Caisse Reg Cred Agric Mut Tourain Poitou (CRTO) - Net Assets

Latest as of December 2025: €3.13 Billion EUR ≈ $3.66 Billion USD

Based on the latest financial reports, Caisse Reg Cred Agric Mut Tourain Poitou (CRTO) has net assets worth €3.13 Billion EUR (≈ $3.66 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 (€16.96 Billion ≈ $19.82 Billion USD) and total liabilities (€13.83 Billion ≈ $16.17 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 CRTO goodwill-adjusted equity ratio to evaluate the tangible quality of the company's equity base.

Key Net Assets Metrics

Metric	Value
Current Net Assets	€3.13 Billion
% of Total Assets	18.44%
Annual Growth Rate	-0.06%
5-Year Change	25.17%
10-Year Change	-73.87%
Growth Volatility	141.53

Caisse Reg Cred Agric Mut Tourain Poitou - Net Assets Trend (2000–2025)

This chart illustrates how Caisse Reg Cred Agric Mut Tourain Poitou's net assets have evolved over time, based on quarterly financial data. See how many days can Caisse Reg Cred Agric Mut Tourain Poitou fund operations to measure how many days the company can operate on defensive assets alone.

Annual Net Assets for Caisse Reg Cred Agric Mut Tourain Poitou (2000–2025)

The table below shows the annual net assets of Caisse Reg Cred Agric Mut Tourain Poitou from 2000 to 2025. For live valuation and market cap data, see CRTO market cap overview.

Year	Net Assets	Change
2025-12-31	€3.13 Billion ≈ $3.66 Billion	+10.42%
2024-12-31	€2.83 Billion ≈ $3.31 Billion	+6.85%
2023-12-31	€2.65 Billion ≈ $3.10 Billion	+7.59%
2022-12-31	€2.46 Billion ≈ $2.88 Billion	-1.39%
2021-12-31	€2.50 Billion ≈ $2.92 Billion	+12.50%
2020-12-31	€2.22 Billion ≈ $2.60 Billion	+0.47%
2019-12-31	€2.21 Billion ≈ $2.58 Billion	+7.39%
2018-12-31	€2.06 Billion ≈ $2.41 Billion	+12.29%
2017-12-31	€1.83 Billion ≈ $2.14 Billion	-84.69%
2016-12-31	€11.97 Billion ≈ $13.99 Billion	+7.54%
2015-12-31	€11.13 Billion ≈ $13.01 Billion	-4.87%
2014-12-31	€11.70 Billion ≈ $13.68 Billion	+709.40%
2013-12-31	€1.45 Billion ≈ $1.69 Billion	+5.47%
2012-12-31	€1.37 Billion ≈ $1.60 Billion	+5.94%
2011-12-31	€1.29 Billion ≈ $1.51 Billion	+5.37%
2010-12-31	€1.23 Billion ≈ $1.44 Billion	+5.77%
2009-12-31	€1.16 Billion ≈ $1.36 Billion	+18.04%
2008-12-31	€983.14 Million ≈ $1.15 Billion	-22.95%
2007-12-31	€1.28 Billion ≈ $1.49 Billion	-7.79%
2006-12-31	€1.38 Billion ≈ $1.62 Billion	+20.70%
2005-12-31	€1.15 Billion ≈ $1.34 Billion	+32.31%
2004-12-31	€866.43 Million ≈ $1.01 Billion	+10.03%
2003-12-31	€787.42 Million ≈ $920.58 Million	+7.80%
2002-12-31	€730.44 Million ≈ $853.97 Million	+6.88%
2001-12-31	€683.46 Million ≈ $799.03 Million	-78.49%
2000-12-31	€3.18 Billion ≈ $3.71 Billion	--

Equity Component Analysis

This analysis shows how different components contribute to Caisse Reg Cred Agric Mut Tourain Poitou'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 8223400000.0% over the analyzed period, indicating profitable operations and earnings retention.

