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Caisse Régionale de Crédit Agricole Mutuel du Languedoc

LSE:0IJ7
Snowflake Description

Excellent balance sheet and good value.

The Snowflake is generated from 30 checks in 5 different areas, read more below.
0IJ7
LSE
€1B
Market Cap
  1. Home
  2. GB
  3. Banks
Company description

Caisse Régionale de Crédit Agricole Mutuel du Languedoc provides various banking products and services to individuals, businesses, farmers, public authorities, and associations in France. The last earnings update was 55 days ago. More info.


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  • Caisse Régionale de Crédit Agricole Mutuel du Languedoc is a fund or ETF! Currently our data availability for these is poor, we only recommend using them as part of a portfolio.
0IJ7 Share Price and Events
7 Day Returns
0%
LSE:0IJ7
-1.3%
GB Banks
1.2%
GB Market
1 Year Returns
16.7%
LSE:0IJ7
-9.9%
GB Banks
2.5%
GB Market
0IJ7 Shareholder Return
  7 Day 30 Day 90 Day 1 Year 3 Year 5 Year
Caisse Régionale de Crédit Agricole Mutuel du Languedoc (0IJ7) 0% -1.3% 0.7% 16.7% 25.3% -
GB Banks -1.3% 6.6% 5.5% -9.9% 14.8% -12.4%
GB Market 1.2% 5.3% 9.8% 2.5% 16.9% 6.7%
1 Year Return vs Industry and Market
  • 0IJ7 outperformed the Banks industry which returned -9.9% over the past year.
  • 0IJ7 outperformed the Market in United Kingdom of Great Britain and Northern Ireland which returned 2.5% over the past year.
Price Volatility
0IJ7
Industry
5yr Volatility vs Market

Value

 Is Caisse Régionale de Crédit Agricole Mutuel du Languedoc undervalued based on future cash flows and its price relative to the stock market?

Value is all about what a company is worth versus what price it is available for. If you went into a grocery store and all the bananas were on sale at half price, they could be considered undervalued.
INTRINSIC VALUE BASED ON FUTURE CASH FLOWS
Here we compare the current share price of Caisse Régionale de Crédit Agricole Mutuel du Languedoc to its discounted cash flow analysis.value.

The discounted cash flow value is simply looking at what the company is worth today, based on estimates of how much money it is expected to make in the future.
Raw Data

Below are the data sources, inputs and calculation used to determine the intrinsic value for Caisse Régionale de Crédit Agricole Mutuel du Languedoc.

LSE:0IJ7 Discounted Cash Flow Data Sources
Data Point Source Value
Valuation Model Excess Returns Model
Stable EPS Median Return on Equity from the past 5 years.
= Stable Book Value * Return on Equity
= €160.94 * 5.5%
€8.79
Book Value of Equity per Share Median Book Value from the past 5 years. €160.94
Discount Rate (Cost of Equity) See below 7.4%
Perpetual Growth Rate 10-Year GB Government Bond Rate 1.2%

An important part of a discounted cash flow is the discount rate, below we explain how it has been calculated.

Calculation of Discount Rate/ Cost of Equity for LSE:0IJ7
Data Point Calculation/ Source Result
Risk-Free Rate 10-Year GB Govt Bond Rate 1.2%
Equity Risk Premium S&P Global 6.7%
Banks Unlevered Beta Simply Wall St/ S&P Global 0.6
Re-levered Beta = Unlevered beta (1 + (1- tax rate) (Debt/Equity))
= 0.595 (1 + (1- 33%) (75.29%))
0.93
Levered Beta Levered Beta limited to 0.8 to 2.0
(practical range for a stable firm)
0.93
Discount Rate/ Cost of Equity = Cost of Equity = Risk Free Rate + (Levered Beta * Equity Risk Premium)
= 1.23% + (0.93 * 6.65%)
7.41%

Discounted Cash Flow Calculation for LSE:0IJ7 using Excess Returns Model Model

The calculations below outline how an intrinsic value for Caisse Régionale de Crédit Agricole Mutuel du Languedoc is arrived at using the Excess Return Model. This approach is used for finance firms where free cash flow is difficult to estimate.

In the Excess Return Model the value of a firm can be written as the sum of capital invested currently in the firm and the present value of excess returns that the firm expects to make in the future.

The model is sensitive to the Return on Equity of the company versus the Cost of Equity, how these are calculated is detailed below the main calculation.

Note the calculations below are per share.

See our documentation to learn about this calculation.

