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

EPA:CRLO • FR0000045239

Current stock price

93.5 EUR
-3.5 (-3.61%)
Last:

This CRLO.PA fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

1

1. CRLO.PA Profitability Analysis

1.1 Basic Checks

  • CRLO had positive earnings in the past year.
  • In the past year CRLO has reported a negative cash flow from operations.
  • In the past 5 years CRLO has always 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

  • CRLO has a worse Return On Assets (0.52%) than 68.47% of its industry peers.
  • Looking at the Return On Equity, with a value of 2.73%, CRLO is doing worse than 86.49% of the companies in the same industry.
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's Profit Margin of 17.69% is on the low side compared to the rest of the industry. CRLO is outperformed by 75.68% of its industry peers.
  • CRLO's Profit Margin has declined in the last couple of years.
  • 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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2

2. CRLO.PA Health Analysis

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

  • CRLO has a Debt/Equity ratio of 0.01. This is a healthy value indicating a solid balance between debt and equity.
  • CRLO has a Debt to Equity ratio of 0.01. This is amongst the best in the industry. CRLO outperforms 95.50% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.01
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC6.91%
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. CRLO.PA Growth Analysis

3.1 Past

  • CRLO shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 17.34%, which is quite good.
  • 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.
  • CRLO shows a decrease in Revenue. In the last year, the revenue decreased by -4.35%.
  • CRLO shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 0.94% yearly.
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. CRLO.PA Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 9.46, the valuation of CRLO can be described as reasonable.
  • CRLO's Price/Earnings ratio is a bit cheaper when compared to the industry. CRLO is cheaper than 70.27% of the companies in the same industry.
  • CRLO is valuated cheaply when we compare the Price/Earnings ratio to 25.60, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 9.46
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

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

3

5. CRLO.PA Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 2.99%, CRLO has a reasonable but not impressive dividend return.
  • CRLO's Dividend Yield is slightly below the industry average, which is at 4.83.
  • CRLO's Dividend Yield is rather good when compared to the S&P500 average which is at 1.90.
Industry RankSector Rank
Dividend Yield 2.99%

5.2 History

Dividend Growth(5Y)N/A
Div Incr Years2
Div Non Decr Years2
CRLO.PA Yearly Dividends per shareCRLO.PA Yearly Dividends per shareYearly Dividends per share 2019 2020 2021 2022 2023 2024 2025 2026 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

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CRLO.PA Fundamentals: All Metrics, Ratios and Statistics

CA LOIRE-HAUTE-LOIRE-CCI

EPA:CRLO (4/2/2026, 7:00:00 PM)

93.5

-3.5 (-3.61%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-02
Earnings (Next)07-27
Inst Owners5.4%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap93.50M
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 2.99%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DP0%
Div Incr Years2
Div Non Decr Years2
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 9.46
Fwd PE N/A
P/S 0.21
P/FCF N/A
P/OCF N/A
P/B 0.03
P/tB 0.03
EV/EBITDA N/A
EPS(TTM)9.88
EY10.57%
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
WACC6.91%
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 Fundamental Analysis 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.


Can you provide the profitability details for CA LOIRE-HAUTE-LOIRE-CCI?

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


What are the PE and PB ratios of CA LOIRE-HAUTE-LOIRE-CCI (CRLO.PA) stock?

The Price/Earnings (PE) ratio for CA LOIRE-HAUTE-LOIRE-CCI (CRLO.PA) is 9.46 and the Price/Book (PB) ratio is 0.03.