CRLA Fundamental Analysis - CRCAM DU LANGUEDOC

Fundamental Rating

We assign a fundamental rating of 2 out of 10 to CRLA. CRLA was compared to 114 industry peers in the Banks industry. Both the profitability and financial health of CRLA have multiple concerns. CRLA is valued expensive and it does not seem to be growing.

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1. Profitability

1.1 Basic Checks

CRLA had positive earnings in the past year.

In the past year CRLA has reported a negative cash flow from operations.

Each year in the past 5 years CRLA has been profitable.

The reported operating cash flow has been mixed in the past 5 years: CRLA reported negative operating cash flow in multiple years.

1.2 Ratios

CRLA has a worse Return On Assets (0.51%) than 66.67% of its industry peers.

CRLA has a worse Return On Equity (3.22%) than 78.07% of its industry peers.

		Industry Rank	Sector Rank
ROA	0.51%
ROE	3.22%
ROIC	N/A

ROA(3y)0.53%

ROA(5y)0.53%

ROE(3y)3.75%

ROE(5y)3.8%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

The Profit Margin of CRLA (25.56%) is better than 61.40% of its industry peers.

In the last couple of years the Profit Margin of CRLA has declined.

CRLA does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	25.56%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-6.97%

PM growth 5Y-3.47%

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

CRLA does not have a ROIC to compare to the WACC, probably because it is not profitable.

CRLA has about the same amout of shares outstanding than it did 1 year ago.

The number of shares outstanding for CRLA remains at a similar level compared to 5 years ago.

CRLA has a worse debt/assets ratio than last year.

2.2 Solvency

CRLA has a Debt/Equity ratio of 0.02. This is a healthy value indicating a solid balance between debt and equity.

The Debt to Equity ratio of CRLA (0.02) is better than 95.61% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.02
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC6.27%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

CRLA shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -0.10%.

CRLA shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -1.63% yearly.

CRLA shows a decrease in Revenue. In the last year, the revenue decreased by -2.48%.

The Revenue has been growing slightly by 2.09% on average over the past years.

EPS 1Y (TTM)-0.1%

EPS 3Y-6.76%

EPS 5Y-1.63%

EPS Q2Q%8.2%

Revenue 1Y (TTM)-2.48%

Revenue growth 3Y0.57%

Revenue growth 5Y2.09%

Sales Q2Q%0.85%

3.2 Future

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.

No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.

EPS Next YN/A

EPS Next 2YN/A

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next YearN/A

Revenue Next 2YN/A

Revenue Next 3YN/A

Revenue Next 5YN/A

3.3 Evolution

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.

No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.

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4. Valuation

4.1 Price/Earnings Ratio

CRLA is valuated reasonably with a Price/Earnings ratio of 8.70.

Based on the Price/Earnings ratio, CRLA is valued cheaply inside the industry as 85.96% of the companies are valued more expensively.

CRLA is valuated cheaply when we compare the Price/Earnings ratio to 27.00, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	8.7
Fwd PE	N/A

4.2 Price Multiples

		Industry Rank	Sector Rank
P/FCF	N/A
EV/EBITDA	N/A

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)N/A

EPS Next 2YN/A

EPS Next 3YN/A

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 3.30%, CRLA has a reasonable but not impressive dividend return.

Compared to an average industry Dividend Yield of 3.98, CRLA has a dividend in line with its industry peers.

CRLA's Dividend Yield is rather good when compared to the S&P500 average which is at 1.94.

		Industry Rank	Sector Rank
Dividend Yield	3.3%

5.2 History

The dividend of CRLA has a limited annual growth rate of 2.79%.

Dividend Growth(5Y)2.79%

Div Incr Years0

Div Non Decr Years0

5.3 Sustainability

DP0%

EPS Next 2YN/A

EPS Next 3YN/A

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CRCAM DU LANGUEDOC

EPA:CRLA (1/8/2026, 7:00:00 PM)

-0.3 (-0.37%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)10-30 2025-10-30

