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

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

77.1  +0.4 (+0.52%)

Fundamental Rating

2

CAF gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 93 industry peers in the Banks industry. CAF may be in some trouble as it scores bad on both profitability and health. 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

In the past year CAF was profitable.
In the past year CAF has reported a negative cash flow from operations.
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 0 1B -1B 2B -2B

1.2 Ratios

CAF has a Return On Assets of 0.32%. This is amonst the worse of the industry: CAF underperforms 83.87% of its industry peers.
CAF has a worse Return On Equity (2.92%) than 81.72% 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 comparable to the rest of the industry.
CAF's Profit Margin has declined in the last couple of years.
The Operating Margin and Gross Margin are not available for CAF so they could not be analyzed.
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.
Compared to 5 years ago, CAF has less shares outstanding
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

A Debt/Equity ratio of 0.15 indicates that CAF is not too dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.15, CAF belongs to the top of the industry, outperforming 88.17% 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
WACC5.55%
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

The earnings per share for CAF have decreased strongly by -15.93% in the last year.
The Earnings Per Share has been decreasing by -2.41% on average over the past years.
CAF shows a decrease in Revenue. In the last year, the revenue decreased by -9.29%.
CAF shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 0.45% yearly.
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
CAF.PA Yearly EPS VS EstimatesCAF.PA Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023

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4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 9.26, the valuation of CAF can be described as reasonable.
CAF's Price/Earnings is on the same level as the industry average.
The average S&P500 Price/Earnings ratio is at 29.35. CAF is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 9.26
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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5. Dividend

5.1 Amount

CAF has a Yearly Dividend Yield of 3.36%.
CAF's Dividend Yield is slightly below the industry average, which is at 5.02.
CAF's Dividend Yield is a higher than the S&P500 average which is at 2.33.
Industry RankSector Rank
Dividend Yield 3.36%

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 (3/7/2025, 7:00:00 PM)

77.1

+0.4 (+0.52%)

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 Cap626.05M
AnalystsN/A
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 3.36%
Yearly Dividend1.18
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 9.26
Fwd PE N/A
P/S 0.55
P/FCF N/A
P/OCF N/A
P/B 0.08
P/tB 0.08
EV/EBITDA N/A
EPS(TTM)8.33
EY10.8%
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
WACC5.55%
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