Caisse Regionale du Credit Agricole Mutuel du Languedoc (CRLA) Ratios
Caisse Regionale du Credit Agricole Mutuel du Languedoc Ratios
FR:CRLA's free cash flow for Q2 2026 was $311.74M. For the 2026 fiscal year, FR:CRLA's free cash flow was decreased by $-9.34M and operating cash flow was $321.08M. See a summary of the company’s cash flow.
| Ratios | Dec 25 | Dec 24 | Dec 23 | Dec 22 | Dec 21 |
|---|---|---|---|---|---|
| Liquidity Ratios | |||||
| Current Ratio | 0.06 | 0.04 | 0.06 | 0.27 | 0.39 |
| Quick Ratio | 0.06 | 0.04 | 0.09 | 0.42 | 0.52 |
| Cash Ratio | 0.04 | 0.01 | 0.07 | 0.16 | 0.28 |
| Solvency Ratio | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 |
| Operating Cash Flow Ratio | 0.09 | -0.06 | -0.03 | -0.10 | 0.11 |
| Short-Term Operating Cash Flow Coverage | 0.09 | -0.14 | -0.10 | -0.16 | 0.17 |
| Net Current Asset Value | $ -29.91B | $ -30.03B | $ -28.99B | $ -29.49B | $ -25.29B |
| Leverage Ratios | |||||
| Debt-to-Assets Ratio | 0.45 | 0.48 | 0.00 | 0.00 | 0.00 |
| Debt-to-Equity Ratio | 2.69 | 3.19 | 0.02 | 0.02 | 0.02 |
| Debt-to-Capital Ratio | 0.73 | 0.76 | 0.02 | 0.02 | 0.02 |
| Long-Term Debt-to-Capital Ratio | 0.65 | 0.69 | 0.00 | 0.02 | 0.02 |
| Financial Leverage Ratio | 6.01 | 6.63 | 6.91 | 7.73 | 7.11 |
| Debt Service Coverage Ratio | 0.03 | 0.04 | 0.04 | 0.04 | 0.04 |
| Interest Coverage Ratio | 0.29 | 0.00 | 0.24 | 0.84 | 1.01 |
| Debt to Market Cap | 10.24 | 15.90 | 4.75 | 5.82 | 5.30 |
| Interest Debt Per Share | 866.15 | 880.05 | 51.90 | 22.23 | 19.05 |
| Net Debt to EBITDA | 64.86 | 78.93 | -4.65 | -4.52 | -8.25 |
| Profitability Margins | |||||
| Gross Profit Margin | 41.74% | 33.15% | 101.87% | 65.67% | 100.00% |
| EBIT Margin | 14.83% | 11.81% | 36.64% | 28.75% | 45.86% |
| EBITDA Margin | 15.75% | 12.81% | 39.80% | 30.31% | 48.30% |
| Operating Profit Margin | 14.83% | 11.81% | 38.48% | 28.75% | 45.92% |
| Pretax Profit Margin | 14.83% | 11.74% | 36.64% | 28.75% | 46.16% |
| Net Profit Margin | 12.05% | 10.19% | 30.70% | 23.14% | 34.48% |
| Continuous Operations Profit Margin | 12.04% | 10.23% | 30.92% | 23.21% | 34.72% |
| Net Income Per EBT | 81.24% | 86.85% | 83.78% | 80.48% | 74.71% |
| EBT Per EBIT | 100.00% | 99.37% | 95.23% | 100.00% | 100.50% |
| Return on Assets (ROA) | 0.52% | 0.48% | 0.50% | 0.59% | 0.63% |
| Return on Equity (ROE) | 3.14% | 3.19% | 3.47% | 4.60% | 4.47% |
| Return on Capital Employed (ROCE) | 0.75% | 0.89% | 1.19% | 0.97% | 1.15% |
| Return on Invested Capital (ROIC) | 0.52% | 0.62% | 0.81% | 6.23% | 4.26% |
| Return on Tangible Assets | 0.52% | 0.48% | 0.50% | 0.59% | 0.63% |
| Earnings Yield | 11.95% | 15.87% | 18.45% | 23.23% | 19.09% |
| Efficiency Ratios | |||||
| Receivables Turnover | 173.82 | 0.00 | 1.66 | 0.95 | 0.58 |
| Payables Turnover | 0.12 | 0.00 | -0.00 | 0.04 | 0.03 |
