Caisse Regionale de Credit Agricole Mutuel du Languedoc (CRLA) - Net Assets
Based on the latest financial reports, Caisse Regionale de Credit Agricole Mutuel du Languedoc (CRLA) has net assets worth €6.06 Billion EUR (≈ $7.08 Billion USD) as of December 2025. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (€36.29 Billion ≈ $42.43 Billion USD) and total liabilities (€30.23 Billion ≈ $35.35 Billion USD). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off. Check CRLA intangible-adjusted equity ratio to evaluate the tangible quality of the company's equity base.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | €6.06 Billion |
| % of Total Assets | 16.69% |
| Annual Growth Rate | 2.57% |
| 5-Year Change | 27.94% |
| 10-Year Change | 95.34% |
| Growth Volatility | 28.43 |
Caisse Regionale de Credit Agricole Mutuel du Languedoc - Net Assets Trend (2000–2025)
This chart illustrates how Caisse Regionale de Credit Agricole Mutuel du Languedoc's net assets have evolved over time, based on quarterly financial data. See Caisse Regionale de Credit Agricole Mutu defensive liquidity buffer to measure how many days the company can operate on defensive assets alone.
Annual Net Assets for Caisse Regionale de Credit Agricole Mutuel du Languedoc (2000–2025)
The table below shows the annual net assets of Caisse Regionale de Credit Agricole Mutuel du Languedoc from 2000 to 2025. For live valuation and market cap data, see how much is Caisse Regionale de Credit Agricole Mutu worth.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | €6.06 Billion ≈ $7.08 Billion |
+11.10% |
| 2024-12-31 | €5.45 Billion ≈ $6.37 Billion |
+7.38% |
| 2023-12-31 | €5.08 Billion ≈ $5.94 Billion |
+6.91% |
| 2022-12-31 | €4.75 Billion ≈ $5.55 Billion |
+0.31% |
| 2021-12-31 | €4.73 Billion ≈ $5.53 Billion |
+14.65% |
| 2020-12-31 | €4.13 Billion ≈ $4.83 Billion |
+0.84% |
| 2019-12-31 | €4.09 Billion ≈ $4.79 Billion |
+7.86% |
| 2018-12-31 | €3.80 Billion ≈ $4.44 Billion |
+13.51% |
| 2017-12-31 | €3.34 Billion ≈ $3.91 Billion |
+7.86% |
| 2016-12-31 | €3.10 Billion ≈ $3.62 Billion |
+4.48% |
| 2015-12-31 | €2.97 Billion ≈ $3.47 Billion |
+5.03% |
| 2014-12-31 | €2.83 Billion ≈ $3.30 Billion |
+4.44% |
| 2013-12-31 | €2.71 Billion ≈ $3.16 Billion |
+5.58% |
| 2012-12-31 | €2.56 Billion ≈ $3.00 Billion |
+6.57% |
| 2011-12-31 | €2.40 Billion ≈ $2.81 Billion |
+5.04% |
| 2010-12-31 | €2.29 Billion ≈ $2.68 Billion |
+7.36% |
| 2009-12-31 | €2.13 Billion ≈ $2.49 Billion |
+20.75% |
| 2008-12-31 | €1.77 Billion ≈ $2.06 Billion |
-23.17% |
| 2007-12-31 | €2.30 Billion ≈ $2.69 Billion |
-6.65% |
| 2006-12-31 | €2.46 Billion ≈ $2.88 Billion |
+82.62% |
| 2005-12-31 | €1.35 Billion ≈ $1.58 Billion |
+81.18% |
| 2004-12-31 | €744.00 Million ≈ $869.81 Million |
-8.60% |
| 2003-12-31 | €814.00 Million ≈ $951.65 Million |
+7.48% |
| 2002-12-31 | €757.33 Million ≈ $885.40 Million |
+7.61% |
| 2001-12-31 | €703.76 Million ≈ $822.77 Million |
-78.09% |
| 2000-12-31 | €3.21 Billion ≈ $3.76 Billion |
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Equity Component Analysis
