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

CAF · PA · Financial Services / Banks - Regional

96.03EUR+2.02 (+2.15%)

Price History

Full chart

Market Stats

Previous Close94.01

Open94.01

Day Range94.01 – 96.10

52-Week Range83.33 – 131.20

Volume804

Market Cap2.36B

P/E (TTM)9.09

Forward P/E6.73

EPS9.35

Dividend Yield3.05%

Beta0.38

50-Day Avg110.96

200-Day Avg115.40

About

Caisse Régionale de Crédit Agricole Mutuel de Paris et d'Ile-de-France provides various banking services in France, Other European Union countries, North America, South Africa, the Middle East, Asia and Oceania, and Japan. The company offers saving accounts, investment services, real estate, housing and consumer loans, and payment services. It also provides property, casualty, and life insurance. In addition, it offers leasing, factoring, and sale of new real estate. The company serves individuals, farmers, professionals, businesses, and local authorities. The company was founded in 1901 and is headquartered in Paris, France. Caisse Régionale de Crédit Agricole Mutuel de Paris et d'Ile-de-France is a subsidiary of Crédit Agricole S.A.

Company Details

SectorFinancial Services
IndustryBanks - Regional
CEOMr. Michel Ganzin
Employees3.96K
Headquarters26, Quai de la Rapée, Paris, France, 75012, France
Websitehttps://www.credit-agricole.fr/ca-paris/particulie

Leadership

Mr. Michel GanzinChief Executive Officer · b. 1967
Mr. Edouard EsparbesNon Executive Managing Director · b. 1944
Ms. Véronique Lozac'h-DiacquenodDirector of Finance & Collections
Martin LepeuDirector of Technology, Engagement & Credit
Mr. Guy PoyenDirector of Marketing & Markets
Mr. Nicolas BontempsDirector of Human Resources
Mr. Pierre-Édouard BatardDeputy General Manager

Financials

Income Statement

Currency: EUR	2009-12-31	2010-12-31	2011-12-31	2012-12-31	2013-12-31	2014-12-31	2015-12-31	2016-12-31	2017-12-31	2018-12-31	2019-12-31	2020-12-31	2021-12-31	2022-12-31	2023-12-31	2024-12-31	2025-12-31
Total Revenue	878.29M	931.67M	952.68M	1.06B	909.09M	936.60M	932.42M	916.12M	948.33M	969.07M	1.54B	1.45B	1.54B	1.62B	2.65B	2.98B	2.96B
Growth (%)	-	+6.08%	+2.25%	+11.13%	-14.13%	+3.03%	-0.45%	-1.75%	+3.52%	+2.19%	+59.02%	-6.07%	+6.07%	+5.59%	+63.23%	+12.58%	-0.59%
Cost of Revenue	-	-	-	-	0	0	0	0	0	0	-	352.45M	385.44M	444.99M	1.62B	2.03B	1.89B
Gross Profit	878.29M	931.67M	952.68M	1.06B	909.09M	936.60M	932.42M	916.12M	948.33M	969.07M	1.54B	889.53M	1.02B	1.07B	1.03B	951.50M	1.07B
Gross Margin	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	61.46%	66.62%	66.19%	38.96%	31.94%	36.26%
Operating Expense	-199.55M	-68.66M	-127.02M	37.28M	482.53M	497.89M	516.70M	538.33M	547.60M	579.88M	1.13B	532.85M	584.72M	613.65M	729.02M	719.15M	785.28M
Operating Income	1.08B	1.00B	1.08B	1.02B	426.57M	438.71M	415.72M	377.79M	400.73M	389.18M	415.46M	356.68M	438.09M	459.31M	301.97M	232.35M	288.51M
Operating Margin	122.72%	107.37%	113.33%	96.48%	46.92%	46.84%	44.59%	41.24%	42.26%	40.16%	26.96%	24.64%	28.54%	28.33%	11.41%	7.80%	9.74%
EBITDA	1.19B	531.95M	1.16B	1.05B	-6.48M	1.94M	3.69M	-348.00K	-15.55M	2.51M	200.00K	413.87M	524.07M	575.44M	409.32M	318.81M	331.40M
EBITDA Margin	135.00%	57.10%	121.49%	98.94%	-0.71%	0.21%	0.40%	-0.04%	-1.64%	0.26%	0.01%	28.59%	34.14%	35.50%	15.47%	10.70%	11.19%
Net Income	258.73M	292.80M	303.48M	259.87M	266.17M	287.30M	273.91M	250.12M	256.11M	280.36M	295.89M	211.84M	331.20M	369.77M	244.22M	191.88M	236.20M
Net Income Margin	29.46%	31.43%	31.86%	24.55%	29.28%	30.67%	29.38%	27.30%	27.01%	28.93%	19.20%	14.64%	21.57%	22.81%	9.23%	6.44%	7.98%
Interest Expense	692.36M	575.57M	632.00M	616.13M	516.23M	514.55M	1.29M	107.00K	170.00K	381.77M	412.03M	352.45M	365.10M	416.22M	1.57B	2.02B	1.79B
Interest Expense % of Total Revenue	78.83%	61.78%	66.34%	58.20%	56.78%	54.94%	0.14%	0.01%	0.02%	39.40%	26.74%	24.35%	23.78%	25.68%	59.31%	67.66%	60.43%

