CR DE CREDIT AGRICOLE IDF (CAF.PA) Stock Fundamental Analysis
Europe - EPA:CAF - FR0000045528 - Common Stock
106.5 EUR
-3.06 (-2.79%)
We assign a fundamental rating of 1 out of 10 to CAF. CAF was compared to 95 industry peers in the Banks industry. CAF has a bad profitability rating. Also its financial health evaluation is rather negative. CAF is valued expensive and it does not seem to be growing.
1. Profitability
1.1 Basic Checks
CAF had positive earnings in the past year.
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.
1.2 Ratios
With a Return On Assets value of 0.28%, CAF is not doing good in the industry: 86.32% of the companies in the same industry are doing better.
The Return On Equity of CAF (2.49%) is worse than 87.37% of its industry peers.
| Industry Rank | Sector 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
1.3 Margins
CAF's Profit Margin of 18.81% is on the low side compared to the rest of the industry. CAF is outperformed by 66.32% of its industry peers.
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 Rank | Sector 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
2. Health
2.1 Basic Checks
CAF does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, CAF has less shares outstanding
CAF has less shares outstanding than it did 5 years ago.
The debt/assets ratio for CAF has been reduced compared to a year ago.
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's Debt to Equity ratio of 0.14 is amongst the best of the industry. CAF outperforms 89.47% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.14 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC5.79%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
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.
4. Valuation
4.1 Price/Earnings Ratio
CAF is valuated correctly with a Price/Earnings ratio of 13.94.
85.26% of the companies in the same industry are cheaper than CAF, based on the Price/Earnings ratio.
When comparing the Price/Earnings ratio of CAF to the average of the S&P500 Index (26.13), we can say CAF is valued slightly cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.94 | ||
| Fwd PE | N/A |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
CAF has a Yearly Dividend Yield of 2.44%.
Compared to an average industry Dividend Yield of 4.84, CAF's dividend is way lower than its industry peers. On top of this 85.26% 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 2.39.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.44% |
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
5.3 Sustainability
The Dividend Rate of CAF has been decling, while earnings will also be declining. This means the current dividend is most likely not sustainable.
DP0%
EPS Next 2YN/A
EPS Next 3YN/A
EPA:CAF (11/5/2025, 7:00:00 PM)
106.5
-3.06 (-2.79%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners2.41%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap856.26M
Revenue(TTM)1.13B
Net Income(TTM)212.35M
AnalystsN/A
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.44% |
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 Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.94 | ||
| Fwd PE | N/A | ||
| P/S | 0.76 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.1 | ||
| P/tB | 0.1 | ||
| EV/EBITDA | N/A |
EPS(TTM)7.64
EY7.17%
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
Graham Number427.39
Profitability
| Industry Rank | Sector 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
ROICexgc growth 3YN/A
ROICexgc 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 Rank | Sector 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
WACC5.79%
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
CR DE CREDIT AGRICOLE IDF / CAF.PA FAQ
What is the ChartMill fundamental rating of CR DE CREDIT AGRICOLE IDF (CAF.PA) stock?
ChartMill assigns a fundamental rating of 1 / 10 to CAF.PA.
What is the valuation status for CAF stock?
ChartMill assigns a valuation rating of 1 / 10 to CR DE CREDIT AGRICOLE IDF (CAF.PA). This can be considered as Overvalued.
Can you provide the profitability details for CR DE CREDIT AGRICOLE IDF?
CR DE CREDIT AGRICOLE IDF (CAF.PA) has a profitability rating of 1 / 10.
What are the PE and PB ratios of CR DE CREDIT AGRICOLE IDF (CAF.PA) stock?
The Price/Earnings (PE) ratio for CR DE CREDIT AGRICOLE IDF (CAF.PA) is 13.94 and the Price/Book (PB) ratio is 0.1.
Can you provide the dividend sustainability for CAF stock?
The dividend rating of CR DE CREDIT AGRICOLE IDF (CAF.PA) is 2 / 10 and the dividend payout ratio is 0%.