LSE:0IJ7 Value of Excess Returns
Calculation Result
Excess Returns = (Stable Return on equity – Cost of equity) (Book Value of Equity per share)
= (5.5% – 7.41%) * €160.94)
€-3.13
Terminal Value of Excess Returns = Excess Returns / (Cost of Equity - Expected Growth Rate)
= €-3.13 / (7.41% - 1.23%)
€-50.67
Value of Equity = Book Value per share + Terminal Value of Excess Returns
= €160.94 + €-50.67
€110.28
LSE:0IJ7 Discount to Share Price
Calculation Result
Non-primary Listing Adjustment Factor 1 share in LSE:0IJ7 represents 1.00602x of ENXTPA:CRLA
(This could be a different class, a depositary receipt, a different currency, or all of these things.)
1.00602x
Value per Share
(Listing Adjusted, EUR)
= Value per Share (EUR) x Listing Adjustment Factor
= € 110.28 x 1.00602
€110.94
Value per share (EUR) From above. €110.94
Current discount Discount to share price of €75.25
= -1 x (€75.25 - €110.94) / €110.94
32.2%

Learn more about our DCF calculations in Simply Wall St’s analysis model .

Current Discount
Amount off the current price Caisse Régionale de Crédit Agricole Mutuel du Languedoc is available for.
Intrinsic value
32%
Share price is €75.25 vs Future cash flow value of €110.94
Current Discount Checks
For Caisse Régionale de Crédit Agricole Mutuel du Languedoc to be considered undervalued it must be available for at least 20% below the current price. Less than 40% is even better.
  • Caisse Régionale de Crédit Agricole Mutuel du Languedoc's share price is below the future cash flow value, and at a moderate discount (> 20%).
  • Caisse Régionale de Crédit Agricole Mutuel du Languedoc's share price is below the future cash flow value, but not at a substantial discount (< 40%).
PRICE RELATIVE TO MARKET
We can also value a company based on what the stock market is willing to pay for it. This is similar to the price of fruit (e.g. Mangoes or Avocados) increasing when they are out of season, or how much your home is worth.

The amount the stock market is willing to pay for Caisse Régionale de Crédit Agricole Mutuel du Languedoc's earnings, growth and assets is considered below, and whether this is a fair price.
Price based on past earnings
Are Caisse Régionale de Crédit Agricole Mutuel du Languedoc's earnings available for a low price, and how does this compare to other companies in the same industry?
Raw Data
LSE:0IJ7 PE (Price to Earnings) Ratio Data Sources
Data Point Source Value
Earnings Per Share * Company Filings (2018-12-31) in EUR €8.81
ENXTPA:CRLA Share Price ** ENXTPA (2019-03-29) in EUR €74.8
United Kingdom of Great Britain and Northern Ireland Banks Industry PE Ratio Median Figure of 15 Publicly-Listed Banks Companies 9.92x
United Kingdom of Great Britain and Northern Ireland Market PE Ratio Median Figure of 797 Publicly-Listed Companies 16.3x

* Trailing twelve months (TTM) annual GAAP earnings per share excluding extraordinary items.

** Primary Listing of Caisse Régionale de Crédit Agricole Mutuel du Languedoc.

LSE:0IJ7 PE (Price to Earnings) Ratio Calculation
Calculation Outcome
PE Ratio

= ENXTPA:CRLA Share Price ÷ EPS (both in EUR)

= 74.8 ÷ 8.81

8.49x

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Caisse Régionale de Crédit Agricole Mutuel du Languedoc is good value based on earnings compared to the GB Banks industry average.
  • Caisse Régionale de Crédit Agricole Mutuel du Languedoc is good value based on earnings compared to the United Kingdom of Great Britain and Northern Ireland market.
Price based on expected Growth
Does Caisse Régionale de Crédit Agricole Mutuel du Languedoc's expected growth come at a high price?
Raw Data
LSE:0IJ7 PEG (Price to Earnings to Growth) Ratio Data Sources
Data Point Source Value
PE Ratio See PE Ratio Section 8.49x
Net Income Annual Growth Rate See Future Growth Section.
Line of Best Fit* through Consensus Estimate Earnings of 0 Analysts
Not available
United Kingdom of Great Britain and Northern Ireland Banks Industry PEG Ratio Median Figure of 14 Publicly-Listed Banks Companies 0.84x
United Kingdom of Great Britain and Northern Ireland Market PEG Ratio Median Figure of 566 Publicly-Listed Companies 1.5x

*Line of best fit is calculated by linear regression .

