Stock CRLO CAISSE RÉGIONALE DE CRÉDIT AGRICOLE MUTUEL LOIRE HAUTE-LOIRE
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Financials Caisse Régionale de Crédit Agricole Mutuel Loire Haute-Loire

Equities

CRLO

FR0000045239

Banks

Market Closed - Euronext Paris
Other stock markets
 11:35:16 2024-04-26 am EDT 		5-day change 1st Jan Change
59 EUR +0.02% Intraday chart for Caisse Régionale de Crédit Agricole Mutuel Loire Haute-Loire +2.61% +2.25%
Feb. 29 Caisse Régionale de Crédit Agricole Mutuel Loire Haute-Loire Société coopérative Reports Earnings Results for the Full Year Ended December 31, 2023 CI
2022 Caisse régionale de Crédit Agricole Mutuel Loire Haute-Loire - Société coopérative Reports Earnings Results for the Half Year Ended June 30, 2022 CI

Valuation

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Capitalization 1 763.4 834.8 648.3 538.9 431.1 467.5
Enterprise Value (EV) 1 949.3 601.1 725.5 682 601.3 480.7
P/E ratio 7.67 x 9.08 x 9.3 x 5.63 x - 6.91 x
Yield 3.11% 2.84% 3.38% 4.51% 5.64% 4.78%
Capitalization / Revenue 1.93 x 2.11 x 1.77 x 1.33 x 1.09 x 1.28 x
EV / Revenue 2.4 x 1.52 x 1.98 x 1.69 x 1.53 x 1.32 x
EV / EBITDA - - - - - -
EV / FCF - - - - - -
FCF Yield - - - - - -
Price to Book 0.37 x 0.38 x 0.29 x 0.21 x - 0.18 x
Nbr of stocks (in thousands) 8,105 8,105 8,105 8,104 8,103 8,103
Reference price 2 94.19 103.0 79.99 66.50 53.20 57.70
Announcement Date 3/20/19 3/31/20 3/12/21 3/9/22 2/29/24 2/29/24
1EUR in Million2EUR
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Net sales 1 396.2 395.3 367.2 404.3 394.1 365.5
EBITDA - - - - - -
EBIT - - - - - -
Operating Margin - - - - - -
Earnings before Tax (EBT) 1 137.2 132.2 101.7 127.7 106 78.46
Net income 1 99.56 91.93 69.73 95.73 85.11 67.7
Net margin 25.13% 23.25% 18.99% 23.68% 21.6% 18.52%
EPS 2 12.28 11.34 8.603 11.81 - 8.355
Free Cash Flow - - - - - -
FCF margin - - - - - -
FCF Conversion (EBITDA) - - - - - -
FCF Conversion (Net income) - - - - - -
Dividend per Share 2 2.930 2.930 2.700 3.000 3.000 2.760
Announcement Date 3/20/19 3/31/20 3/12/21 3/9/22 2/29/24 2/29/24
1EUR in Million2EUR
Estimates

Balance Sheet Analysis

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Net Debt 1 186 - 77.2 143 170 13.1
Net Cash position 1 - 234 - - - -
Leverage (Debt/EBITDA) - - - - - -
Free Cash Flow - - - - - -
ROE (net income / shareholders' equity) 5.07% 4.3% 3.14% 4.03% 3.38% 2.62%
ROA (Net income/ Total Assets) 0.86% 0.76% 0.54% 0.69% 0.57% 0.45%
Assets 1 11,551 12,035 12,834 13,919 14,864 15,165
Book Value Per Share 2 255.0 273.0 275.0 310.0 - 327.0
Cash Flow per Share 2 13.60 40.50 4.180 4.170 - 4.510
Capex 1 16 14.6 22.5 28 13 11.7
Capex / Sales 4.04% 3.69% 6.13% 6.92% 3.29% 3.19%
Announcement Date 3/20/19 3/31/20 3/12/21 3/9/22 2/29/24 2/29/24
1EUR in Million2EUR
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Change in Enterprise Value/EBITDA

Sector Commercial Banks

1st Jan change Capi.
CAISSE RÉGIONALE DE CRÉDIT AGRICOLE MUTUEL LOIRE HAUTE-LOIRE Stock Caisse Régionale de Crédit Agricole Mutuel Loire Haute-Loire
+2.25% 510M
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ANZ GROUP HOLDINGS LIMITED Stock ANZ Group Holdings Limited
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INDUSTRIAL BANK CO., LTD. Stock Industrial Bank Co., Ltd.
+1.36% 47.1B
CRÉDIT AGRICOLE S.A. Stock Crédit Agricole S.A.
+13.25% 47B
CHINA CITIC BANK CO., LTD. Stock China CITIC Bank Co., Ltd.
+19.29% 44.81B
JAPAN POST BANK CO., LTD. Stock JAPAN POST BANK Co., Ltd.
+10.93% 36.6B
QATAR NATIONAL BANK (Q.P.S.C.) Stock Qatar National Bank (Q.P.S.C.)
-16.21% 35.14B
INVEST BANK Stock Invest bank
-96.60% 32.24B
Commercial Banks
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