille-et-Vilaine SC's net assets have evolved over time, based on quarterly financial data. Also explore CIV asset base for the complete picture of this company's asset base.
Annual Net Assets for Caisse régionale de Crédit Agricole Mutuel d-Ille-et-Vilaine SC (2000–2025)
The table below shows the annual net assets of Caisse régionale de Crédit Agricole Mutuel d-Ille-et-Vilaine SC from 2000 to 2025. For live valuation and market cap data, see CIV market cap overview.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | €2.71 Billion ≈ $3.17 Billion |
+11.78% |
| 2024-12-31 | €2.42 Billion ≈ $2.83 Billion |
+8.23% |
| 2023-12-31 | €2.24 Billion ≈ $2.62 Billion |
+7.95% |
| 2022-12-31 | €2.07 Billion ≈ $2.43 Billion |
-1.73% |
| 2021-12-31 | €2.11 Billion ≈ $2.47 Billion |
+13.24% |
| 2020-12-31 | €1.86 Billion ≈ $2.18 Billion |
-1.72% |
| 2019-12-31 | €1.90 Billion ≈ $2.22 Billion |
+6.38% |
| 2018-12-31 | €1.78 Billion ≈ $2.08 Billion |
+12.79% |
| 2017-12-31 | €1.58 Billion ≈ $1.85 Billion |
+5.72% |
| 2016-12-31 | €1.50 Billion ≈ $1.75 Billion |
+4.37% |
| 2015-12-31 | €1.43 Billion ≈ $1.67 Billion |
+5.85% |
| 2014-12-31 | €1.35 Billion ≈ $1.58 Billion |
+5.86% |
| 2013-12-31 | €1.28 Billion ≈ $1.49 Billion |
+5.25% |
| 2012-12-31 | €1.21 Billion ≈ $1.42 Billion |
-86.94% |
| 2011-12-31 | €9.30 Billion ≈ $10.87 Billion |
+7.10% |
| 2010-12-31 | €8.68 Billion ≈ $10.15 Billion |
+7.14% |
| 2009-12-31 | €8.10 Billion ≈ $9.48 Billion |
+5.32% |
| 2008-12-31 | €7.70 Billion ≈ $9.00 Billion |
-5.11% |
| 2007-12-31 | €8.11 Billion ≈ $9.48 Billion |
+566.89% |
| 2006-12-31 | €1.22 Billion ≈ $1.42 Billion |
+22.36% |
| 2005-12-31 | €993.80 Million ≈ $1.16 Billion |
+46.23% |
| 2004-12-31 | €679.64 Million ≈ $794.57 Million |
+9.90% |
| 2003-12-31 | €618.41 Million ≈ $722.99 Million |
+11.98% |
| 2002-12-31 | €552.25 Million ≈ $645.64 Million |
+6.29% |
| 2001-12-31 | €519.56 Million ≈ $607.42 Million |
-82.32% |
| 2000-12-31 | €2.94 Billion ≈ $3.44 Billion |
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Equity Component Analysis
This analysis shows how different components contribute to Caisse régionale de Crédit Agricole Mutuel d-Ille-et-Vilaine SC's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 6536000000.0% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | €65.36 Million | 2.41% |
| Common Stock | €276.37 Million | 10.20% |
| Other Comprehensive Income | €728.92 Million | 26.90% |
| Other Components | €1.64 Billion | 60.48% |
| Total Equity | €2.71 Billion | 100.00% |
Caisse régionale de Crédit Agricole Mutuel d-Ille-et-Vilaine SC Competitors by Market Cap
The table below lists competitors of Caisse régionale de Crédit Agricole Mutuel d-Ille-et-Vilaine SC ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
American Integrity Insurance Group, Inc.
NYSE:AII
|
$333.08 Million |
|
Langfang Development Co Ltd
SHG:600149
|
$333.22 Million |
|
Xinjiang Zhundong Petroleum
SHE:002207
|
$333.23 Million |
|
Mirbud SA
WAR:MRB
|
$333.29 Million |
|
Sun Tekstil Sanayi ve Ticaret A.S.
IS:SUNTK
|
$332.71 Million |
|
Maui Land & Pineapple Company Inc
NYSE:MLP
|
$332.27 Million |
|
Esso (Thailand) Public Company Limited
BK:BSRC
|
$332.25 Million |
|
Sanghvi Movers Limited
NSE:SANGHVIMOV
|
$332.24 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Caisse régionale de Crédit Agricole Mutuel d-Ille-et-Vilaine SC's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 2,423,734,000 to 2,709,299,000, a change of 285,565,000 (11.8%).
- Net income of 65,360,000 contributed positively to equity growth.
- Other comprehensive income increased equity by 728,922,000.
- Other factors decreased equity by 508,717,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | €65.36 Million | +2.41% |
| Other Comprehensive Income | €728.92 Million | +26.9% |
| Other Changes | €-508.72 Million | -18.78% |
| Total Change | €- | 11.78% |
Book Value vs Market Value Analysis
This analysis compares Caisse régionale de Crédit Agricole Mutuel d-Ille-et-Vilaine SC's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 0.29x
- The company is trading below its book value, potentially indicating the market believes the assets are overvalued on the balance sheet or anticipates future losses.
