Caisse Régionale de Crédit Agricole is a French regional cooperative bank. It is a highly regulated, low-growth utility-like financial institution with no pricing power and no exposure to our high-conviction macro themes.

COMPANY DESCRIPTION

Caisse Régionale de Crédit Agricole Mutuel Loire Haute-Loire is a regional cooperative bank serving retail, corporate, and agricultural clients in the Loire and Haute-Loire departments of France. Its competitive advantage is rooted in its cooperative business model, strong local brand equity, and dominant market share in regional lending. It operates as a stable, regional market leader within the Crédit Agricole network.

FINANCIAL SUMMARY (USD)

Year	2021	2022	2023	2024	2025	CAGR
Revenue	—	449.1M	420.6M	448.7M	438.9M	-0.8%
EPS	13.46	97.06	77.20	88.68	—	87.5%
Shares	—	1.0M	1.0M	1.0M	8.1M	+707.2%
Debt	—	86.5M	61.6M	70.0M	61.3M	-10.8%
Equity	—	2.9B	3.0B	3.2B	3.5B	6.7%
Op CF	—	-541.4M	-291.9M	-127.2M	98.8M	—
Inv CF	—	-28.0M	-15.3M	-42.9M	-42.9M	—
Fin CF	—	21.3M	-48.7M	2.3M	-19.5M	—

PRICE (1Y)+6.2%

SMA 50SMA 200

$131.89

RSI (14)

29.1

52W High

$145.79

From 52W High

0.9%

SCORE BREAKDOWN

Quality

ROIC (ROA)

0.4%*19.6

ROE

2.1%13.0

GP/Assets

2.4%27.2

Op. Margin

9.9%26.3

FCF/Assets

—N/A

Piotroski

446.3

Int. Cover

—N/A

D/E Ratio

—N/A

Current Ratio

—N/A

Value

P/E (TTM)

15.1x39.4

EV/EBITDA

—N/A

P/FCF

—N/A

P/B

0.3x96.1

P/S

2.5x65.8

Div Yield

2.5%31.4

Momentum

52W High %

90%48.3

RS 6M

25%92.2

SMA 50/200

1.13x85.7

EPS Rev 4W

—N/A

EPS Rev 12W

—N/A

EPS Improve

—N/A

Q Growth

-57%5.3

FUNDAMENTALS

Market Cap

$1.1B

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 CRLO.PA are excluded.

Ticker	Company	Mkt Cap	StockRank	Signal
CRLO.PA	Caisse Régionale de Crédit Agricole Mutuel Loire Haute-Loire Société coopérative(you)	$1.1B	34	SELL
CRAV.PA	Caisse régionale de Crédit Agricole Mutuel Atlantique Vendée	$1.3B	36	HOLD
CRTO.PA	Caisse Régionale de Crédit Agricole Mutuel de la Touraine et du Poitou Société Coopérative	$985M	37	HOLD
CRAP.PA	Caisse Régionale de Crédit Agricole Mutuel Alpes Provence Société coopérative	$1.3B	41	HOLD
CCN.PA	Caisse Régionale de Crédit Agricole Mutuel de Normandie-Seine Société coopérative	$1.1B	45	HOLD
CIV.PA	Caisse régionale de Crédit Agricole Mutuel d'Ille-et-Vilaine Société coopérative	$851M	43	HOLD
CMO.PA	Caisse Régionale de Crédit Agricole du Morbihan	$734M	43	HOLD
CRSU.PA	Caisse Régionale de Crédit Agricole Mutuel Sud Rhône Alpes	$1.2B	53	HOLD
CAF.PA	Caisse Régionale de Crédit Agricole Mutuel de Paris et d'Ile-de-France	$3.8B	33	SELL
CAT31.PA	Caisse Regionale de Credit Agricole Mutuel Toulouse 31	$666M	55	HOLD

Peer medians: ROE 5.6% · P/E 10.7x · Gross margin 0.0%

Caisse Régionale de Crédit Agricole Mutuel Loire Haute-Loire Société coopérative (CRLO.PA) — Stock Score Summary

Caisse Régionale de Crédit Agricole Mutuel Loire Haute-Loire Société coopérative (CRLO.PA) has a MoatMap StockRank of 34/100 based on Quality (25/100), Value (44/100), and Momentum (56/100) factor scores. The current signal is SELL. Caisse Régionale de Crédit Agricole is a French regional cooperative bank. It is a highly regulated, low-growth utility-like financial institution with no pricing power and no exposure to our high-conviction macro themes.

Key Financial Metrics

Price	$131.89
Market Cap	$1.1B
P/E (TTM)	15.05
Price/Book	0.31
Return on Equity	2.1%
Gross Margin	0.0%
Operating Margin	9.9%
Revenue Growth	-8.5%
Dividend Yield	2.5%

Caisse Régionale de Crédit Agricole Mutuel Loire Haute-Loire 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 Loire Haute-Loire Société coopérative’s (CRLO.PA) StockRank?: MoatMap’s StockRank for Caisse Régionale de Crédit Agricole Mutuel Loire Haute-Loire Société coopérative (CRLO.PA) is 34/100, with a Sell signal. It is a composite of Quality (25), Value (44), and Momentum (56) factor ranks across MoatMap’s 20,000+ stock universe.
Does Caisse Régionale de Crédit Agricole Mutuel Loire Haute-Loire Société coopérative have an economic moat?: Caisse Régionale de Crédit Agricole Mutuel Loire Haute-Loire Société coopérative (CRLO.PA) has a Quality factor score of 25/100. 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 Loire Haute-Loire Société coopérative a buy, hold, or sell?: MoatMap’s current signal for Caisse Régionale de Crédit Agricole Mutuel Loire Haute-Loire Société coopérative (CRLO.PA) is Sell, based on a StockRank of 34/100. 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 Loire Haute-Loire Société coopérative in?: Caisse Régionale de Crédit Agricole Mutuel Loire Haute-Loire Société coopérative (CRLO.PA) operates in the Financial Services sector, specifically the Banks - Regional industry (France).