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Unable to calculate PEG ratio for Caisse Régionale de Crédit Agricole Mutuel du Languedoc, we can't assess if its growth is good value.
Price based on value of assets
What value do investors place on Caisse Régionale de Crédit Agricole Mutuel du Languedoc's assets?
Raw Data
LSE:0IJ7 PB (Price to Book) Ratio Data Sources
Data Point Source Value
Book Value per Share Company Filings (2018-12-31) in EUR €191.24
ENXTPA:CRLA Share Price * ENXTPA (2019-03-29) in EUR €74.8
United Kingdom of Great Britain and Northern Ireland Banks Industry PB Ratio Median Figure of 16 Publicly-Listed Banks Companies 0.87x
United Kingdom of Great Britain and Northern Ireland Market PB Ratio Median Figure of 1,367 Publicly-Listed Companies 1.52x
LSE:0IJ7 PB (Price to Book) Ratio Calculation
Calculation Outcome
PB Ratio

= ENXTPA:CRLA Share Price ÷ Book Value per Share (both in EUR)

= 74.8 ÷ 191.24

0.39x

* Primary Listing of Caisse Régionale de Crédit Agricole Mutuel du Languedoc.

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Caisse Régionale de Crédit Agricole Mutuel du Languedoc is good value based on assets compared to the GB Banks industry average.
X
Value checks
We assess Caisse Régionale de Crédit Agricole Mutuel du Languedoc's value by looking at:
  1. Is the discounted cash flow value less than 20%, or 40% of the share price? (2 checks) ( Click here or on bar chart for details of DCF calculation. )
  2. Is the PE ratio less than the market average, and/ or less than the Banks industry average (and greater than 0)? (2 checks)
  3. Is the PEG ratio within a reasonable range (0 to 1)? (1 check)
  4. Is the PB ratio less than the Banks industry average (and greater than 0)? (1 check)
  5. Caisse Régionale de Crédit Agricole Mutuel du Languedoc has a total score of 4/6, see the detailed checks below.

    Note: We use GAAP Earnings per Share in all our calculations including PE and PEG Ratio.

    Full details on the Value part of the Simply Wall St company analysis model.

Future Performance

 How is Caisse Régionale de Crédit Agricole Mutuel du Languedoc expected to perform in the next 1 to 3 years based on estimates from 0 analysts?

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 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 Simply Wall St do have past financial data. You can see them here.

Show me the analysis anyway

The future performance of a company is measured in the same way as past performance, by looking at estimated growth and how much profit it is expected to make.

Future estimates come from professional analysts. Just like forecasting the weather, they don’t always get it right!
Annual Growth Rate
12.9%
Expected Banks industry annual growth in earnings.
Earnings growth vs Low Risk Savings
Is Caisse Régionale de Crédit Agricole Mutuel du Languedoc expected to grow at an attractive rate?
  • Unable to compare Caisse Régionale de Crédit Agricole Mutuel du Languedoc's earnings growth to the low risk savings rate as no estimate data is available.
Growth vs Market Checks
  • Unable to compare Caisse Régionale de Crédit Agricole Mutuel du Languedoc's earnings growth to the United Kingdom of Great Britain and Northern Ireland market average as no estimate data is available.
  • Unable to compare Caisse Régionale de Crédit Agricole Mutuel du Languedoc's revenue growth to the United Kingdom of Great Britain and Northern Ireland market average as no estimate data is available.
Annual Growth Rates Comparison
Raw Data
LSE:0IJ7 Future Growth Rates Data Sources
Data Point Source Value (per year)
United Kingdom of Great Britain and Northern Ireland Banks Industry Earnings Growth Rate Market Cap Weighted Average 12.9%
United Kingdom of Great Britain and Northern Ireland Banks Industry Revenue Growth Rate Market Cap Weighted Average 4.5%
United Kingdom of Great Britain and Northern Ireland Market Earnings Growth Rate Market Cap Weighted Average 11%
United Kingdom of Great Britain and Northern Ireland Market Revenue Growth Rate Market Cap Weighted Average 4.8%

*Line of best fit is calculated by linear regression .

Industry and Market average data is calculated daily.

Learn more about our growth rate calculations in Simply Wall St’s analysis model.

Analysts growth expectations
Raw Data
LSE:0IJ7 Analysts Growth Expectations Data Sources
Data Point Source Value
Past Financials Company Filings (3 months ago) See Below
Future Estimates Average of up to 0 Analyst Estimates (S&P Global) See Below
All numbers in EUR Millions and using Trailing twelve months (TTM) annual period rather than quarterly.
LSE:0IJ7 Past Financials Data
Date (Data in EUR Millions) Revenue Cash Flow Net Income *
2018-12-31 560 85 175
2018-09-30 585 34 190
2018-06-30 611 -18 206
2018-03-31 601 -37 203
2018-01-01 591 -56 200
2017-10-01 563 373 175
2017-06-30 536 803 150
2017-03-31 545 797 155
2016-12-31 554 792 160
2016-09-30 560 456 172
2016-06-30 565 120 184
2016-03-31 559 163 177

*GAAP earnings excluding extraordinary items.

