Caisse Régionale de Crédit Agricole Mutuel du Languedoc Société coopérative
Market Cap
€1.2b
Last Updated
2021/01/18 20:07 UTC
Data Sources
Company Financials
Executive Summary
Caisse Régionale de Crédit Agricole Mutuel du Languedoc Société Coopérative provides various banking products and services to individuals, professionals and associations, farmers, businesses, private banking customers, and public authorities and social housing community clients in France. More Details
Rewards
Risk Analysis
Snowflake Analysis
Flawless balance sheet average dividend payer.
Share Price & News
How has Caisse Régionale de Crédit Agricole Mutuel du Languedoc Société coopérative's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: CRLA is not significantly more volatile than the rest of French stocks over the past 3 months, typically moving +/- 7% a week.
Volatility Over Time: CRLA's weekly volatility (7%) has been stable over the past year.
Market Performance
7 Day Return
-4.7%
CRLA
-2.9%
FR Banks
-1.6%
FR Market
1 Year Return
-29.7%
CRLA
-21.8%
FR Banks
-4.6%
FR Market
Return vs Industry: CRLA underperformed the French Banks industry which returned -21.8% over the past year.
Return vs Market: CRLA underperformed the French Market which returned -4.6% over the past year.
Shareholder returns
| CRLA | Industry | Market | |
|---|---|---|---|
| 7 Day | -4.7% | -2.9% | -1.6% |
| 30 Day | -4.1% | 0.6% | 1.5% |
| 90 Day | 28.5% | 35.4% | 12.8% |
| 1 Year | -27.1%-29.7% | -21.5%-21.8% | -2.7%-4.6% |
| 3 Year | 3.5%-7.1% | -29.4%-37.8% | 15.0%5.4% |
| 5 Year | 44.2%19.4% | 13.3%-9.5% | 64.9%40.4% |
Long-Term Price Volatility Vs. Market
How volatile is Caisse Régionale de Crédit Agricole Mutuel du Languedoc Société coopérative's share price compared to the market and industry in the last 5 years?
Simply Wall St News
1 month ago | Simply Wall St
Does Caisse Régionale de Crédit Agricole Mutuel du Languedoc Société coopérative's (EPA:CRLA) CEO Salary Compare Well With The Performance Of The Company?Valuation
Is Caisse Régionale de Crédit Agricole Mutuel du Languedoc Société coopérative undervalued compared to its fair value and its price relative to the market?
45.5%
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: CRLA (€59.1) is trading below our estimate of fair value (€108.42)
Significantly Below Fair Value: CRLA is trading below fair value by more than 20%.
Price To Earnings Ratio
PE vs Industry: CRLA's PE Ratio (10.5x) is in line with the FR Banks industry average.
PE vs Market: CRLA is good value based on its PE Ratio (10.5x) compared to the French market (22.5x).
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate CRLA's PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: CRLA's PB Ratio (0.3x) is in line with the FR Banks industry average.
Next Steps
Future Growth
How is Caisse Régionale de Crédit Agricole Mutuel du Languedoc Société coopérative forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
31.9%
Forecasted Banks industry annual growth in earnings
In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as Caisse Régionale de Crédit Agricole Mutuel du Languedoc Société coopérative has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.
This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.
Next Steps
- Examine whether Caisse Régionale de Crédit Agricole Mutuel du Languedoc Société coopérative is trading at an attractive price based on how much it is expected to earn in the future, and relative to its industry peers and the wider market.
- Caisse Régionale de Crédit Agricole Mutuel du Languedoc Société coopérative competitive advantages and company strategy can generally be found in its financial reports archived here.
- Explore growth companies in the Banks industry.
Past Performance
How has Caisse Régionale de Crédit Agricole Mutuel du Languedoc Société coopérative performed over the past 5 years?
-0.7%
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: CRLA has high quality earnings.
Growing Profit Margin: CRLA's current net profit margins (23%) are lower than last year (31.5%).
Past Earnings Growth Analysis
Earnings Trend: CRLA's earnings have declined by 0.7% per year over the past 5 years.
Accelerating Growth: CRLA's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: CRLA had negative earnings growth (-38%) over the past year, making it difficult to compare to the Banks industry average (-39.8%).
Return on Equity
High ROE: CRLA's Return on Equity (2.8%) is considered low.
Next Steps
Financial Health
How is Caisse Régionale de Crédit Agricole Mutuel du Languedoc Société coopérative's financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: CRLA's Assets to Equity ratio (7.7x) is low.
Allowance for Bad Loans: CRLA has a sufficient allowance for bad loans (122%).
