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CRCAM dlle-de France (CAF) AI Stock Analysis
CRCAM dlle-de France
(Paris:CAF)
The overall score of 50 reflects significant weaknesses in financial performance, particularly declining profitability and negative cash flows, which outweigh fair valuation and mixed technicals. The bank's solid capital base and revenue growth provide some support, but low ROE and cash burn are key concerns. Investors should monitor improvements in earnings quality and cash generation.
CRCAM dlle-de France (CAF) vs. iShares MSCI France ETF (EWQ)
- Market Cap
- EUR 685.01M
- Dividend Yield
- 3.01%
- Average Volume (3M)
- 1,482
- Price to Earnings (P/E)
- 9.2
- Beta (1Y)
- 0.37
- Revenue Growth
- -4.60%
- EPS Growth
- 22.52%
- Country
- France
- Employees
- 3,959
- Sector
- General
- Sector Strength
- 55
- Industry
- Banks - Regional
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 vari...
CRCAM dlle-de France Financial Statement Overview
Summary
Revenue growth is strong (€1.45B to €2.98B from 2020-2024) but profitability has weakened, with net income falling from €370M to €192M and net margin contracting to 6.4%. Cash flow turned negative, raising liquidity concerns. Balance sheet shows solid capitalization (equity/assets ~10.8%) but low ROE (2.3%). Overall financial performance is weak.
Income Statement
38NegativeBalance Sheet
52NeutralCash Flow
22Negative| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 2.98B | 2.96B | 2.98B | 2.65B | 1.62B | 1.54B |
| Gross Profit | 1.15B | 1.07B | 951.50M | 1.03B | 1.07B | 1.02B |
| EBITDA | 392.69M | 331.43M | 318.81M | 409.32M | 575.44M | 524.07M |
| Net Income | 259.75M | 236.20M | 191.88M | 244.22M | 369.77M | 331.20M |
Balance Sheet | ||||||
| Total Assets | 81.30B | 79.15B | 75.87B | 72.41B | 72.92B | 69.55B |
| Cash, Cash Equivalents and Short-Term Investments | 79.41M | 1.29B | 205.29M | 3.87B | 4.89B | 7.18B |
| Total Debt | 32.27B | 31.89B | 32.25B | 30.56B | 36.09B | 34.55B |
| Total Liabilities | 72.06B | 70.19B | 67.67B | 64.66B | 65.56B | 62.32B |
| Stockholders Equity | 9.23B | 8.95B | 8.20B | 7.75B | 7.35B | 7.23B |
Cash Flow | ||||||
| Free Cash Flow | 485.79M | 420.95M | -1.52B | -876.17M | 499.89M | 467.92M |
| Operating Cash Flow | 515.74M | 449.29M | -1.50B | -851.72M | 513.27M | 472.18M |
| Investing Cash Flow | -74.49M | -211.23M | -54.62M | -54.23M | -2.88B | 1.96B |
| Financing Cash Flow | 50.91M | 6.54M | 107.77M | -122.01M | 74.68M | -52.92M |
CRCAM dlle-de France Technical Analysis
Price Trends
Market Momentum
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For FR:CAF, the sentiment is Negative. The current price of 86.18 is above the 20-day moving average (MA) of 85.95, below the 50-day MA of 98.55, and below the 200-day MA of 110.86, indicating a neutral trend. The MACD of -3.34 indicates Negative momentum. The RSI at 39.12 is Neutral, neither overbought nor oversold. The STOCH value of 86.27 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for FR:CAF.
CRCAM dlle-de France Peers Comparison
Overall Rating
- FR:CAF50Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| Sector * | 55Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
| FR:CAF | 50Neutral | EUR 685.01M | 9.22 | 2.86% | 3.01% | -4.60% | 22.52% |
* General Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| FR:CAF | CRCAM dlle-de France | 86.18 | -20.25 | -19.02% | |
| FR:CRLA | Caisse Regionale du Credit Agricole Mutuel du Languedoc | 64.99 | -14.36 | -18.10% | |
| FR:CIV | CRCAM de l'ille et Vilaine S.A. | 96.00 | -4.26 | -4.25% | |
| FR:CNDF | CRCAM Nord de France | 23.36 | -3.31 | -12.40% | |
| FR:CRBP2 | Caisse Regionale de Credit Agricole Mutuel Brie Picardie | 28.80 | -0.20 | -0.69% | |
| FR:CRAV | Caisse Regionale de Credit Agricole Mutuel Atlantique Vendee Cert.Coop.d'Inv. | 112.44 | -23.56 | -17.33% |
CRCAM dlle-de France Corporate Events
Crédit Agricole d’Ile-de-France Publishes 2026 Interim Financial Report
Crédit Agricole d’Ile-de-France has released its interim financial report for the period ending June 30, 2026 and filed it with the Autorité des marchés financiers, reinforcing its commitment to regulatory compliance and transpar...
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.
Date of analysis: Aug 06, 2026