CRCAM dlle-de France (FR:CAF)
:CAF
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CRCAM dlle-de France
(CAF)
Select Model
Select Model
Rating:57Neutral
Price Target:
€117.00
▲(6.87% Upside)
Action:ReiteratedDate: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
Group affiliation and distribution network
Membership in the Crédit Agricole network is a durable structural advantage: it sustains product breadth, brand recognition and distribution access, enabling steady fee income and cross‑sell opportunities across insurance, savings and lending products over multiple market cycles.
Negative Factors
Structurally high leverage (debt-to-equity ~4–5x)
Debt‑to‑equity of roughly 4–5x is a persistent structural constraint for the bank: it raises sensitivity to credit losses and funding stress, limits capital flexibility and increases regulatory and market scrutiny, making long‑term resilience more dependent on asset quality and capital generation.
Read all positive and negative factors
Positive Factors
Negative Factors
Group affiliation and distribution network
Membership in the Crédit Agricole network is a durable structural advantage: it sustains product breadth, brand recognition and distribution access, enabling steady fee income and cross‑sell opportunities across insurance, savings and lending products over multiple market cycles.
Read all positive factors
CRCAM dlle-de France (CAF) vs. iShares MSCI France ETF (EWQ)
Market Cap
€896.71M
Dividend Yield2.14%
Average Volume (3M)2.17K
Price to Earnings (P/E)8.9
Beta (1Y)0.45
Revenue GrowthN/A
EPS GrowthN/A
CountryFR
Employees3,866
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)3.56
Shares Outstanding8,037,939
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
Caisse Régionale de Crédit Agricole Mutuel de Paris et d'Ile-de-France, a cooperative bank, provides various banking and insurance services to its members in France. The company offers saving products; accounts and cards; vehicle and home financin...
How the Company Makes Money
CRCAM d’Ile-de-France (CAF) generally earns money through standard banking revenue streams: (1) Net interest income: interest earned on loans and financing (e.g., mortgages, consumer credit, and business lending) minus interest paid on customer de...
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
111.56
41.81
59.95%
GB:0MK6
Caisse Regionale de Credit Agricole Mutuel Toulouse 31
113.88
30.81
37.09%
GB:0IN0
CRCAM de l'ille et Vilaine S.A.
114.48
39.27
52.21%
GB:0AHI
CRCAM Nord de France
24.96
8.43
51.00%
GB:0GTI
Caisse Regionale de Credit Agricole Mutuel Brie Picardie
27.60
6.69
31.99%
FR:CMO
CRCAM Morbihan CCI
102.98
28.35
37.99%
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
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