Upcoming Dividend • Apr 07
Upcoming dividend of €2.69 per share Eligible shareholders must have bought the stock before 14 April 2026. Payment date: 16 April 2026. Payout ratio is a comfortable 28% but the company is paying out more than the cash it is generating. Trailing yield: 3.4%. Lower than top quartile of French dividend payers (5.6%). Lower than average of industry peers (5.3%). Declared Dividend • Mar 15
Dividend increased to €2.69 Dividend of €2.69 is 1.1% higher than last year. Ex-date: 14th April 2026 Payment date: 16th April 2026 Dividend yield will be 3.4%, which is lower than the industry average of 7.2%. Sustainability & Growth The dividend has increased by an average of 1.5% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. Earnings per share has grown by 6.9% over the last 5 years. Unless this trend reverses, it should provide support to the dividend and adequate earnings cover. Announcement • Mar 13
Caisse Régionale de Crédit Agricole Mutuel du Languedoc Société coopérative announces Annual dividend, payable on April 16, 2026 Caisse Régionale de Crédit Agricole Mutuel du Languedoc Société coopérative announced Annual dividend of EUR 2.6900 per share payable on April 16, 2026, ex-date on April 14, 2026 and record date on April 15, 2026. Reported Earnings • Mar 12
Full year 2025 earnings released Full year 2025 results: Revenue: €608.9m (up 8.0% from FY 2024). Net income: €189.6m (up 9.4% from FY 2024). Profit margin: 31% (in line with FY 2024). Announcement • Mar 12
Caisse Régionale de Crédit Agricole Mutuel du Languedoc Société coopérative, Annual General Meeting, Mar 27, 2026 Caisse Régionale de Crédit Agricole Mutuel du Languedoc Société coopérative, Annual General Meeting, Mar 27, 2026. Location: avenue du montpellieret, maurin France New Risk • Mar 11
New major risk - Revenue and earnings growth Earnings have declined by 2.5% per year over the past 5 years. This is considered a major risk. Ultimately, shareholders want to see a good return on their investment and that generally comes from sharing in the company's profits. If profits are declining over an extended period, then in most cases the share price will decline over time unless the company can turn around its fortunes. A trend of falling earnings can be very difficult to turn around. If the company is well already established it may also be a sign the company has matured and is in decline. In addition, if the company pays dividends it will also likely need to reduce or cut them, striking a dual blow to total shareholder returns. This is currently the only risk that has been identified for the company. New Risk • Feb 17
New minor risk - Financial data availability The company's latest financial reports are more than 6 months old. Last reported fiscal period ended June 2025. This is considered a minor risk. If the company has not reported its earnings on time, it may have been delayed due to audit problems or it may be finding it difficult to reconcile its accounts. This is currently the only risk that has been identified for the company. Buy Or Sell Opportunity • Jan 15
Now 22% overvalued Over the last 90 days, the stock has fallen 3.8% to €84.00. The fair value is estimated to be €68.83, however this is not to be taken as a sell recommendation but rather should be used as a guide only. Revenue has declined by 4.0% over the last 3 years. Earnings per share has declined by 10%. Buy Or Sell Opportunity • Oct 03
Now 21% overvalued after recent price rise Over the last 90 days, the stock has risen 50% to €90.00. The fair value is estimated to be €74.61, however this is not to be taken as a sell recommendation but rather should be used as a guide only. Revenue has declined by 4.0% over the last 3 years. Earnings per share has declined by 10%. Buy Or Sell Opportunity • Aug 25
Now 21% overvalued after recent price rise Over the last 90 days, the stock has risen 48% to €91.49. The fair value is estimated to be €75.54, however this is not to be taken as a sell recommendation but rather should be used as a guide only. Revenue has declined by 4.0% over the last 3 years. Earnings per share has declined by 10%. Valuation Update With 7 Day Price Move • Aug 21
