Despite the downward trend in earnings at Caisse régionale de Crédit Agricole Mutuel d'Ille-et-Vilaine Société coopérative (EPA:CIV) the stock advances 6.9%, bringing three-year gains to 111%

By buying an index fund, investors can approximate the average market return. But if you choose individual stocks with prowess, you can make superior returns. For example, Caisse régionale de Crédit Agricole Mutuel d'Ille-et-Vilaine Société coopérative (EPA:CIV) shareholders have seen the share price rise 87% over three years, well in excess of the market return (12%, not including dividends). Since it's been a strong week for Caisse régionale de Crédit Agricole Mutuel d'Ille-et-Vilaine Société coopérative shareholders, let's have a look at trend of the longer term fundamentals. This technology could replace computers: discover the 20 stocks are working to make quantum computing a reality. There is no denying that markets are sometimes efficient, but prices do not always reflect underlying business performance. One flawed but reasonable way to assess how sentiment around a company has changed is to compare the earnings per share (EPS) with the share price. During the three years of share price growth, Caisse régionale de Crédit Agricole Mutuel d'Ille-et-Vilaine Société coopérative actually saw its earnings per share (EPS) drop 10% per year. This means it's unlikely the market is judging the company based on earnings growth. Given this situation, it makes sense to look at other metrics too. The revenue drop of 5.3% is as underwhelming as some politicians. What's clear is that historic earnings and revenue aren't matching up with the share price action, very well. So you might have to dig deeper to get a grasp of the situation The graphic below depicts how earnings and revenue have changed over time (unveil the exact values by clicking on the image). ENXTPA:CIV Earnings and Revenue Growth January 13th 2026 Take a more thorough look at Caisse régionale de Crédit Agricole Mutuel d'Ille-et-Vilaine Société coopérative's financial health with this free report on its balance sheet. What About Dividends? When looking at investment returns, it is important to consider the difference between total shareholder return (TSR) and share price return. The TSR is a return calculation that accounts for the value of cash dividends (assuming that any dividend received was reinvested) and the calculated value of any discounted capital raisings and spin-offs. So for companies that pay a generous dividend, the TSR is often a lot higher than the share price return. As it happens, Caisse régionale de Crédit Agricole Mutuel d'Ille-et-Vilaine Société coopérative's TSR for the last 3 years was 111%, which exceeds the share price return mentioned earlier. The dividends paid by the company have thusly boosted the total shareholder return. A Different Perspective We're pleased to report that Caisse régionale de Crédit Agricole Mutuel d'Ille-et-Vilaine Société coopérative shareholders have received a total shareholder return of 82% over one year. And that does include the dividend. That's better than the annualised return of 9% over half a decade, implying that the company is doing better recently. Given the share price momentum remains strong, it might be worth taking a closer look at the stock, lest you miss an opportunity. It's always interesting to track share price performance over the longer term. But to understand Caisse régionale de Crédit Agricole Mutuel d'Ille-et-Vilaine Société coopérative better, we need to consider many other factors. Consider risks, for instance. Every company has them, and we've spotted 1 warning sign for Caisse régionale de Crédit Agricole Mutuel d'Ille-et-Vilaine Société coopérative you should know about. Of course, you might find a fantastic investment by looking elsewhere. So take a peek at this free list of companies we expect will grow earnings. Please note, the market returns quoted in this article reflect the market weighted average returns of stocks that currently trade on French exchanges.