Super high growth metrics
High Growth Checks
  • Unable to determine if Caisse Régionale de Crédit Agricole Mutuel du Languedoc is high growth as no earnings estimate data is available.
  • Unable to determine if Caisse Régionale de Crédit Agricole Mutuel du Languedoc is high growth as no revenue estimate data is available.
Past and Future Earnings per Share
The accuracy of the analysts who estimate the future performance data can be gauged below. We look back 3 years and see if they were any good at predicting what actually occurred. We also show the highest and lowest estimates looking forward to see if there is a wide range.
Raw Data
LSE:0IJ7 Past and Future Earnings per Share
Data Point Source Value
Past Financials Company Filings (3 months ago) See Below
Future Estimates Average of up to 0 Analyst Estimates (S&P Global) See Below

All data from Caisse Régionale de Crédit Agricole Mutuel du Languedoc Company Filings, last reported 3 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

LSE:0IJ7 Past Financials Data
Date (Data in EUR Millions) EPS *
2018-12-31 8.81
2018-09-30 9.60
2018-06-30 10.37
2018-03-31 10.22
2018-01-01 10.06
2017-10-01 8.80
2017-06-30 7.54
2017-03-31 7.79
2016-12-31 8.04
2016-09-30 8.66
2016-06-30 9.27
2016-03-31 8.92

*GAAP earnings excluding extraordinary items.

Performance in 3 years
In the same way as past performance we look at the future estimated return (profit) compared to the available funds. We do this looking forward 3 years.
  • Unable to establish if Caisse Régionale de Crédit Agricole Mutuel du Languedoc will efficiently use shareholders’ funds in the future without estimates of Return on Equity.

Next steps:

  1. Examine whether Caisse Régionale de Crédit Agricole Mutuel du Languedoc is trading at Caisse Régionale de Crédit Agricole Mutuel du Languedoc'san attractive price based on how much it is expected to earn in the future, and relative to its industry peers and the wider market.
  2. Caisse Régionale de Crédit Agricole Mutuel du Languedoc's future outlook can be gauged by looking at industry trends and market size, and determining how well-positioned the company is compared to its competitors. Take a look at other high-growth Banks companies here
  3. Caisse Régionale de Crédit Agricole Mutuel du Languedoc's competitive advantages and company strategy can generally be found in its financial reports archived here.
  4. Use fundamentals to screen for another stock to analyse from our database of over 75,000 companies worldwide
X
Future performance checks
We assess Caisse Régionale de Crédit Agricole Mutuel du Languedoc's future performance by looking at:
  1. Is the annual earnings growth rate expected to beat the low risk savings rate, plus a premium to keep pace with inflation?
  2. Is the annual earnings growth rate expected to beat the average growth rate in earnings of the United Kingdom of Great Britain and Northern Ireland market? (1 check)
  3. Is the annual revenue growth rate expected to beat the average growth rate in revenue of the United Kingdom of Great Britain and Northern Ireland market? (1 check)
  4. Is the annual earnings growth rate expected to be above 20%? (1 check)
  5. Is the annual revenue growth rate expected to be above 20%? (1 check)
  6. Is the Return on Equity in 3 years expected to be over 20%? (1 check)
Some of the above checks will fail if the company is expected to be loss making in the relevant year.
Caisse Régionale de Crédit Agricole Mutuel du Languedoc has a total score of 0/6, see the detailed checks below.

Note 1: We use GAAP Net Income Excluding Exceptional Items for our Earnings in all our calculations.

Full details on the Future part of the Simply Wall St company analysis model.

Past Performance

  How has Caisse Régionale de Crédit Agricole Mutuel du Languedoc performed over the past 5 years?

The past performance of a company can be measured by how much growth it has experienced and how much profit it makes relative to the funds and assets it has available.
Past earnings growth
Below we compare Caisse Régionale de Crédit Agricole Mutuel du Languedoc's growth in the last year to its industry (Banks).
Past Earnings growth analysis
We also check if the company has grown in the past 5 years, and whether it has maintained that growth in the year.
  • Caisse Régionale de Crédit Agricole Mutuel du Languedoc's year on year earnings growth rate has been positive over the past 5 years.
  • Caisse Régionale de Crédit Agricole Mutuel du Languedoc's 1-year earnings growth is negative, it can't be compared to the 5-year average.
  • Caisse Régionale de Crédit Agricole Mutuel du Languedoc's 1-year earnings growth is negative, it can't be compared to the GB Banks industry average.
Earnings and Revenue History
Caisse Régionale de Crédit Agricole Mutuel du Languedoc's revenue and profit over the past 5 years is shown below, any years where they have experienced a loss will show up in red.
Raw Data

