ENXTPA:CAF

Stock Analysis Report

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

Executive Summary

Caisse Régionale de Crédit Agricole Mutuel de Paris et d'Ile-de-France operates as a cooperative bank that provides a range of banking and insurance services to its members in France.

Rewards


Snowflake Analysis

Share Price & News

How has Caisse Régionale de Crédit Agricole Mutuel de Paris et d'Ile-de-France's share price performed over time and what events caused price changes?


Latest Share Price and Events

Stable Share Price: CAF has not had significant price volatility in the past 3 months.


Market Performance


7 Day Return

0.4%

CAF

-1.6%

FR Banks

-0.5%

FR Market


1 Year Return

18.7%

CAF

25.1%

FR Banks

15.2%

FR Market

Return vs Industry: CAF underperformed the French Banks industry which returned 25.1% over the past year.

Return vs Market: CAF exceeded the French Market which returned 15.2% over the past year.


Shareholder returns

CAFIndustryMarket
7 Day0.4%-1.6%-0.5%
30 Day7.6%5.2%0.6%
90 Day8.7%4.6%2.8%
1 Year23.1%18.7%34.7%25.1%19.2%15.2%
3 Year50.8%32.8%14.5%-3.6%43.8%30.2%
5 Year76.0%42.4%23.6%-3.9%52.3%30.8%

Price Volatility Vs. Market

How volatile is Caisse Régionale de Crédit Agricole Mutuel de Paris et d'Ile-de-France's share price compared to the market and industry in the last 5 years?


Simply Wall St News

Valuation

Is Caisse Régionale de Crédit Agricole Mutuel de Paris et d'Ile-de-France undervalued compared to its fair value and its price relative to the market?

33.7%

Undervalued compared to fair value


Share Price vs. Fair Value

Below Fair Value: CAF (€108.9) is trading below our estimate of fair value (€164.18)

Significantly Below Fair Value: CAF is trading below fair value by more than 20%.


Price To Earnings Ratio

PE vs Industry: CAF is poor value based on its PE Ratio (11.5x) compared to the Banks industry average (9.4x).

PE vs Market: CAF is good value based on its PE Ratio (11.5x) compared to the French market (18.5x).


Price to Earnings Growth Ratio

PEG Ratio: Insufficient data to calculate CAF's PEG Ratio to determine if it is good value.


Price to Book Ratio

PB vs Industry: CAF is good value based on its PB Ratio (0.5x) compared to the XE Banks industry average (0.7x).

Future Growth

How is Caisse Régionale de Crédit Agricole Mutuel de Paris et d'Ile-de-France forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?

10.0%

Forecasted Banks industry annual growth in earnings


In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as Caisse Régionale de Crédit Agricole Mutuel de Paris et d'Ile-de-France has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.

This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.

Past Performance

How has Caisse Régionale de Crédit Agricole Mutuel de Paris et d'Ile-de-France performed over the past 5 years?

-1.3%

Historical annual earnings growth


Earnings and Revenue History

Quality Earnings: CAF has high quality earnings.

Growing Profit Margin: CAF's current net profit margins (27.8%) are higher than last year (27.3%).


Past Earnings Growth Analysis

Earnings Trend: CAF's earnings have declined by -1.3% per year over the past 5 years.

Accelerating Growth: CAF's earnings growth over the past year (0.5%) exceeds its 5-year average (-1.3% per year).

Earnings vs Industry: CAF earnings growth over the past year (0.5%) underperformed the Banks industry 2.8%.


Return on Equity

High ROE: CAF's Return on Equity (4.3%) is considered low.


Return on Assets


Return on Capital Employed

Financial Health

How is Caisse Régionale de Crédit Agricole Mutuel de Paris et d'Ile-de-France's financial position? (This company is analysed differently as a bank or financial institution)


Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet

Inventory Level: CAF has a low level of unsold assets or inventory.

Debt Coverage by Assets: CAF's debt is covered by short term assets (assets are 2.5x debt).


Financial Institutions Analysis

Asset Level: CAF's level of assets compared to its equity is low.

Allowance for Bad Loans: CAF has a low allowance for bad loans.

Low Risk Liabilities: CAF's liabilities are made up of primarily low risk sources of funding.

Loan Level: CAF has an acceptable proportion of non-loan assets held.

Low Risk Deposits: CAF's loans are broadly funded by customer deposits.