Investor sentiment improves as stock rises 18% After last week's 18% share price gain to €84.50, the stock trades at a trailing P/E ratio of 9.1x. Average trailing P/E is 9x in the Banks industry in France. Total returns to shareholders of 90% over the past three years. Reported Earnings • Aug 04
First half 2025 earnings released: EPS: €6.37 (vs €5.81 in 1H 2024) First half 2025 results: EPS: €6.37 (up from €5.81 in 1H 2024). Revenue: €340.5m (up 8.1% from 1H 2024). Net income: €125.8m (up 9.5% from 1H 2024). Profit margin: 37% (in line with 1H 2024). Over the last 3 years on average, earnings per share has fallen by 10% per year but the company’s share price has increased by 11% per year, which means it is well ahead of earnings. Upcoming Dividend • Apr 08
Upcoming dividend of €2.66 per share Eligible shareholders must have bought the stock before 15 April 2025. Payment date: 17 April 2025. Payout ratio is a comfortable 30% but the company is not cash flow positive. Trailing yield: 5.0%. Lower than top quartile of French dividend payers (5.9%). Lower than average of industry peers (6.4%). Declared Dividend • Mar 14
Dividend reduced to €2.66 Dividend of €2.66 is 2.9% lower than last year. Ex-date: 15th April 2025 Payment date: 17th April 2025 Dividend yield will be 4.4%, which is lower than the industry average of 7.2%. Sustainability & Growth The dividend has increased by an average of 1.6% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. Earnings per share has remained steady over the last 5 years. Unless this trend deteriorates, it should provide adequate earnings cover for the dividend. Announcement • Mar 13
Caisse Régionale de Crédit Agricole Mutuel du Languedoc Société coopérative announces Annual dividend, payable on April 17, 2025 Caisse Régionale de Crédit Agricole Mutuel du Languedoc Société coopérative announced Annual dividend of EUR 2.6600 per share payable on April 17, 2025, ex-date on April 15, 2025 and record date on April 16, 2025. Announcement • Mar 12
Caisse Régionale de Crédit Agricole Mutuel du Languedoc Société coopérative, Annual General Meeting, Mar 28, 2025 Caisse Régionale de Crédit Agricole Mutuel du Languedoc Société coopérative, Annual General Meeting, Mar 28, 2025. Location: avenue du montpellieret, maurin, lattes cedex France New Risk • Feb 18
New minor risk - Financial data availability The company's latest financial reports are more than 6 months old. Last reported fiscal period ended June 2024. This is considered a minor risk. If the company has not reported its earnings on time, it may have been delayed due to audit problems or it may be finding it difficult to reconcile its accounts. This is currently the only risk that has been identified for the company. Upcoming Dividend • Apr 09
Upcoming dividend of €2.74 per share Eligible shareholders must have bought the stock before 16 April 2024. Payment date: 18 April 2024. Trailing yield: 5.5%. Within top quartile of French dividend payers (5.5%). Lower than average of industry peers (6.5%). Upcoming Dividend • Apr 11
Upcoming dividend of €2.78 per share at 5.6% yield Eligible shareholders must have bought the stock before 18 April 2023. Payment date: 20 April 2023. Payout ratio is a comfortable 25% but the company is not cash flow positive. Trailing yield: 5.6%. Within top quartile of French dividend payers (5.5%). Lower than average of industry peers (7.6%). Reported Earnings • Mar 18
Full year 2022 earnings released Full year 2022 results: Revenue: €624.5m (up 2.2% from FY 2021). Net income: €217.7m (up 3.1% from FY 2021). Profit margin: 35% (in line with FY 2021). Upcoming Dividend • Apr 12
Upcoming dividend of €2.69 per share Eligible shareholders must have bought the stock before 19 April 2022. Payment date: 21 April 2022. Payout ratio is a comfortable 25% and this is well supported by cash flows. Trailing yield: 5.0%. Within top quartile of French dividend payers (5.0%). Lower than average of industry peers (8.0%). Reported Earnings • Mar 15