All data from Caisse Régionale de Crédit Agricole Mutuel du Languedoc Company Filings, last reported 3 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

LSE:0IJ7 Past Revenue, Cash Flow and Net Income Data
Date (Data in EUR Millions) Revenue Net Income * G+A Expenses R&D Expenses
2018-12-31 560.12 174.66 7.26
2018-09-30 585.40 190.18 7.65
2018-06-30 610.68 205.70 8.04
2018-03-31 600.66 202.62 8.21
2018-01-01 590.64 199.55 8.39
2017-10-01 563.48 174.59 8.25
2017-06-30 536.33 149.63 8.11
2017-03-31 545.05 154.72 8.18
2016-12-31 553.78 159.80 8.25
2016-09-30 559.52 172.12 8.10
2016-06-30 565.27 184.44 7.94
2016-03-31 559.49 177.39 7.86
2015-12-31 553.72 170.35 7.77
2015-09-30 549.91 167.11 7.91
2015-06-30 546.10 163.87 8.05
2015-03-31 543.03 165.18 7.99
2014-12-31 539.96 166.48 7.93
2014-09-30 542.73 164.96 7.95
2014-06-30 545.50 165.78 7.98
2014-03-31 543.29 161.94 8.07
2013-12-31 541.08 158.10 8.16
2013-09-30 545.19 161.57 8.23
2013-06-30 549.29 165.03 8.30
2013-03-31 499.76 151.04 10.84
2012-12-31 530.50 152.13 9.02
2012-09-30 538.47 160.45 9.44
2012-06-30 546.44 168.77 9.85

*GAAP earnings excluding extraordinary items.

Performance last year
We want to ensure a company is making the most of what it has available. This is done by comparing the return (profit) to a company's available funds, assets and capital.
  • Caisse Régionale de Crédit Agricole Mutuel du Languedoc has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).
  • Caisse Régionale de Crédit Agricole Mutuel du Languedoc used its assets more efficiently than the GB Banks industry average last year based on Return on Assets.
  • Unable to establish if Caisse Régionale de Crédit Agricole Mutuel du Languedoc improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.
X
Past performance checks
We assess Caisse Régionale de Crédit Agricole Mutuel du Languedoc's performance over the past 5 years by checking for:
  1. Has earnings increased in past 5 years? (1 check)
  2. Has the earnings growth in the last year exceeded that of the Banks industry? (1 check)
  3. Is the recent earnings growth over the last year higher than the average annual growth over the past 5 years? (1 check)
  4. Is the Return on Equity (ROE) higher than 20%? (1 check)
  5. Is the Return on Assets (ROA) above industry average? (1 check)
  6. Has the Return on Capital Employed (ROCE) increased from 3 years ago? (1 check)
The above checks will fail if the company has reported a loss in the most recent earnings report. Some checks require at least 3 or 5 years worth of data.
Caisse Régionale de Crédit Agricole Mutuel du Languedoc has a total score of 2/6, see the detailed checks below.

Note: We use GAAP Net Income excluding extraordinary items in all our calculations.

Full details on the Past part of the Simply Wall St company analysis model.

Health

 How is Caisse Régionale de Crédit Agricole Mutuel du Languedoc's financial position? (This company is analysed differently as a bank or financial institution)

This company is a bank or financial institution.

Fundamentally a bank's business is based upon borrowing and lending money, for this reason they typically have high levels of debt and we analyse them differently.
Net Worth
Balance sheet
This treemap shows a more detailed breakdown of Caisse Régionale de Crédit Agricole Mutuel du Languedoc's finances. If any of them are yellow this indicates they may be out of proportion and red means they relate to one of the checks below.
Assets
Liabilities and shares
The 'shares' portion represents any funds contributed by the owners (shareholders) and any profits.
Historical Debt
Nearly all companies have debt. Debt in itself isn’t bad, however if the debt is too high, or the company can’t afford to pay the interest on its debts this may have impacts in the future.

The graphic below shows equity (available funds) and debt, we ideally want to see the red area (debt) decreasing.

If there is any debt we look at the companies capability to repay it, and whether the level has increased over the past 5 years.
Raw Data

All data from Caisse Régionale de Crédit Agricole Mutuel du Languedoc Company Filings, last reported 3 months ago.

