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CRCAM dlle-de France
(CAF)
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Rating:58Neutral
Price Target:
€108.00
▼(-7.14% Downside)
Action:Reiterated
Date:08/06/26
The score is primarily constrained by volatile profitability and uneven cash flow, alongside structurally high leverage typical of banks. Technicals add a slight headwind due to weak short-term momentum. Valuation is a relative positive, supported by a reasonable P/E and a moderate dividend yield.
Positive Factors
2025 Revenue Rebound
Annual revenue rebounded strongly in 2025 after a weak 2023, showing the bank can restore topline activity across its regional customer base. This recovery supports operating scale and provides a stronger foundation for sustaining lending, deposit, and fee-generating relationships over the next several quarters.
Negative Factors
High Leverage
Debt remains very large relative to equity, with debt-to-equity around 4–5x across 2020–2024. Although leverage is typical for banks, this structure increases sensitivity to credit and funding conditions and leaves less balance-sheet flexibility if losses or financing pressures rise.
Read all positive and negative factors
Positive Factors
Negative Factors
2025 Revenue Rebound
Annual revenue rebounded strongly in 2025 after a weak 2023, showing the bank can restore topline activity across its regional customer base. This recovery supports operating scale and provides a stronger foundation for sustaining lending, deposit, and fee-generating relationships over the next several quarters.
Read all positive factors
CRCAM dlle-de France (CAF) vs. iShares MSCI France ETF (EWQ)
Market Cap
€823.95M
Dividend Yield2.54%
Average Volume (3M)316.00
Price to Earnings (P/E)10.9
Beta (1Y)0.32
Revenue Growth-4.60%
EPS Growth22.52%
CountryFR
Employees3,959
SectorGeneral
Sector StrengthN/A
IndustryBanks - Regional
Share Statistics
EPS (TTM)9.35
Shares Outstanding7,948,589
10 Day Avg. Volume297
30 Day Avg. Volume316
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 primarily generates revenue through banking intermediation and service/fee-based activities. Key revenue streams typically include: (1) Net interest income: income earned on loans and other interest-earning assets (e.g., mort...
CRCAM dlle-de France Financial Statement Overview
Summary
Income Statement
63
Positive
Balance Sheet
58
Neutral
Cash Flow
49
Neutral
| 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 | 369.48M | 331.40M | 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
Negative
116.30
Price Trends
115.94
Negative
116.27
Negative
115.14
Negative
Market Momentum
-3.28
Positive
13.46
Positive
0.96
Positive
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 116.3 is above the 20-day moving average (MA) of 112.09, above the 50-day MA of 115.94, and above the 200-day MA of 115.14, indicating a bearish trend. The MACD of -3.28 indicates Positive momentum. The RSI at 13.46 is Positive, neither overbought nor oversold. The STOCH value of 0.96 is Positive, 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
UnderperformOutperform
Sector (55)
FR:CAF
CRCAM dlle-de France
102.14
16.22
18.88%
FR:CRLA
Caisse Regionale du Credit Agricole Mutuel du Languedoc
87.50
10.89
14.21%
FR:CIV
CRCAM de l'ille et Vilaine S.A.
119.00
22.68
23.55%
FR:CNDF
CRCAM Nord de France
28.55
5.43
23.47%
FR:CRBP2
Caisse Regionale de Credit Agricole Mutuel Brie Picardie
34.58
8.91
34.72%
FR:CRAV
Caisse Regionale de Credit Agricole Mutuel Atlantique Vendee Cert.Coop.d'Inv.
125.82
-8.72
-6.48%
CRCAM dlle-de France Corporate Events
Crédit Agricole d’Ile-de-France Publishes 2026 Interim Financial Report
Aug 27, 2026
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 trans...
Crédit Agricole d’Ile-de-France Delivers Strong H1 2026 Growth on Solid Capital Base
Jul 31, 2026
Crédit Agricole d’Ile-de-France reported strong commercial momentum in the first half of 2026, adding more than 50,000 new clients and pushing total credit and savings outstanding to €157.2bn. Growth was driven by higher home and ...
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.