Logo image of CRLA.PA

CRCAM DU LANGUEDOC (CRLA.PA) Stock Fundamental Analysis

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

61.5  -0.79 (-1.27%)

Fundamental Rating

2

Taking everything into account, CRLA scores 2 out of 10 in our fundamental rating. CRLA was compared to 93 industry peers in the Banks industry. CRLA has a bad profitability rating. Also its financial health evaluation is rather negative. CRLA is valued expensive and it does not seem to be growing.


Dividend Valuation Growth Profitability Health

Quickly go to:

2

1. Profitability

1.1 Basic Checks

CRLA had positive earnings in the past year.
CRLA had a negative operating cash flow in the past year.
Each year in the past 5 years CRLA has been profitable.
In multiple years CRLA reported negative operating cash flow during the last 5 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 0 500M -500M

1.2 Ratios

CRLA has a Return On Assets of 0.52%. This is in the lower half of the industry: CRLA underperforms 61.29% of its industry peers.
CRLA has a worse Return On Equity (3.48%) than 76.34% of its industry peers.
Industry RankSector Rank
ROA 0.52%
ROE 3.48%
ROIC N/A
ROA(3y)0.57%
ROA(5y)0.57%
ROE(3y)4.18%
ROE(5y)4.08%
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 1 2 3 4 5

1.3 Margins

The Profit Margin of CRLA (24.58%) is better than 63.44% of its industry peers.
CRLA's Profit Margin has declined in the last couple of years.
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) 24.58%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y1.15%
PM growth 5Y-2.81%
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 10 20 30

More info and screens

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
The debt/assets ratio for CRLA is higher compared to a year ago.
CRLA.PA Yearly Shares OutstandingCRLA.PA Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 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 10B 20B 30B

2.2 Solvency

A Debt/Equity ratio of 0.03 indicates that CRLA is not too dependend on debt financing.
CRLA has a Debt to Equity ratio of 0.03. This is amongst the best in the industry. CRLA outperforms 95.70% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.03
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC6.12%
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 0 1B 2B 3B 4B 5B

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 1B 2B 3B

More info and screens

2

3. Growth

3.1 Past

The Earnings Per Share has been growing slightly by 1.23% over the past year.
The Earnings Per Share has been growing slightly by 0.15% on average over the past years.
CRLA shows a small growth in Revenue. In the last year, the Revenue has grown by 2.36%.
The Revenue has been growing slightly by 2.99% on average over the past years.
EPS 1Y (TTM)1.23%
EPS 3Y8.92%
EPS 5Y0.15%
EPS Q2Q%5.93%
Revenue 1Y (TTM)2.36%
Revenue growth 3Y7.67%
Revenue growth 5Y2.99%
Sales Q2Q%2.54%

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

More info and screens

2

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 6.68, the valuation of CRLA can be described as very cheap.
Based on the Price/Earnings ratio, CRLA is valued cheaply inside the industry as 86.02% of the companies are valued more expensively.
The average S&P500 Price/Earnings ratio is at 29.35. CRLA is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 6.68
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

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)43.2
EPS Next 2YN/A
EPS Next 3YN/A

More info and screens

5

5. Dividend

5.1 Amount

CRLA has a Yearly Dividend Yield of 4.40%, which is a nice return.
Compared to an average industry Dividend Yield of 5.02, CRLA has a dividend in line with its industry peers.
CRLA's Dividend Yield is rather good when compared to the S&P500 average which is at 2.33.
Industry RankSector Rank
Dividend Yield 4.4%

5.2 History

The dividend of CRLA has a limited annual growth rate of 2.79%.
Dividend Growth(5Y)2.79%
Div Incr Years2
Div Non Decr Years2
CRLA.PA Yearly Dividends per shareCRLA.PA Yearly Dividends per shareYearly Dividends per share 2019 2021 2022 2023 2024 0.5 1 1.5 2 2.5

5.3 Sustainability

CRLA's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
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 0 500M -500M

More info and screens

CRCAM DU LANGUEDOC

EPA:CRLA (3/7/2025, 7:00:00 PM)

61.5

-0.79 (-1.27%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-24 2025-01-24
Earnings (Next)04-30 2025-04-30
Inst Owners10.15%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap110.70M
Analysts78.18
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 4.4%
Yearly Dividend1.07
Dividend Growth(5Y)2.79%
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 6.68
Fwd PE N/A
P/S 0.15
P/FCF N/A
P/OCF N/A
P/B 0.02
P/tB 0.02
EV/EBITDA N/A
EPS(TTM)9.21
EY14.98%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)-320.33
FCFYN/A
OCF(TTM)-316.83
OCFYN/A
SpS411.32
BVpS2904.66
TBVpS2904.66
PEG (NY)N/A
PEG (5Y)43.2
Profitability
Industry RankSector Rank
ROA 0.52%
ROE 3.48%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 24.58%
GM N/A
FCFM N/A
ROA(3y)0.57%
ROA(5y)0.57%
ROE(3y)4.18%
ROE(5y)4.08%
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 3Y1.15%
PM growth 5Y-2.81%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.02
Health
Industry RankSector Rank
Debt/Equity 0.03
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-Score5
WACC6.12%
ROIC/WACCN/A
Cap/Depr(3y)125.94%
Cap/Depr(5y)117.7%
Cap/Sales(3y)2.75%
Cap/Sales(5y)2.53%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)1.23%
EPS 3Y8.92%
EPS 5Y0.15%
EPS Q2Q%5.93%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)2.36%
Revenue growth 3Y7.67%
Revenue growth 5Y2.99%
Sales Q2Q%2.54%
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-300.68%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-293.57%
OCF growth 3YN/A
OCF growth 5YN/A