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

CAF.PA

Banks - Regional · Financial Services

Exchange

Euronext Paris

Winston Score

Winston is serious

Below-average fundamentals — multiple weak pillars.

Data as of Aug 23, 2026 · filings through Jun 30, 2026

How the score breaks down

Growth

Mixed

Valuation

Good

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Winston Score History

The full picture

Caisse Régionale de Crédit Agricole Mutuel de Paris et d'Ile-de-France is a regional cooperative bank serving individuals, families, and businesses in the Paris region and surrounding Ile-de-France area. It offers everyday banking services like checking accounts, savings products, home loans, insurance, and business financing. It operates as part of the larger Crédit Agricole group, one of the biggest banking networks in France.

The bank earns money primarily through interest on loans, fees for banking services, and insurance products sold to its customers. It operates exclusively in the Ile-de-France region, which is France's wealthiest and most populated area, giving it a stable and affluent customer base. Its cooperative structure and deep local roots provide some loyalty advantage over national competitors, but the low ROIC and thin operating margin suggest profitability is under pressure, and rising interest rate sensitivity or a slowdown in the regional property market remain key risks to watch.

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+11.0% YoY

YoY Growth Rate

Steady revenue growth

EPS Growth

+17.4% YoY

YoY Growth Rate

Steady EPS growth

Insider Activity

80.0%ownership

↑ Rising

Insiders increasing their stake — aligned with shareholders

Cash Position

Cash flow positive

€78.4B cash & investments

Quarterly Free Cash Flow

↓ Burn rate worsening

Company generates more cash than it spends — no dilution risk from fundraising

Growth + cash flow

Caisse Régionale de Crédit Agricole Mutuel de Paris et d'Ile-de-France is a rare growth stock that's already generating positive cash flow while growing at 11%. The Winston Score doesn't fully credit this transition from "burner" to "earner."

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

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Bank Quality

Not applicable for this business.

Growth

Sales growth

Sales YoY

-0.3%

Shrinking sales (-0.3% YoY)

Profit growth

EPS YoY

+22.4%

Earnings growing fast (+22.4% YoY)

Healthy double-digit earnings growth — what compounders look like.

How steady the profit is

EPS Consistency

3/8 quarters

Earnings rarely grow — volatile business

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Capital Strength

Not applicable for this business.

Asset Quality

Not applicable for this business.

Valuation

Price vs profit

P/E Ratio (TTM)

12.3x

no trend

Attractive valuation — P/E 12.3

P/E in the normal range. Price is roughly $15 for every $1 of yearly profit.

Cheaper or dearer next year

P/E vs Forward

N/A

not available

Data not available

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Dividends

Not applicable for this business.

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