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CR DE CREDIT AGRICOLE IDF (CAF.PA) Stock Fundamental Analysis

EPA:CAF - FR0000045528 - Common Stock

91.09 EUR
-6.43 (-6.59%)
Last: 9/2/2025, 3:27:00 PM
Fundamental Rating

1

Taking everything into account, CAF scores 1 out of 10 in our fundamental rating. CAF was compared to 96 industry peers in the Banks industry. CAF may be in some trouble as it scores bad on both profitability and health. CAF has a expensive valuation and it also scores bad on growth.


Dividend Valuation Growth Profitability Health

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1

1. Profitability

1.1 Basic Checks

In the past year CAF was profitable.
In the past year CAF has reported a negative cash flow from operations.
In the past 5 years CAF has always been profitable.
The reported operating cash flow has been mixed in the past 5 years: CAF reported negative operating cash flow in multiple years.
CAF.PA Yearly Net Income VS EBIT VS OCF VS FCFCAF.PA Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 1B -1B 2B -2B

1.2 Ratios

CAF has a worse Return On Assets (0.28%) than 82.29% of its industry peers.
CAF has a Return On Equity of 2.49%. This is amonst the worse of the industry: CAF underperforms 86.46% of its industry peers.
Industry RankSector Rank
ROA 0.28%
ROE 2.49%
ROIC N/A
ROA(3y)0.37%
ROA(5y)0.38%
ROE(3y)3.51%
ROE(5y)3.67%
ROIC(3y)N/A
ROIC(5y)N/A
CAF.PA Yearly ROA, ROE, ROICCAF.PA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1 2 3 4 5

1.3 Margins

With a Profit Margin value of 18.81%, CAF is not doing good in the industry: 60.42% of the companies in the same industry are doing better.
In the last couple of years the Profit Margin of CAF has declined.
The Operating Margin and Gross Margin are not available for CAF so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 18.81%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-13.77%
PM growth 5Y-7.8%
GM growth 3YN/A
GM growth 5YN/A
CAF.PA Yearly Profit, Operating, Gross MarginsCAF.PA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20 25

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3

2. Health

2.1 Basic Checks

CAF does not have a ROIC to compare to the WACC, probably because it is not profitable.
CAF has less shares outstanding than it did 1 year ago.
Compared to 5 years ago, CAF has less shares outstanding
CAF has a better debt/assets ratio than last year.
CAF.PA Yearly Shares OutstandingCAF.PA Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M 20M 25M
CAF.PA Yearly Total Debt VS Total AssetsCAF.PA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20B 40B 60B

2.2 Solvency

CAF has a Debt/Equity ratio of 0.14. This is a healthy value indicating a solid balance between debt and equity.
CAF has a better Debt to Equity ratio (0.14) than 88.54% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.14
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC5.6%
CAF.PA Yearly LT Debt VS Equity VS FCFCAF.PA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2B -2B 4B 6B 8B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
CAF.PA Yearly Current Assets VS Current LiabilitesCAF.PA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B

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0

3. Growth

3.1 Past

CAF shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -8.36%.
Measured over the past years, CAF shows a decrease in Earnings Per Share. The EPS has been decreasing by -8.03% on average per year.
Looking at the last year, CAF shows a decrease in Revenue. The Revenue has decreased by -1.36% in the last year.
Measured over the past years, CAF shows a decrease in Revenue. The Revenue has been decreasing by -0.54% on average per year.
EPS 1Y (TTM)-8.36%
EPS 3Y-16.42%
EPS 5Y-8.03%
EPS Q2Q%17.5%
Revenue 1Y (TTM)-1.36%
Revenue growth 3Y-3.33%
Revenue growth 5Y-0.54%
Sales Q2Q%0.49%

3.2 Future

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
CAF.PA Yearly Revenue VS EstimatesCAF.PA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M 1B

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1

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 11.92, the valuation of CAF can be described as reasonable.
CAF's Price/Earnings ratio is a bit more expensive when compared to the industry. CAF is more expensive than 73.96% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 27.13. CAF is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 11.92
Fwd PE N/A
CAF.PA Price Earnings VS Forward Price EarningsCAF.PA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
CAF.PA Per share dataCAF.PA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 200 400 600 800 1K

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A

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2

5. Dividend

5.1 Amount

CAF has a Yearly Dividend Yield of 2.57%. Purely for dividend investing, there may be better candidates out there.
With a Dividend Yield of 2.57, CAF pays less dividend than the industry average, which is at 5.01. 82.29% of the companies listed in the same industry pay a better dividend than CAF!
CAF's Dividend Yield is comparable with the S&P500 average which is at 2.32.
Industry RankSector Rank
Dividend Yield 2.57%

5.2 History

The dividend of CAF decreases each year by -6.24%.
Dividend Growth(5Y)-6.24%
Div Incr Years0
Div Non Decr Years0
CAF.PA Yearly Dividends per shareCAF.PA Yearly Dividends per shareYearly Dividends per share 2019 2020 2021 2022 2023 2024 2025 1 2 3

5.3 Sustainability

CAF's earnings and Dividend Rate are declining. This means the current dividend is most likely not sustainable.
DP0%
EPS Next 2YN/A
EPS Next 3YN/A
CAF.PA Yearly Income VS Free CF VS DividendCAF.PA Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 1B -1B 2B -2B

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CR DE CREDIT AGRICOLE IDF

EPA:CAF (9/2/2025, 3:27:00 PM)

91.09

-6.43 (-6.59%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-31 2025-07-31
Earnings (Next)N/A N/A
Inst Owners2.41%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap732.36M
AnalystsN/A
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 2.57%
Yearly DividendN/A
Dividend Growth(5Y)-6.24%
DP0%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 11.92
Fwd PE N/A
P/S 0.65
P/FCF N/A
P/OCF N/A
P/B 0.09
P/tB 0.09
EV/EBITDA N/A
EPS(TTM)7.64
EY8.39%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)-15.7
FCFYN/A
OCF(TTM)-13.06
OCFYN/A
SpS140.4
BVpS1062.61
TBVpS1062.58
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.28%
ROE 2.49%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 18.81%
GM N/A
FCFM N/A
ROA(3y)0.37%
ROA(5y)0.38%
ROE(3y)3.51%
ROE(5y)3.67%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-13.77%
PM growth 5Y-7.8%
GM growth 3YN/A
GM growth 5YN/A
F-Score3
Asset Turnover0.01
Health
Industry RankSector Rank
Debt/Equity 0.14
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 48.76%
Cap/Sales 1.88%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score3
WACC5.6%
ROIC/WACCN/A
Cap/Depr(3y)37.84%
Cap/Depr(5y)29.15%
Cap/Sales(3y)1.47%
Cap/Sales(5y)1.16%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-8.36%
EPS 3Y-16.42%
EPS 5Y-8.03%
EPS Q2Q%17.5%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-1.36%
Revenue growth 3Y-3.33%
Revenue growth 5Y-0.54%
Sales Q2Q%0.49%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y97.45%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y97.87%
OCF growth 3YN/A
OCF growth 5YN/A