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STOCKS

Caisse Regionale du Credit Agricole Mutuel du Languedoc (FR:CRLA)

:CRLA

CRLA

Caisse Regionale du Credit Agricole Mutuel du Languedoc

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Caisse Regionale du Credit Agricole Mutuel du Languedoc (CRLA) Ratios

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Caisse Regionale du Credit Agricole Mutuel du Languedoc Ratios

FR:CRLA's free cash flow for Q4 2025 was €0.40. For the 2025 fiscal year, FR:CRLA's free cash flow was decreased by € and operating cash flow was €0.12. See a summary of the company’s cash flow.

Ratios	TTM	Dec 25	Dec 24	Dec 23	Dec 22
Liquidity Ratios
Current Ratio	0.04	0.06	0.04	0.06	0.27
Quick Ratio	0.04	0.06	0.04	0.09	0.42
Cash Ratio	0.04	0.04	0.01	0.07	0.16
Solvency Ratio	<0.01	<0.01	<0.01	<0.01	<0.01
Operating Cash Flow Ratio	0.03	0.09	-0.06	-0.03	-0.10
Short-Term Operating Cash Flow Coverage	0.03	0.09	-0.14	-0.10	-0.16
Net Current Asset Value	€ -30.04B	€ -29.91B	€ -30.03B	€ -28.99B	€ -29.49B
Leverage Ratios
Debt-to-Assets Ratio	0.45	0.45	0.48	<0.01	<0.01
Debt-to-Equity Ratio	2.69	2.69	3.19	0.02	0.02
Debt-to-Capital Ratio	0.73	0.73	0.76	0.02	0.02
Long-Term Debt-to-Capital Ratio	0.65	0.65	0.69	0.00	0.02
Financial Leverage Ratio	6.01	6.01	6.63	6.91	7.73
Debt Service Coverage Ratio	0.04	0.03	0.03	0.04	0.04
Interest Coverage Ratio	1.10	0.29	0.00	0.24	0.84
Debt to Market Cap	116.01	10.24	15.90	4.75	5.82
Interest Debt Per Share	844.17	866.15	880.05	51.90	22.23
Net Debt to EBITDA	64.86	64.85	85.59	-4.65	-4.52
Profitability Margins
Gross Profit Margin	59.06%	41.74%	33.15%	101.87%	65.67%
EBIT Margin	21.74%	14.83%	11.81%	36.64%	28.75%
EBITDA Margin	23.09%	15.75%	11.81%	39.80%	30.31%
Operating Profit Margin	39.30%	14.83%	11.81%	38.48%	28.75%
Pretax Profit Margin	21.75%	14.83%	11.74%	36.64%	28.75%
Net Profit Margin	17.67%	12.05%	10.19%	30.70%	23.14%
Continuous Operations Profit Margin	17.66%	12.04%	10.23%	30.92%	23.21%
Net Income Per EBT	81.24%	81.24%	86.85%	83.78%	80.48%
EBT Per EBIT	55.34%	100.00%	99.37%	95.23%	100.00%
Return on Assets (ROA)	0.52%	0.52%	0.48%	0.50%	0.59%
Return on Equity (ROE)	3.23%	3.14%	3.19%	3.47%	4.60%
Return on Capital Employed (ROCE)	1.35%	0.75%	0.89%	1.19%	0.97%
Return on Invested Capital (ROIC)	0.94%	0.52%	0.62%	0.81%	6.23%
Return on Tangible Assets	0.52%	0.52%	0.48%	0.50%	0.59%
Earnings Yield	12.02%	11.95%	15.87%	18.45%	23.23%
Efficiency Ratios
Receivables Turnover	0.00	0.00	0.00	1.66	0.95
Payables Turnover	0.00	0.00	0.00	>-0.01	0.04
Inventory Turnover	0.00	0.00	0.00	0.02	-0.25
Fixed Asset Turnover	47.52	69.66	66.75	5.15	10.71
Asset Turnover	0.03	0.04	0.05	0.02	0.03
Working Capital Turnover Ratio	-0.44	-0.18	-0.12	-0.05	-0.16
Cash Conversion Cycle	0.00	0.00	0.00	277.73K	-11.11K
Days of Sales Outstanding	0.00	0.00	0.00	220.11	384.16
Days of Inventory Outstanding	0.00	0.00	0.00	20.78K	-1.46K
Days of Payables Outstanding	0.00	0.00	0.00	-256.74K	10.03K
Operating Cycle	0.00	0.00	0.00	21.00K	-1.07K
Cash Flow Ratios
Operating Cash Flow Per Share	8.00	22.43	-38.09	-23.52	-43.58
Free Cash Flow Per Share	5.57	20.01	-38.31	-24.54	-44.72
CapEx Per Share	2.42	2.42	0.22	1.02	1.14
Free Cash Flow to Operating Cash Flow	0.70	0.89	1.01	1.04	1.03
Dividend Paid and CapEx Coverage Ratio	3.30	4.41	-23.31	-6.20	-19.10
Capital Expenditure Coverage Ratio	3.30	9.26	-172.38	-23.16	-38.32
Operating Cash Flow Coverage Ratio	<0.01	0.03	-0.04	-4.79	-7.44
Operating Cash Flow to Sales Ratio	0.15	0.28	-0.44	-0.81	-0.91
Free Cash Flow Yield	78.46%	24.86%	-69.28%	-50.91%	-94.12%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	8.32	8.37	6.30	5.42	4.31
Price-to-Sales (P/S) Ratio	0.13	1.01	0.64	1.66	1.00
Price-to-Book (P/B) Ratio	0.26	0.26	0.20	0.19	0.20
Price-to-Free Cash Flow (P/FCF) Ratio	1.27	4.02	-1.44	-1.96	-1.06
Price-to-Operating Cash Flow Ratio	10.01	3.59	-1.45	-2.05	-1.09
Price-to-Earnings Growth (PEG) Ratio	2.77	0.87	-5.59	-0.28	1.35
Price-to-Fair Value	0.26	0.26	0.20	0.19	0.20
Enterprise Value Multiple	65.42	71.25	91.02	-0.47	-1.23
Enterprise Value	16.21B	17.66B	18.28B	-107.31M	-350.98M
EV to EBITDA	65.42	71.25	91.02	-0.47	-1.23
EV to Sales	15.10	11.22	10.75	-0.19	-0.37
EV to Free Cash Flow	147.53	44.76	-24.17	0.22	0.40
EV to Operating Cash Flow	102.83	39.92	-24.31	0.23	0.41
Tangible Book Value Per Share	307.17	307.17	276.09	257.15	240.66
Shareholders’ Equity Per Share	306.43	306.43	275.46	256.56	240.11
Tax and Other Ratios
Effective Tax Rate	0.19	0.19	0.13	0.16	0.19
Revenue Per Share	54.44	79.80	86.11	28.97	47.69
Net Income Per Share	9.62	9.62	8.78	8.89	11.03
Tax Burden	0.81	0.81	0.87	0.84	0.80
Interest Burden	1.00	1.00	0.99	1.00	1.00
Research & Development to Revenue	0.00	0.00	0.00	0.00	0.00
SG&A to Revenue	0.11	0.15	0.00	0.19	0.12
Stock-Based Compensation to Revenue	0.00	0.00	0.00	0.00	0.00
Income Quality	0.83	2.33	-4.34	-2.22	-3.18

Currency in EUR