Caisse Regionale de Credit Agricole Mutuel de la Loire-Haute-Loire CRCAM CRCAM de la Loire-Haute-Loi (CRLO) Ratios
Caisse Regionale de Credit Agricole Mutuel de la Loire-Haute-Loire CRCAM CRCAM de la Loire-Haute-Loi Ratios
FR:CRLO's free cash flow for Q2 2026 was $77.02M. For the 2026 fiscal year, FR:CRLO's free cash flow was decreased by $-19.69M and operating cash flow was $96.71M. See a summary of the company’s cash flow.
| Ratios | Dec 25 | Dec 24 | Dec 23 | Dec 22 | Dec 21 |
|---|---|---|---|---|---|
| Liquidity Ratios | |||||
| Current Ratio | 0.03 | 0.02 | 0.01 | 0.03 | 0.03 |
| Quick Ratio | 0.03 | 0.02 | 0.01 | 0.06 | 0.05 |
| Cash Ratio | 0.02 | 0.00 | 0.03 | 0.01 | 0.01 |
| Solvency Ratio | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 |
| Operating Cash Flow Ratio | 0.12 | -0.01 | -0.06 | 0.05 | 0.02 |
| Short-Term Operating Cash Flow Coverage | 0.12 | -0.06 | -0.15 | 0.13 | 0.05 |
| Net Current Asset Value | $ -12.46B | $ -12.19B | $ -12.32B | $ -12.61B | $ -11.68B |
| Leverage Ratios | |||||
| Debt-to-Assets Ratio | 0.48 | 0.48 | 0.00 | 0.50 | 0.48 |
| Debt-to-Equity Ratio | 2.44 | 2.59 | 0.02 | 3.05 | 2.75 |
| Debt-to-Capital Ratio | 0.71 | 0.72 | 0.02 | 0.75 | 0.73 |
| Long-Term Debt-to-Capital Ratio | 0.65 | 0.66 | 0.02 | 0.67 | 0.60 |
| Financial Leverage Ratio | 5.09 | 5.41 | 5.67 | 6.09 | 5.73 |
| Debt Service Coverage Ratio | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 |
| Interest Coverage Ratio | 0.18 | 0.23 | 0.24 | 0.84 | 0.95 |
| Debt to Market Cap | 9.62 | 14.52 | 3.88 | 17.76 | 12.82 |
| Interest Debt Per Share | 968.02 | 950.55 | 48.76 | 967.10 | 872.44 |
| Net Debt to EBITDA | 83.24 | 69.37 | -0.71 | 63.95 | 45.24 |
| Profitability Margins | |||||
| Gross Profit Margin | 46.55% | 101.78% | 100.00% | 61.82% | 67.00% |
| EBIT Margin | 9.48% | -3.51% | 21.25% | 16.61% | 23.02% |
| EBITDA Margin | 11.71% | 26.97% | 24.72% | 18.62% | 25.00% |
| Operating Profit Margin | 9.55% | 24.88% | 22.00% | 21.85% | 23.02% |
| Pretax Profit Margin | 9.48% | 23.46% | 21.25% | 16.61% | 21.16% |
| Net Profit Margin | 8.31% | 20.09% | 18.33% | 13.34% | 15.86% |
| Continuous Operations Profit Margin | 8.24% | 20.09% | 18.33% | 13.34% | 15.86% |
| Net Income Per EBT | 87.66% | 85.66% | 86.28% | 80.32% | 74.98% |
| EBT Per EBIT | 99.30% | 94.28% | 96.58% | 76.01% | 91.90% |
| Return on Assets (ROA) | 0.41% | 0.51% | 0.45% | 0.56% | 0.66% |
| Return on Equity (ROE) | 2.07% | 2.76% | 2.56% | 3.38% | 3.81% |
| Return on Capital Employed (ROCE) | 0.52% | 3.00% | 0.76% | 1.71% | 2.05% |
| Return on Invested Capital (ROIC) | 0.41% | 1.61% | 0.57% | 1.04% | 1.05% |
| Return on Tangible Assets | 0.41% | 0.51% | 0.45% | 0.56% | 0.67% |
| Earnings Yield | 8.17% | 15.49% | 14.48% | 19.74% | 17.76% |
| Efficiency Ratios | |||||
| Receivables Turnover | 308.56 | 2.16 | 2.53 | 5.17 | 3.69 |