This analysis shows how different components contribute to Caisse Regionale de Credit Agricole Mutuel du Languedoc's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 18962500000.0% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | €189.62 Million | 3.14% |
| Common Stock | €402.54 Million | 6.66% |
| Other Comprehensive Income | €1.46 Billion | 24.18% |
| Other Components | €3.99 Billion | 66.02% |
| Total Equity | €6.04 Billion | 100.00% |
Caisse Regionale de Credit Agricole Mutuel du Languedoc Competitors by Market Cap
The table below lists competitors of Caisse Regionale de Credit Agricole Mutuel du Languedoc ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Tribune Resources Ltd
AU:TBR
|
$198.62 Million |
|
Karyopharm Therapeutics Inc
NASDAQ:KPTI
|
$198.68 Million |
|
Hamilton Beach Brands Holding Co Class A
NYSE:HBB
|
$198.71 Million |
|
CviLux Corp
TW:8103
|
$198.71 Million |
|
Wei Chuan Foods Corp
TW:1201
|
$198.50 Million |
|
MAKUS Inc
KQ:093520
|
$198.29 Million |
|
Skue Sparebank
OL:SKUE
|
$198.27 Million |
|
Oriental Interest Bhd
KLSE:5827
|
$198.23 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Caisse Regionale de Credit Agricole Mutuel du Languedoc's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 5,438,982,000 to 6,042,177,000, a change of 603,195,000 (11.1%).
- Net income of 189,624,000 contributed positively to equity growth.
- Other comprehensive income increased equity by 425,418,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | €189.62 Million | +3.14% |
| Other Comprehensive Income | €425.42 Million | +7.04% |
| Other Changes | €-11.85 Million | -0.2% |
| Total Change | €- | 11.09% |
Book Value vs Market Value Analysis
This analysis compares Caisse Regionale de Credit Agricole Mutuel du Languedoc's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 0.32x
- The company is trading below its book value, potentially indicating the market believes the assets are overvalued on the balance sheet or anticipates future losses.
- The price-to-book ratio has decreased from 0.81x to 0.32x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2006-12-31 | €120.24 | €97.00 | x |
| 2007-12-31 | €114.16 | €97.00 | x |
| 2008-12-31 | €87.70 | €97.00 | x |
| 2009-12-31 | €107.74 | €97.00 | x |
| 2010-12-31 | €115.67 | €97.00 | x |
| 2011-12-31 | €118.59 | €97.00 | x |
| 2012-12-31 | €127.60 | €97.00 | x |
| 2013-12-31 | €134.20 | €97.00 | x |
| 2014-12-31 | €141.44 | €97.00 | x |
| 2015-12-31 | €148.90 | €97.00 | x |
| 2016-12-31 | €156.05 | €97.00 | x |
| 2017-12-31 | €168.58 | €97.00 | x |
| 2018-12-31 | €191.24 | €97.00 | x |
| 2019-12-31 | €206.27 | €97.00 | x |
| 2020-12-31 | €208.51 | €97.00 | x |
| 2021-12-31 | €239.21 | €97.00 | x |
| 2022-12-31 | €240.11 | €97.00 | x |
| 2023-12-31 | €256.56 | €97.00 | x |
| 2024-12-31 | €275.46 | €97.00 | x |
| 2025-12-31 | €306.43 | €97.00 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Caisse Regionale de Credit Agricole Mutuel du Languedoc utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 3.14%
- The company may be facing challenges in efficiently utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 12.05%
- • Asset Turnover: 0.04x
