CAF Fundamental Analysis - CR DE CREDIT AGRICOLE IDF

Fundamental Rating

Taking everything into account, CAF scores 1 out of 10 in our fundamental rating. CAF was compared to 108 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.

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1. Profitability

1.1 Basic Checks

In the past year CAF was profitable.

CAF had a negative operating cash flow in the past year.

Each year in the past 5 years CAF has 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

CAF has a Return On Assets of 0.28%. This is amonst the worse of the industry: CAF underperforms 86.11% of its industry peers.

Looking at the Return On Equity, with a value of 2.49%, CAF is doing worse than 87.04% of the companies in the same industry.

		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

The Profit Margin of CAF (18.81%) is worse than 66.67% of its industry peers.

CAF's Profit Margin has declined in the last couple of years.

CAF does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.

		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

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

CAF does not have a ROIC to compare to the WACC, probably because it is not profitable.

The number of shares outstanding for CAF has been reduced compared to 1 year ago.

Compared to 5 years ago, CAF has less shares outstanding

The debt/assets ratio for CAF has been reduced compared to a year ago.

2.2 Solvency

A Debt/Equity ratio of 0.14 indicates that CAF is not too dependend on debt financing.

The Debt to Equity ratio of CAF (0.14) is better than 90.74% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.14
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC5.87%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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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%.

CAF shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -8.03% yearly.

CAF shows a decrease in Revenue. In the last year, the revenue decreased by -1.36%.

CAF shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -0.54% yearly.

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.

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4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 14.46 indicates a correct valuation of CAF.

Based on the Price/Earnings ratio, CAF is valued expensively inside the industry as 84.26% of the companies are valued cheaper.

Compared to an average S&P500 Price/Earnings ratio of 26.15, CAF is valued a bit cheaper.

		Industry Rank	Sector Rank
PE	14.46
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

More info and screens

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5. Dividend

5.1 Amount

CAF has a Yearly Dividend Yield of 2.49%.

CAF's Dividend Yield is slightly below the industry average, which is at 4.85.

Compared to an average S&P500 Dividend Yield of 2.41, CAF has a dividend comparable with the average S&P500 company.

		Industry Rank	Sector Rank
Dividend Yield	2.49%

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

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CR DE CREDIT AGRICOLE IDF

EPA:CAF (11/27/2025, 7:00:00 PM)

110.5

-0.08 (-0.07%)

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 Cap888.42M

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	2.49%

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	14.46
Fwd PE	N/A
P/S	0.79
P/FCF	N/A
P/OCF	N/A
P/B	0.1
P/tB	0.1
EV/EBITDA	N/A

EPS(TTM)7.64

EY6.91%

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

WACC5.87%

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 14.46 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%.

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

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens

CR DE CREDIT AGRICOLE IDF / CAF.PA FAQ

What is the ChartMill fundamental rating of CR DE CREDIT AGRICOLE IDF (CAF.PA) stock?

What is the valuation status for CAF stock?

Can you provide the profitability details for CR DE CREDIT AGRICOLE IDF?

What are the PE and PB ratios of CR DE CREDIT AGRICOLE IDF (CAF.PA) stock?

Can you provide the dividend sustainability for CAF stock?