| Inventory Turnover | 0.00 | 0.00 | 0.02 | -0.25 | -0.24 |
| Fixed Asset Turnover | 69.66 | 66.75 | 5.15 | 10.71 | 7.72 |
| Asset Turnover | 0.04 | 0.05 | 0.02 | 0.03 | 0.02 |
| Working Capital Turnover Ratio | -0.18 | -0.12 | -0.05 | -0.16 | -0.10 |
| Cash Conversion Cycle | -2956.90 | 0.00 | 277732.99 | -11105.53 | -12878.93 |
| Days of Sales Outstanding | 2.10 | 0.00 | 220.11 | 384.16 | 634.52 |
| Days of Inventory Outstanding | 0.00 | 0.00 | 20776.80 | -1457.27 | -1537.50 |
| Days of Payables Outstanding | 2959.00 | 0.00 | -256736.08 | 10032.43 | 11975.94 |
| Operating Cycle | 2.10 | 0.00 | 20996.91 | -1073.10 | -902.98 |
| Cash Flow Ratios | |||||
| Operating Cash Flow Per Share | 22.43 | -38.09 | -23.52 | -43.58 | 49.34 |
| Free Cash Flow Per Share | 20.01 | -38.31 | -24.54 | -44.72 | 48.43 |
| Dividend Paid and CapEx Coverage Ratio | 4.41 | -23.31 | -6.20 | -19.10 | 14.26 |
| Capital Expenditure Coverage Ratio | 9.26 | -172.38 | -23.16 | -38.32 | 54.28 |
| Operating Cash Flow Coverage Ratio | 0.03 | -0.04 | -4.79 | -7.44 | 10.06 |
| Operating Cash Flow to Sales Ratio | 0.28 | -0.44 | -0.81 | -0.91 | 1.59 |
| Free Cash Flow Yield | 24.86% | -69.28% | -50.91% | -94.12% | 86.53% |
| Valuation Ratios | |||||
| Price-to-Earnings (P/E) Ratio | 8.37 | 6.30 | 5.42 | 4.31 | 5.24 |
| Price-to-Sales (P/S) Ratio | 1.01 | 0.64 | 1.66 | 1.00 | 1.81 |
| Price-to-Book (P/B) Ratio | 0.26 | 0.20 | 0.19 | 0.20 | 0.23 |
| Price-to-Free Cash Flow (P/FCF) Ratio | 4.02 | -1.44 | -1.96 | -1.06 | 1.16 |
| Price-to-Operating Cash Flow Ratio | 3.59 | -1.45 | -2.05 | -1.09 | 1.13 |
| Price-to-Earnings Growth (PEG) Ratio | 0.87 | -5.59 | -0.28 | 1.35 | 0.09 |
| Enterprise Value Multiple | 71.27 | 83.95 | -0.47 | -1.23 | -4.51 |
| Enterprise Value | 17.66B | 18.28B | -107.31M | -350.98M | -1.33B |
| EV to EBITDA | 71.27 | 83.95 | -0.47 | -1.23 | -4.51 |
| EV to Sales | 11.22 | 10.75 | -0.19 | -0.37 | -2.18 |
| EV to Free Cash Flow | 44.76 | -24.17 | 0.22 | 0.40 | -1.39 |
| EV to Operating Cash Flow | 39.92 | -24.31 | 0.23 | 0.41 | -1.37 |
| Tangible Book Value Per Share | 307.17 | 276.09 | 257.15 | 240.66 | 239.57 |
| Shareholders’ Equity Per Share | 306.43 | 275.46 | 256.56 | 240.11 | 239.21 |
| Tax and Other Ratios | |||||
| Effective Tax Rate | 0.19 | 0.13 | 0.16 | 0.19 | 0.25 |
| Revenue Per Share | 79.80 | 86.11 | 28.97 | 47.69 | 30.99 |
| Net Income Per Share | 9.62 | 8.78 | 8.89 | 11.03 | 10.69 |
| Tax Burden | 0.81 | 0.87 | 0.84 | 0.80 | 0.75 |
| Interest Burden | 1.00 | 0.99 | 1.00 | 1.00 | 1.01 |
| Research & Development to Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| SG&A to Revenue | 0.15 | 0.13 | 0.19 | 0.12 | 0.16 |
| Stock-Based Compensation to Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Income Quality | 1.90 | -4.34 | -2.22 | -3.18 | 3.45 |
Currency in EUR
