Caisse Regionale de Credit Agricole Mutuel du Languedoc

CRLA · PA · Financial Services / Banks - Regional

66.98EUR+0.46 (+0.69%)

Price History

Full chart

Market Stats

Previous Close66.52

Open66.52

Day Range66.52 – 66.98

52-Week Range69.26 – 99.00

Volume138

Market Cap1.43B

P/E (TTM)6.71

Forward P/E0.00

EPS10.77

Dividend Yield3.72%

Beta0.70

50-Day Avg88.02

200-Day Avg85.93

About

Caisse Régionale de Crédit Agricole Mutuel du Languedoc Société coopérative provides banking products and services in France. It offers bank accounts and cards; mobile payment; savings accounts, savings plans, and fixed-term accounts; stock market and financial investments; retirement savings; and real estate investment. The company also provides home, car and motorcycle, health and life, leisure, and borrower's insurance products; and online banking services. In addition, it engages in fundraising, consulting, leasing, and factoring activities. It serves individuals, professionals and associations, farmers, private banking, companies, cooperatives, real estate development, local authorities, and renewable energies clients. The company was incorporated in 2006 and is headquartered in Lattes, France. Caisse Régionale de Crédit Agricole Mutuel du Languedoc Société coopérative is a subsidiary of Crédit Agricole S.A.

Company Details

SectorFinancial Services
IndustryBanks - Regional
CEOMr. Richard Laborie
Employees2.42K
HeadquartersAvenue du Montpellieret, Lattes, France, 34977, France
Websitehttps://www.credit-agricole.fr/ca-languedoc/partic

Leadership

Mr. Richard LaborieChief Executive Officer · b. 1967
Ms. Evelyne GuilhemSecretary & President of the Board · b. 1966
Mr. Jean-Noël SappeyDirector of Finance, Investment Clients & Recovery
Mr. Denis MartinsDirector of Corporate, Investment & Agricultural Banking
Mr. Georges SARRADINInvestor Relations
Mr. Laurent SassusMarketing, CSR & Communications Director
Xavier Le CardinalDirector of Human Resources & Credits
Mr. Michel Cros-PelotTreasurer · b. 1958
Ms. Marie-Line ThieulesTreasurer & Director · b. 1978
Patrick CompanSecretary & Director · b. 1964

Financials

Income Statement

Currency: EUR	2000-12-31	2001-12-31	2002-12-31	2003-12-31	2005-12-31	2006-12-31	2007-12-31	2008-12-31	2009-12-31	2010-12-31	2011-12-31	2012-12-31	2013-12-31	2014-12-31	2015-12-31	2016-12-31	2017-12-31	2018-12-31	2019-12-31	2020-12-31	2021-12-31	2022-12-31	2023-12-31	2024-12-31	2025-12-31

