CRCAM DU LANGUEDOC (CRLA.PA) Stock Fundamental Analysis
Europe • Euronext Paris • EPA:CRLA • FR0010461053
80 EUR
-0.5 (-0.62%)
Last: Jan 29, 2026, 07:00 PM
Taking everything into account, CRLA scores 2 out of 10 in our fundamental rating. CRLA was compared to 114 industry peers in the Banks industry. CRLA has a bad profitability rating. Also its financial health evaluation is rather negative. CRLA is valued expensive and it does not seem to be growing.
1. Profitability
1.1 Basic Checks
- In the past year CRLA was profitable.
- 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 Return On Assets of 0.51%. This is in the lower half of the industry: CRLA underperforms 66.67% of its industry peers.
- The Return On Equity of CRLA (3.23%) is worse than 78.95% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.51% | ||
| ROE | 3.23% | ||
| 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
- Looking at the Profit Margin, with a value of 25.59%, CRLA is in the better half of the industry, outperforming 60.53% of the companies in the same industry.
- CRLA's Profit Margin has declined in the last couple of years.
- The Operating Margin and Gross Margin are not available for CRLA so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 25.59% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-6.9%
PM growth 5Y-3.43%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
- CRLA does not have a ROIC to compare to the WACC, probably because it is not profitable.
- Compared to 1 year ago, CRLA has about the same amount of shares outstanding.
- The number of shares outstanding for CRLA has been reduced compared to 5 years ago.
- Compared to 1 year ago, CRLA has a worse debt to assets ratio.
2.2 Solvency
- A Debt/Equity ratio of 0.02 indicates that CRLA is not too dependend on debt financing.
- With an excellent Debt to Equity ratio value of 0.02, CRLA belongs to the best of the industry, outperforming 93.86% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.02 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC6.34%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- The Earnings Per Share has been growing slightly by 1.09% over the past year.
- CRLA shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -1.36% yearly.
- The Revenue has decreased by -2.48% in the past year.
- CRLA shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 2.09% yearly.
EPS 1Y (TTM)1.09%
EPS 3Y-6.33%
EPS 5Y-1.36%
EPS Q2Q%9.28%
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.
4. Valuation
4.1 Price/Earnings Ratio
- A Price/Earnings ratio of 8.59 indicates a reasonable valuation of CRLA.
- 85.96% of the companies in the same industry are more expensive than CRLA, based on the Price/Earnings ratio.
- CRLA is valuated cheaply when we compare the Price/Earnings ratio to 28.39, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.59 | ||
| 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
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 3.33%, CRLA has a reasonable but not impressive dividend return.
- CRLA's Dividend Yield is comparable with the industry average which is at 3.93.
- CRLA's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.33% |
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
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 8.59 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%.