Earnings (Next)02-03 2026-02-03

Inst Owners7.57%

Inst Owner ChangeN/A

Ins OwnersN/A

Ins Owner ChangeN/A

Market Cap144.00M

Revenue(TTM)719.89M

Net Income(TTM)184.00M

Analysts78.18

Price TargetN/A

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	3.3%

Yearly DividendN/A

Dividend Growth(5Y)2.79%

DP0%

Div Incr Years0

Div Non Decr Years0

Ex-DateN/A

Surprises & Revisions

EPS beat(2)N/A

Avg EPS beat(2)N/A

Min EPS beat(2)N/A

Max EPS beat(2)N/A

EPS beat(4)N/A

Avg EPS beat(4)N/A

Min EPS beat(4)N/A

Max EPS beat(4)N/A

EPS beat(8)N/A

Avg EPS beat(8)N/A

EPS beat(12)N/A

Avg EPS beat(12)N/A

EPS beat(16)N/A

Avg EPS beat(16)N/A

Revenue beat(2)N/A

Avg Revenue beat(2)N/A

Min Revenue beat(2)N/A

Max Revenue beat(2)N/A

Revenue beat(4)N/A

Avg Revenue beat(4)N/A

Min Revenue beat(4)N/A

Max Revenue beat(4)N/A

Revenue beat(8)N/A

Avg Revenue beat(8)N/A

Revenue beat(12)N/A

Avg Revenue beat(12)N/A

Revenue beat(16)N/A

Avg Revenue beat(16)N/A

PT rev (1m)N/A

PT rev (3m)N/A

EPS NQ rev (1m)N/A

EPS NQ rev (3m)N/A

EPS NY rev (1m)N/A

EPS NY rev (3m)N/A

Revenue NQ rev (1m)N/A

Revenue NQ rev (3m)N/A

Revenue NY rev (1m)N/A

Revenue NY rev (3m)N/A

Valuation

		Industry Rank	Sector Rank
PE	8.7
Fwd PE	N/A
P/S	0.2
P/FCF	N/A
P/OCF	N/A
P/B	0.03
P/tB	0.03
EV/EBITDA	N/A

EPS(TTM)9.2

EY11.5%

EPS(NY)N/A

Fwd EYN/A

FCF(TTM)-182.18

FCFYN/A

OCF(TTM)-179.44

OCFYN/A

SpS399.94

BVpS3173.33

TBVpS3173.33

PEG (NY)N/A

PEG (5Y)N/A

Graham Number810.48

Profitability

		Industry Rank	Sector Rank
ROA	0.51%
ROE	3.22%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	25.56%
GM	N/A
FCFM	N/A

ROA(3y)0.53%

ROA(5y)0.53%

ROE(3y)3.75%

ROE(5y)3.8%

ROIC(3y)N/A

ROIC(5y)N/A

ROICexc(3y)N/A

ROICexc(5y)N/A

ROICexgc(3y)N/A

ROICexgc(5y)N/A

ROCE(3y)N/A

ROCE(5y)N/A

ROICexgc growth 3YN/A

ROICexgc growth 5YN/A

ROICexc growth 3YN/A

ROICexc growth 5YN/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-6.97%

PM growth 5Y-3.47%

GM growth 3YN/A

GM growth 5YN/A

F-Score4

Asset Turnover0.02

Health

		Industry Rank	Sector Rank
Debt/Equity	0.02
Debt/FCF	N/A
Debt/EBITDA	N/A
Cap/Depr	N/A
Cap/Sales	N/A
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	N/A
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score4

WACC6.27%

ROIC/WACCN/A

Cap/Depr(3y)97.77%

Cap/Depr(5y)99.65%

Cap/Sales(3y)2.1%

Cap/Sales(5y)2.23%

Profit Quality(3y)N/A

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)-0.1%

EPS 3Y-6.76%

EPS 5Y-1.63%

EPS Q2Q%8.2%

EPS Next YN/A

EPS Next 2YN/A

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)-2.48%

Revenue growth 3Y0.57%

Revenue growth 5Y2.09%

Sales Q2Q%0.85%

Revenue Next YearN/A

Revenue Next 2YN/A

Revenue Next 3YN/A

Revenue Next 5YN/A

EBIT growth 1YN/A

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y77.04%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y76.86%

OCF growth 3YN/A

OCF growth 5YN/A

CRCAM DU LANGUEDOC / CRLA.PA FAQ

Can you provide the ChartMill fundamental rating for CRCAM DU LANGUEDOC?

ChartMill assigns a fundamental rating of 2 / 10 to CRLA.PA.

What is the valuation status for CRLA stock?

ChartMill assigns a valuation rating of 2 / 10 to CRCAM DU LANGUEDOC (CRLA.PA). This can be considered as Overvalued.

Can you provide the profitability details for CRCAM DU LANGUEDOC?

CRCAM DU LANGUEDOC (CRLA.PA) has a profitability rating of 2 / 10.

Can you provide the PE and PB ratios for CRLA stock?

The Price/Earnings (PE) ratio for CRCAM DU LANGUEDOC (CRLA.PA) is 8.7 and the Price/Book (PB) ratio is 0.03.

Is the dividend of CRCAM DU LANGUEDOC sustainable?

The dividend rating of CRCAM DU LANGUEDOC (CRLA.PA) is 4 / 10 and the dividend payout ratio is 0%.

CRCAM DU LANGUEDOC (CRLA.PA) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens

CRCAM DU LANGUEDOC / CRLA.PA FAQ

Can you provide the ChartMill fundamental rating for CRCAM DU LANGUEDOC?

What is the valuation status for CRLA stock?

Can you provide the profitability details for CRCAM DU LANGUEDOC?

Can you provide the PE and PB ratios for CRLA stock?

Is the dividend of CRCAM DU LANGUEDOC sustainable?