Currency: EUR	2000-12-31	2001-12-31	2002-12-31	2003-12-31	2005-12-31	2006-12-31	2007-12-31	2008-12-31	2009-12-31	2010-12-31	2011-12-31	2012-12-31	2013-12-31	2014-12-31	2015-12-31	2016-12-31	2017-12-31	2018-12-31	2019-12-31	2020-12-31	2021-12-31	2022-12-31	2023-12-31	2024-12-31	2025-12-31
Total Revenue	3.05B	515.77M	487.69M	499.00M	648.00M	1.10B	1.23B	1.34B	582.78M	672.36M	667.81M	616.65M	613.29M	586.84M	592.98M	581.73M	479.05M	549.77M	572.61M	513.93M	612.36M	940.96M	571.93M	1.70B	1.57B
Growth (%)	-	-83.12%	-5.44%	+2.32%	+29.86%	+69.69%	+11.61%	+9.04%	-56.45%	+15.37%	-0.68%	-7.66%	-0.54%	-4.31%	+1.05%	-1.90%	-17.65%	+14.76%	+4.15%	-10.25%	+19.15%	+53.66%	-39.22%	+197.30%	-7.46%
Cost of Revenue	-	-	-	-	-	1.10B	1.23B	1.34B	-	-	-	-	0	0	0	0	0	0	-	290.32M	279.46M	322.99M	-10.70M	1.70B	916.78M
Gross Profit	-	-	-	-	-	-	-	-	582.78M	672.36M	667.81M	616.65M	613.29M	586.84M	592.98M	581.73M	479.05M	549.77M	572.61M	513.93M	612.36M	617.97M	582.63M	563.61M	656.80M
Gross Margin	-	-	-	-	-	-	-	-	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	65.67%	101.87%	33.15%	41.74%
Operating Expense	-	-	-	-	-	-	-	-	-162.07M	-104.16M	-237.46M	-216.41M	-148.19M	-128.42M	-89.03M	-159.34M	-278.02M	-23.96M	319.11M	317.82M	331.14M	347.43M	362.55M	362.78M	423.40M
Operating Income	516.03M	310.91M	293.62M	301.00M	419.00M	254.48M	235.00M	178.50M	744.86M	776.52M	905.27M	833.05M	761.48M	715.26M	682.01M	741.07M	757.07M	573.73M	253.50M	196.12M	281.22M	270.55M	220.08M	200.84M	233.41M
Operating Margin	16.89%	60.28%	60.21%	60.32%	64.66%	23.14%	19.15%	13.34%	127.81%	115.49%	135.56%	135.09%	124.16%	121.88%	115.01%	127.39%	158.04%	104.36%	44.27%	38.16%	45.92%	28.75%	38.48%	11.81%	14.83%
EBITDA	-	-	-	-	-	272.13M	270.03M	218.38M	-	-	118.18M	-	-	-	-	-	765.45M	580.99M	265.66M	210.62M	295.80M	285.20M	227.63M	217.77M	247.83M
EBITDA Margin	-	-	-	-	-	24.75%	22.00%	16.32%	-	-	17.70%	-	-	-	-	-	159.79%	105.68%	46.39%	40.98%	48.30%	30.31%	39.80%	12.81%	15.75%
Net Income	-	-	-	-	-	173.93M	163.43M	135.78M	122.25M	185.82M	195.27M	152.13M	158.10M	166.53M	170.34M	159.80M	199.55M	174.66M	186.11M	135.94M	211.17M	217.73M	175.58M	173.32M	189.62M
Net Income Margin	-	-	-	-	-	15.82%	13.32%	10.15%	20.98%	27.64%	29.24%	24.67%	25.78%	28.38%	28.73%	27.47%	41.66%	31.77%	32.50%	26.45%	34.48%	23.14%	30.70%	10.19%	12.05%
Interest Expense	0	0	0	0	0	11.98M	18.38M	26.71M	570.56M	508.36M	623.16M	590.84M	513.08M	465.21M	420.46M	485.81M	462.04M	326.66M	323.28M	290.32M	279.46M	322.99M	927.53M	-	816.78M
Interest Expense % of Total Revenue	0.00%	0.00%	0.00%	0.00%	0.00%	1.09%	1.50%	2.00%	97.90%	75.61%	93.31%	95.82%	83.66%	79.27%	70.91%	83.51%	96.45%	59.42%	56.46%	56.49%	45.64%	34.33%	162.18%	-	51.91%

Balance Sheet

Currency: EUR	2000-12-31	2001-12-31	2002-12-31	2003-12-31	2004-12-31	2005-12-31	2006-12-31	2007-12-31	2008-12-31	2009-12-31	2010-12-31	2011-12-31	2012-12-31	2013-12-31	2014-12-31	2015-12-31	2016-12-31	2017-12-31	2018-12-31	2019-12-31	2020-12-31	2021-12-31	2022-12-31	2023-12-31	2024-12-31	2025-12-31

