Caisse Regionale de Credit Agricole Mutuel Loire HauteLoire

CRLO · PA · Financial Services / Banks - Regional

85.43EUR-2.05 (-2.34%)

Price History

Full chart

Market Stats

Previous Close87.48

Open85.00

Day Range85.00 – 86.00

52-Week Range87.50 – 128.00

Volume149

Market Cap753.93M

P/E (TTM)10.62

Forward P/E0.00

EPS8.85

Dividend Yield3.09%

Beta0.62

50-Day Avg98.11

200-Day Avg103.02

About

Caisse Régionale de Crédit Agricole Mutuel Loire Haute-Loire Société coopérative provides various banking products and services to individuals, professionals, farmers, business, public community and social housing, and associations in France. The company offers accounts and cards; mobile payment, savings account, term deposits, life insurance, stock market, investment, retirement savings, financial investments, real estate investment, and other press subscription services. It also offers home, health, welfare insurance, personal accident, civil liability, legal protection, mobile, car, two-wheeler, funeral, telecare, and borrower insurance. In addition, the company provides real estate, consumer, work, and vehicle loans. Caisse Régionale de Crédit Agricole Mutuel Loire Haute-Loire Société cooperative is headquartered in Saint-Étienne, France.

Company Details

SectorFinancial Services
IndustryBanks - Regional
CEOMs. Gaelle Regnard
Employees1.42K
Headquarters94 rue Bergson, Saint-Étienne, France, 42000, France
Websitehttps://www.credit-agricole.fr

Leadership

Ms. Gaelle RegnardCEO & Director General · b. 1973
Ms. Murielle GoffozInvestor Relations Professional
Gontran SurmaDirector of Marketing, Customer Communication & Remote Relations
Sylvain ValetteDirector of Credit, Banking & Insurance

Financials

Income Statement

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 Revenue	2.55B	443.68M	405.68M	422.78M	436.49M	474.54M	492.79M	564.14M	595.72M	341.28M	372.32M	385.76M	377.44M	414.48M	389.92K	410.42K	407.27K	417.79K	396.24K	608.69M	575.98M	603.45M	637.87M	365.46M	387.06M	760.30M
Growth (%)	-	-82.59%	-8.56%	+4.21%	+3.24%	+8.72%	+3.85%	+14.48%	+5.60%	-42.71%	+9.10%	+3.61%	-2.16%	+9.81%	-99.91%	+5.26%	-0.77%	+2.58%	-5.16%	+153516.63%	-5.37%	+4.77%	+5.70%	-42.71%	+5.91%	+96.43%
Cost of Revenue	-	-	-	-	436.49M	474.54M	492.79M	564.14M	595.72M	-	-	-	-	0	0	0	0	0	0	-	-	146.77M	165.61M	341.00M	413.35M	406.37M
Gross Profit	-	-	-	-	-	-	-	-	-	341.28M	372.32M	385.76M	377.44M	414.48M	389.92K	410.42K	407.27K	417.79K	396.24K	608.69M	367.20M	404.32M	394.34M	369.29M	393.97M	353.93M
Gross Margin	-	-	-	-	-	-	-	-	-	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	63.75%	67.00%	61.82%	101.05%	101.78%	46.55%
Operating Expense	-	-	-	-	-	-	-	-	-	-20.31M	1.82M	-4.02M	-17.27M	33.24M	233.84K	244.74K	253.63K	269.14K	259.02K	608.56M	249.98M	265.39M	254.94M	288.05M	297.67M	281.33M
Operating Income	1.53B	255.82M	228.50M	89.67M	90.58M	108.08M	107.57M	108.18M	98.52M	361.59M	370.51M	389.78M	394.70M	381.23M	156.08K	165.68K	153.64K	148.65K	137.22K	132.22K	117.22M	138.93M	139.40M	81.24M	96.30M	72.60M
Operating Margin	59.86%	57.66%	56.32%	21.21%	20.75%	22.78%	21.83%	19.18%	16.54%	105.95%	99.51%	101.04%	104.58%	91.98%	40.03%	40.37%	37.73%	35.58%	34.63%	0.02%	20.35%	23.02%	21.85%	22.23%	24.88%	9.55%
EBITDA	-	-	-	-	89.89M	162.66M	161.84M	121.73M	111.74M	369.72M	376.99M	395.72M	401.35M	388.38M	-7.84M	-7.50M	45	16	24	-1	129.42M	150.85M	118.80M	91.28M	104.40M	84.44M
EBITDA Margin	-	-	-	-	20.59%	34.28%	32.84%	21.58%	18.76%	108.33%	101.25%	102.58%	106.34%	93.70%	-2010.50%	-1826.59%	0.01%	0.00%	0.01%	-0.00%	22.47%	25.00%	18.62%	24.98%	26.97%	11.11%
Net Income	-	-	-	-	57.54M	72.93M	75.98M	79.91M	71.92M	76.27M	88.94M	91.08M	67.95M	88.23M	102.74K	106.86K	111.29K	103.96K	99.56K	91.93M	69.73M	95.73M	85.11M	67.70M	77.77M	63.20M
Net Income Margin	-	-	-	-	13.18%	15.37%	15.42%	14.16%	12.07%	22.35%	23.89%	23.61%	18.00%	21.29%	26.35%	26.04%	27.33%	24.88%	25.13%	15.10%	12.11%	15.86%	13.34%	18.52%	20.09%	8.31%
Interest Expense	0	0	0	0	37.33M	41.10M	41.53M	3.18M	3.54M	250.95M	238.74M	255.78M	282.40M	238.70M	217.67M	1.37M	1.37M	873.00K	455.00K	168.96M	154.67M	146.77M	165.61M	341.00M	413.35M	394.22M
Interest Expense % of Total Revenue	0.00%	0.00%	0.00%	0.00%	8.55%	8.66%	8.43%	0.56%	0.59%	73.53%	64.12%	66.31%	74.82%	57.59%	55824.47%	333.32%	335.40%	208.96%	114.83%	27.76%	26.85%	24.32%	25.96%	93.31%	106.79%	51.85%