Balance Sheet

Currency: EUR	2009-12-31	2010-12-31	2011-12-31	2012-12-31	2013-12-31	2014-12-31	2015-12-31	2016-12-31	2017-12-31	2018-12-31	2019-12-31	2020-12-31	2021-12-31	2022-12-31	2023-12-31	2024-12-31	2025-12-31
Total Assets	30.95B	32.42B	33.47B	34.52B	34.91B	36.26B	37.55B	40.87B	45.84B	51.96B	57.76B	63.72B	69.55B	72.92B	72.41B	75.87B	79.15B
Total Liabilities	27.50B	28.75B	29.55B	30.40B	30.55B	31.64B	32.54B	35.63B	39.88B	45.92B	51.21B	57.25B	62.32B	65.56B	64.66B	67.67B	70.19B
Total Equity	3.44B	3.66B	3.91B	4.11B	4.36B	4.62B	5.01B	5.23B	5.95B	6.04B	6.54B	6.47B	7.23B	7.35B	7.75B	8.20B	8.95B
Cash	133.78M	104.95M	91.79M	202.32M	84.72M	90.59M	80.41M	500.15M	86.15M	2.05B	2.55B	4.81B	7.18B	4.89B	426.69M	205.29M	175.88M
Total Debt	16.33B	2.03B	18.24B	1.33B	690.28M	784.27M	18.43B	18.89B	22.63B	26.35B	28.96B	31.13B	34.55B	36.09B	30.56B	32.25B	31.89B
Net Debt	16.19B	1.92B	18.14B	1.12B	605.56M	693.68M	18.35B	18.39B	22.54B	24.30B	26.41B	26.32B	27.37B	31.19B	30.14B	-2.02B	31.72B

Cash Flow

Currency: EUR	2009-12-31	2010-12-31	2011-12-31	2012-12-31	2013-12-31	2014-12-31	2015-12-31	2016-12-31	2017-12-31	2018-12-31	2019-12-31	2020-12-31	2021-12-31	2022-12-31	2023-12-31	2024-12-31	2025-12-31
Operating Cash Flow	-25.95M	601.83M	-293.92M	-264.37M	1.22B	351.23M	-38.13M	2.03B	270.86M	1.02B	612.12M	2.13B	2.46B	-2.34B	-851.72M	-1.50B	449.29M
Investing Cash Flow	-46.78M	-26.07M	-23.50M	-19.20M	-18.36M	-57.49M	-75.10M	-1.44B	-33.28M	-45.85M	-24.16M	23.77M	-23.10M	-30.74M	-54.23M	-54.62M	-211.23M
Financing Cash Flow	-32.89M	-32.11M	-68.58M	-34.63M	-32.87M	-38.26M	115.86M	-36.09M	3.72M	24.60M	-53.59M	41.03M	-52.92M	74.68M	-122.01M	107.77M	6.54M
Capital Expenditure	21.63M	24.54M	19.16M	22.01M	18.84M	54.50M	63.25M	35.77M	36.93M	36.52M	14.79M	12.02M	4.26M	13.39M	24.45M	15.08M	28.34M
Free Cash Flow	-47.58M	577.29M	-313.07M	-286.38M	1.20B	296.73M	-101.38M	1.99B	233.93M	986.31M	597.33M	2.12B	2.45B	-2.35B	-876.17M	-1.52B	420.95M
Dividends Paid	30.88M	31.38M	33.07M	34.63M	32.87M	38.26M	35.59M	36.09M	44.89M	36.36M	44.50M	31.20M	18.38M	25.15M	29.83M	27.80M	13.07M
FCF to OCF	183.37%	95.92%	106.52%	108.33%	98.46%	84.48%	265.90%	98.23%	86.36%	96.43%	97.58%	99.44%	99.83%	100.57%	102.87%	101.00%	93.69%
Dividend Paid to FCF	-64.90%	5.43%	-10.56%	-12.09%	2.73%	12.89%	-35.10%	1.81%	19.19%	3.69%	7.45%	1.47%	0.75%	-1.07%	-3.40%	-1.83%	3.11%

Key Statistics & Ratios

Market Cap2.36B

Enterprise Value2.94B

Trailing P/E9.09

Forward P/E6.73

PEG Ratio4.67

Price / Sales2.34

Price / Book0.30

EPS9.35

Book Value332.32

Revenue (TTM)1.01B

Gross Profit (TTM)1.01B

Profit Margin25.70%

Operating Margin35.53%

Return on Equity2.93%

Return on Assets0.33%

Shares Outstanding7.92M

Shares Float7.90M

Beta0.38

Dividend Yield3.05%

Dividend Rate2.59

Payout Ratio27.71%

Dividends

20261×

2.59May 4, 2026

20251×

2.58Apr 30, 2025

20241×

2.93Apr 30, 2024

20231×

3.05Apr 28, 2023

20221×

3.20May 3, 2022

20211×

2.60May 3, 2021

20201×

3.70Apr 30, 2020

20191×

3.70May 2, 2019

20181×

3.70Apr 27, 2018

20171×

3.70May 2, 2017

20161×

3.70May 2, 2016

20151×

3.70Apr 29, 2015

20141×

3.40Apr 29, 2014

20131×

3.20Apr 29, 2013

20121×

3.20Apr 4, 2012

20111×

3.20Apr 6, 2011

20101×

2.71Apr 21, 2010

20091×

2.79Apr 20, 2009

20081×

3.12Apr 22, 2008

20071×

2.65Apr 18, 2007

20061×

2.65Apr 13, 2006

20051×

2.50Apr 15, 2005

20041×

3.30Apr 16, 2004

20031×

1.80Apr 14, 2003

Stock Splits

May 2, 20014:1