Caisse Régionale de Crédit Agricole Mutuel du Languedoc Société coopérative (EPA:CRLA)

EPA:CRLA Statistics

Total Valuation

EPA:CRLA has a market cap or net worth of EUR 1.51 billion.

Market Cap	1.51B
Enterprise Value	n/a

Important Dates

The last earnings date was Friday, November 7, 2025.

Earnings Date	Nov 7, 2025
Ex-Dividend Date	Apr 15, 2025

Share Statistics

EPA:CRLA has 19.77 million shares outstanding. The number of shares has decreased by -0.03% in one year.

Current Share Class	1.80M
Shares Outstanding	19.77M
Shares Change (YoY)	-0.03%
Shares Change (QoQ)	+0.03%
Owned by Insiders (%)	n/a
Owned by Institutions (%)	0.62%
Float	1.80M

Valuation Ratios

The trailing PE ratio is 8.21.

PE Ratio	8.21
Forward PE	n/a
PS Ratio	2.57
PB Ratio	0.26
P/TBV Ratio	0.26
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	n/a
EV / Sales	n/a
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	n/a

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	-1.17
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 3.37%.

Return on Equity (ROE)	3.37%
Return on Assets (ROA)	0.52%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	236,368
Profits Per Employee	73,905
Employee Count	2,595
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, EPA:CRLA has paid 34.02 million in taxes.

Income Tax	34.02M
Effective Tax Rate	15.54%

Stock Price Statistics

The stock price has increased by +49.05% in the last 52 weeks. The beta is 0.71, so EPA:CRLA's price volatility has been lower than the market average.

Beta (5Y)	0.71
52-Week Price Change	+49.05%
50-Day Moving Average	83.65
200-Day Moving Average	69.07
Relative Strength Index (RSI)	30.83
Average Volume (20 Days)	776

Short Selling Information

Short Interest	n/a
Short Previous Month	n/a
Short % of Shares Out	n/a
Short % of Float	n/a
Short Ratio (days to cover)	n/a

Income Statement

In the last 12 months, EPA:CRLA had revenue of EUR 589.27 million and earned 184.24 million in profits. Earnings per share was 9.32.

Revenue	589.27M
Gross Profit	589.27M
Operating Income	218.99M
Pretax Income	218.99M
Net Income	184.24M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	9.32

Balance Sheet

The company has 431.10 million in cash and 382.40 million in debt, giving a net cash position of 48.70 million or 2.46 per share.

Cash & Cash Equivalents	431.10M
Total Debt	382.40M
Net Cash	48.70M
Net Cash Per Share	2.46
Equity (Book Value)	5.73B
Book Value Per Share	288.96
Working Capital	-28.04B

Cash Flow

In the last 12 months, operating cash flow was -322.74 million and capital expenditures -4.93 million, giving a free cash flow of -327.67 million.

Operating Cash Flow	-322.74M
Capital Expenditures	-4.93M
Free Cash Flow	-327.67M
FCF Per Share	-16.57

Margins

Gross Margin	n/a
Operating Margin	37.16%
Pretax Margin	37.16%
Profit Margin	31.27%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of 2.66, which amounts to a dividend yield of 3.48%.

Dividend Per Share	2.66
Dividend Yield	3.48%
Dividend Growth (YoY)	-2.92%
Years of Dividend Growth	n/a
Payout Ratio	15.14%
Buyback Yield	0.03%
Shareholder Yield	3.51%
Earnings Yield	12.18%
FCF Yield	-21.67%

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

This stock does not have any record of stock splits.

Last Split Date	n/a
Split Type	n/a
Split Ratio	n/a

Scores

Altman Z-Score	n/a
Piotroski F-Score	2