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	28.19B	4.72B	4.94B	5.08B	5.39B	6.19B	6.80B	7.18B	7.73B	8.12B	8.95B	9.90B	10.21B	9.89B	9.68M	10.13M	10.75M	11.26M	11.84M	12.23B	13.44B	14.40B	15.32B	15.00B	15.24B	15.57B
Total Liabilities	25.31B	4.09B	4.27B	4.31B	4.63B	5.19B	5.60B	6.04B	6.80B	7.02B	7.77B	8.63B	8.86B	8.46B	8.14M	8.50M	9.01M	9.40M	9.77M	10.02B	11.20B	11.89B	12.81B	12.36B	12.42B	12.51B
Total Equity	2.88B	623.85M	670.78M	767.51M	759.75M	999.93M	1.21B	1.14B	929.36M	1.10B	1.19B	1.26B	1.35B	1.43B	1.54M	1.63M	1.74M	1.86M	2.06M	2.21B	2.23B	2.52B	2.52B	2.65B	2.82B	3.06B
Cash	473.75M	76.23M	56.46M	67.95M	85.77M	76.52M	42.09M	35.55M	41.34M	45.61M	40.46M	37.84M	110.38M	95.16M	29.10K	26.58K	28.16K	28.66K	109.97K	30.44K	33.91K	99.17M	73.63M	118.82M	47.61M	41.51M
Total Debt	-	-	-	-	3.06B	3.45B	3.74B	4.12B	4.47B	4.52B	5.13B	5.71B	32.49M	32.52M	32.54M	5.24B	5.43B	5.57B	5.87B	5.91B	6.31B	6.92B	7.67B	54.08M	7.29B	7.45B
Net Debt	-	-	-	-	3.06B	3.45B	3.74B	4.12B	4.47B	4.47B	5.09B	5.67B	-77.89M	-62.65M	32.51M	5.24B	5.43B	5.57B	5.87B	5.91B	6.31B	6.82B	7.60B	-64.74M	51.76M	7.41B

