0IJ7 Stock Overview

Provides various banking products and services to individuals, professionals and associations, farmers, businesses, private banking customers, and public and social housing community clients in France. More details

0IJ7 fundamental analysis
Snowflake Score
Valuation	3/6
Future Growth	0/6
Past Performance	3/6
Financial Health	6/6
Dividends	4/6

Rewards

Trading at 48.2% below our estimate of its fair value

Earnings have grown 4.2% per year over the past 5 years

Pays a reliable dividend of 5.03%

Risk Analysis

Shares are highly illiquid

My Notes

Capture your thoughts, links and company narrative

Caisse Régionale de Crédit Agricole Mutuel du Languedoc Société coopérative Competitors

Close Brothers Group

LSE:CBG

UK£363.2m

TBC Bank Group

LSE:TBCG

UK£1.7b

Bank of Georgia Group

LSE:BGEO

UK£2.0b

Halyk Bank of Kazakhstan

LSE:HSBK

US$5.4b

Price History & Performance

Summary of share price highs, lows and changes for Caisse Régionale de Crédit Agricole Mutuel du Languedoc Société coopérative
Historical stock prices
Current Share Price	€55.50
52 Week High	€55.50
52 Week Low	€48.54
Beta	0.90
1 Month Change	1.83%
3 Month Change	n/a
1 Year Change	18.40%
3 Year Change	n/a
5 Year Change	n/a
Change since IPO	-9.39%

Recent News & Updates

No updates

Recent updates

No updates

Shareholder Returns

	0IJ7	GB Banks	GB Market
7D	0%	5.8%	3.3%
1Y	18.4%	51.8%	10.6%

Return vs Industry: 0IJ7 underperformed the UK Banks industry which returned 54.3% over the past year.

Return vs Market: 0IJ7 exceeded the UK Market which returned 10.9% over the past year.

Price Volatility

Is 0IJ7's price volatile compared to industry and market?
0IJ7 volatility
0IJ7 Average Weekly Movement	n/a
Banks Industry Average Movement	4.1%
Market Average Movement	4.9%
10% most volatile stocks in GB Market	10.8%
10% least volatile stocks in GB Market	2.6%

Stable Share Price: 0IJ7's share price has been volatile over the past 3 months compared to the UK market.

Volatility Over Time: Insufficient data to determine 0IJ7's volatility change over the past year.

About the Company

Founded	Employees	CEO	Website
2006	2,769	Christian Rouchon	www.credit-agricole.fr/ca-languedoc/particulier.html

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 and social housing community clients in France. The company offers accounts and cards; savings products; loans; real estate and consumer loans; business creation, medium and long term, and other financing services; online banking; leasing, cash management, treasury, and advisory services. It also provides car and two wheeler, home, health and death, leisure and daily life, professional premises and vehicle, activity, employee, agricultural building and equipment, pension, borrower, and other insurance products.

Caisse Régionale de Crédit Agricole Mutuel du Languedoc Société coopérative Fundamentals Summary

How do Caisse Régionale de Crédit Agricole Mutuel du Languedoc Société coopérative's earnings and revenue compare to its market cap?
0IJ7 fundamental statistics
Market cap	€1.08b
Earnings (TTM)	€182.02m
Revenue (TTM)	€573.13m

5.9x

P/E Ratio

0.2x

P/B Ratio

Is 0IJ7 overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
0IJ7 income statement (TTM)
Revenue	€573.13m
Cost of Revenue	€0
Gross Profit	€573.13m
Other Expenses	€391.11m
Earnings	€182.02m

Last Reported Earnings

Jun 30, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	9.20
Gross Margin	100.00%
Net Profit Margin	31.76%
Debt/Equity Ratio	6.4%

How did 0IJ7 perform over the long term?

See historical performance and comparison

Dividends

5.0%

Current Dividend Yield

30%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2025/01/19 10:25
End of Day Share Price	2024/12/23 00:00
Earnings	2024/06/30
Annual Earnings	2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* example for US securities, for non-US equivalent regulatory forms and sources are used.

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.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

Caisse Régionale de Crédit Agricole Mutuel du Languedoc Société coopérative is covered by 0 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution