Caisse Regionale de Credit Agricole Mutuel du Languedoc (CRLA) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of Caisse Regionale de Credit Agricole Mutuel du Languedoc stock €105, price €63.41, upside +65.4%, quality 59 out of 100. Rating: strongly undervalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 7, 2026.
How to read this chart
60‑month range €34.85 – €98.60 · fair‑value band €78.67 – €131.11 · the €63.41 price screens below the €104.89 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 7, 2026.
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Caisse Régionale de Crédit Agricole Mutuel du Languedoc Société coopérative provides banking products and services in France.
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It offers bank accounts and cards; mobile payment; savings accounts, savings plans, and fixed-term accounts; stock market and financial investments; retirement savings; and real estate investment.
The company also provides home, car and motorcycle, health and life, leisure, and borrower's insurance products; and online banking services. In addition, it engages in fundraising, consulting, leasing, and factoring activities.
It serves individuals, professionals and associations, farmers, private banking, companies, cooperatives, real estate development, local authorities, and renewable energies clients. The company was incorporated in 2006 and is headquartered in Lattes, France.
Caisse Régionale de Crédit Agricole Mutuel du Languedoc Société coopérative is a subsidiary of Crédit Agricole S.A.
Stock analysis
Caisse Regionale de Credit Agricole Mutuel du Languedoc (CRLA) currently trades at €63.41, while our model-based Fair Value estimate is €104.89, implying the stock looks roughly 40% undervalued today.
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Valuation
Bull case: the Asset-Based group reads highest at a median of €205.48 per share, and 4 of the 6 models we run sit above the €63.41 price.
Bear case: the Dividend Discount group reads lowest at €18.89, and 2 of the 6 models stay below the price. Data coverage for this calculation is high.
Scenario range: €78.67 (bear) to €131.11 (bull), the price of €63.41 sits below it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 59/100 (solid quality), in the Financial Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
Caisse Regionale de Credit Agricole Mutuel du Languedoc reported revenue of €1.6B in FY2025 versus €612M in FY2021, a compound +26.6%/yr. Reported net income was €190M in FY2025, compounding −2.7%/yr from FY2021.
Key figures
Market cap €1.2B Small · P/E ratio 5.9 · P/S ratio 1.97 · EPS (TTM) €10.65 · Dividend yield 4.2% · Net margin 33.5% · Return on equity 3.5% · Return on assets (EBIT) 0.7% (5-year average).
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 62 out of 100 (low confidence).
What moves the price
The share trades about 36% below its 52-week high and 4% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at 65%, CRLA screens cheaper than that median.
Fair Value models
Bear€78.67Fair Value €104.89Bull€131.11
Price €63.41 · Upside +65.4%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then (€6.80 per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.81/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
−7.5%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+18.7%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+25.1%
Start year 2020 (pandemic). Over 10 years: +10.3% a year
Revenue growth 25 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
−2.6%
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What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
+4.7%
Earnings growth per share plus dividend.
Earnings per share, growth per year+0.5%
Dividend (yield on the price)4.2%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.0.5% vs 1.4%, steady
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.38% → 15%
Compare Caisse Regionale de Credit Agricole Mutuel du Languedoc with another stock
Price, fair value, quality and upside side by side.
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 998 stocks
Beats the industry median on 11/14 measures
Overall it ranks above its industry peers.
Valuation
Quality Score59 · Above median
Fair Value upside+65.4% · Top 25%
Profitability
Return on equity (12 months)3.5% · Bottom 25%
Return on assets0.5% · Bottom 25%
Net margin (12 months)33.5% · Above median
Operating margin (12 months)45.1% · Above median
Growth and dividend
Revenue growth (quarter YoY)7.2% · Below median
Dividend yield (12 months)4.2% · Top 25%
Balance sheet
Debt / equity0.02× · Lowest 25%
Valuation Multiplesvs Banks - Regional median · lower = cheaper
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "Caisse Regionale de Credit Agricole Mutuel du Languedoc Fair Value". https://www.fairvalue-calculator.com/stock/CRLA
Frequently asked questions
Is Caisse Regionale de Credit Agricole Mutuel du Languedoc (CRLA) overvalued or undervalued?
As of Nov 7, 2026, our model estimates a fair value of €104.89 versus a price of €63.41, about +65% upside (undervalued).
What is the fair value of CRLA?
Our model-based fair value for Caisse Regionale de Credit Agricole Mutuel du Languedoc is €104.89 (as of Nov 7, 2026), built from audited fundamentals. The current price: €63.41.
What is the quality score of CRLA?
Caisse Regionale de Credit Agricole Mutuel du Languedoc has a Quality Score of 59/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Caisse Regionale de Credit Agricole Mutuel du Languedoc (CRLA)?
Our model-based price target is the fair value of €104.89 (as of Nov 7, 2026) from 6 valuation models. Cautious scenario €78.67, optimistic scenario €131.11. It is a calculation from audited fundamentals, not an analyst target.
What is the Caisse Regionale de Credit Agricole Mutuel du Languedoc stock forecast for 2026?
Our models put fair value at €104.89, about +65% upside versus a price of €63.41 (undervalued). Cautious scenario €78.67, optimistic scenario €131.11. The calculation is refreshed regularly with new filings.
What is the revenue of Caisse Regionale de Credit Agricole Mutuel du Languedoc (CRLA)?
Caisse Regionale de Credit Agricole Mutuel du Languedoc reported trailing-twelve-month revenue of about €633M (latest available figure, as of Nov 7, 2026).
Does Caisse Regionale de Credit Agricole Mutuel du Languedoc pay a dividend?
Caisse Regionale de Credit Agricole Mutuel du Languedoc currently shows a dividend yield of 4.24% relative to its recent price (as of Nov 7, 2026).
How much is the dividend of Caisse Regionale de Credit Agricole Mutuel du Languedoc (CRLA) and when is the ex-dividend date?
Caisse Regionale de Credit Agricole Mutuel du Languedoc pays a dividend of €2.69 per share a year, a dividend yield of 4.2%. The last ex-dividend date was Apr 14, 2026. A dividend has been paid every year since 2021. The payout ratio is 25.3% of earnings. Our assessment: Low payout. A low payout ratio: the dividend takes at most 60 % of earnings. Whether free cash flow covers it as well, we cannot see for this company.
What is the intrinsic value of Caisse Regionale de Credit Agricole Mutuel du Languedoc (CRLA)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Caisse Regionale de Credit Agricole Mutuel du Languedoc it is €104.89 per share (as of Nov 7, 2026), against a price of €63.41. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is Caisse Regionale de Credit Agricole Mutuel du Languedoc stock overvalued or undervalued in 2026?
As of Nov 7, 2026, CRLA trades below its calculated fair value: price €63.41, fair value €104.89, a gap of about +65% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of CRLA?
No. The price is what the market pays today (€63.41); the fair value is what the company's own numbers justify (€104.89). For Caisse Regionale de Credit Agricole Mutuel du Languedoc the two are €41.48 per share apart. That gap is exactly why we show both numbers side by side.
How much is Caisse Regionale de Credit Agricole Mutuel du Languedoc worth?
The market values Caisse Regionale de Credit Agricole Mutuel du Languedoc at about €1.2B (market capitalisation, as of Nov 7, 2026). Per share that is €63.41; our models calculate a fair value of €104.89 per share.
What do the bullish and bearish scenarios say about CRLA?
Our models span a range for Caisse Regionale de Credit Agricole Mutuel du Languedoc: cautious scenario €78.67, base €104.89, optimistic €131.11 per share (as of Nov 7, 2026, price €63.41). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of CRLA?
Caisse Regionale de Credit Agricole Mutuel du Languedoc trades at a price-to-earnings ratio of 5.9 (as of Nov 7, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of €104.89 is built from several models across several years. Median P/E at fiscal year-end, 10 fiscal years (2016 to 2025), reported earnings: 6.6. Other multiples: P/B 0.2, P/S 2.0, EV/EBITDA 4.6.
How solid is the balance sheet of Caisse Regionale de Credit Agricole Mutuel du Languedoc (CRLA)?
Balance-sheet figures for Caisse Regionale de Credit Agricole Mutuel du Languedoc (as of Nov 7, 2026): return on equity 3.5%, debt of 0.02 per unit of equity. They feed the Quality Score of 59/100, which measures business quality independently of the share price.
How far is CRLA from its 52-week high?
Caisse Regionale de Credit Agricole Mutuel du Languedoc trades at €63.41, about 36% below its 52-week high of €98.60 and 4% above the low of €61.01 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of €104.89 is for.
Which stocks are comparable to Caisse Regionale de Credit Agricole Mutuel du Languedoc?
From the same area (Financial Services) we also value China Merchants Bank Co, DBS Group, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Caisse Regionale de Credit Agricole Mutuel du Languedoc stock attractive at the current price?
The data as of Nov 7, 2026: price €63.41, calculated fair value €104.89 (+65%), Quality Score 59/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of CRLA calculated?
We run Caisse Regionale de Credit Agricole Mutuel du Languedoc through 6 models from 4 families: Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of €104.89 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.0% above its aggregate fair value. Caisse Regionale de Credit Agricole Mutuel du Languedoc currently trades 40% below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Caisse Regionale de Credit Agricole Mutuel du Languedoc (CRLA)?
The closing price on Nov 6, 2026 was €63.41. Our model-based fair value is €104.89, about +65% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Caisse Regionale de Credit Agricole Mutuel du Languedoc right now?
The price is below even our cautious bear case (€78.67). The market is more pessimistic than our downside scenario. Solid quality (59/100) at a price below fair value, the discount is the argument here, not the business quality. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Where does the earnings growth of Caisse Regionale de Credit Agricole Mutuel du Languedoc (CRLA) come from?
Earnings per share at Caisse Regionale de Credit Agricole Mutuel du Languedoc grew +1.0 % a year from 2014 to 2025. Broken into its drivers: revenue per share +9.2 %, EBIT margin −19.6 %, tax rate +2.9 %, residual (interest, one-offs) +11.8 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.
Key figures of Caisse Regionale de Credit Agricole Mutuel du Languedoc
How large is the market capitalisation of Caisse Regionale de Credit Agricole Mutuel du Languedoc (CRLA)?
The market capitalisation of Caisse Regionale de Credit Agricole Mutuel du Languedoc is €1.2B. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Caisse Regionale de Credit Agricole Mutuel du Languedoc (CRLA)?
The price-to-sales ratio of Caisse Regionale de Credit Agricole Mutuel du Languedoc is 1.97 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Caisse Regionale de Credit Agricole Mutuel du Languedoc (CRLA)?
Earnings per share at Caisse Regionale de Credit Agricole Mutuel du Languedoc are €10.65 (price ÷ EPS = P/E 5.9). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Caisse Regionale de Credit Agricole Mutuel du Languedoc (CRLA)?
The dividend yield of Caisse Regionale de Credit Agricole Mutuel du Languedoc is 4.2% (payout 25.3%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Caisse Regionale de Credit Agricole Mutuel du Languedoc (CRLA)?
The net margin of Caisse Regionale de Credit Agricole Mutuel du Languedoc is 33.5% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Caisse Regionale de Credit Agricole Mutuel du Languedoc (CRLA)?
The return on equity (ROE) of Caisse Regionale de Credit Agricole Mutuel du Languedoc is 3.5% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Caisse Regionale de Credit Agricole Mutuel du Languedoc (CRLA)?
On an EBIT basis the return on assets of Caisse Regionale de Credit Agricole Mutuel du Languedoc is 0.7% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Caisse Regionale de Credit Agricole Mutuel du Languedoc (CRLA)?
The operating margin of Caisse Regionale de Credit Agricole Mutuel du Languedoc is 45.1% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Caisse Regionale de Credit Agricole Mutuel du Languedoc (CRLA)?
Revenue at Caisse Regionale de Credit Agricole Mutuel du Languedoc is growing +7.2% versus a year earlier (3y avg +18.7%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Caisse Regionale de Credit Agricole Mutuel du Languedoc (CRLA)?
Earnings per share at Caisse Regionale de Credit Agricole Mutuel du Languedoc are growing +18.1% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Caisse Regionale de Credit Agricole Mutuel du Languedoc (CRLA) generate?
The free cash flow of Caisse Regionale de Credit Agricole Mutuel du Languedoc is €395M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Caisse Regionale de Credit Agricole Mutuel du Languedoc (CRLA) carry?
The net debt of Caisse Regionale de Credit Agricole Mutuel du Languedoc is €16.1B (fiscal year 2025, ≈ 40.7 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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Broad data
Nov 7, 2026