Caisse Regionale de Credit Agricole Mutuel de Paris et d'Ile-de-France (LTS:0O2R) Intrinsic Value: DCF (FCF Based): €112.35 (As of Jul. 14, 2026) — 38641% Above Median

Caisse Regionale de Credit Agricole Mutuel de Paris et d'Ile-de-France  (LTS:0O2R) Intrinsic Value: DCF (FCF Based) Explanation

Unlike valuation methods such as Net Current Asset Value, Tangible Book per Share, Graham Number, Median PS Value etc, discounted Cash Flow model evaluates the companies based on their future earnings power instead of their assets.

Be Aware

What you need to know about the DCF model:

You can screen for stocks that trade below their Intrinsic Value: DCF (FCF Based) and Intrinsic Value: DCF (Earnings Based) with the GuruFocus All-in-One Screener. Companies with a high Predictability Rank that trade at a discount to their Intrinsic Value: DCF (FCF Based) and Intrinsic Value: DCF (Earnings Based) can be found in the screen of Undervalued Predictable Companies.

Caisse Regionale de Credit Agricole Mutuel de Paris et d'Ile-de-France Intrinsic Value: DCF (FCF Based) Related Terms

The historical data trend for Caisse Regionale de Credit Agricole Mutuel de Paris et d'Ile-de-France's Intrinsic Value: DCF (FCF Based) can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Caisse Regionale de Credit Agricole Mutuel de Paris et d'Ile-de-France Intrinsic Value: DCF (FCF Based) Chart

Caisse Regionale de Credit Agricole Mutuel de Paris et d'Ile-de-France Annual Data
	Trend	Dec16	Dec17	Dec18	Dec19	Dec20	Dec21	Dec22	Dec23	Dec24	Dec25
Intrinsic Value: DCF (FCF Based)		Get a 7-Day Free Trial					0.00	-1,174.97	-448.36	0.00	0.00

Caisse Regionale de Credit Agricole Mutuel de Paris et d'Ile-de-France Semi-Annual Data
	Jun16	Dec16	Jun17	Dec17	Jun18	Dec18	Jun19	Dec19	Jun20	Dec20	Jun21	Dec21	Jun22	Dec22	Jun23	Dec23	Jun24	Dec24	Jun25	Dec25
Intrinsic Value: DCF (FCF Based)	Get a 7-Day Free Trial															-448.36	0.00	0.00	0.00	0.00

Caisse Regionale de Credit Agricole Mutuel de Paris et d'Ile-de-France Intrinsic Value: DCF (FCF Based) Competitor Comparison

For the Banks - Regional subindustry, Caisse Regionale de Credit Agricole Mutuel de Paris et d'Ile-de-France's Price-to-DCF (FCF Based), along with its competitors' market caps and Price-to-DCF (FCF Based) data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Caisse Regionale de Credit Agricole Mutuel de Paris et d'Ile-de-France Price-to-DCF (FCF Based) vs Banks Industry

For the Banks industry and Financial Services sector, Caisse Regionale de Credit Agricole Mutuel de Paris et d'Ile-de-France's Price-to-DCF (FCF Based) distribution charts can be found below:

* The bar in red indicates where Caisse Regionale de Credit Agricole Mutuel de Paris et d'Ile-de-France's Price-to-DCF (FCF Based) falls into.

Caisse Regionale de Credit Agricole Mutuel de Paris et d'Ile-de-France Intrinsic Value: DCF (FCF Based) Calculation

This is the intrinsic value calculated from the Discounted Cash Flow model with default parameters. In a discounted cash flow model, the future cash flow is estimated based on a cash flow growth rate and a discount rate. The cash flow of the future is discounted to its current value at the discount rate. All of the discounted future cash flow is added together to get the current intrinsic value of the company.

Usually a two-stage model is used when calculating a stock's intrinsic value using a discounted cash flow model. The first stage is called the growth stage; the second is called the terminal stage. In the growth stage the company grows at a faster rate. Because it cannot grow at that rate forever, a lower rate is used for the terminal stage.

GuruFocus DCF calculator is a two-stage model. The default values are defined as:

1. Discount Rate: d = 10%
A reasonable discount rate assumption should be at least the long term average return of the stock market, which can be estimated from risk free rate plus risk premium of stock market. GuruFocus uses 10-Year Treasury Constant Maturity Rate as the risk-free rate and rounded up to the nearest integer. It is updated daily. The current risk-free rate is 3.74%. Please go to Economic Indicators page for more information. Please note that we use the 10-Year Treasury Constant Maturity Rate of the country/region where the company is headquartered. If the data for that country/region is not available, then we will use the 10-Year Treasury Constant Maturity Rate of the United States as default. Then we added a risk premium of 6% to get the estimated discount rate. Some investors use their expected rate of return, which is also reasonable. A typical discount rate can be anywhere between 6% - 20%.

2. Growth Rate in the growth stage: g1 = 5%
The Growth Rate in the growth stage is initially set as the default 10-Year FCF Growth Rate (Per Share). In cases where the 10-year growth rate is unavailable, it defaults to using the 5-Year FCF Growth Rate (Per Share). If both the 10-year and 5-year growth rates are unavailable, the system defaults to the 3-Year FCF Growth Rate (Per Share).
However, it's important to note that there is a growth rate range. If the calculated growth rate exceeds 20%, it will be capped at 20%. Conversely, if the calculated growth rate falls below 5%, it will be adjusted to 5% to maintain a reasonable range.
=> Caisse Regionale de Credit Agricole Mutuel de Paris et d'Ile-de-France's average Free Cash Flow Growth Rate in the past 3 years was 0.00%, which is less than 5%. GuruFocus defaults => Growth Rate: 5%

3. Years of Growth Stage: y1 = 10

4. Terminal Growth Rate: g2 = 4%

5. Years of Terminal Growth: y2 = 10

6. Free Cash Flow per Share: fcf = €8.999.
However, GuruFocus DCF calculator is actually a Discounted Earnings calculator, the EPS without NRI is used as the default. The reason we are doing this is we found that historically stock prices are more correlated with earnings than free cash flow.

All of the default settings can be changed and the results are calculated automatically.

Caisse Regionale de Credit Agricole Mutuel de Paris et d'Ile-de-France's Intrinsic Value: DCF (FCF Based) for today is calculated as

set x = (1+g1)/(1+d) = (1+0.05)/(1+0.1) = 0.95454545454545
and y = (1+g2)/(1+d) = (1+0.04)/(1+0.1) = 0.94545454545455

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Caisse Regionale de Credit Agricole Mutuel de Paris et d'Ile-de-France Business Description