Current Equity Component Breakdown (December 2025)

Component	Amount	Percentage
Retained Earnings	€82.23 Million	2.63%
Common Stock	€421.89 Million	13.49%
Other Components	€2.62 Billion	83.88%
Total Equity	€3.13 Billion	100.00%

Caisse Reg Cred Agric Mut Tourain Poitou Competitors by Market Cap

The table below lists competitors of Caisse Reg Cred Agric Mut Tourain Poitou ranked by their market capitalization.

Company	Market Cap
Intai Technology TWO:4163	$183.62 Million
Hi-Clearance TWO:1788	$183.75 Million
Consumer Portfolio Services Inc NASDAQ:CPSS	$183.79 Million
Zhonglu Co Ltd A SHG:600818	$183.85 Million
Harvatek Corp TW:6168	$183.46 Million
Eastech Holding Limited TW:5225	$183.44 Million
The Reject Shop Ltd AU:TRS	$183.41 Million
Loncor Resources Inc TO:LN	$183.34 Million

Equity Growth Attribution

This analysis shows how different factors contributed to changes in Caisse Reg Cred Agric Mut Tourain Poitou's equity between the two most recent reporting periods.

Equity Growth Insights

From 2024 to 2025, total equity changed from 2,831,857,000 to 3,126,861,000, a change of 295,004,000 (10.4%).
Net income of 82,234,000 contributed positively to equity growth.
Share repurchases of 12,357,000 reduced equity.
Other comprehensive income decreased equity by 1,774,041,000.
Other factors increased equity by 1,999,168,000.

Equity Change Factors (2024 to 2025)

Factor	Impact	Contribution
Net Income	€82.23 Million	+2.63%
Share Repurchases	€12.36 Million	-0.4%
Other Comprehensive Income	€-1.77 Billion	-56.74%
Other Changes	€2.00 Billion	+63.94%
Total Change	€-	10.42%

Book Value vs Market Value Analysis

This analysis compares Caisse Reg Cred Agric Mut Tourain Poitou'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: 0.36x
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 0.99x to 0.36x over the analyzed period, indicating reduced market premium.

Historical Price-to-Book Ratios

Date	Book Value per Share	Market Price	P/B Ratio
2009-12-31	€159.03	€156.98	x
2010-12-31	€168.21	€156.98	x
2011-12-31	€171.45	€156.98	x
2012-12-31	€245.65	€156.98	x
2013-12-31	€190.03	€156.98	x
2014-12-31	€243.99	€156.98	x
2015-12-31	€261.04	€156.98	x
2016-12-31	€272.46	€156.98	x
2017-12-31	€287.89	€156.98	x
2018-12-31	€325.10	€156.98	x
2019-12-31	€349.94	€156.98	x
2020-12-31	€351.99	€156.98	x
2021-12-31	€396.75	€156.98	x
2022-12-31	€391.45	€156.98	x
2023-12-31	€422.57	€156.98	x
2024-12-31	€376.19	€156.98	x
2025-12-31	€430.81	€156.98	x

Capital Efficiency Dashboard

This dashboard shows how efficiently Caisse Reg Cred Agric Mut Tourain Poitou 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): 2.63%
The company may be facing challenges in efficiently utilizing shareholder equity.
DuPont Analysis Breakdown:
• Net Profit Margin: 13.29%
• Asset Turnover: 0.04x
• Equity Multiplier: 5.42x
Recent ROE (2.63%) is below the historical average (4.63%), suggesting potential challenges in capital efficiency.

