Caisse Régionale de Crédit Agricole Mutuel du Languedoc Société coopérative

CRLA.PA

Banks - Regional · Financial Services

Exchange

Euronext Paris

Winston Score

Winston is serious

Mixed quality — meaningful strengths and weaknesses.

Data as of Aug 23, 2026 · filings through Jun 30, 2026

How the score breaks down

Growth

Good

Valuation

Good

Dividends

Good

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Winston Score History

The full picture

Caisse Régionale de Crédit Agricole Mutuel du Languedoc is a regional cooperative bank based in southern France, serving the Languedoc area. It offers everyday banking services like savings accounts, loans, mortgages, and insurance to individuals, farmers, and small businesses. It is part of the larger Crédit Agricole group, one of the biggest banking networks in France.

The bank earns money mainly through interest on loans and fees for financial services, with some income from insurance products. As a cooperative, it is partly owned by its own customers, which gives it a stable local base and strong community ties. However, its low return on invested capital suggests thin profitability, and the main risk it faces is rising interest rate pressure or a slowdown in the regional economy squeezing loan demand and credit quality in the Languedoc region.

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+130.6% YoY

YoY Growth Rate

Revenue accelerating

EPS Growth

+18.4% YoY

YoY Growth Rate

Steady EPS growth

Insider Activity

0.0%ownership

↓ Declining

Insider ownership declining — could be dilution or selling

Cash Position

Cash flow positive

€35.4B cash & investments

Quarterly Free Cash Flow

↓ Burn rate worsening

Company generates more cash than it spends — no dilution risk from fundraising

Revenue accelerating

Caisse Régionale de Crédit Agricole Mutuel du Languedoc Société coopérative grew revenue 131% year-over-year and the growth rate is speeding up. That's the kind of momentum growth investors look for — the question is whether margins can follow.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

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Bank Quality

Not applicable for this business.

Growth

Sales growth

Sales YoY

+32.7%

Fast-growing sales (+32.7% YoY)

Profit growth

EPS YoY

+15.6%

Earnings growing fast (+15.6% YoY)

Healthy double-digit earnings growth — what compounders look like.

How steady the profit is

EPS Consistency

4/8 quarters

Earnings inconsistent quarter-to-quarter

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Capital Strength

Not applicable for this business.

Asset Quality

Not applicable for this business.

Valuation

Price vs profit

P/E Ratio (TTM)

8.5x

no trend

Attractive valuation — P/E 8.5

P/E under 10. The price tag is small relative to last year's profit.

Cheaper or dearer next year

P/E vs Forward

N/A

not available

Data not available

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Dividends

Dividend

Dividend Yield

2.91%

no trend

Moderate income — 2.91% yield

Standard yield zone for stable dividend payers. A meaningful piece of total return.

Dividend record

Dividend Growth

+5.3%

no trend

Dividend growing modestly (5.3% YoY)

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