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

EPA:CAF - Euronext Paris - Matif - FR0000045528 - Common Stock - Currency: EUR

69.9  +1.34 (+1.95%)

Fundamental Rating

2

Overall CAF gets a fundamental rating of 2 out of 10. We evaluated CAF against 95 industry peers in the Banks industry. Both the profitability and financial health of CAF have multiple concerns. CAF does not seem to be growing, but still is valued expensively.


Dividend Valuation Growth Profitability Health

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2

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.
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.
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 0 1B -1B 2B -2B

1.2 Ratios

Looking at the Return On Assets, with a value of 0.32%, CAF is doing worse than 83.16% of the companies in the same industry.
CAF has a worse Return On Equity (2.92%) than 82.11% of its industry peers.
Industry RankSector Rank
ROA 0.32%
ROE 2.92%
ROIC N/A
ROA(3y)0.44%
ROA(5y)0.43%
ROE(3y)4.25%
ROE(5y)4.11%
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 1 2 3 4 5

1.3 Margins

CAF has a Profit Margin (20.24%) which is in line with 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) 20.24%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y3.05%
PM growth 5Y-3.16%
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 5 10 15 20 25

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2

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 remains at a similar level compared to 1 year ago.
CAF has less shares outstanding than it did 5 years ago.
Compared to 1 year ago, CAF has a worse debt to assets ratio.
CAF.PA Yearly Shares OutstandingCAF.PA Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 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 20B 40B 60B

2.2 Solvency

CAF has a Debt/Equity ratio of 0.15. This is a healthy value indicating a solid balance between debt and equity.
Looking at the Debt to Equity ratio, with a value of 0.15, CAF belongs to the top of the industry, outperforming 88.42% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.15
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC5.61%
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 0 2B -2B 4B 6B

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 500M 1B

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1

3. Growth

3.1 Past

CAF shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -15.93%.
CAF shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -2.41% yearly.
CAF shows a decrease in Revenue. In the last year, the revenue decreased by -9.29%.
The Revenue has been growing slightly by 0.45% on average over the past years.
EPS 1Y (TTM)-15.93%
EPS 3Y5.08%
EPS 5Y-2.41%
EPS Q2Q%-9.38%
Revenue 1Y (TTM)-9.29%
Revenue growth 3Y1.76%
Revenue growth 5Y0.45%
Sales Q2Q%-5.69%

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 200M 400M 600M 800M 1B

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2

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 8.39, which indicates a very decent valuation of CAF.
Based on the Price/Earnings ratio, CAF is valued a bit cheaper than the industry average as 70.53% of the companies are valued more expensively.
Compared to an average S&P500 Price/Earnings ratio of 24.21, CAF is valued rather cheaply.
Industry RankSector Rank
PE 8.39
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

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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3

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 3.97%, CAF has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 5.30, CAF is paying slightly less dividend.
CAF's Dividend Yield is rather good when compared to the S&P500 average which is at 2.44.
Industry RankSector Rank
Dividend Yield 3.97%

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 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 1B -1B 2B -2B

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CR DE CREDIT AGRICOLE IDF

EPA:CAF (5/9/2025, 7:00:00 PM)

69.9

+1.34 (+1.95%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-03 2025-02-03
Earnings (Next)07-02 2025-07-02
Inst Owners2.49%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap567.59M
AnalystsN/A
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 3.97%
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 8.39
Fwd PE N/A
P/S 0.5
P/FCF N/A
P/OCF N/A
P/B 0.07
P/tB 0.07
EV/EBITDA N/A
EPS(TTM)8.33
EY11.92%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)-87.73
FCFYN/A
OCF(TTM)-84.97
OCFYN/A
SpS140.93
BVpS978.22
TBVpS978.18
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.32%
ROE 2.92%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 20.24%
GM N/A
FCFM N/A
ROA(3y)0.44%
ROA(5y)0.43%
ROE(3y)4.25%
ROE(5y)4.11%
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 3Y3.05%
PM growth 5Y-3.16%
GM growth 3YN/A
GM growth 5YN/A
F-Score3
Asset Turnover0.02
Health
Industry RankSector Rank
Debt/Equity 0.15
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 49.02%
Cap/Sales 1.95%
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
WACC5.61%
ROIC/WACCN/A
Cap/Depr(3y)29.26%
Cap/Depr(5y)28.86%
Cap/Sales(3y)1.14%
Cap/Sales(5y)1.15%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-15.93%
EPS 3Y5.08%
EPS 5Y-2.41%
EPS Q2Q%-9.38%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-9.29%
Revenue growth 3Y1.76%
Revenue growth 5Y0.45%
Sales Q2Q%-5.69%
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 1Y-102.38%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-98.45%
OCF growth 3YN/A
OCF growth 5YN/A