| Payables Turnover | 2.67 | 2.06 | 1.50 | 0.55 | 0.81 |
| Inventory Turnover | 0.00 | 0.00 | 0.00 | -0.84 | -0.91 |
| Fixed Asset Turnover | 6.08 | 3.27 | 3.21 | 5.34 | 4.98 |
| Asset Turnover | 0.05 | 0.03 | 0.02 | 0.04 | 0.04 |
| Working Capital Turnover Ratio | -0.11 | -0.05 | -0.07 | -0.09 | -0.09 |
| Cash Conversion Cycle | -135.76 | -7.95 | -99.13 | -1025.69 | -751.87 |
| Days of Sales Outstanding | 1.18 | 168.95 | 144.03 | 70.55 | 98.99 |
| Days of Inventory Outstanding | 0.00 | 0.00 | 0.00 | -434.01 | -399.48 |
| Days of Payables Outstanding | 136.94 | 176.90 | 243.16 | 662.23 | 451.38 |
| Operating Cycle | 1.18 | 168.95 | 144.03 | -363.46 | -300.49 |
| Cash Flow Ratios | |||||
| Operating Cash Flow Per Share | 25.14 | -13.78 | -31.63 | 42.64 | 17.77 |
| Free Cash Flow Per Share | 22.16 | -16.55 | -33.07 | 41.04 | 14.32 |
| Dividend Paid and CapEx Coverage Ratio | 4.32 | -2.86 | -7.13 | 9.27 | 3.59 |
| Capital Expenditure Coverage Ratio | 8.43 | -4.98 | -22.00 | 26.64 | 5.15 |
| Operating Cash Flow Coverage Ratio | 0.03 | -0.02 | -4.74 | 0.05 | 0.02 |
| Operating Cash Flow to Sales Ratio | 0.27 | -0.29 | -0.69 | 0.54 | 0.24 |
| Free Cash Flow Yield | 23.22% | -26.71% | -57.31% | 77.15% | 21.54% |
| Valuation Ratios | |||||
| Price-to-Earnings (P/E) Ratio | 12.24 | 6.45 | 6.91 | 5.06 | 5.63 |
| Price-to-Sales (P/S) Ratio | 1.02 | 1.30 | 1.27 | 0.68 | 0.89 |
| Price-to-Book (P/B) Ratio | 0.25 | 0.18 | 0.18 | 0.17 | 0.21 |
| Price-to-Free Cash Flow (P/FCF) Ratio | 4.31 | -3.74 | -1.75 | 1.30 | 4.64 |
| Price-to-Operating Cash Flow Ratio | 3.80 | -4.50 | -1.82 | 1.25 | 3.74 |
| Price-to-Earnings Growth (PEG) Ratio | -0.65 | 0.43 | -0.34 | -0.46 | 0.15 |
| Enterprise Value Multiple | 91.93 | 74.18 | 4.41 | 67.58 | 48.81 |
| Enterprise Value | 8.18B | 7.74B | 402.78M | 8.03B | 7.36B |
| EV to EBITDA | 91.93 | 74.18 | 4.41 | 67.58 | 48.81 |
| EV to Sales | 10.76 | 20.01 | 1.09 | 12.59 | 12.20 |
| EV to Free Cash Flow | 45.57 | -57.76 | -1.50 | 24.14 | 63.44 |
| EV to Operating Cash Flow | 40.16 | -69.36 | -1.57 | 23.23 | 51.12 |
| Tangible Book Value Per Share | 370.48 | 341.40 | 320.98 | 305.42 | 305.87 |
| Shareholders’ Equity Per Share | 377.28 | 347.73 | 326.64 | 310.50 | 310.37 |
| Tax and Other Ratios | |||||
| Effective Tax Rate | 0.13 | 0.14 | 0.14 | 0.20 | 0.25 |
| Revenue Per Share | 93.82 | 47.77 | 45.58 | 78.72 | 74.47 |
| Net Income Per Share | 7.80 | 9.60 | 8.35 | 10.50 | 11.81 |
| Tax Burden | 0.88 | 0.86 | 0.86 | 0.80 | 0.75 |
| Interest Burden | 1.00 | -6.68 | 1.00 | 1.00 | 0.92 |
| Research & Development to Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| SG&A to Revenue | 0.17 | 0.00 | 0.00 | 0.00 | 0.00 |
| Stock-Based Compensation to Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Income Quality | 3.23 | -1.44 | -3.27 | 4.06 | 1.50 |
Currency in EUR