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CRCAM DU LANGUEDOC (CRLA.PA) Stock Fundamental Analysis

EPA:CRLA - Euronext Paris - Matif - FR0010461053 - Common Stock - Currency: EUR

71.6  +0.1 (+0.14%)

Fundamental Rating

2

CRLA gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 91 industry peers in the Banks industry. CRLA may be in some trouble as it scores bad on both profitability and health. CRLA is valued expensive and it does not seem to be growing.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

In the past year CRLA was profitable.
CRLA had a negative operating cash flow in the past year.
In the past 5 years CRLA has always been profitable.
The reported operating cash flow has been mixed in the past 5 years: CRLA reported negative operating cash flow in multiple years.
CRLA.PA Yearly Net Income VS EBIT VS OCF VS FCFCRLA.PA Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 500M -500M

1.2 Ratios

The Return On Assets of CRLA (0.48%) is worse than 63.74% of its industry peers.
Looking at the Return On Equity, with a value of 3.19%, CRLA is doing worse than 81.32% of the companies in the same industry.
Industry RankSector Rank
ROA 0.48%
ROE 3.19%
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
CRLA.PA Yearly ROA, ROE, ROICCRLA.PA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1 2 3 4 5

1.3 Margins

CRLA's Profit Margin of 24.19% is fine compared to the rest of the industry. CRLA outperforms 68.13% 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 RankSector Rank
OM N/A
PM (TTM) 24.19%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-6.91%
PM growth 5Y-3.43%
GM growth 3YN/A
GM growth 5YN/A
CRLA.PA Yearly Profit, Operating, Gross MarginsCRLA.PA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

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2

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.
Compared to 5 years ago, CRLA has less shares outstanding
CRLA has a worse debt/assets ratio than last year.
CRLA.PA Yearly Shares OutstandingCRLA.PA Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M
CRLA.PA Yearly Total Debt VS Total AssetsCRLA.PA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10B 20B 30B

2.2 Solvency

CRLA has a Debt/Equity ratio of 0.03. This is a healthy value indicating a solid balance between debt and equity.
With an excellent Debt to Equity ratio value of 0.03, CRLA belongs to the best of the industry, outperforming 94.51% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.03
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC6.07%
CRLA.PA Yearly LT Debt VS Equity VS FCFCRLA.PA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2B 4B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
CRLA.PA Yearly Current Assets VS Current LiabilitesCRLA.PA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B 4B

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1

3. Growth

3.1 Past

The earnings per share for CRLA have decreased by -1.25% in the last year.
Measured over the past years, CRLA shows a decrease in Earnings Per Share. The EPS has been decreasing by -1.36% on average per year.
Looking at the last year, CRLA shows a decrease in Revenue. The Revenue has decreased by -1.92% in the last year.
Measured over the past years, CRLA shows a small growth in Revenue. The Revenue has been growing by 2.09% on average per year.
EPS 1Y (TTM)-1.25%
EPS 3Y-6.34%
EPS 5Y-1.36%
EPS Q2Q%-12.91%
Revenue 1Y (TTM)-1.92%
Revenue growth 3Y0.57%
Revenue growth 5Y2.09%
Sales Q2Q%-6.26%

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.
CRLA.PA Yearly Revenue VS EstimatesCRLA.PA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M

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4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 8.16, the valuation of CRLA can be described as very reasonable.
Based on the Price/Earnings ratio, CRLA is valued cheaper than 80.22% of the companies in the same industry.
CRLA is valuated cheaply when we compare the Price/Earnings ratio to 26.54, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 8.16
Fwd PE N/A
CRLA.PA Price Earnings VS Forward Price EarningsCRLA.PA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
CRLA.PA Per share dataCRLA.PA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 1K 2K 3K

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 3.97%, CRLA has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 5.02, CRLA is paying slightly less dividend.
Compared to an average S&P500 Dividend Yield of 2.40, CRLA pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.97%

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
CRLA.PA Yearly Dividends per shareCRLA.PA Yearly Dividends per shareYearly Dividends per share 2019 2021 2022 2023 2024 2025 0.5 1 1.5 2 2.5

5.3 Sustainability

DP0%
EPS Next 2YN/A
EPS Next 3YN/A
CRLA.PA Yearly Income VS Free CF VS DividendCRLA.PA Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 500M -500M

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CRCAM DU LANGUEDOC

EPA:CRLA (8/8/2025, 5:29:53 PM)

71.6

+0.1 (+0.14%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-31 2025-07-31
Earnings (Next)10-30 2025-10-30
Inst Owners9.85%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap128.88M
Analysts78.18
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 3.97%
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 RankSector Rank
PE 8.16
Fwd PE N/A
P/S 0.18
P/FCF N/A
P/OCF N/A
P/B 0.02
P/tB 0.02
EV/EBITDA N/A
EPS(TTM)8.77
EY12.25%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)-420.26
FCFYN/A
OCF(TTM)-417.84
OCFYN/A
SpS398.09
BVpS3021.66
TBVpS3021.66
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.48%
ROE 3.19%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 24.19%
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
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-6.91%
PM growth 5Y-3.43%
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0.02
Health
Industry RankSector Rank
Debt/Equity 0.03
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 28.34%
Cap/Sales 0.61%
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
WACC6.07%
ROIC/WACCN/A
Cap/Depr(3y)97.89%
Cap/Depr(5y)99.71%
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)-1.25%
EPS 3Y-6.34%
EPS 5Y-1.36%
EPS Q2Q%-12.91%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-1.92%
Revenue growth 3Y0.57%
Revenue growth 5Y2.09%
Sales Q2Q%-6.26%
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 1Y-56.15%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-61.95%
OCF growth 3YN/A
OCF growth 5YN/A