Historical Capital Efficiency Metrics

Year	Return on Equity	Net Profit Margin	Asset Turnover	Equity Multiplier	Economic Value Added
2004	7.89%	16.05%	0.07x	7.00x	€-18.30 Million
2005	5.84%	14.94%	0.06x	6.13x	€-47.69 Million
2006	5.36%	15.05%	0.06x	5.89x	€-64.22 Million
2007	6.22%	14.69%	0.06x	6.65x	€-48.20 Million
2008	7.49%	12.60%	0.07x	8.50x	€-24.69 Million
2009	5.25%	21.99%	0.03x	7.60x	€-55.11 Million
2010	6.02%	24.06%	0.03x	7.60x	€-48.91 Million
2011	5.93%	24.66%	0.03x	8.03x	€-52.70 Million
2012	3.55%	17.46%	0.03x	7.94x	€-88.44 Million
2013	4.79%	22.09%	0.03x	8.12x	€-75.31 Million
2014	4.77%	26.63%	0.02x	7.54x	€-81.66 Million
2015	5.15%	29.18%	0.03x	6.72x	€-80.74 Million
2016	4.04%	24.65%	0.02x	6.95x	€-103.13 Million
2017	3.67%	24.03%	0.02x	6.87x	€-116.05 Million
2018	3.89%	29.04%	0.02x	6.33x	€-125.80 Million
2019	3.56%	27.86%	0.02x	6.22x	€-142.34 Million
2020	2.06%	18.79%	0.02x	6.86x	€-176.32 Million
2021	2.90%	15.79%	0.03x	6.57x	€-177.27 Million
2022	3.80%	18.39%	0.03x	6.83x	€-152.71 Million
2023	4.22%	33.67%	0.02x	6.36x	€-153.20 Million
2024	2.84%	27.14%	0.02x	5.92x	€-202.64 Million
2025	2.63%	13.29%	0.04x	5.42x	€-230.45 Million

Industry Comparison

This section compares Caisse Reg Cred Agric Mut Tourain Poitou's net assets metrics with peer companies in the Banks - Regional industry.

Industry Context

Industry: Banks - Regional
Average net assets among peers: $12,308,724,800
Average return on equity (ROE) among peers: 6.41%

Peer Company Comparison

Company	Net Assets	Return on Equity	Debt-to-Equity	Market Cap
Caisse Reg Cred Agric Mut Tourain Poitou (CRTO)	€3.13 Billion	7.89%	4.42x	$183.62 Million
Credit Agricole SA (ACA)	$51.96 Billion	2.78%	28.97x	$51.88 Billion
BNP Paribas SA (BNP)	$54.82 Billion	13.33%	25.27x	$103.16 Billion
Caisse Régionale de Crédit Agricole Mutuel de Paris et d-Ile-de-France (CAF)	$4.36 Billion	6.10%	7.00x	$1.14 Billion
Ca Toulouse 31 CCI (CAT31)	$1.51 Billion	3.37%	6.61x	$676.97 Million
Caisse Regionale de Credit Agricole Mutuel de Normandie Seine SC (CCN)	$1.50 Billion	6.39%	7.08x	$701.44 Million
Caisse régionale de Crédit Agricole Mutuel d-Ille-et-Vilaine SC (CIV)	$1.28 Billion	5.51%	6.83x	$343.84 Million
Caisse Régionale de Crédit Agricole du Morbihan (CMO)	$1.13 Billion	5.05%	7.09x	$239.63 Million
Caisse Régionale du Crédit Agricole Alpes Provence (CRAP)	$1.00 Billion	10.05%	7.27x	$121.50 Million
Caisse régionale de Crédit Agricole Mutuel Atlantique Vendée (CRAV)	$2.12 Billion	5.94%	7.22x	$230.83 Million
Caisse Regionale de Credit Agricole Mutuel Brie Picardie (CRBP2)	$3.39 Billion	5.55%	7.13x	$597.96 Million

About Caisse Reg Cred Agric Mut Tourain Poitou

PA:CRTO France Banks - Regional

Market Cap

$183.62 Million

€157.06 Million EUR

Market Cap Rank

#16962 Global

#247 in France

Share Price

€156.98

Change (1 day)

-0.01%

52-Week Range

€94.53 - €159.94

All Time High

€159.94