Currency: EUR	2000-12-31	2001-12-31	2002-12-31	2003-12-31	2004-12-31	2005-12-31	2006-12-31	2007-12-31	2008-12-31	2009-12-31	2010-12-31	2011-12-31	2012-12-31	2013-12-31	2014-12-31	2015-12-31	2016-12-31	2017-12-31	2018-12-31	2019-12-31	2020-12-31	2021-12-31	2022-12-31	2023-12-31	2024-12-31	2025-12-31
Total Assets	38.18B	6.32B	6.41B	6.85B	7.44B	8.69B	15.29B	16.79B	17.66B	18.05B	19.38B	21.36B	21.89B	20.51B	21.75B	23.22B	23.70B	24.25B	25.81B	27.73B	30.96B	33.62B	36.63B	35.01B	36.08B	36.29B
Total Liabilities	34.97B	5.61B	5.65B	6.03B	6.70B	7.34B	12.83B	14.49B	15.89B	15.92B	17.09B	18.96B	19.33B	17.81B	18.93B	20.26B	20.59B	20.91B	22.02B	23.64B	26.83B	28.89B	31.88B	29.93B	30.63B	30.23B
Total Equity	3.21B	703.76M	757.33M	814.00M	-	1.35B	2.46B	2.30B	1.77B	2.13B	2.29B	2.40B	2.56B	2.71B	2.83B	2.97B	3.10B	3.34B	3.79B	4.09B	4.12B	4.73B	4.74B	5.07B	5.44B	6.04B
Cash	294.29M	64.39M	76.92M	92.00M	-	110.00M	93.43M	99.96M	100.15M	127.18M	104.10M	108.39M	257.69M	194.84M	182.37M	238.10M	231.54M	610.91M	368.54M	831.92M	1.62B	2.54B	1.40B	1.16B	187.81M	190.17M
Total Debt	-	-	-	-	-	-	9.17B	10.18B	11.15B	11.18B	11.65B	12.39B	15.13M	6.00K	1.78M	12.01M	12.52B	29.99M	57.71M	66.95M	103.75M	96.90M	115.64M	97.03M	17.38B	16.26B
Net Debt	-	-	-	-	-	-	9.17B	10.18B	11.15B	11.05B	11.55B	12.28B	-242.56M	-194.83M	-180.59M	-226.09M	12.29B	-580.92M	-310.83M	-764.97M	-1.52B	-2.44B	-1.29B	-1.06B	17.38B	16.07B

Cash Flow

Currency: EUR	2006-12-31	2007-12-31	2008-12-31	2009-12-31	2010-12-31	2011-12-31	2012-12-31	2013-12-31	2014-12-31	2015-12-31	2016-12-31	2017-12-31	2018-12-31	2019-12-31	2020-12-31	2021-12-31	2022-12-31	2023-12-31	2024-12-31	2025-12-31

