Caisse régionale de Crédit Agricole Mutuel Atlantique Vendée (CRAV.PA)

Caisse régionale de Crédit Agricole Mutuel Atlantique Vendée (CRAV.PA) — VMCI valuation read

Across 120 indicators, Caisse régionale de Crédit Agricole Mutuel Atlantique Vendée (CRAV.PA) lands at VMCI 49/100. The Financial Services sector median is 50, so the 1-point below-median read is the active comparison. Pillar weighting on the score: Value 35%, Quality 30%, Integrity 15%, Growth 12%, Risk 8%.

No material Form 4 disclosures landed on CRAV.PA in the past 30 days. Quiet insider tape removes one signal source; the active reads stay with the trailing-twelve-month financials and the next 10-Q.

**Investor frame.** On Value, CRAV.PA trades at 21.0x earnings, 17% above the Financial Services median of 18.0x; the EV/EBITDA delta of -2.0x reinforces that single line. On Quality, ROIC of 13.0% sits 3.0pp above the Financial Services median (10.0%). On Risk, net debt to EBITDA of 0.8x leaves covenant headroom for CRAV.PA on the trailing balance sheet.

CRAV.PA rose 1.8% over the trailing 7 days, with a -0.3% read on a 30-day basis.