CRCAM dlle-de France (FR:CAF)
:CAF
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CRCAM dlle-de France
(CAF)
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Rating:57Neutral
Price Target:
€126.00
▲(15.09% Upside)
Action:Reiterated
Date:03/15/26
The score is driven primarily by improving headline financials (2025 revenue and net income rebound) but tempered by volatility in profitability and cash flows and structurally high leverage. Technicals are currently weak (below key short/mid-term moving averages with negative MACD), while valuation is supportive with a moderate P/E and a ~2.3% dividend yield.
Positive Factors
Crédit Agricole group integration
As the regional caisse of Crédit Agricole, CAF benefits from enduring distribution, product access and brand affinity across the group. This structural integration supports cross-selling, product distribution and referral flows that sustain retail and SME revenues over the medium term.
Negative Factors
Structurally high leverage
Debt levels many times equity are typical for banks but leave CAF highly sensitive to credit losses and funding stress. Structural leverage constrains capital flexibility, heightens regulatory and provisioning risk, and limits capacity for organic or acquisitive growth.
Read all positive and negative factors
Positive Factors
Negative Factors
Crédit Agricole group integration
As the regional caisse of Crédit Agricole, CAF benefits from enduring distribution, product access and brand affinity across the group. This structural integration supports cross-selling, product distribution and referral flows that sustain retail and SME revenues over the medium term.
Read all positive factors
CRCAM dlle-de France (CAF) vs. iShares MSCI France ETF (EWQ)
Market Cap
€966.87M
Dividend Yield2.14%
Average Volume (3M)2.17K
Price to Earnings (P/E)14.3
Beta (1Y)0.35
Revenue Growth-7.49%
EPS Growth23.13%
CountryFR
Employees3,866
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)8.49
Shares Outstanding7,948,589
10 Day Avg. Volume1,393
30 Day Avg. Volume2,170
Financial Highlights & Ratios
PEG Ratio0.65
Price to Book (P/B)0.39
Price to Sales (P/S)1.19
P/FCF Ratio8.39
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
CRCAM dlle-de France Business Overview & Revenue Model
Company Description
The Caisse Régionale de Crédit Agricole Mutuel de Paris et d'Ile-de-France functions as a cooperative financial institution, providing a comprehensive range of banking and insurance solutions to its members across France. Its offerings encompass v...
How the Company Makes Money
CRCAM d’Île-de-France makes money primarily through banking and financial-services income generated from its customer base (individuals, professionals, businesses, and associations). Key revenue streams include: (1) Net interest income: interest e...
CRCAM dlle-de France Financial Statement Overview
Summary
Income Statement
63
Positive
Balance Sheet
58
Neutral
Cash Flow
49
Neutral
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 2.96B | 2.98B | 2.65B | 1.62B | 1.54B |
| Gross Profit | 1.07B | 951.50M | 1.03B | 1.07B | 1.02B |
| EBITDA | 331.40M | 318.81M | 363.62M | 575.44M | 474.67M |
| Net Income | 236.20M | 191.88M | 244.22M | 369.77M | 331.20M |
Balance Sheet | |||||
| Total Assets | 79.15B | 75.87B | 72.41B | 72.92B | 69.55B |
| Cash, Cash Equivalents and Short-Term Investments | 1.29B | 205.29M | 3.87B | 4.89B | 7.18B |
| Total Debt | 31.89B | 32.25B | 30.56B | 36.09B | 34.55B |
| Total Liabilities | 70.19B | 67.67B | 64.66B | 65.56B | 62.32B |
| Stockholders Equity | 8.95B | 8.20B | 7.75B | 7.35B | 7.23B |
Cash Flow | |||||
| Free Cash Flow | 420.95M | -1.52B | -876.17M | 499.89M | 467.92M |
| Operating Cash Flow | 449.29M | -1.50B | -851.72M | 513.27M | 472.18M |
| Investing Cash Flow | -211.23M | -54.62M | -54.23M | -2.88B | 1.96B |
| Financing Cash Flow | 6.54M | 107.77M | -122.01M | 74.68M | -52.92M |
CRCAM dlle-de France Peers Comparison
UnderperformOutperform
Sector (68)
FR:CAF
CRCAM dlle-de France
121.64
50.36
70.66%
FR:CRLA
Caisse Regionale du Credit Agricole Mutuel du Languedoc
98.20
38.23
63.73%
FR:CIV
CRCAM de l'ille et Vilaine S.A.
137.88
57.09
70.66%
FR:CNDF
CRCAM Nord de France
33.55
16.05
91.73%
FR:CRBP2
Caisse Regionale de Credit Agricole Mutuel Brie Picardie
37.60
16.18
75.55%
FR:CRAV
Caisse Regionale de Credit Agricole Mutuel Atlantique Vendee Cert.Coop.d'Inv.
179.00
78.58
78.25%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.