Caisse Régionale de Crédit Agricole Mutuel de Paris et d'Ile-de-France (CAF.PA) Valuation

Valuation

Model-based estimates, not advice. The DCF is the discounted-cash-flow value per share; compare it with the price, not as a target.

DCF fair value

+628.3%

€629.18

vs €86.39 price

Levered DCF

-€1,293.21

After debt service

Piotroski score

7 / 9

Strong

Altman Z-score

0.06

Distress zone

Rating

Overall 2 / 5

Ratios by fiscal year

Margins and yields are shares of revenue, equity or price; multiples are ×.

Metric	FY2025	FY2024	FY2023	FY2022	FY2021	FY2020	FY2019	FY2018
P/E	14.96×	9.5×	7.42×	5.06×	7.26×	9.92×	9.49×	8.83×
P/B	0.39×	0.22×	0.23×	0.25×	0.33×	0.32×	0.43×	0.41×
P/S	1.19×	0.61×	0.68×	1.16×	1.57×	1.45×	1.82×	2.56×
EV / EBITDA	106.35×	106.24×	78.05×	57.46×	56.82×	68.68×	0×	13,572.91×
Gross margin	36.3%	31.9%	39.0%	66.2%	66.6%	61.5%	100.0%	100.0%
Operating margin	9.7%	7.8%	11.4%	28.3%	28.5%	24.6%	27.0%	40.2%
Net margin	8.0%	6.4%	9.2%	22.8%	21.6%	14.6%	19.2%	28.9%
Current ratio	0.15×	0.02×	0.13×	0.03×	0.03×	0.05×	0.05×	10.64×
Debt / equity	3.56×	3.93×	3.94×	4.91×	4.78×	4.81×	4.43×	4.36×
Interest coverage	0.16×	0.12×	0.19×	1.1×	1.2×	1.01×	1.01×	1.02×
Dividend yield	0.4%	1.5%	1.6%	1.3%	0.8%	1.5%	1.6%	1.5%
Payout ratio	5.5%	14.5%	12.2%	6.8%	5.5%	14.7%	15.0%	13.0%

Key metrics by fiscal year

Metric	FY2025	FY2024	FY2023	FY2022	FY2021	FY2020	FY2019	FY2018
Return on equity	2.6%	2.3%	3.2%	5.0%	4.6%	3.3%	4.5%	4.6%
Return on invested capital	0.3%	0.9%	0.5%	0.8%	0.7%	0.6%	1.1%	13.0%
Return on assets	0.3%	0.3%	0.3%	0.5%	0.5%	0.3%	0.5%	0.5%
Free cash flow yield	11.9%	-83.2%	-48.4%	26.7%	19.5%	18.7%	-1.9%	39.8%
Earnings yield	6.7%	10.5%	13.5%	19.7%	13.8%	10.1%	10.5%	11.3%
Enterprise value	€35.2B	€33.9B	€31.9B	€33.1B	€29.8B	€28.4B	€29.2B	€26.8B
Net debt / EBITDA	95.7×	100.52×	73.63×	54.2×	52.23×	63.6×	0×	12,317.13×
Cash conversion cycle (days)	6	72	73	-4,289	-7,377	312	0	0