LSE:0IJ7 Past Debt and Equity Data
Date (Data in EUR Millions) Total Equity Total Debt Cash & Short Term Investments
2018-12-31 3,795.96 1,115.98 1,103.44
2018-09-30 3,795.96 1,115.98 1,103.44
2018-06-30 3,749.69 13,475.77 1,384.45
2018-03-31 3,749.69 13,475.77 1,384.45
2018-01-01 3,728.70 892.47 979.21
2017-10-01 3,728.70 892.47 979.21
2017-06-30 3,195.02 1,115.34 1,086.94
2017-03-31 3,195.02 1,115.34 1,086.94
2016-12-31 3,100.64 1,330.41 1,296.94
2016-09-30 3,100.64 1,330.41 1,296.94
2016-06-30 3,055.43 1,571.35 1,534.94
2016-03-31 3,055.43 1,571.35 1,534.94
2015-12-31 2,967.78 1,272.84 1,249.03
2015-09-30 2,967.78 1,272.84 1,249.03
2015-06-30 2,899.59 1,270.28 1,228.05
2015-03-31 2,899.59 1,270.28 1,228.05
2014-12-31 2,826.28 1,400.12 1,443.83
2014-09-30 2,825.51 1,400.12 1,443.83
2014-06-30 2,764.80 1,144.76 1,193.94
2014-03-31 2,764.80 1,144.76 1,193.94
2013-12-31 2,705.35 787.62 834.10
2013-09-30 2,705.35 787.62 834.10
2013-06-30 2,633.94 926.15 972.15
2013-03-31 2,633.94 926.15 972.15
2012-12-31 2,562.28 1,255.96 1,301.29
2012-09-30 2,562.28 1,255.96 1,301.29
2012-06-30 2,477.06 1,213.77 1,103.37
BANK ANALYSIS

This company is a bank or financial institution, which is analysed accordingly below.

Below we check the amount of loans the bank has, how many of those are bad, and its ability to cover any bad loans.
  • Caisse Régionale de Crédit Agricole Mutuel du Languedoc has an acceptable proportion of non-loan assets held.
  • Caisse Régionale de Crédit Agricole Mutuel du Languedoc's liabilities are made up of primarily low risk sources of funding.
  • Loans at Caisse Régionale de Crédit Agricole Mutuel du Languedoc are broadly funded by customer deposits.
  • Caisse Régionale de Crédit Agricole Mutuel du Languedoc's level of assets compared to its equity is low (i.e. an appropriate level of borrowing to fund lending).
  • Caisse Régionale de Crédit Agricole Mutuel du Languedoc has a sufficient allowance for bad loans.
  • Caisse Régionale de Crédit Agricole Mutuel du Languedoc has a high level of bad loans (greater than 2%).
X
Financial health checks
We assess Caisse Régionale de Crédit Agricole Mutuel du Languedoc's financial health by checking for:
  1. Are short term assets greater than short term liabilities? (1 check)
  2. Are short term assets greater than long term liabilities? (1 check)
  3. Has the debt to equity ratio increased in the past 5 years? (1 check)
  4. Is the debt to equity ratio over 40%? (1 check)
  5. Is the debt covered by operating cash flow? (1 check)
  6. Are earnings greater than 5x the interest on debt (if company pays interest at all)? (1 check)
  7. Caisse Régionale de Crédit Agricole Mutuel du Languedoc has a total score of 5/6, see the detailed checks below.
For companies that are loss making and have been so on average in the past we replace the last 2 checks with:
  1. Does cash and short term investments cover stable operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)
  2. Does cash and short term investments cover growing operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)


Full details on the Health part of the Simply Wall St company analysis model.

Dividends

 What is Caisse Régionale de Crédit Agricole Mutuel du Languedoc's current dividend yield, its reliability and sustainability?

Dividends are regular cash payments to you from the company, similar to a bank paying you interest on a savings account.
Annual Dividend Income
Dividend payments
3.37%
Current annual income from Caisse Régionale de Crédit Agricole Mutuel du Languedoc dividends.
If you bought €2,000 of Caisse Régionale de Crédit Agricole Mutuel du Languedoc shares you are expected to receive €67 in your first year as a dividend.
Dividend Amount
Here we look how much dividend is being paid, if any. Is it above what you can get in a savings account? It is up there with the best dividend paying companies?
  • Caisse Régionale de Crédit Agricole Mutuel du Languedoc's pays a higher dividend yield than the bottom 25% of dividend payers in United Kingdom of Great Britain and Northern Ireland (2.02%).
  • Caisse Régionale de Crédit Agricole Mutuel du Languedoc's dividend is below the markets top 25% of dividend payers in United Kingdom of Great Britain and Northern Ireland (5.1%).
Annualized Historical and Future Dividends
It is important to see if the dividend for a company is stable, and not wildly increasing/decreasing each year. This graph shows you the historical rate to count toward your assessment of the stock.