Cash Flow

Currency: EUR	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	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
Operating Cash Flow	112.55M	-16.80M	132.23M	170.06M	81.86M	46.62M	184.82M	-190.36M	109.69M	-74.91M	-62.57K	107.67K	445.42K	7.21K	34.37K	105.01M	101.50M	144.03M	345.54M	-256.27M	-111.64M	203.76M
Investing Cash Flow	22.85M	-257.60M	-57.58M	-339.79M	172.74M	-19.82M	-4.61M	-6.71M	-7.24M	-9.75M	-7.93K	-6.00K	-395.83K	-32.99K	-17.89K	116.26M	84.16M	499.08M	-845.46M	-13.43M	-37.64M	-154.70M
Financing Cash Flow	-71.02M	-7.04M	20.53M	-13.84M	-19.71M	-15.01M	-11.85M	-3.06M	11.11M	-9.07M	-1.50K	-10.83M	-22.01M	-169.00K	5.93K	-12.00K	20.10M	11.25M	18.66M	-42.76M	1.99M	-17.12M
Capital Expenditure	32.56M	27.10M	16.35M	7.17M	2.76M	3.67M	3.55M	4.92M	6.92M	6.46M	6.71K	3.33K	14.73K	31.68K	16.01K	14.60M	22.50M	27.97M	12.97M	11.65M	22.43M	24.18M
Free Cash Flow	79.99M	-43.90M	115.88M	162.89M	79.10M	42.95M	181.27M	-195.29M	102.78M	-81.37M	-69.29K	104.34K	430.69K	-24.46K	18.36K	90.41M	79.00M	116.05M	332.57M	-267.92M	-134.07M	179.58M
Dividends Paid	68.97M	5.09M	7.83M	-	-	-	-	-	12.00M	12.09M	11.98M	11.57M	11.89M	11.91M	12.02M	12.27M	12.55M	12.20M	-	15.34M	16.63M	-
FCF to OCF	71.07%	261.24%	87.64%	95.78%	96.63%	92.12%	98.08%	102.59%	93.70%	108.62%	110.73%	96.91%	96.69%	-339.07%	53.41%	86.10%	77.83%	80.58%	96.25%	104.55%	120.09%	88.13%
Dividend Paid to FCF	86.22%	-11.61%	6.76%	-	-	-	-	-	11.67%	-14.86%	-17290.65%	11093.33%	2761.86%	-48704.22%	65480.99%	13.57%	15.89%	10.51%	-	-5.73%	-12.40%	-

Earnings

Report Date	Mar 18, 2016	Sep 19, 2016	Mar 15, 2017	Aug 2, 2017	Mar 12, 2018	Aug 2, 2018	Mar 20, 2019	Aug 2, 2019	Apr 6, 2020	Sep 3, 2020	Mar 12, 2021	Sep 22, 2021	Mar 9, 2022	Sep 29, 2022	Jan 30, 2023	Sep 25, 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	0.00	0.00	0.00	0.00
EPS Actual	6.38	8.56	5.17	7.07	5.76	6.34	5.94	6.52	4.82	2.49	6.11	6.81	5.00	7.18	0.00	6.25
Surprise	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Timing	-	-	-	-	-	-	-	-	-	-	-	-	-	-	After-hours	-

Key Statistics & Ratios

Market Cap753.93M

Enterprise Value632.11M

Trailing P/E10.62

Forward P/E0.00

PEG Ratio0.00

Price / Sales1.93

Price / Book0.26

EPS8.85

Book Value390.87

Revenue (TTM)391.56M

Gross Profit (TTM)391.56M

Profit Margin18.09%

Operating Margin30.74%

Return on Equity2.33%

Return on Assets0.46%

Shares Outstanding953.44K

Shares Float958.61K

Beta0.62

Dividend Yield3.09%

Dividend Rate2.90

Payout Ratio32.76%

Dividends

20221×

3.00Jun 1, 2022

20211×

2.70Jun 2, 2021

20202×

2.93Dec 16, 20202.93Jun 3, 2020

20191×

2.93Jun 5, 2019

20181×

2.91May 30, 2018

20171×

2.90May 31, 2017

20161×

2.90Jun 1, 2016

20151×

2.76Jun 3, 2015

20141×

2.65Jun 3, 2014

20131×

2.65Jun 4, 2013

20121×

2.65Jun 5, 2012

20111×

2.55May 31, 2011

20101×

2.40Jun 1, 2010

20091×

2.57Jun 2, 2009

20081×

2.57Jun 3, 2008

20071×

1.98Jun 8, 2007

20061×

1.83Jun 9, 2006

20051×

1.72Jun 10, 2005

20041×

2.58Jun 11, 2004

20031×

1.66Jun 6, 2003

20021×

2.20Jun 7, 2002

20011×

1.30Jun 8, 2001

20001×

1.25Jun 9, 2000