Caisse Regionale de Credit Agricole Mutuel Loire Haute-Loire Cert.coop.d'invest. (CRLO.PA) Stock Analysis & Winston Score

Caisse régionale de Crédit Agricole Mutuel Loire Haute-Loire is a regional cooperative bank based in the Loire and Haute-Loire departments of central France. It offers everyday banking services — checking accounts, savings, loans, mortgages, and insurance — mainly to individuals, farmers, and small businesses in its local area. It is part of the larger Crédit Agricole Group, one of the biggest banking networks in France.

The bank earns money primarily through interest on loans and fees for banking services, which is the standard model for retail banks. Because it is a cooperative, its customers can also be members and part-owners, which builds loyalty and keeps deposits relatively stable. Its geographic focus is narrow — just two French departments — so its growth is tied closely to the local economy, and low interest rate environments or rising loan defaults in the region represent its main ongoing risks.

Winston Score History

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

-13.1% YoY

YoY Growth Rate

Revenue declining

EPS Growth

-57.3% YoY

YoY Growth Rate

Earnings declining

R&D Spend

$0/ year

0.0% of revenue

Below sector average (7%)

Research and development spending

Insider Activity

4.7%ownership

→ Flat

Insiders holding steady — not selling despite ability to

Cash Position

Cash flow positive

$42M cash & investments

Quarterly Free Cash Flow

↑ Burn rate improving

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

Revenue declining

Caisse Regionale de Credit Agricole Mutuel Loire Haute-Loire Cert.coop.d'invest.'s revenue is actually shrinking. In a growth stock, that removes the core investment thesis. The low Winston Score here may be warranted — unless there's a turnaround story.

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.

Share count broadly stable

+0.0% over 4y

The share count has stayed roughly flat over this period — little dilution or buyback activity.

Diluted shares outstanding: 8.1M (2021) → 8.1M (2025)

Score breakdown

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Quality

Gross Margin

44.9%

Healthy — 44.9% gross margin

Operating Margin

4.2%

Thin — 4.2% operating margin

ROCE

0.1%

Weak — 0.1% return on capital

ROIC between 0% and 5%. They earn a few cents back per dollar invested in the business.

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Growth

Sales YoY

+0.2%

Nearly flat sales (0.2% YoY)

EPS YoY

-7.7%

Earnings shrinking (-7.7% YoY)

Slight earnings drop. Typical near a cyclical low.

EPS Consistency

4/8 quarters

Earnings inconsistent quarter-to-quarter

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Cash Flow

Cash Conversion

292%

Turns 292% of profit into real cash

FCF Margin

25.2%

Converts sales into free cash efficiently (25.2%)

Free cash flow margin above 20%. Out of every $100 in sales, more than $20 is real cash they keep.

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Stability

Debt / Equity

2.43

Heavy debt load (2.43)

Interest Cover

391.41x

Comfortably covers interest (391.4x)

Interest coverage above 8. Profits cover interest many times over.

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Valuation

P/E Ratio (TTM)

5.7x

Attractive valuation — P/E 5.7

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

P/E vs Forward

N/A

not available

Data not available

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Dividends

Dividend Yield

2.69%

Moderate income — 2.69% yield

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

Dividend Growth

-0.6%

Dividend cut (-0.6% YoY) — warning sign

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