Caisse Régionale de Crédit Agricole Mutuel du Languedoc Société coopérative (CRLA.PA) Valuation

Valuation

Model-based estimates, not advice. The DCF is the discounted-cash-flow value per share; compare it with the price, not as a target.

DCF fair value

+4311.8%

€2,846.47

vs €64.52 price

Levered DCF

-€2,788.92

After debt service

Piotroski score

6 / 9

Average

Altman Z-score

0.07

Distress zone

Rating

Overall 3 / 5

Ratios by fiscal year

Margins and yields are shares of revenue, equity or price; multiples are ×.

Metric	FY2025	FY2024	FY2023	FY2022	FY2021	FY2020	FY2019	FY2018
P/E	8.37×	6.3×	5.54×	4.31×	5.24×	8.81×	8.75×	8.49×
P/B	0.26×	0.2×	0.19×	0.2×	0.23×	0.29×	0.4×	0.39×
P/S	1.01×	0.64×	1.7×	1×	1.81×	2.33×	2.84×	2.7×
EV / EBITDA	71.27×	83.95×	-0.38×	-1.23×	-4.49×	-1.52×	3.25×	0×
Gross margin	41.7%	33.1%	101.9%	65.7%	100.0%	100.0%	100.0%	100.0%
Operating margin	14.8%	11.8%	38.5%	28.8%	45.9%	38.2%	44.3%	104.4%
Net margin	12.1%	10.2%	30.7%	23.1%	34.5%	26.5%	32.5%	31.8%
Current ratio	0.06×	0.04×	0.06×	0.27×	0.39×	0.32×	0.33×	0.25×
Debt / equity	2.69×	3.19×	0.02×	0.02×	0.02×	0.03×	0.02×	0.02×
Interest coverage	0.29×	0×	0.24×	0.84×	1.01×	0.68×	0.78×	1.76×
Dividend yield	3.3%	2.6%	5.7%	2.4%	4.6%	1.7%	1.3%	1.3%
Payout ratio	27.7%	16.1%	31.3%	10.4%	23.9%	15.3%	11.0%	11.4%

Key metrics by fiscal year

Metric	FY2025	FY2024	FY2023	FY2022	FY2021	FY2020	FY2019	FY2018
Return on equity	3.1%	3.2%	3.5%	4.6%	4.5%	3.3%	4.6%	4.6%
Return on invested capital	0.5%	0.6%	0.8%	6.2%	4.3%	3.3%	38.9%	148.5%
Return on assets	0.5%	0.5%	0.5%	0.6%	0.6%	0.4%	0.7%	0.7%
Free cash flow yield	24.9%	-69.3%	-49.9%	-94.1%	86.5%	61.2%	26.0%	5.2%
Earnings yield	11.9%	15.9%	18.1%	23.2%	19.1%	11.4%	11.4%	11.8%
Enterprise value	€17.7B	€18.3B	-€87.6M	-€351M	-€1.3B	-€319.1M	€863.1M	€1.2B
Net debt / EBITDA	64.86×	78.93×	-4.66×	-4.52×	-8.22×	-7.19×	-2.88×	0×
Cash conversion cycle (days)	-2,957	0	277,733	-11,106	-12,879	-9,115	0	0