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Caisse Régionale de Crédit Agricole Mutuel de Paris et d'Ile-de-France (CAF) Stock Verdict & Ratings | Investment Bastion

Stock Verdict·Updated 1d ago

Caisse Régionale de Crédit Agricole Mutuel de Paris et d'Ile-de-France

CAFMarket cap $2.69BPrice $97.0

Country🇫🇷France

SectorFinancials

IndustryBanks

Provides retail and business banking across Paris and the Ile-de-France region, serving one of Europe's wealthiest and most densely populated markets. Part of Credit Agricole's mutual network, it channels local deposits straight back into regional lending.

In Bastion Portfolios?

52W Return-22%Global Market +16%?

01Key Ratings

How does this stock score across Bastion factors?

Growth

Historical Revenue

Rev CAGR (3y)-1%–

Revenue Forecast

Rev CAGR (1y)na–

Rev CAGR (3y)+2%–

Rev CAGR (5y)+2%2

Earnings Forecast

EPS Growth Y+1na–

EPS Growth Y+2na–

EPS Growth Y+3+2%4

Quality

Margins

EBIT Margin0%2

Net Income Margin26%8

Free Cash Flow Margin-69%1

Debt

Net Debt/EBITDAna–

Efficiency

ROE3%2

ROA0%2

Earnings Stability77

GEAR+

Not enough data to calculate the GEAR+ rating.

Value

Price Multiples

P/E Ratio (Forward)na–

P/E Ratio (Forward 3y)98

P/BV0.310

EV Multiples

EV/EBITDA Fwdna–

EV/EBIT Fwdna–

Yield

Free Cash Flow Yield0.0%9

Dividend Yield3.0%7

Momentum

Short term

1 month return-25%1

3 month return-31%1

YTD return-31%1

Mid term

Price vs 52wHigh66%3

1 year return-21%2

Long term

3 year return+40%5

5 year return+53%6

Risk Shield

Price Risk

Beta0.39

Volatility27%8

Free Cash Flow

Free Cash Flow Margin-69%1

Free Cash Flow Yield0.0%9

Quality

ROCE3%2

Earnings Stability77

Net Debt/EBITDAna–

02Growth

Is it actually growing, and how fast?

CAFCaisse Régionale de Crédit Agricole Mutuel de Paris et d'Ile-de-France

Revenue FY25$1.2B

GROWTH RATING↗

——

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR-1%–

Revenue, next 1Yna–

Revenue, next 3Y, CAGR+2%–

Revenue, next 5Y, CAGR+2%2

EARNINGS FORECAST▾SCORE

EPS growth, FY26Ena–

EPS growth, FY27Ena–

EPS growth, FY28E+2%4

GROWTH ASSESSMENT

STRENGTHS

After shrinking over the last 3 years, revenue is set to grow 2%/yr from here.

WATCH

None flagged.

WEAKNESSES

Growth is the weak spot here, trailing 100% of companies worldwide.

Revenue is set to grow 2%/yr over the next 3 years, behind most of the market.2/10

Over five years revenue is set to grow 2%/yr, behind 80% of companies worldwide.2/10

Earnings are set to fall even as revenue grows (EPS about 0%/yr vs revenue 2%/yr).

BOTTOM LINE

Stalled Business

Growth is a weak point here: a business that's turning around. The one thing to watch: forward revenue growth trails the market.

03Price Momentum

Is the market behind it right now?

CAFCaisse Régionale de Crédit Agricole Mutuel de Paris et d'Ile-de-France

Total return Current66.3%

Price return Current16.4%

MOMENTUM RATING↗

VERY WEAK12 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-25%1

3-month return-31%1

YTD return-31%1

MID & LONG-TERM▾SCORE

% of 52-week high66%3

1-year return-21%2

3-year return+40%5

5-year return+53%6

MOMENTUM ASSESSMENT

STRENGTHS

None flagged.

WATCH

Average long-term results. Multi-year returns are middling (+40% over three years and +53% over five), roughly average for the market.

WEAKNESSES

It's down 21% over the past year, now 34% below its 52-week high. That is lagging the market.

The stock is underperforming over the past month (-25%), over three months (-31%) and so far this year (-31%).

BOTTOM LINE

Falling Knife

Returns rank poorly over both the short and long run, and the price is still falling. Momentum is firmly negative — catching this is a bet against the tape, not with it. Wait for a base to form. The one thing to watch: the one-year trend is weak.

04Value

Are you paying a fair price for it?

Stop guessing on Caisse Régionale de Crédit Agricole Mutuel de Paris et d'Ile-de-France. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

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02Growth

Is it actually growing, and how fast?

CAFCaisse Régionale de Crédit Agricole Mutuel de Paris et d'Ile-de-France

Revenue FY25$1.2B

GROWTH RATING↗

——

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR-1%–

Revenue, next 1Yna–

Revenue, next 3Y, CAGR+2%–

Revenue, next 5Y, CAGR+2%2

EARNINGS FORECAST▾SCORE

EPS growth, FY26Ena–

EPS growth, FY27Ena–

EPS growth, FY28E+2%4

GROWTH ASSESSMENT

STRENGTHS

After shrinking over the last 3 years, revenue is set to grow 2%/yr from here.

WATCH

None flagged.

WEAKNESSES

Growth is the weak spot here, trailing 100% of companies worldwide.

Revenue is set to grow 2%/yr over the next 3 years, behind most of the market.2/10

Over five years revenue is set to grow 2%/yr, behind 80% of companies worldwide.2/10

Earnings are set to fall even as revenue grows (EPS about 0%/yr vs revenue 2%/yr).

BOTTOM LINE

Stalled Business

Growth is a weak point here: a business that's turning around. The one thing to watch: forward revenue growth trails the market.

03Price Momentum

Is the market behind it right now?

CAFCaisse Régionale de Crédit Agricole Mutuel de Paris et d'Ile-de-France

Total return Current66.3%

Price return Current16.4%

MOMENTUM RATING↗

VERY WEAK12 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-25%1

3-month return-31%1

YTD return-31%1

MID & LONG-TERM▾SCORE

% of 52-week high66%3

1-year return-21%2

3-year return+40%5

5-year return+53%6

MOMENTUM ASSESSMENT

STRENGTHS

None flagged.

WATCH

Average long-term results. Multi-year returns are middling (+40% over three years and +53% over five), roughly average for the market.

WEAKNESSES

It's down 21% over the past year, now 34% below its 52-week high. That is lagging the market.

The stock is underperforming over the past month (-25%), over three months (-31%) and so far this year (-31%).

BOTTOM LINE

Falling Knife

04Value

Are you paying a fair price for it?

Stop guessing on Caisse Régionale de Crédit Agricole Mutuel de Paris et d'Ile-de-France. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

✓
Stock VerdictValuation and investment strategy for 4,000+ stocks. Days of hedge fund analyst research, done in 2 minutes.
✓
RadarFind your next investment idea: top-ranked stocks across all 9 Bastion strategies.
✓
Portfolio ManagerCheck if Bastion algorithms added the stock you care about to their portfolios.

Secure via Stripe

Trusted by 1,000+ investors in our community