Low Risk Liabilities: 88% of CRLA's liabilities are made up of primarily low risk sources of funding.
Loan Level: CRLA has an appropriate level of Loans to Assets ratio (80%).
Low Risk Deposits: CRLA's Loans to Deposits ratio (104%) is appropriate.
Level of Bad Loans: CRLA has an appropriate level of bad loans (1.8%).
Next Steps
Dividend
What is Caisse Régionale de Crédit Agricole Mutuel du Languedoc Société coopérative current dividend yield, its reliability and sustainability?
4.33%
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: CRLA's dividend (4.33%) is higher than the bottom 25% of dividend payers in the French market (1.38%).
High Dividend: CRLA's dividend (4.33%) is low compared to the top 25% of dividend payers in the French market (4.46%).
Stability and Growth of Payments
Stable Dividend: CRLA's dividends per share have been stable in the past 10 years.
Growing Dividend: CRLA's dividend payments have increased over the past 10 years.
Current Payout to Shareholders
Dividend Coverage: With its reasonably low payout ratio (45.6%), CRLA's dividend payments are well covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: Insufficient data to determine if a dividend will be paid in 3 years and that it will be covered by earnings.
Next Steps
Management
How experienced are the management team and are they aligned to shareholders interests?
7.9yrs
Average board tenure
CEO
Véronique Flachaire (63 yo)
8.83yrs
Tenure
€348,206
Compensation
Ms. Véronique Flachaire serves as Chief Executive Officer at Caisse Régionale de Crédit Agricole Mutuel du Languedoc, SC since March 05, 2012 and served as its Chairwoman of the Managing Board. Ms. Flachai...
CEO Compensation Analysis
Compensation vs Market: Véronique's total compensation ($USD420.54K) is below average for companies of similar size in the French market ($USD936.62K).
Compensation vs Earnings: Véronique's compensation has been consistent with company performance over the past year.
Board Members
| Name | Position | Tenure | Compensation | Ownership |
|---|---|---|---|---|
| President of the Board | 9yrs | €87.77k | no data | |
| Treasurer & Director | 6.83yrs | no data | no data | |
| Secretary & Director | 11yrs | no data | no data | |
| Director | 6.83yrs | no data | no data | |
| Director | 9.25yrs | no data | no data | |
| Director | 6.83yrs | no data | no data | |
| Director | 9.25yrs | no data | no data | |
| Vice President of the Board | no data | no data | no data | |
| Director | 6.83yrs | no data | no data | |
| Vice President of the Board | no data | no data | no data | |
| Vice President of the Board | no data | no data | no data | |
| Vice President of the Board | no data | no data | no data |
7.9yrs
Average Tenure
63.5yo
Average Age
Experienced Board: CRLA's board of directors are considered experienced (7.9 years average tenure).
Ownership
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Ownership Breakdown
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Top Shareholders
Company Information
Caisse Régionale de Crédit Agricole Mutuel du Languedoc Société coopérative's company bio, employee growth, exchange listings and data sources
Key Information
- Name: Caisse Régionale de Crédit Agricole Mutuel du Languedoc Société coopérative
- Ticker: CRLA
- Exchange: ENXTPA
- Founded:
- Industry: Regional Banks
- Sector: Banks
- Market Cap: €1.169b
- Shares outstanding: 19.77m
- Website: https://www.credit-agricole.fr/ca-languedoc
Number of Employees
Location
- Caisse Régionale de Crédit Agricole Mutuel du Languedoc Société coopérative
- Avenue de Montpelliéret
- Maurin
- Lattes
- Languedoc-Roussillon
- 34977
- France
Listings
| Ticker | Exchange | Primary Security | Security Type | Country | Currency | Listed on |
|---|---|---|---|---|---|---|
| CRLA | ENXTPA (Euronext Paris) | Yes | Co-Operative Investment Certificates | FR | EUR | May 2007 |
| CRLAP | BATS-CHIXE (BATS 'Chi-X Europe') | Yes | Co-Operative Investment Certificates | GB | EUR | May 2007 |
| 0IJ7 | LSE (London Stock Exchange) | Yes | Co-Operative Investment Certificates | GB | EUR | May 2007 |
Biography
Caisse Régionale de Crédit Agricole Mutuel du Languedoc Société Coopérative provides various banking products and services to individuals, professionals and associations, farmers, businesses, private banki...
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2021/01/18 20:07 |
| End of Day Share Price | 2021/01/18 00:00 |
| Earnings | 2020/06/30 |
| Annual Earnings | 2019/12/31 |
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.