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Caisse Regionale de Credit Agricole Mutuel Loire Haute-Loire Cert.coop.d'invest.

Caisse Regionale de Credit Agricole Mutuel Loire Haute-Loire Cert.coop.d'invest.

96.00
EUR
-1.00
(-1.03%)
497.79MMarket Cap
Caisse Regionale de Credit Agricole Mutuel Loire Haute-Loire Cert.coop.d'invest.
LSE:0ITP
(London Stock Exchange)

Recent

price

96.00

P/E

ratio

- -

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
EUR
45.93
47.59
46.56
51.11
52.94
54.15
53.36
52.78
48.59
48.84
45.72
50.57
48.67
45.58
48.62
47.77
- -
Revenue per Share
10.97
11.24
8.38
10.88
12.67
13.18
13.73
12.83
12.28
11.34
8.6
11.81
10.5
8.35
9.6
7.83
- -
Basic EPS, GAAP
22.36
-24.09
13.53
-9.24
-7.72
13.28
54.95
0.89
4.24
29.83
23.38
79.52
-60.27
-33.07
-13.78
10.75
- -
Free Cash Flow per Basic Share
- -
- -
1.48
1.49
1.48
1.43
1.47
1.47
1.48
- -
- -
- -
- -
- -
- -
- -
- -
Dividend per Share
1,187.73
1,267.39
1,355.26
1,432.93
1,535.75
1,635.79
214.31
229.78
254.55
272.95
275.4
310.37
310.5
326.64
347.73
379.01
347.73
Book Value per Share
1,152.57
1,232.22
1,320.19
1,397.92
1,500.78
1,600.96
210.05
225.46
250.22
268.54
270.98
305.87
305.42
320.98
341.4
372.19
341.4
Tangible Book Value per Share
8
8
8
8
8
8
8
8
8
8
8
8
8
8
8
8
8
Basic Weighted Avg Shares
372
386
377
414
429
439
433
428
394
396
371
410
394
369
394
385
- -
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
6
6
7
7
8
8
11
13
9
12
12
12
13
12
14
17
- -
Depreciation Expense
89
91
68
88
103
107
111
104
100
92
70
96
85
68
78
63
- -
Net Income, GAAP
32.5
32.03
39.49
38.1
34.13
35.45
27.59
30.07
27.45
30.47
31.46
25.02
19.68
13.72
14.34
13.01
- -
Effective Tax Rate (%)
23.89
23.61
18
21.29
23.94
24.34
25.73
24.3
25.28
23.22
18.82
23.36
21.58
18.33
19.74
16.39
- -
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
45
32
32
33
33
33
23
13
34
53
71
64
76
54
61
54
61
LT Debt
1,186
1,265
1,353
1,432
1,535
1,635
1,737
1,862
2,063
2,213
2,232
2,515
2,516
2,647
2,818
3,057
2,818
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
7.5
7.2
5.06
6.19
6.78
6.61
6.49
5.72
5.01
4.21
3.05
3.92
3.29
2.56
2.79
2.11
- -
Return on Capital (%)
7.78
7.43
5.19
6.34
6.93
6.74
6.6
5.78
5.07
4.3
3.14
4.03
3.38
2.62
2.85
2.15
- -
Return on Common Equity (%)

Capital Structure

EUR

•

in mil. unless spec.
Dec'23
Jun'24
Dec'24
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
8
8
8
Market Capitalization
- -
486
498

Working Capital

EUR

•

in mil. unless spec.
Dec'23
Jun'24
Dec'24
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
119
40
48
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

EUR

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
6.53%
6.58%
8.5%
Free Cash Flow
95.67%
-43.38%
-177.68%
Net Income, GAAP
-3.67%
0.37%
-18.79%
Sales/Revenue/Turnover
-1.14%
0.99%
-2.18%
Total Cash Common Dividend
- -
- -
- -

Semi-annual Revenue

EUR

•

in mil. unless spec.

Year

H1
H2
FY
2023
- -
- -
369
2024
- -
- -
394
2025
- -
- -
385

Semi-annual Earnings Per Share

EUR

•

in mil. unless spec.

Year

H1
H2
FY
2023
- -
- -
8.35
2024
- -
- -
9.6
2025
- -
- -
7.83

Semi-annual Dividends Per Share

EUR

•

in mil. unless spec.

Year

H1
H2
FY
2023
- -
- -
- -
2024
- -
- -
- -
2025
- -
- -
- -
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Business
Caisse régionale de Crédit Agricole Mutuel Loire Haute-Loire - Société coopérative (CRLO.PA) operates as a regional cooperative bank in France, providing a comprehensive range of banking, financial, and insurance products and services to individuals, professionals, farmers, businesses, public communities, social housing organizations, and associations primarily in the Loire and Haute-Loire departments. The bank offers deposit accounts and payment cards; mobile payment solutions; term savings products; life insurance; stock market and investment services; retirement savings plans; financial and real estate investment options; and press subscription services; as well as home, health, welfare, leisure, daily, car, two-wheeler, and borrower insurance products; complemented by real estate, consumer, and vehicle loans. Headquartered at 94 Rue Bergson in Saint-Étienne, France, and founded in 1990 as part of the Crédit Agricole Group, it employs approximately 1,323 people and maintains around 90% of its regional results reinvested into local projects. Recent developments include the publication of its 2024 annual financial report and Pillar III prudential information in early 2025, alongside a share parts prospectus and liquidity contract updates, reflecting ongoing compliance and investor engagement efforts.