- The price-to-book ratio has decreased from 0.71x to 0.29x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2007-12-31 | €181.27 | €129.24 | x |
| 2008-12-31 | €136.68 | €129.24 | x |
| 2009-12-31 | €170.03 | €129.24 | x |
| 2010-12-31 | €183.31 | €129.24 | x |
| 2011-12-31 | €192.47 | €129.24 | x |
| 2012-12-31 | €201.22 | €129.24 | x |
| 2013-12-31 | €211.65 | €129.24 | x |
| 2014-12-31 | €224.00 | €129.24 | x |
| 2015-12-31 | €237.15 | €129.24 | x |
| 2016-12-31 | €247.43 | €129.24 | x |
| 2017-12-31 | €261.39 | €129.24 | x |
| 2018-12-31 | €294.55 | €129.24 | x |
| 2019-12-31 | €313.31 | €129.24 | x |
| 2020-12-31 | €308.06 | €129.24 | x |
| 2021-12-31 | €348.95 | €129.24 | x |
| 2022-12-31 | €343.89 | €129.24 | x |
| 2023-12-31 | €371.21 | €129.24 | x |
| 2024-12-31 | €401.99 | €129.24 | x |
| 2025-12-31 | €449.51 | €129.24 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Caisse régionale de Crédit Agricole Mutuel d-Ille-et-Vilaine SC utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 2.41%
- The company may be facing challenges in efficiently utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 6.69%
- • Asset Turnover: 0.05x
- • Equity Multiplier: 7.87x
- Recent ROE (2.41%) is below the historical average (4.48%), suggesting potential challenges in capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2007 | 5.74% | 26.30% | 0.03x | 7.72x | €-46.73 Million |
| 2008 | 7.65% | 26.31% | 0.03x | 9.99x | €-19.45 Million |
| 2009 | 6.30% | 26.21% | 0.03x | 8.29x | €-38.17 Million |
| 2010 | 6.64% | 27.34% | 0.03x | 8.35x | €-37.30 Million |
| 2011 | 6.32% | 27.90% | 0.03x | 8.15x | €-42.98 Million |
| 2012 | 3.99% | 20.14% | 0.03x | 7.86x | €-72.97 Million |
| 2013 | 5.51% | 27.93% | 0.03x | 7.83x | €-57.45 Million |
| 2014 | 5.70% | 30.16% | 0.02x | 7.57x | €-58.22 Million |
| 2015 | 6.13% | 31.35% | 0.03x | 7.46x | €-55.51 Million |
| 2016 | 4.34% | 25.50% | 0.02x | 7.62x | €-84.62 Million |
| 2017 | 4.57% | 27.54% | 0.02x | 7.86x | €-85.81 Million |
| 2018 | 3.49% | 25.70% | 0.02x | 7.38x | €-116.13 Million |
| 2019 | 3.31% | 25.44% | 0.02x | 7.67x | €-126.82 Million |
| 2020 | 1.12% | 5.24% | 0.02x | 8.72x | €-165.60 Million |
| 2021 | 2.91% | 13.52% | 0.03x | 8.42x | €-149.60 Million |
| 2022 | 3.56% | 14.21% | 0.03x | 9.78x | €-133.69 Million |
| 2023 | 2.70% | 23.65% | 0.01x | 8.84x | €-163.37 Million |
| 2024 | 2.66% | 24.20% | 0.01x | 8.64x | €-178.02 Million |
| 2025 | 2.41% | 6.69% | 0.05x | 7.87x | €-205.57 Million |
Industry Comparison
This section compares Caisse régionale de Crédit Agricole Mutuel d-Ille-et-Vilaine SC's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $13,723,802,778
- Average return on equity (ROE) among peers: 6.21%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Caisse régionale de Crédit Agricole Mutuel d-Ille-et-Vilaine SC (CIV) | €2.71 Billion | 5.74% | 6.87x | $332.86 Million |
| Credit Agricole SA (ACA) | $28.01 Billion | 4.59% | 27.06x | $51.88 Billion |
| BNP Paribas SA (BNP) | $80.34 Billion | 7.26% | 24.61x | $103.16 Billion |
| Caisse Régionale de Crédit Agricole Mutuel de Paris et d-Ile-de-France (CAF) | $3.66 Billion | 7.99% | 7.85x | $1.03 Billion |
| Ca Toulouse 31 CCI (CAT31) | $1.08 Billion | 6.38% | 7.35x | $499.15 Million |
| Caisse Regionale de Credit Agricole Mutuel de Normandie Seine SC (CCN) | $1.41 Billion | 7.61% | 7.15x | $636.19 Million |
| Caisse Régionale de Crédit Agricole du Morbihan (CMO) | $916.66 Million | 6.20% | 8.14x | $223.96 Million |
| Caisse Régionale du Crédit Agricole Alpes Provence (CRAP) | $1.39 Billion | 7.30% | 5.94x | $128.90 Million |
| Caisse régionale de Crédit Agricole Mutuel Atlantique Vendée (CRAV) | $2.62 Billion | 4.13% | 6.80x | $223.51 Million |
| Caisse Regionale de Credit Agricole Mutuel Brie Picardie (CRBP2) | $4.07 Billion | 4.40% | 6.75x | $601.58 Million |
About Caisse régionale de Crédit Agricole Mutuel d-Ille-et-Vilaine SC
Caisse régionale de Crédit Agricole Mutuel d'Ille-et-Vilaine Société coopérative provides banking services in France. The company offers bank accounts and related services; bank cards; savings; life insurance; stock market and financial investment; responsible investment; retirement savings; real estate investment; and home, car and motorcycle, health and life, leisure and everyday, property, per… Read more