CA LOIRE-HAUTE-LOIRE-CCI (CRLO.PA) Stock Fundamental Analysis

EPA:CRLO • FR0000045239

100.5 EUR
-0.5 (-0.5%)
Last: Feb 16, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership
Fundamental Rating

2

Overall CRLO gets a fundamental rating of 2 out of 10. We evaluated CRLO against 110 industry peers in the Banks industry. Both the profitability and financial health of CRLO have multiple concerns. CRLO has a expensive valuation and it also scores bad on growth.


Dividend Valuation Growth Profitability Health

1

1. Profitability

1.1 Basic Checks

  • CRLO had positive earnings in the past year.
  • CRLO had a negative operating cash flow in the past year.
  • Each year in the past 5 years CRLO has been profitable.
  • In multiple years CRLO reported negative operating cash flow during the last 5 years.
CRLO.PA Yearly Net Income VS EBIT VS OCF VS FCFCRLO.PA Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 200M -200M 400M -400M 600M

1.2 Ratios

  • Looking at the Return On Assets, with a value of 0.52%, CRLO is doing worse than 70.91% of the companies in the same industry.
  • CRLO's Return On Equity of 2.73% is on the low side compared to the rest of the industry. CRLO is outperformed by 86.36% of its industry peers.
Industry RankSector Rank
ROA 0.52%
ROE 2.73%
ROIC N/A
ROA(3y)0.51%
ROA(5y)0.54%
ROE(3y)2.9%
ROE(5y)3.13%
ROIC(3y)N/A
ROIC(5y)N/A
CRLO.PA Yearly ROA, ROE, ROICCRLO.PA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6

1.3 Margins

  • CRLO has a Profit Margin of 17.69%. This is in the lower half of the industry: CRLO underperforms 78.18% of its industry peers.
  • In the last couple of years the Profit Margin of CRLO has declined.
  • The Operating Margin and Gross Margin are not available for CRLO so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 17.69%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-6.9%
PM growth 5Y-4.19%
GM growth 3YN/A
GM growth 5YN/A
CRLO.PA Yearly Profit, Operating, Gross MarginsCRLO.PA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20

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ROAROEROICOperating and Profit MarginShow most profitable peers

2

2. Health

2.1 Basic Checks

  • CRLO does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • CRLO has about the same amout of shares outstanding than it did 1 year ago.
  • CRLO has about the same amout of shares outstanding than it did 5 years ago.
  • The debt/assets ratio for CRLO is higher compared to a year ago.
CRLO.PA Yearly Shares OutstandingCRLO.PA Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2M 4M 6M 8M
CRLO.PA Yearly Total Debt VS Total AssetsCRLO.PA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B 15B

2.2 Solvency

  • A Debt/Equity ratio of 0.01 indicates that CRLO is not too dependend on debt financing.
  • CRLO has a better Debt to Equity ratio (0.01) than 95.45% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.01
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC7.08%
CRLO.PA Yearly LT Debt VS Equity VS FCFCRLO.PA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 1B 2B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
CRLO.PA Yearly Current Assets VS Current LiabilitesCRLO.PA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 1M 2M 3M 4M 5M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

1

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an nice 17.34% over the past year.
  • Measured over the past years, CRLO shows a decrease in Earnings Per Share. The EPS has been decreasing by -3.28% on average per year.
  • The Revenue has decreased by -4.35% in the past year.
  • The Revenue has been growing slightly by 0.94% on average over the past years.
EPS 1Y (TTM)17.34%
EPS 3Y-6.67%
EPS 5Y-3.28%
EPS Q2Q%4.87%
Revenue 1Y (TTM)-4.35%
Revenue growth 3Y0.23%
Revenue growth 5Y0.94%
Sales Q2Q%-3.61%

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.
CRLO.PA Yearly Revenue VS EstimatesCRLO.PA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M

