Caisse Régionale de Crédit Agricole Mutuel Loire Haute-Loire Société coopérative (EPA:CRLO)

EPA:CRLO Statistics

Total Valuation

EPA:CRLO has a market cap or net worth of EUR 754.25 million.

Market Cap	754.25M
Enterprise Value	n/a

Important Dates

The next estimated earnings date is Thursday, June 25, 2026.

Earnings Date	Jun 25, 2026
Ex-Dividend Date	Jun 3, 2026

Share Statistics

EPA:CRLO has 8.07 million shares outstanding. The number of shares has decreased by -0.45% in one year.

Current Share Class	959,293
Shares Outstanding	8.07M
Shares Change (YoY)	-0.45%
Shares Change (QoQ)	-0.92%
Owned by Insiders (%)	n/a
Owned by Institutions (%)	n/a
Float	n/a

Valuation Ratios

The trailing PE ratio is 11.94.

PE Ratio	11.94
Forward PE	n/a
PS Ratio	2.00
PB Ratio	0.25
P/TBV Ratio	0.25
P/FCF Ratio	12.06
P/OCF Ratio	8.70
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	2.95
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 2.15%.

Return on Equity (ROE)	2.15%
Return on Assets (ROA)	0.41%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Weighted Average Cost of Capital (WACC)	6.14%
Revenue Per Employee	7,382
Profits Per Employee	1,236
Employee Count	51,100
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, EPA:CRLO has paid 9.44 million in taxes.

Income Tax	9.44M
Effective Tax Rate	13.01%

Stock Price Statistics

The stock price has increased by +36.67% in the last 52 weeks. The beta is 0.62, so EPA:CRLO's price volatility has been lower than the market average.

Beta (5Y)	0.62
52-Week Price Change	+36.67%
50-Day Moving Average	99.12
200-Day Moving Average	92.88
Relative Strength Index (RSI)	39.58
Average Volume (20 Days)	645

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:CRLO had revenue of EUR 377.23 million and earned 63.16 million in profits. Earnings per share was 7.83.

Revenue	377.23M
Gross Profit	377.23M
Operating Income	73.72M
Pretax Income	72.60M
Net Income	63.16M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	7.83

Balance Sheet

The company has 139.24 million in cash and 184.42 million in debt, with a net cash position of -45.18 million or -5.60 per share.

Cash & Cash Equivalents	139.24M
Total Debt	184.42M
Net Cash	-45.18M
Net Cash Per Share	-5.60
Equity (Book Value)	3.06B
Book Value Per Share	379.01
Working Capital	-10.40B

Cash Flow

In the last 12 months, operating cash flow was 86.73 million and capital expenditures -24.18 million, giving a free cash flow of 62.54 million.

Operating Cash Flow	86.73M
Capital Expenditures	-24.18M
Depreciation & Amortization	n/a
Net Borrowing	-10.41M
Free Cash Flow	62.54M
FCF Per Share	7.75

Margins

Gross Margin	n/a
Operating Margin	19.54%
Pretax Margin	19.25%
Profit Margin	16.74%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	16.58%

Dividends & Yields

This stock pays an annual dividend of 2.90, which amounts to a dividend yield of 2.99%.

Dividend Per Share	2.90
Dividend Yield	2.99%
Dividend Growth (YoY)	2.47%
Years of Dividend Growth	1
Payout Ratio	26.35%
Buyback Yield	0.45%
Shareholder Yield	3.44%
Earnings Yield	8.37%
FCF Yield	8.29%

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

The last stock split was on November 19, 1998. It was a forward split with a ratio of 1.10011.

Last Split Date	Nov 19, 1998
Split Type	Forward
Split Ratio	1.10011

Scores

Altman Z-Score	n/a
Piotroski F-Score	4