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

EPA:CAF • FR0000045528

Current stock price

116 EUR
+3.4 (+3.02%)
Last:

This CAF.PA fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

1

1. CAF.PA Profitability Analysis

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.
  • CAF had positive earnings in each of the past 5 years.
  • 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 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 91.09% of its industry peers.
  • CAF's Return On Equity of 2.49% is on the low side compared to the rest of the industry. CAF is outperformed by 90.10% 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 1 2 3 4 5

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 67.33% of its industry peers.
  • In the last couple of years the Profit Margin of CAF has declined.
  • CAF does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20 25

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3

2. CAF.PA Health Analysis

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.
  • CAF has a better debt/assets ratio than last year.
CAF.PA Yearly Shares OutstandingCAF.PA Yearly Shares OutstandingYearly Shares Outstanding 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 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.
  • Looking at the Debt to Equity ratio, with a value of 0.14, CAF belongs to the top of the industry, outperforming 87.13% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.14
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC6.02%
CAF.PA Yearly LT Debt VS Equity VS FCFCAF.PA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 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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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

0

3. CAF.PA Growth Analysis

3.1 Past

  • The earnings per share for CAF have decreased by -8.51% in the last year.
  • CAF shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -8.04% yearly.
  • Looking at the last year, CAF shows a decrease in Revenue. The Revenue has decreased by -1.36% in the last year.
  • CAF shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -0.54% yearly.
EPS 1Y (TTM)-8.51%
EPS 3Y-16.5%
EPS 5Y-8.04%
EPS Q2Q%17.34%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M 1B

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1

4. CAF.PA Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 15.20, the valuation of CAF can be described as correct.
  • CAF's Price/Earnings ratio is rather expensive when compared to the industry. CAF is more expensive than 86.14% of the companies in the same industry.
  • CAF's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 27.42.
Industry RankSector Rank
PE 15.2
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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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

2

5. CAF.PA Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 2.30%, CAF has a reasonable but not impressive dividend return.
  • Compared to an average industry Dividend Yield of 4.48, CAF's dividend is way lower than its industry peers. On top of this 84.16% of the companies listed in the same industry pay a better dividend than CAF!
  • Compared to an average S&P500 Dividend Yield of 1.81, CAF pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 2.3%

5.2 History

  • The dividend of CAF decreases each year by -6.24%.
Dividend Growth(5Y)-6.24%
Div Incr Years1
Div Non Decr Years1
CAF.PA Yearly Dividends per shareCAF.PA Yearly Dividends per shareYearly Dividends per share 2019 2020 2021 2022 2023 2024 2025 2026 1 2 3

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
CAF.PA Yearly Income VS Free CF VS DividendCAF.PA Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 1B -1B 2B -2B

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CAF.PA Fundamentals: All Metrics, Ratios and Statistics

CR DE CREDIT AGRICOLE IDF

EPA:CAF (4/27/2026, 5:27:54 PM)

116

+3.4 (+3.02%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-05
Earnings (Next)N/A
Inst Owners2.22%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap932.64M
Revenue(TTM)1.13B
Net Income(TTM)212.35M
AnalystsN/A
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 2.3%
Yearly DividendN/A
Dividend Growth(5Y)-6.24%
DP0%
Div Incr Years1
Div Non Decr Years1
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 15.2
Fwd PE N/A
P/S 0.83
P/FCF N/A
P/OCF N/A
P/B 0.11
P/tB 0.11
EV/EBITDA N/A
EPS(TTM)7.63
EY6.58%
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 Number427.112 (268.2%)
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
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 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
WACC6.02%
ROIC/WACCN/A
Cap/Depr(3y)37.84%
Cap/Depr(5y)29.14%
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)-8.51%
EPS 3Y-16.5%
EPS 5Y-8.04%
EPS Q2Q%17.34%
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 Fundamental Analysis 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.


Can you provide the valuation status for CR DE CREDIT AGRICOLE IDF?

ChartMill assigns a valuation rating of 1 / 10 to CR DE CREDIT AGRICOLE IDF (CAF.PA). This can be considered as Overvalued.


What is the profitability of CAF stock?

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 15.2 and the Price/Book (PB) ratio is 0.11.


How financially healthy is CR DE CREDIT AGRICOLE IDF?

The financial health rating of CR DE CREDIT AGRICOLE IDF (CAF.PA) is 3 / 10.