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2

4. Valuation

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 10.17, the valuation of CRLO can be described as very reasonable.
  • Compared to the rest of the industry, the Price/Earnings ratio of CRLO indicates a somewhat cheap valuation: CRLO is cheaper than 68.18% of the companies listed in the same industry.
  • CRLO is valuated cheaply when we compare the Price/Earnings ratio to 27.19, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 10.17
Fwd PE N/A
CRLO.PA Price Earnings VS Forward Price EarningsCRLO.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
CRLO.PA Per share dataCRLO.PA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 1K 2K

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

3

5. Dividend

5.1 Amount

  • CRLO has a Yearly Dividend Yield of 2.82%.
  • Compared to an average industry Dividend Yield of 4.33, CRLO is paying slightly less dividend.
  • Compared to an average S&P500 Dividend Yield of 1.82, CRLO pays a better dividend.
Industry RankSector Rank
Dividend Yield 2.82%

5.2 History

Dividend Growth(5Y)N/A
Div Incr Years1
Div Non Decr Years1
CRLO.PA Yearly Dividends per shareCRLO.PA Yearly Dividends per shareYearly Dividends per share 2019 2020 2021 2022 2023 2024 2025 1 2 3 4 5

5.3 Sustainability

DP0%
EPS Next 2YN/A
EPS Next 3YN/A
CRLO.PA Yearly Income VS Free CF VS DividendCRLO.PA Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 200M -200M 400M -400M 600M

More info and screens

Find the best dividend stocksShow peers with best dividend

CA LOIRE-HAUTE-LOIRE-CCI

EPA:CRLO (2/16/2026, 7:00:00 PM)

100.5

-0.5 (-0.5%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-02
Earnings (Next)07-27
Inst Owners5.51%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap100.50M
Revenue(TTM)452.67M
Net Income(TTM)80.08M
AnalystsN/A
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 2.82%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DP0%
Div Incr Years1
Div Non Decr Years1
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 10.17
Fwd PE N/A
P/S 0.22
P/FCF N/A
P/OCF N/A
P/B 0.03
P/tB 0.03
EV/EBITDA N/A
EPS(TTM)9.88
EY9.83%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)-101.37
FCFYN/A
OCF(TTM)-78.93
OCFYN/A
SpS452.67
BVpS2931.55
TBVpS2879.48
PEG (NY)N/A
PEG (5Y)N/A
Graham Number807.27
Profitability
Industry RankSector Rank
ROA 0.52%
ROE 2.73%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 17.69%
GM N/A
FCFM N/A
ROA(3y)0.51%
ROA(5y)0.54%
ROE(3y)2.9%
ROE(5y)3.13%
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-6.9%
PM growth 5Y-4.19%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.01
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 156.26%
Cap/Sales 4.96%
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-Score5
WACC7.08%
ROIC/WACCN/A
Cap/Depr(3y)121.68%
Cap/Depr(5y)157.19%
Cap/Sales(3y)3.36%
Cap/Sales(5y)4.29%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)17.34%
EPS 3Y-6.67%
EPS 5Y-3.28%
EPS Q2Q%4.87%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-4.35%
Revenue growth 3Y0.23%
Revenue growth 5Y0.94%
Sales Q2Q%-3.61%
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 1Y83.15%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y86.59%
OCF growth 3YN/A
OCF growth 5YN/A

CA LOIRE-HAUTE-LOIRE-CCI / CRLO.PA FAQ

Can you provide the ChartMill fundamental rating for CA LOIRE-HAUTE-LOIRE-CCI?

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


Can you provide the valuation status for CA LOIRE-HAUTE-LOIRE-CCI?

ChartMill assigns a valuation rating of 2 / 10 to CA LOIRE-HAUTE-LOIRE-CCI (CRLO.PA). This can be considered as Overvalued.


What is the profitability of CRLO stock?

CA LOIRE-HAUTE-LOIRE-CCI (CRLO.PA) has a profitability rating of 1 / 10.


How financially healthy is CA LOIRE-HAUTE-LOIRE-CCI?

The financial health rating of CA LOIRE-HAUTE-LOIRE-CCI (CRLO.PA) is 2 / 10.