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1. Company Snapshot

1.a. Company Description

Caisse Régionale de Crédit Agricole Mutuel de Paris et d'Ile-de-France, a cooperative bank, provides various banking and insurance services to its members in France.The company offers saving products; accounts and cards; vehicle and home financing; finance for study and work; and insurance products to protect home, vehicle, and health.It serves companies, SMEs, farmers, artisans, associations, communities, families, and individuals.


The company is based in Paris, France.

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1.b. Last Insights on CAF

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1.c. Company Highlights

2. Transcript Summary

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4. Business Breakdown

4.a. Revenues by Country

4.b. Revenues by Segment

5. Expected revenues mid-term growth (4.50%)

6. Segments

Retail Banking

Expected Growth: 4.5%

The growth of retail banking services in Caisse Régionale de Crédit Agricole Mutuel de Paris et d'Ile-de-France is driven by increasing demand for digital banking, rising adoption of online payment systems, and growing need for personal financial management.

7. Detailed Products

Current Accounts

A range of current accounts designed for individuals and businesses, offering flexibility and convenience for daily banking needs.

Savings Accounts

A variety of savings accounts with competitive interest rates, designed to help customers achieve their long-term financial goals.

Credit Cards

A range of credit cards offering rewards, cashback, and travel insurance, designed for individuals and businesses.

Personal Loans

A range of personal loans with competitive interest rates, designed to help customers finance their personal projects and goals.

Mortgage Loans

A range of mortgage loans with competitive interest rates, designed to help customers achieve their dream of owning a home.

Insurance Products

A range of insurance products, including life insurance, health insurance, and home insurance, designed to protect customers' assets and well-being.

Investment Products

A range of investment products, including mutual funds, stocks, and bonds, designed to help customers grow their wealth.

Business Banking

A range of business banking services, including cash management, trade finance, and business loans, designed to support businesses' growth and development.

8. Caisse Régionale de Crédit Agricole Mutuel de Paris et d'Ile-de-France's Porter Forces

Forces Ranking

Threat Of Substitutes

The threat of substitutes for Caisse Régionale de Crédit Agricole Mutuel de Paris et d'Ile-de-France is medium due to the presence of alternative financial institutions and digital payment methods.

Bargaining Power Of Customers

The bargaining power of customers for Caisse Régionale de Crédit Agricole Mutuel de Paris et d'Ile-de-France is low due to the lack of negotiating power of individual customers.

Bargaining Power Of Suppliers

The bargaining power of suppliers for Caisse Régionale de Crédit Agricole Mutuel de Paris et d'Ile-de-France is medium due to the presence of multiple suppliers and the bank's ability to negotiate prices.

Threat Of New Entrants

The threat of new entrants for Caisse Régionale de Crédit Agricole Mutuel de Paris et d'Ile-de-France is low due to the high barriers to entry in the banking industry.

Intensity Of Rivalry

The intensity of rivalry for Caisse Régionale de Crédit Agricole Mutuel de Paris et d'Ile-de-France is high due to the presence of multiple competitors in the banking industry.

9. SWOT Analysis

10. Capital Structure

10.a. Balance Sheet

10.b. Weighted Average Cost of capital

Value
Debt Weight 79.75%
Debt Cost 3.95%
Equity Weight 20.25%
Equity Cost 6.27%
WACC 4.42%
Leverage 393.88%

11. Quality Control: Caisse Régionale de Crédit Agricole Mutuel de Paris et d'Ile-de-France passed 3 out of 9 key points

12.a Historical Valuation

12.b Price/Earnings Ratio

12.c Margin Valuation

12.d Peers Valuation

Peers Group Analysis

Stock-Card
SpareBank 1 Ringerike Hadeland

A-Score: 8.2/10

Value: 6.9

Growth: 8.4

Quality: 6.5

Yield: 9.4

Momentum: 9.0

Volatility: 9.0

1-Year Total Return ->

Stock-Card
Crédit Agricole Brie Picardie

A-Score: 7.1/10

Value: 10.0

Growth: 1.7

Quality: 6.5

Yield: 8.1

Momentum: 10.0

Volatility: 6.3

1-Year Total Return ->

Stock-Card
Crédit Agricole

A-Score: 6.7/10

Value: 9.1

Growth: 3.9

Quality: 6.1

Yield: 5.6

Momentum: 10.0

Volatility: 5.7

1-Year Total Return ->

Stock-Card
Aktia

A-Score: 6.7/10

Value: 4.8

Growth: 4.6

Quality: 4.9

Yield: 10.0

Momentum: 6.5

Volatility: 9.7

1-Year Total Return ->

Stock-Card
Walliser

A-Score: 6.3/10

Value: 4.1

Growth: 4.9

Quality: 4.9

Yield: 5.6

Momentum: 8.5

Volatility: 10.0

1-Year Total Return ->

Stock-Card
Nationwide

A-Score: 5.4/10

Value: 8.0

Growth: 5.7

Quality: 4.5

Yield: 0.0

Momentum: 4.0

Volatility: 10.0

1-Year Total Return ->

Peers Metrics

12.e Scoring Insights

12.f DCF BETA

Parameters

Short Term Growth

Short term Time

Long-Term Growth

WACC

Target Price

111.0$

Current Price

111$

Potential

-0.00%

Expected Cash-Flows