CRCAM DU LANGUEDOC (CRLA.PA) Stock Fundamental Analysis
Europe - EPA:CRLA - FR0010461053 - Common Stock
76.5 EUR
-0.3 (-0.39%)
Taking everything into account, CRLA scores 2 out of 10 in our fundamental rating. CRLA was compared to 96 industry peers in the Banks industry. CRLA has a bad profitability rating. Also its financial health evaluation is rather negative. CRLA has a expensive valuation and it also scores bad on growth.
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 Return On Assets of 0.51%. This is in the lower half of the industry: CRLA underperforms 60.42% of its industry peers.
The Return On Equity of CRLA (3.23%) is worse than 76.04% 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
CRLA has a Profit Margin of 25.59%. This is in the better half of the industry: CRLA outperforms 65.63% of its industry peers.
In the last couple of years the Profit Margin of CRLA has declined.
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-6.91%
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.
The number of shares outstanding for CRLA remains at a similar level compared to 1 year ago.
The number of shares outstanding for CRLA has been reduced compared to 5 years ago.
CRLA has a worse debt/assets ratio than last year.
2.2 Solvency
A Debt/Equity ratio of 0.02 indicates that CRLA is not too dependend on debt financing.
The Debt to Equity ratio of CRLA (0.02) is better than 94.79% 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 |
3. Growth
3.1 Past
CRLA shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 1.14%.
The Earnings Per Share has been decreasing by -1.36% on average over the past years.
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)1.14%
EPS 3Y-6.34%
EPS 5Y-1.36%
EPS Q2Q%9.3%
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
With a Price/Earnings ratio of 8.22, the valuation of CRLA can be described as very reasonable.
Based on the Price/Earnings ratio, CRLA is valued cheaply inside the industry as 84.38% of the companies are valued more expensively.
CRLA is valuated cheaply when we compare the Price/Earnings ratio to 25.47, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.22 | ||
| 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
CRLA has a Yearly Dividend Yield of 3.09%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 4.79, CRLA is paying slightly less dividend.
CRLA's Dividend Yield is a higher than the S&P500 average which is at 2.44.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.09% |
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
EPA:CRLA (11/19/2025, 7:00:00 PM)
76.5
-0.3 (-0.39%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners9.44%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap137.70M
Revenue(TTM)719.89M
Net Income(TTM)184.24M
Analysts78.18
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.09% |
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 | 8.22 | ||
| Fwd PE | N/A | ||
| P/S | 0.19 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.02 | ||
| P/tB | 0.02 | ||
| EV/EBITDA | N/A |
EPS(TTM)9.31
EY12.17%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)-182.04
FCFYN/A
OCF(TTM)-179.3
OCFYN/A
SpS399.94
BVpS3173.82
TBVpS3173.82
PEG (NY)N/A
PEG (5Y)N/A
Graham Number815.38
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.51% | ||
| ROE | 3.23% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 25.59% | ||
| 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-6.91%
PM growth 5Y-3.43%
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)97.89%
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)1.14%
EPS 3Y-6.34%
EPS 5Y-1.36%
EPS Q2Q%9.3%
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 1Y77.06%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y76.88%
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 of CRCAM DU LANGUEDOC (CRLA.PA) stock?
ChartMill assigns a valuation rating of 2 / 10 to CRCAM DU LANGUEDOC (CRLA.PA). This can be considered as Overvalued.
What is the profitability of CRLA stock?
CRCAM DU LANGUEDOC (CRLA.PA) has a profitability rating of 2 / 10.
What are the PE and PB ratios of CRCAM DU LANGUEDOC (CRLA.PA) stock?
The Price/Earnings (PE) ratio for CRCAM DU LANGUEDOC (CRLA.PA) is 8.22 and the Price/Book (PB) ratio is 0.02.
What is the financial health of CRCAM DU LANGUEDOC (CRLA.PA) stock?
The financial health rating of CRCAM DU LANGUEDOC (CRLA.PA) is 2 / 10.