Currency: EUR	2006-12-31	2007-12-31	2008-12-31	2009-12-31	2010-12-31	2011-12-31	2012-12-31	2013-12-31	2014-12-31	2015-12-31	2016-12-31	2017-12-31	2018-12-31	2019-12-31	2020-12-31	2021-12-31	2022-12-31	2023-12-31	2024-12-31	2025-12-31
Operating Cash Flow	245.87M	276.51M	120.79M	36.51M	5.16M	157.86M	-131.58M	132.77M	-46.80M	207.05M	791.89M	-55.90M	85.08M	436.74M	745.78M	974.94M	-859.89M	-464.40M	-752.11M	442.33M
Investing Cash Flow	-91.69M	176.38M	-270.41M	-27.22M	-6.65M	62.94M	-6.09M	-20.14M	-11.83M	-12.23M	-765.00M	-15.66M	-15.65M	-19.94M	29.59M	-26.16M	-58.19M	-30.30M	-18.80M	-419.92M
Financing Cash Flow	-34.34M	-37.40M	-40.03M	-49.09M	-58.01M	-128.59M	-6.92M	-14.75M	-31.36M	-23.01M	-26.00M	17.53M	30.64M	1.23M	32.84M	51.05M	69.55M	-56.78M	21.88M	15.47M
Capital Expenditure	19.37M	13.74M	5.59M	1.03M	4.18M	3.95M	5.96M	7.78M	8.50M	7.93M	3.48M	10.84M	8.73M	13.61M	13.37M	17.96M	22.44M	20.05M	4.36M	47.77M
Free Cash Flow	226.50M	262.77M	115.19M	35.48M	981.00K	153.91M	-137.54M	124.99M	-55.30M	199.12M	788.41M	-66.74M	76.35M	423.12M	732.42M	956.98M	-882.33M	-484.45M	-756.47M	394.56M
Dividends Paid	19.48M	15.44M	21.32M	24.65M	20.02M	105.10M	23.38M	21.41M	20.48M	19.49M	19.42M	19.29M	19.93M	20.50M	20.84M	21.13M	22.59M	-	27.90M	-
FCF to OCF	92.12%	95.03%	95.37%	97.19%	19.02%	97.50%	104.53%	94.14%	118.17%	96.17%	99.56%	119.39%	89.74%	96.88%	98.21%	98.16%	102.61%	104.32%	100.58%	89.20%
Dividend Paid to FCF	8.60%	5.87%	18.51%	69.47%	2040.37%	68.28%	-16.99%	17.13%	-37.04%	9.79%	2.46%	-28.90%	26.11%	4.85%	2.84%	2.21%	-2.56%	-	-3.69%	-

Earnings

Report Date	Jul 26, 2017	Jan 26, 2018	Aug 10, 2018	Mar 15, 2019	Aug 9, 2019	Aug 7, 2020	Mar 12, 2021	Aug 6, 2021	Mar 14, 2022	Aug 5, 2022	Mar 15, 2023	Mar 12, 2025	Jul 31, 2025
EPS Estimate	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	-
EPS Actual	5.01	5.05	5.32	3.49	5.54	1.75	5.11	5.53	5.15	7.40	3.60	2.96	6.36
Surprise	-	-	-	-	-	-	-	-	-	-	-	-	-
Timing	After-hours	After-hours	-	-	-	-	-	-	-	-	-	-	Pre-market

Key Statistics & Ratios

Market Cap1.43B

Enterprise Value1.23B

Trailing P/E6.71

Forward P/E0.00

PEG Ratio0.00

Price / Sales2.25

Price / Book0.27

EPS10.77

Book Value317.73

Revenue (TTM)633.36M

Gross Profit (TTM)633.36M

Profit Margin33.48%

Operating Margin45.12%

Return on Equity3.53%

Return on Assets0.59%

Shares Outstanding1.75M

Shares Float1.76M

Beta0.70

Dividend Yield3.72%

Dividend Rate2.69

Payout Ratio24.99%

Dividends

20261×

2.69Apr 14, 2026

20251×

2.66Apr 15, 2025

20241×

2.74Apr 16, 2024

20231×

2.78Apr 18, 2023

20221×

2.69Apr 19, 2022

20211×

2.55Apr 13, 2021

20191×

2.52Apr 16, 2019

20181×

2.46Apr 11, 2018

20171×

2.39Apr 11, 2017

20161×

2.34Apr 13, 2016

20151×

2.30Apr 13, 2015

20141×

2.34Apr 10, 2014

20131×

2.46Apr 15, 2013

20122×

2.61Apr 23, 20122.61Apr 11, 2012

20111×

2.53Apr 12, 2011

20101×

2.37Apr 12, 2010

20091×

2.24Apr 8, 2009

20081×

2.22Apr 9, 2008

20071×

4.19Apr 3, 2007

20061×

3.55Apr 13, 2006

20051×

3.44May 10, 2005

20041×

4.58May 10, 2004

20031×

2.71May 2, 2003