CAF Fundamental Analysis - CR DE CREDIT AGRICOLE IDF

Fundamental Rating

Overall CAF gets a fundamental rating of 1 out of 10. We evaluated CAF against 102 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.

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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.

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

CAF has a worse Return On Assets (0.28%) than 86.27% of its industry peers.

Looking at the Return On Equity, with a value of 2.49%, CAF is doing worse than 86.27% 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

With a Profit Margin value of 18.81%, CAF is not doing good in the industry: 66.67% of the companies in the same industry are doing better.

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 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.

Compared to 1 year ago, CAF has less shares outstanding

The number of shares outstanding for CAF has been reduced compared to 5 years ago.

CAF has a better debt/assets ratio than last year.

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 Debt to Equity ratio of 0.14. This is amongst the best in the industry. CAF outperforms 89.22% of its industry peers.

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

ROIC/WACCN/A

WACC6.13%

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%.

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.

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

The Revenue has been decreasing by -0.54% on average over the past years.

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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Show best growing peers

4. Valuation

4.1 Price/Earnings Ratio

CAF is valuated correctly with a Price/Earnings ratio of 16.71.

Based on the Price/Earnings ratio, CAF is valued expensively inside the industry as 85.29% of the companies are valued cheaper.

CAF is valuated rather cheaply when we compare the Price/Earnings ratio to 26.60, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	16.71
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 2.03%. Purely for dividend investing, there may be better candidates out there.

Compared to an average industry Dividend Yield of 4.19, CAF's dividend is way lower than its industry peers. On top of this 84.31% 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 1.93.

		Industry Rank	Sector Rank
Dividend Yield	2.03%

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 (1/2/2026, 7:00:00 PM)

127.7

+0.7 (+0.55%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)07-31 2025-07-31

Earnings (Next)N/A N/A

Inst Owners2.39%

Inst Owner ChangeN/A

Ins OwnersN/A

Ins Owner ChangeN/A

Market Cap1.03B

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	2.03%

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	16.71
Fwd PE	N/A
P/S	0.91
P/FCF	N/A
P/OCF	N/A
P/B	0.12
P/tB	0.12
EV/EBITDA	N/A

EPS(TTM)7.64

EY5.98%

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

WACC6.13%

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.

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.

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.

Can you provide the financial health for CAF stock?

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

Is the dividend of CR DE CREDIT AGRICOLE IDF sustainable?

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?

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

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

Can you provide the financial health for CAF stock?

Is the dividend of CR DE CREDIT AGRICOLE IDF sustainable?