Full year 2021 earnings: Revenues in line with analyst expectations Full year 2021 results: Revenue: €611.0m (up 19% from FY 2020). Net income: €211.2m (up 55% from FY 2020). Profit margin: 35% (up from 27% in FY 2020). The increase in margin was driven by higher revenue. Revenue was in line with analyst estimates. Upcoming Dividend • Apr 07
Upcoming dividend of €2.55 per share Eligible shareholders must have bought the stock before 13 April 2021. Payment date: 15 April 2021. Trailing yield: 3.8%. Lower than top quartile of French dividend payers (4.2%). In line with average of industry peers (3.5%). Reported Earnings • Mar 14
Full year 2020 earnings released The company reported a poor full year result with weaker earnings, revenues and profit margins. Full year 2020 results: Revenue: €513.9m (down 11% from FY 2019). Net income: €135.9m (down 27% from FY 2019). Profit margin: 27% (down from 32% in FY 2019). The decrease in margin was driven by lower revenue. Is New 90 Day High Low • Mar 02
New 90-day high: €65.00 The company is up 7.0% from its price of €61.00 on 02 December 2020. The French market is up 4.0% over the last 90 days, indicating the company outperformed over that time. However, it underperformed the Banks industry, which is up 12% over the same period. Is New 90 Day High Low • Dec 15
New 90-day high: €64.60 The company is up 11% from its price of €57.98 on 15 September 2020. The French market is up 10.0% over the last 90 days, indicating the company outperformed over that time. However, it underperformed the Banks industry, which is up 23% over the same period. Valuation Update With 7 Day Price Move • Nov 27
Market bids up stock over the past week After last week's 16% share price gain to €61.00, the stock is trading at a trailing P/E ratio of 10.9x, up from the previous P/E ratio of 9.4x. This compares to an average P/E of 11x in the Banks industry in France. Total returns to shareholders over the past three years are 7.7%. Is New 90 Day High Low • Nov 26
New 90-day high: €60.79 The company is up 6.0% from its price of €57.50 on 28 August 2020. The French market is up 11% over the last 90 days, indicating the company underperformed over that time. It also underperformed the Banks industry, which is up 17% over the same period. Valuation Update With 7 Day Price Move • Nov 13
Market bids up stock over the past week After last week's 16% share price gain to €54.70, the stock is trading at a trailing P/E ratio of 9.7x, up from the previous P/E ratio of 8.4x. This compares to an average P/E of 10x in the Banks industry in France. Total return to shareholders over the past three years is a loss of 6.3%. Valuation Update With 7 Day Price Move • Nov 10
Market bids up stock over the past week After last week's 18% share price gain to €52.00, the stock is trading at a trailing P/E ratio of 9.3x, up from the previous P/E ratio of 7.9x. This compares to an average P/E of 8x in the Banks industry in France. Total return to shareholders over the past three years is a loss of 12%. Valuation Update With 7 Day Price Move • Oct 14
Market pulls back on stock over the past week After last week's 16% share price decline to €48.01, the stock is trading at a trailing P/E ratio of 8.6x, down from the previous P/E ratio of 10.2x. This compares to an average P/E of 9x in the Banks industry in France. Total return to shareholders over the past three years is a loss of 17%. Is New 90 Day High Low • Oct 13
New 90-day low: €50.01 The company is down 21% from its price of €63.00 on 15 July 2020. The French market is up 1.0% over the last 90 days, indicating the company underperformed over that time. It also underperformed the Banks industry, which is down 13% over the same period. Is New 90 Day High Low • Sep 26
New 90-day low: €55.10 The company is down 13% from its price of €63.00 on 26 June 2020. The French market is down 2.0% over the last 90 days, indicating the company underperformed over that time. It also underperformed the Banks industry, which is down 12% over the same period. 