Level of Bad Loans: CAF has an appropriate level of bad loans (1.04%)

Dividend

What is Caisse Régionale de Crédit Agricole Mutuel de Paris et d'Ile-de-France's current dividend yield, its reliability and sustainability?

3.40%

Current Dividend Yield


Dividend Yield vs Market

company3.4%marketbottom25%1.5%markettop25%4.6%industryaverage5.9%forecastin3Yearsn/a

Current dividend yield vs market & industry

Notable Dividend: CAF's dividend (3.4%) is higher than the bottom 25% of dividend payers in the French market (1.54%).

High Dividend: CAF's dividend (3.4%) is low compared to the top 25% of dividend payers in the French market (4.58%).


Stability and Growth of Payments

Stable Dividend: Whilst dividend payments have been stable, CAF has been paying a dividend for less than 10 years.

Growing Dividend: CAF's dividend payments have increased, but the company has only paid a dividend for 8 years.


Current Payout to Shareholders

Dividend Coverage: With its reasonably low payout ratio (39.1%), CAF's dividend payments are well covered by earnings.


Future Payout to Shareholders

Future Dividend Coverage: Insufficient data to determine if a dividend will be paid in 3 years and that it will be covered by earnings.

Management

How experienced are the management team and are they aligned to shareholders interests?

6.9yrs

Average board tenure


CEO

Olivier-Eric Gavalda (56yo)

3.8yrs

Tenure

€406,916

Compensation

Mr. Olivier-Eric Alain Gavalda has been Chief Executive Officer at Caisse Régionale de Crédit Agricole Mutuel de Paris et d'Ile-de-France, SC since April 1, 2016. He has been the Chief Executive Officer of ...


CEO Compensation Analysis

Compensation vs Market: Olivier-Eric's total compensation ($USD442.01K) is below average for companies of similar size in the French market ($USD1.86M).

Compensation vs Earnings: Olivier-Eric's compensation has been consistent with company performance over the past year.


Board Members

NamePositionTenureCompensationOwnership
Denis Fumery
Director6.9yrsno datano data
Bénédicte Douriez
Vice President of the Board6.8yrsno datano data
Etienne de Magnitot
Chairman of the Board of Directors1.3yrs€9.20kno data
Jean-Louis Chambaud
Vice-Chairman of the Board0yrsno datano data
Michel Caffin
Vice President of the Board0yrsno datano data
Claude Rigault
Director7.6yrsno datano data
Thierry Fanost
Director0yrsno datano data
Céline Dourdan
Director0yrsno datano data
Christian Roveyaz
Director0yrsno datano data
Guillaume Vanthuyne
Vice Chairman of the Board0yrsno datano data

6.9yrs

Average Tenure

64yo

Average Age

Experienced Board: CAF's board of directors are considered experienced (6.9 years average tenure).


Ownership

Who are the major shareholders and have insiders been buying or selling?


Insider Trading Volume

Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.


Ownership Breakdown

Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.


Top Shareholders

Company Information

Caisse Régionale de Crédit Agricole Mutuel de Paris et d'Ile-de-France's company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Caisse Régionale de Crédit Agricole Mutuel de Paris et d'Ile-de-France
  • Ticker: CAF
  • Exchange: ENXTPA
  • Founded: 1901
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: €3.074b
  • Shares outstanding: 28.23m
  • Website: https://www.credit-agricole.fr/ca-paris

Number of Employees


Location

  • Caisse Régionale de Crédit Agricole Mutuel de Paris et d'Ile-de-France
  • 26 quai de la Râpée
  • Paris
  • Ile-de-France
  • 75012
  • France

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
CAFENXTPA (Euronext Paris)YesCo-Operative Investment CertificatesFREURJun 1992
0O2RLSE (London Stock Exchange)YesCo-Operative Investment CertificatesGBEURJun 1992
CAFPBATS-CHIXE (BATS 'Chi-X Europe')YesCo-Operative Investment CertificatesGBEURJun 1992

Biography

Caisse Régionale de Crédit Agricole Mutuel de Paris et d'Ile-de-France operates as a cooperative bank that provides a range of banking and insurance services to its members in France. It offers saving products; accounts and cards; borrowing products buying of vehicle and home; finance for study and work; and insurance products to protect home, vehicle, and health. The company serves companies, SMEs, farmers, artisans, associations, communities, families, and individuals. The company was founded in 1901 and is based in Paris, France. 


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2020/02/23 21:08
End of Day Share Price2020/02/21 00:00
Earnings2019/06/30
Annual Earnings2018/12/31


Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.