- • Equity Multiplier: 6.01x
- Recent ROE (3.14%) is below the historical average (5.48%), suggesting potential challenges in capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2006 | 7.07% | 15.82% | 0.07x | 6.21x | €-72.24 Million |
| 2007 | 7.11% | 13.32% | 0.07x | 7.31x | €-66.38 Million |
| 2008 | 7.69% | 10.15% | 0.08x | 10.00x | €-40.77 Million |
| 2009 | 5.73% | 20.98% | 0.03x | 8.47x | €-90.94 Million |
| 2010 | 8.12% | 27.64% | 0.03x | 8.47x | €-43.06 Million |
| 2011 | 8.12% | 29.24% | 0.03x | 8.88x | €-45.15 Million |
| 2012 | 5.94% | 24.67% | 0.03x | 8.54x | €-104.10 Million |
| 2013 | 5.84% | 25.78% | 0.03x | 7.58x | €-112.43 Million |
| 2014 | 5.89% | 28.38% | 0.03x | 7.70x | €-116.01 Million |
| 2015 | 5.74% | 28.73% | 0.03x | 7.83x | €-126.43 Million |
| 2016 | 5.15% | 27.47% | 0.02x | 7.64x | €-150.27 Million |
| 2017 | 5.97% | 41.66% | 0.02x | 7.25x | €-134.87 Million |
| 2018 | 4.61% | 31.77% | 0.02x | 6.81x | €-204.29 Million |
| 2019 | 4.55% | 32.50% | 0.02x | 6.78x | €-222.63 Million |
| 2020 | 3.30% | 26.45% | 0.02x | 7.51x | €-276.35 Million |
| 2021 | 4.47% | 34.48% | 0.02x | 7.11x | €-261.52 Million |
| 2022 | 4.60% | 23.14% | 0.03x | 7.73x | €-256.05 Million |
| 2023 | 3.47% | 30.70% | 0.02x | 6.91x | €-330.92 Million |
| 2024 | 3.19% | 10.19% | 0.05x | 6.63x | €-370.58 Million |
| 2025 | 3.14% | 12.05% | 0.04x | 6.01x | €-414.59 Million |
Industry Comparison
This section compares Caisse Regionale de Credit Agricole Mutuel du Languedoc's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $199,991,327,800
- Average return on equity (ROE) among peers: 5.02%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Caisse Regionale de Credit Agricole Mutuel du Languedoc (CRLA) | €6.06 Billion | 7.07% | 4.99x | $198.53 Million |
| Credit Agricole SA (ACA) | $1.87 Trillion | 0.31% | 0.11x | $51.88 Billion |
| BNP Paribas SA (BNP) | $107.21 Billion | 7.24% | 17.28x | $103.16 Billion |
| Caisse Régionale de Crédit Agricole Mutuel de Paris et d-Ile-de-France (CAF) | $3.91 Billion | 7.75% | 7.55x | $1.14 Billion |
| Ca Toulouse 31 CCI (CAT31) | $621.41 Million | 6.90% | 7.09x | $676.97 Million |
| Caisse Regionale de Credit Agricole Mutuel de Normandie Seine SC (CCN) | $1.92 Billion | 4.96% | 6.18x | $717.83 Million |
| Caisse régionale de Crédit Agricole Mutuel d-Ille-et-Vilaine SC (CIV) | $2.71 Billion | 2.41% | 6.87x | $343.06 Million |
| Caisse Régionale de Crédit Agricole du Morbihan (CMO) | $2.36 Billion | 2.91% | 4.92x | $231.80 Million |
| Caisse Régionale du Crédit Agricole Alpes Provence (CRAP) | $1.71 Billion | 5.52% | 7.60x | $126.58 Million |
| Caisse régionale de Crédit Agricole Mutuel Atlantique Vendée (CRAV) | $1.79 Billion | 5.86% | 7.80x | $243.55 Million |
| Caisse Regionale de Credit Agricole Mutuel Brie Picardie (CRBP2) | $3.05 Billion | 6.30% | 6.05x | $602.32 Million |
About Caisse Regionale de Credit Agricole Mutuel du Languedoc
Caisse Régionale de Crédit Agricole Mutuel du Languedoc Société coopérative provides banking products and services in France. 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… Read more