CRCAM dlle-de France AI Stock Analysis
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CRCAM dlle-de France (CAF) AI Stock Analysis
CRCAM dlle-de France
(Paris:CAF)
The score is driven primarily by mixed financial performance: revenue and net income improved, but profitability metrics and cash flows are notably volatile and leverage remains high. Technicals are a key drag as the stock trades below major moving averages with negative MACD. Valuation helps offset these risks thanks to a low P/E and a moderate dividend yield.
CRCAM dlle-de France (CAF) vs. iShares MSCI France ETF (EWQ)
- Market Cap
- EUR 714.34M
- Dividend Yield
- 2.77%
- Average Volume (3M)
- 1,502
- Price to Earnings (P/E)
- 10.0
- Beta (1Y)
- 0.38
- 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
Headline improvement (revenue rebound in 2025 and net income up vs. 2024) is tempered by volatile profitability signals (large swings and negative/invalid-looking EBIT/EBITDA readings) and uneven cash generation (OCF/FCF turned meaningfully negative in 2023–2024). Balance sheet leverage is structurally high (debt-to-equity ~4–5x in 2020–2024) with modest ROE, increasing sensitivity to credit/funding conditions.
Income Statement
63PositiveBalance Sheet
58NeutralCash Flow
49Neutral| 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 Neutral. The current price of 93.48 is above the 20-day moving average (MA) of 86.49, below the 50-day MA of 94.16, and below the 200-day MA of 109.71, indicating a neutral trend. The MACD of -0.75 indicates Negative momentum. The RSI at 63.15 is Neutral, neither overbought nor oversold. The STOCH value of 78.48 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for FR:CAF.
CRCAM dlle-de France Peers Comparison
Overall Rating
- FR:CAF58Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| FR:CAF | 58Neutral | EUR 714.34M | 10.00 | 2.86% | 2.77% | -4.60% | 22.52% |
| Sector * | 55Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
* General Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| FR:CAF | CRCAM dlle-de France | 93.48 | -21.23 | -18.50% | |
| FR:CRLA | Caisse Regionale du Credit Agricole Mutuel du Languedoc | 66.00 | -17.30 | -20.77% | |
| FR:CIV | CRCAM de l'ille et Vilaine S.A. | 97.48 | -6.67 | -6.41% | |
| FR:CNDF | CRCAM Nord de France | 25.36 | -0.62 | -2.40% | |
| FR:CRBP2 | Caisse Regionale de Credit Agricole Mutuel Brie Picardie | 31.05 | 1.18 | 3.93% | |
| FR:CRAV | Caisse Regionale de Credit Agricole Mutuel Atlantique Vendee Cert.Coop.d'Inv. | 107.50 | -30.94 | -22.35% |
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 transparency. The report and...
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: Nov 07, 2026