BATS-CHIXE:CRLAP

Stock Analysis Report

NOT FOR DISTRIBUTION
Header cover image

Caisse Régionale de Crédit Agricole Mutuel du Languedoc Société coopérative

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


Snowflake Analysis

Flawless balance sheet, undervalued and pays a dividend.

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: Insufficient data to determine CRLAP's volatility over the past 3 months.

Volatility Over Time: Insufficient data to determine CRLAP's volatility change over the past year.


Market Performance


7 Day Return

23.3%

CRLAP

4.8%

GB Banks

0.0002%

GB Market


1 Year Return

n/a

CRLAP

-28.6%

GB Banks

-10.0%

GB Market

Return vs Industry: Insufficient data to determine how CRLAP performed against the UK Banks industry.

Return vs Market: Insufficient data to determine how CRLAP performed against the UK Market.


Shareholder returns

CRLAPIndustryMarket
7 Day23.3%4.8%0.0002%
30 Day11.3%28.1%10.0%
90 Dayn/a27.6%7.0%
1 Yearn/a-28.4%-28.6%-6.4%-10.0%
3 Yearn/a-35.1%-41.4%1.3%-11.1%
5 Yearn/a-19.3%-32.7%25.7%-2.9%

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

No news available

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?

27.6%

Undervalued compared to fair value


Share Price vs. Fair Value

Below Fair Value: CRLAP (€53) is trading below our estimate of fair value (€75.8)

Significantly Below Fair Value: CRLAP is trading below fair value by more than 20%.


Price To Earnings Ratio

PE vs Industry: CRLAP is good value based on its PE Ratio (10x) compared to the GB Banks industry average (10.8x).

PE vs Market: CRLAP is good value based on its PE Ratio (10x) compared to the UK market (20.4x).


Price to Earnings Growth Ratio

PEG Ratio: Insufficient data to calculate CRLAP's PEG Ratio to determine if it is good value.


Price to Book Ratio

PB vs Industry: CRLAP is good value based on its PB Ratio (0.3x) compared to the GB Banks industry average (0.6x).


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?

46.4%

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

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: CRLAP has high quality earnings.

Growing Profit Margin: CRLAP's current net profit margins (23%) are lower than last year (31.5%).


Past Earnings Growth Analysis

Earnings Trend: CRLAP's earnings have declined by 0.7% per year over the past 5 years.

Accelerating Growth: CRLAP's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.

Earnings vs Industry: CRLAP had negative earnings growth (-38%) over the past year, making it difficult to compare to the Banks industry average (-25.7%).


Return on Equity

High ROE: CRLAP'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: CRLAP's Assets to Equity ratio (7.7x) is low.

Allowance for Bad Loans: CRLAP has a sufficient allowance for bad loans (122%).

Low Risk Liabilities: 88% of CRLAP's liabilities are made up of primarily low risk sources of funding.

Loan Level: CRLAP has an appropriate level of Loans to Assets ratio (80%).

Low Risk Deposits: CRLAP's Loans to Deposits ratio (104%) is appropriate.

Level of Bad Loans: CRLAP 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?

4.30%

Current Dividend Yield


Dividend Yield vs Market

Notable Dividend: CRLAP's dividend (4.57%) is higher than the bottom 25% of dividend payers in the UK market (1.71%).

High Dividend: CRLAP's dividend (4.57%) is low compared to the top 25% of dividend payers in the UK market (4.9%).


Stability and Growth of Payments

Stable Dividend: CRLAP's dividends per share have been stable in the past 10 years.

Growing Dividend: CRLAP's dividend payments have increased over the past 10 years.


Current Payout to Shareholders

Dividend Coverage: With its reasonably low payout ratio (45.6%), CRLAP'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?

7.8yrs

Average board tenure


CEO

Véronique Flachaire (63 yo)

8.67yrs

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 ($USD414.68K) is below average for companies of similar size in the UK market ($USD1.83M).

Compensation vs Earnings: Véronique's compensation has been consistent with company performance over the past year.


Board Members

NamePositionTenureCompensationOwnership
Jacques Boyer
President of the Board8.83yrs€87.77kno data
Daniel Connart
Treasurer & Director6.67yrsno datano data
Claude Guigue
Secretary & Director10.83yrsno datano data
Bernard Angelras
Director6.67yrsno datano data
Bernard Chapon
Director9.08yrsno datano data
Jean-Marie Constans
Director6.67yrsno datano data
Olivier Cozon
Director9.08yrsno datano data
Dominique Demouy
Vice President of the Boardno datano datano data
Alain Egea
Director6.67yrsno datano data
Jacques Fournier
Vice President of the Boardno datano datano data
Jean-Claude Limouzy
Vice President of the Boardno datano datano data
François Viallon
Vice President of the Boardno datano datano data

7.8yrs

Average Tenure

63.5yo

Average Age

Experienced Board: CRLAP's board of directors are considered experienced (7.8 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: CRLAP
  • Exchange: BATS-CHIXE
  • Founded:
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: €1.178b
  • 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

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
CRLAENXTPA (Euronext Paris)YesCo-Operative Investment CertificatesFREURMay 2007
CRLAPBATS-CHIXE (BATS 'Chi-X Europe')YesCo-Operative Investment CertificatesGBEURMay 2007
0IJ7LSE (London Stock Exchange)YesCo-Operative Investment CertificatesGBEURMay 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

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2020/11/26 19:54
End of Day Share Price2020/11/20 00:00
Earnings2020/06/30
Annual Earnings2019/12/31


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.