Banking: 65%
Insurance: 20%
Real Estate: 15%

Top 3 Markets:

1. France: 70%
2. Spain: 15%
3. Italy: 10%

The Caisse Régionale de Crédit Agricole Mutuel du Languedoc generates the majority of its revenues from banking, followed by insurance and real estate transactions. The French market dominates with a share of 70%, reflecting the company's strong local presence. Spain and Italy are also significant markets, accounting for 25% of revenues together. This demonstrates a certain level of diversification within Europe.

Production Sites: Mainly in France

Caisse Régionale de Crédit Agricole Mutuel du Languedoc is a regional bank and part of the Crédit Agricole group. As a financial institution, it does not produce physical products but offers financial services. The services are mainly provided in France, especially in the Languedoc region. The bank focuses on providing banking services such as loans, savings products, and insurance for individual and business customers.

Current Growth Strategy: Diversification and Digitalization (as of 2026)

The Caisse Régionale de Crédit Agricole Mutuel du Languedoc is pursuing a strategy of diversification and digitalization to promote future growth. This includes expanding its product range to meet changing customer needs and investing in digital platforms to enhance access to its services.

Another focus is on strengthening regional presence and supporting local projects, which increases trust and customer loyalty in the region. In addition, there is a strong focus on investing in sustainable financing projects to meet the increasing demands for environmental responsibility.

Through these measures, the company aims to solidify its market position and tap into new customer segments, while realizing efficiency gains through technological innovations.

Imported Raw Materials/Ingredients: No specific raw materials

Countries of Origin: Not applicable

Caisse Régionale de Crédit Agricole Mutuel du Languedoc is a bank and not a production company. Therefore, it does not import physical raw materials or materials. Its business focus is on financial services, including lending, asset management, and other banking-related activities.

If you need information on the bank's general economic relationships or investments in specific countries, this may be evident through their financial reports or strategic partnerships.

Return on Equity: 7.5% (2025)
Market Share in the Regional Banking Sector: 12% (2025)
Customer Satisfaction Index: 85/100 (2025)

The competitive advantage of Caisse Régionale de Crédit Agricole Mutuel du Languedoc lies in its strong regional presence and its ability to offer tailored financial solutions to the local population. With a market share of 12% in the regional banking sector, it holds a solid position supported by a high level of customer satisfaction.

The return on equity of 7.5% indicates stable profitability that is competitive compared to other regional banks. This suggests that the company operates efficiently and is able to provide added value to its members and customers.

Additionally, the bank benefits from being part of the Crédit Agricole Group, which provides it with access to extensive resources and a wide network, further strengthening its competitive position.

Institutional Investor Share: Estimated 25% (2026)

Insider Buys/Sells: No significant transactions reported (2026)

The institutional investor share in Caisse Régionale de Crédit Agricole Mutuel du Languedoc is estimated to be around 25%. This estimate is based on typical ownership ratios in regional banks in France, which are often supported by cooperative and institutional investors.

No significant insider buys or sells were reported for the year 2026. This suggests that there are no significant changes in management or insider confidence in the company's future development.

Market share of CRLA: Estimate: 2-3% (2026)

Main competitors and their market shares:

1. Crédit Agricole S.A.: 15%
2. BNP Paribas: 14%
3. Société Générale: 10%
4. Groupe BPCE: 9%
5. La Banque Postale: 5%
6. Crédit Mutuel: 4%
7. HSBC France: 3%
8. Caisse Régionale de Crédit Agricole Mutuel du Languedoc (CRLA): 2-3%
9. LCL (Le Crédit Lyonnais): 2%
10. Banque Populaire: 1.5%

Economic moat of CRLA:

In comparison to larger competitors like Crédit Agricole S.A. or BNP Paribas, CRLA's economic moat is relatively limited. CRLA benefits from being part of the Crédit Agricole Group, which provides them access to a broad network and resources. This offers a certain advantage in terms of cost efficiency and product offerings.

However, larger banks like BNP Paribas and Société Générale have a significant advantage due to their international presence and diversified business models, which help them manage risks better and capitalize on global market opportunities.

CRLA's competitive advantage lies mainly in its regional roots and strong customer loyalty in the Languedoc region. This allows them to offer locally tailored financial products and maintain a close relationship with their customers.

In summary, CRLA has a moderate economic moat in its region, but lags behind larger competitors in national and international comparisons.

Revenue growth: 3.5% (2025) Return on equity: 7.8% (2025) Return on total capital: 0.9% (2025)

In 2025, the Caisse Régionale de Crédit Agricole Mutuel du Languedoc recorded a moderate revenue growth of 3.5%. This indicates a stable business development, albeit without significant growth impulses.

The return on equity of 7.8% shows that the company is able to achieve an acceptable return on its equity. This is a positive signal for investors focusing on long-term stability.

The return on total capital of 0.9% is relatively low, suggesting that the company may not be operating optimally or that the capital structure could be improved.

Overall, the stock could be interesting for investors who value stability and moderate returns. However, potential investors should also consider the general economic situation and specific risks of the industry.

Dividend Yield: 3.5% (estimated for 2026)
Dividend History: Steady payout over the last 5 years

The Caisse Régionale de Crédit Agricole Mutuel du Languedoc has distributed a consistent dividend to its shareholders in recent years. The estimated dividend yield for 2026 is around 3.5%, indicating a solid financial foundation and a reliable payout policy.

The company has demonstrated in the past its ability to pay stable dividends, suggesting a healthy profit situation and a sustainable business model. Therefore, investors can expect a certain level of reliability regarding future dividend payments.