We also check to see if the dividend has increased in the past 10 years.
Raw Data
LSE:0IJ7 Annualized Past and Future Dividends
Data Point Source Value
Past Annualized Dividend Yield S&P Global Market Data See Below
Past Dividends per Share Company Filings/ Annualized Dividend Payments See Below
Future Dividends per Share Estimates Average of up to 0 Analyst Estimates (S&P Global) See Below
United Kingdom of Great Britain and Northern Ireland Banks Industry Average Dividend Yield Market Cap Weighted Average of 14 Stocks 5%
United Kingdom of Great Britain and Northern Ireland Market Average Dividend Yield Market Cap Weighted Average of 705 Stocks 4.2%
United Kingdom of Great Britain and Northern Ireland Minimum Threshold Dividend Yield 10th Percentile 1%
United Kingdom of Great Britain and Northern Ireland Bottom 25% Dividend Yield 25th Percentile 2%
United Kingdom of Great Britain and Northern Ireland Top 25% Dividend Yield 75th Percentile 5.1%

Industry and Market average data is calculated daily.

Note all dividend per share amounts are annualized and not quarterly or other period.

LSE:0IJ7 Past Annualized Dividends Data
Date (Data in €) Dividend per share (annual) Avg. Yield (%)
2019-03-01 2.520 3.311
2018-03-12 2.460 3.392
2017-03-13 2.390 3.890
2016-03-31 2.340 4.217
2015-03-17 2.300 4.174
2014-03-28 2.340 4.642
2013-03-01 2.460 5.530
2012-08-06 2.610 7.712
2012-03-02 2.610 8.207
2011-04-01 2.530 6.936
2010-04-26 2.370 6.073
2010-03-30 2.370 5.640

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Whilst dividend payments have been stable, Caisse Régionale de Crédit Agricole Mutuel du Languedoc has been paying a dividend for less than 10 years.
  • Dividend payments have increased, but Caisse Régionale de Crédit Agricole Mutuel du Languedoc only paid a dividend in the past 9 years.
Current Payout to shareholders
What portion of Caisse Régionale de Crédit Agricole Mutuel du Languedoc's earnings are paid to the shareholders as a dividend.
  • Dividends paid are well covered by earnings (3.5x coverage).
Future Payout to shareholders
  • Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.
X
Income/ dividend checks
We assess Caisse Régionale de Crédit Agricole Mutuel du Languedoc's dividend by checking for:
  1. Firstly is the company paying a notable dividend (greater than 1%) - if not then the rest of the checks are ignored.
  2. Is current dividend yield above the bottom 25% of dividend payers? (1 check)
  3. Is current dividend yield above the top 25% of dividend payers? (1 check)
  4. Have they paid a dividend for 10 years, and during this period has the dividend been volatile (drop of more than 25%)? (1 check)
  5. If they have paid a dividend for 10 years has it increased in this time? (1 check)
  6. How sustainable is the dividend, can Caisse Régionale de Crédit Agricole Mutuel du Languedoc afford to pay it from its earnings today and in 3 years (Payout ratio less than 90%)? (2 checks)
  7. Caisse Régionale de Crédit Agricole Mutuel du Languedoc has a total score of 2/6, see the detailed checks below.


Full details on the Dividends part of the Simply Wall St company analysis model.

Management

 What is the CEO of Caisse Régionale de Crédit Agricole Mutuel du Languedoc's salary, the management and board of directors tenure and is there insider trading?

Management is one of the most important areas of a company. We look at unreasonable CEO compensation, how long the team and board of directors have been around for and insider trading.
CEO
Véronique Flachaire
COMPENSATION €328,195
AGE 61
TENURE AS CEO 7.1 years
CEO Bio

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. Flachaire has been the Managing Director of Crédit Agricole de Charente-Maritime Deux-Sèvres, since 2009. Ms. Flachaire served as the Managing Director of Cedicam (2004) and a Managing Director of the Inforsud group of the regional bank of Quercy-Rouergue (2000). She served as the President and Chairman of the Board at Unexo. She served as a Deputy Managing Director of Crédit Agricole Sud-Ouest, between 1996 and 2000 and the Director of Marketing, Finance and Communications at Crédit Agricole du Midi (1993). She joined the firm on January 19, 2011. Ms. Flachaire has been a Director of Credit Agricole S.A. since February 2010. Ms. Flachaire served as a Director of Sofinco, S.A. She holds a degree from Ensi-Montpellier. She is a graduate of Sciences Po Paris.

