Company Deep Dive

Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.

Request Deep Dive(50 Feathers)

CRLA.PA

HOLDREMOVEGet insider-trade alerts

Caisse Régionale de Crédit Agricole Mutuel du Languedoc Société coopérative · Financial Services · France · $2.1B · Avg Vol: $94K/d

57
StockRank
Q
30
V
50
M
68
P/E (TTM)
9.8x
ROE
3.3%
D/E
—
Dividend %
2.8%
Director Trades · 180d
None in 180d →
Buybacks · 180d
None in 180d →
AI CONVICTION THESIS

Caisse Régionale de Crédit is a low-growth regional French financial institution with weak profitability metrics and no thematic tailwinds.

COMPANY DESCRIPTION

Caisse Régionale de Crédit Agricole Mutuel du Languedoc is a cooperative regional bank providing a comprehensive range of financial and insurance services in the Languedoc region of France. The bank's competitive moat is sustained by its dominant local market share, cooperative governance, and deep integration into the regional agricultural economy. It is a leading regional financial institution within the Crédit Agricole group.

FINANCIAL SUMMARY (USD)

Year20212022202320242025CAGR
Revenue697.4M703.8M663.6M—677.0M-0.7%
EPS137.53142.05114.43——-8.8%
Shares1.8M1.8M1.8M—19.8M+1029.3%
Debt110.4M131.7M110.5M—109.6M-0.2%
Equity5.4B5.4B5.8B—6.9B6.3%
Op CF—1.1B-979.4M-528.9M107.8M-54.0%
Inv CF—-29.8M-66.3M-34.5M-82.3M—
Fin CF—58.1M79.2M-64.7M17.6M—
Loading...
PRICE (1Y)+9.9%
99.66103106109112May 15Jun 5Jun 25
SMA 50SMA 200
Close
$109.90
RSI (14)
42.1
52W High
$112.76
From 52W High
1.0%

SCORE BREAKDOWN

Quality
30
ROIC (ROA)
0.5%*23.9
ROE
3.3%15.7
GP/Assets
1.6%15.3
Op. Margin
33.0%51.2
FCF/Assets
—N/A
Piotroski
373.8
Int. Cover
—N/A
D/E Ratio
—N/A
Current Ratio
—N/A
Value
50
P/E (TTM)
9.8x71.0
EV/EBITDA
—N/A
P/FCF
—N/A
P/B
0.3x96.2
P/S
3.1x56.5
Div Yield
2.8%36.7
Momentum
68
52W High %
97%78.1
RS 6M
22%90.8
SMA 50/200
1.12x81.7
EPS Rev 4W
—N/A
EPS Rev 12W
—N/A
EPS Improve
—N/A
Q Growth
9%44.1

FUNDAMENTALS

Market Cap
$2.1B
P/E (Forward)
—
Gross Margin
0.0%

SECTOR PEERS

Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of CRLA.PA are excluded.

TickerCompanyMkt CapStockRankSignal
CRLA.PACaisse Régionale de Crédit Agricole Mutuel du Languedoc Société coopérative(you)$2.1B57HOLD
CRBP2.PACaisse Régionale de Crédit Agricole Mutuel Brie Picardie Société coopérative$2.1B56HOLD
CRSU.PACaisse Régionale de Crédit Agricole Mutuel Sud Rhône Alpes$1.2B53HOLD
CCN.PACaisse Régionale de Crédit Agricole Mutuel de Normandie-Seine Société coopérative$1.1B45HOLD
CAT31.PACaisse Regionale de Credit Agricole Mutuel Toulouse 31$666M55HOLD
CRAP.PACaisse Régionale de Crédit Agricole Mutuel Alpes Provence Société coopérative$1.3B41HOLD
CRAV.PACaisse régionale de Crédit Agricole Mutuel Atlantique Vendée$1.3B36HOLD
CIV.PACaisse régionale de Crédit Agricole Mutuel d'Ille-et-Vilaine Société coopérative$851M43HOLD
CMO.PACaisse Régionale de Crédit Agricole du Morbihan$734M43HOLD
CRTO.PACaisse Régionale de Crédit Agricole Mutuel de la Touraine et du Poitou Société Coopérative$985M37HOLD

Peer medians: ROE 5.6% · P/E 10.8x · Gross margin 0.0%

Caisse Régionale de Crédit Agricole Mutuel du Languedoc Société coopérative (CRLA.PA) — Stock Score Summary

Caisse Régionale de Crédit Agricole Mutuel du Languedoc Société coopérative (CRLA.PA) has a MoatMap StockRank of 57/100 based on Quality (30/100), Value (50/100), and Momentum (68/100) factor scores. The current signal is HOLD. Caisse Régionale de Crédit is a low-growth regional French financial institution with weak profitability metrics and no thematic tailwinds.

Caisse Régionale de Crédit Agricole Mutuel du Languedoc is a cooperative regional bank providing a comprehensive range of financial and insurance services in the Languedoc region of France. The bank's competitive moat is sustained by its dominant local market share, cooperative governance, and deep integration into the regional agricultural economy. It is a leading regional financial institution within the Crédit Agricole group.

Key Financial Metrics

Price$109.90
Market Cap$2.1B
P/E (TTM)9.82
Price/Book0.31
Return on Equity3.3%
Gross Margin0.0%
Operating Margin33.0%
Revenue Growth7.9%
Dividend Yield2.8%

Caisse Régionale de Crédit Agricole Mutuel du Languedoc Société coopérative operates in the Banks - Regional industry, part of the Financial Services sector (France).

Frequently Asked Questions

What is Caisse Régionale de Crédit Agricole Mutuel du Languedoc Société coopérative’s (CRLA.PA) StockRank?
MoatMap’s StockRank for Caisse Régionale de Crédit Agricole Mutuel du Languedoc Société coopérative (CRLA.PA) is 57/100, with a Hold signal. It is a composite of Quality (30), Value (50), and Momentum (68) factor ranks across MoatMap’s 20,000+ stock universe.
Does Caisse Régionale de Crédit Agricole Mutuel du Languedoc Société coopérative have an economic moat?
Caisse Régionale de Crédit Agricole Mutuel du Languedoc Société coopérative (CRLA.PA) has a Quality factor score of 30/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage — the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the characteristics of a moated business.
Is Caisse Régionale de Crédit Agricole Mutuel du Languedoc Société coopérative a buy, hold, or sell?
MoatMap’s current signal for Caisse Régionale de Crédit Agricole Mutuel du Languedoc Société coopérative (CRLA.PA) is Hold, based on a StockRank of 57/100. Signals are derived mechanically from the StockRank composite and should be one input among many — combine with your own thesis on management, competitive position, and valuation.
What sector is Caisse Régionale de Crédit Agricole Mutuel du Languedoc Société coopérative in?
Caisse Régionale de Crédit Agricole Mutuel du Languedoc Société coopérative (CRLA.PA) operates in the Financial Services sector, specifically the Banks - Regional industry (France).
Browse all ranked stocksCRLA.PA deep dive reportAI ChampionsHow we score stocksSense-check another stock