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

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

72  -0.25 (-0.35%)

Fundamental Rating

1

CAF gets a fundamental rating of 1 out of 10. The analysis compared the fundamentals against 97 industry peers in the Banks industry. CAF has a bad profitability rating. Also its financial health evaluation is rather negative. CAF has a expensive valuation and it also scores bad on growth.


Dividend Valuation Growth Profitability Health

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1

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.
In multiple years CAF reported negative operating cash flow during the last 5 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 2024 0 1B -1B 2B -2B

1.2 Ratios

Looking at the Return On Assets, with a value of 0.25%, CAF is doing worse than 87.50% of the companies in the same industry.
CAF has a worse Return On Equity (2.34%) than 86.46% of its industry peers.
Industry RankSector Rank
ROA 0.25%
ROE 2.34%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1 2 3 4 5

1.3 Margins

The Profit Margin of CAF (17.04%) is worse than 64.58% 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 RankSector Rank
OM N/A
PM (TTM) 17.04%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20 25

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3

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
CAF has a better debt/assets ratio than last year.
CAF.PA Yearly Shares OutstandingCAF.PA Yearly Shares OutstandingYearly Shares Outstanding 2015 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20B 40B 60B

2.2 Solvency

A Debt/Equity ratio of 0.12 indicates that CAF is not too dependend on debt financing.
CAF's Debt to Equity ratio of 0.12 is amongst the best of the industry. CAF outperforms 89.58% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.12
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC5.63%
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 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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0

3. Growth

3.1 Past

CAF shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -21.30%.
CAF shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -8.03% yearly.
The Revenue has decreased by -4.60% in the past year.
CAF shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -0.54% yearly.
EPS 1Y (TTM)-21.3%
EPS 3Y-16.42%
EPS 5Y-8.03%
EPS Q2Q%-34.72%
Revenue 1Y (TTM)-4.6%
Revenue growth 3Y-3.33%
Revenue growth 5Y-0.54%
Sales Q2Q%-3.35%

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 2024 200M 400M 600M 800M 1B

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4. Valuation

4.1 Price/Earnings Ratio

CAF is valuated reasonably with a Price/Earnings ratio of 10.43.
CAF's Price/Earnings ratio is a bit more expensive when compared to the industry. CAF is more expensive than 68.75% of the companies in the same industry.
CAF's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.35.
Industry RankSector Rank
PE 10.43
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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2

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 3.51%, CAF has a reasonable but not impressive dividend return.
CAF's Dividend Yield is slightly below the industry average, which is at 5.13.
CAF's Dividend Yield is a higher than the S&P500 average which is at 2.42.
Industry RankSector Rank
Dividend Yield 3.51%

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 2025 1 2 3

5.3 Sustainability

CAF's earnings and Dividend Rate are 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 2024 0 1B -1B 2B -2B

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CR DE CREDIT AGRICOLE IDF

EPA:CAF (6/20/2025, 7:00:00 PM)

72

-0.25 (-0.35%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-03 2025-02-03
Earnings (Next)07-02 2025-07-02
Inst Owners2.41%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap578.88M
AnalystsN/A
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 3.51%
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 10.43
Fwd PE N/A
P/S 0.51
P/FCF N/A
P/OCF N/A
P/B 0.07
P/tB 0.07
EV/EBITDA N/A
EPS(TTM)6.9
EY9.58%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)-188.68
FCFYN/A
OCF(TTM)-186.8
OCFYN/A
SpS140.03
BVpS1019.83
TBVpS1019.79
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.25%
ROE 2.34%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 17.04%
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
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 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 0.12
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 34.33%
Cap/Sales 1.34%
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
WACC5.63%
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)-21.3%
EPS 3Y-16.42%
EPS 5Y-8.03%
EPS Q2Q%-34.72%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-4.6%
Revenue growth 3Y-3.33%
Revenue growth 5Y-0.54%
Sales Q2Q%-3.35%
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-73.14%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-76.34%
OCF growth 3YN/A
OCF growth 5YN/A