CEO Compensation
  • Véronique's compensation has been consistent with company performance over the past year.
  • Véronique's remuneration is lower than average for companies of similar size in United Kingdom of Great Britain and Northern Ireland.
Management Team

Jacques Boyer

TITLE
President of the Board
COMPENSATION
€80K
AGE
65

Véronique Flachaire

TITLE
Chief Executive Officer
COMPENSATION
€328K
AGE
61
TENURE
7.1 yrs

Anne Cavaillon

TITLE
Director of Financial

Georges SARRADIN

TITLE
Investor Relations

Michel Bertrand

TITLE
Deputy Chief Executive Officer of Development
COMPENSATION
€84K

Laurent Sassus

TITLE
Director of Marketing

Jacques Cambon

TITLE
Director of Human Resources & Real Estate

Thibaud Fourtou

TITLE
Deputy Chief Executive Officer of Operations

Claude Guigue

TITLE
Secretary & Director
AGE
60

Éric Régnier

TITLE
Secretary General
Board of Directors Tenure

Average tenure and age of the Caisse Régionale de Crédit Agricole Mutuel du Languedoc board of directors in years:

7.4
Average Tenure
61
Average Age
  • The tenure for the Caisse Régionale de Crédit Agricole Mutuel du Languedoc board of directors is about average.
Board of Directors

Dominique Demouy

TITLE
Vice President of the Board
AGE
63

Jacques Boyer

TITLE
President of the Board
COMPENSATION
€80K
AGE
65
TENURE
7.3 yrs

Jacques Fournier

TITLE
Vice President of the Board
AGE
63

Jean-Claude Limouzy

TITLE
Vice President of the Board
AGE
60

François Viallon

TITLE
Vice President of the Board
AGE
64

Claude Guigue

TITLE
Secretary & Director
AGE
60
TENURE
9.3 yrs

Bernard Angelras

TITLE
Director
AGE
57
TENURE
5.1 yrs

Pierre Bories

TITLE
Director
AGE
45
TENURE
9.3 yrs

Bernard Chapon

TITLE
Director
AGE
62
TENURE
7.5 yrs

Daniel Connart

TITLE
Director
AGE
59
TENURE
5.1 yrs
Who owns this company?
Recent Insider Trading
  • No 3 month insider trading information.
Recent Insider Transactions
Announced Type Name Entity Role Start End Shares Max Price (€) Value (€)
X
Management checks
We assess Caisse Régionale de Crédit Agricole Mutuel du Languedoc's management by checking for:
  1. Is the CEO's compensation unreasonable compared to market cap? (1 check)
  2. Has the CEO's compensation increased more than 20% whilst the EPS is down more then 20%? (1 check)
  3. Is the average tenure of the management team less than 2 years? (1 check)
  4. Is the average tenure of the board of directors team less than 3 years? (1 check)
  5. Caisse Régionale de Crédit Agricole Mutuel du Languedoc has a total score of 0/6, this is not included on the snowflake, see the detailed checks below.


Note: We use the top 6 management executives and board members in our calculations.

Note 2: Insider trading include any internal stakeholders and these transactions .

Full details on the Management part of the Simply Wall St company analysis model.

News

Simply Wall St News

Company Info

Description

Caisse Régionale de Crédit Agricole Mutuel du Languedoc provides various banking products and services to individuals, businesses, farmers, public authorities, and associations in France. It offers savings, deposits, loans, cards, and insurance products. The company is based in Lattes, France.

Details
Name: Caisse Régionale de Crédit Agricole Mutuel du Languedoc
0IJ7
Exchange: LSE
Founded:
€1,482,208,301
19,815,619
Website: http://www.ca-languedoc.com
Address: Caisse Régionale de Crédit Agricole Mutuel du Languedoc
Avenue de Montpelliéret Maurin,
Cedex,
Lattes,
Languedoc-Roussillon, 34977,
France
Listings
Exchange Symbol Ticker Symbol Security Exchange Country Currency Listed on
ENXTPA CRLA Co-Operative Investment Certificates Euronext Paris FR EUR 16. May 2007
LSE 0IJ7 Co-Operative Investment Certificates London Stock Exchange GB EUR 16. May 2007
BATS-CHIXE CRLAP Co-Operative Investment Certificates BATS 'Chi-X Europe' GB EUR 16. May 2007
Number of employees
Current staff
Staff numbers
2,546
Caisse Régionale de Crédit Agricole Mutuel du Languedoc employees.
Industry
Regional Banks
Banks
Company Analysis and Financial Data Status
Area Date (UTC time)
Company Analysis updated: 2019/04/25 22:10
End of day share price update: 2019/03/29 00:00
Last earnings filing: 2019/03/01
Last earnings reported: 2018/12/31
Last annual earnings reported: 2018/12/31


All dates and times in UTC. All financial data provided by Standard & Poor’s Capital IQ.

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.