CRLO Fundamental Analysis - CA LOIRE-HAUTE-LOIRE-CCI

Fundamental Rating

Taking everything into account, CRLO scores 2 out of 10 in our fundamental rating. CRLO was compared to 118 industry peers in the Banks industry. CRLO has a bad profitability rating. Also its financial health evaluation is rather negative. CRLO has a expensive valuation and it also scores bad on growth.

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1. Profitability

1.1 Basic Checks

In the past year CRLO was profitable.
CRLO had a negative operating cash flow in the past year.
In the past 5 years CRLO has always been profitable.
The reported operating cash flow has been mixed in the past 5 years: CRLO reported negative operating cash flow in multiple years.

1.2 Ratios

CRLO's Return On Assets of 0.52% is on the low side compared to the rest of the industry. CRLO is outperformed by 66.95% of its industry peers.
The Return On Equity of CRLO (2.73%) is worse than 86.44% of its industry peers.

		Industry Rank	Sector 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

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 76.27% 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 Rank	Sector 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

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ROA

ROE

ROIC

Operating and Profit Margin

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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.
Compared to 5 years ago, CRLO has about the same amount of shares outstanding.
The debt/assets ratio for CRLO is higher compared to a year ago.

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 97.46% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.01
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC7.04%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

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.
CRLO shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -3.28% yearly.
CRLO shows a decrease in Revenue. In the last year, the revenue decreased by -4.35%.
Measured over the past years, CRLO shows a small growth in Revenue. The Revenue has been growing by 0.94% on average per year.

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.

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4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 11.06, the valuation of CRLO can be described as very reasonable.
Based on the Price/Earnings ratio, CRLO is valued a bit cheaper than 71.19% of the companies in the same industry.
CRLO's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.54.

		Industry Rank	Sector Rank
PE	11.06
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

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5. Dividend

5.1 Amount

CRLO has a Yearly Dividend Yield of 2.83%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 4.05, CRLO is paying slightly less dividend.
CRLO's Dividend Yield is a higher than the S&P500 average which is at 1.92.

		Industry Rank	Sector Rank
Dividend Yield	2.83%

5.2 History

Dividend Growth(5Y)N/A

Div Incr Years1

Div Non Decr Years1

5.3 Sustainability

DP0%

EPS Next 2YN/A

EPS Next 3YN/A

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CA LOIRE-HAUTE-LOIRE-CCI

EPA:CRLO (1/16/2026, 11:46:50 AM)

109.25

+2.75 (+2.58%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)07-28 2025-07-28

Earnings (Next)02-02 2026-02-02

Inst Owners5.51%

Inst Owner ChangeN/A

Ins OwnersN/A

Ins Owner ChangeN/A

Market Cap109.25M

Revenue(TTM)452.67M

Net Income(TTM)80.08M

AnalystsN/A

Price TargetN/A

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	2.83%

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 Rank	Sector Rank
PE	11.06
Fwd PE	N/A
P/S	0.24
P/FCF	N/A
P/OCF	N/A
P/B	0.04
P/tB	0.04
EV/EBITDA	N/A

EPS(TTM)9.88

EY9.04%

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 Rank	Sector 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 Rank	Sector 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

WACC7.04%

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.

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

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens

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

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

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

What is the profitability of CRLO stock?

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