CREDIT AGRICOLE SA (1ACA.MI) Stock Fundamental Analysis
Europe - Euronext Milan - BIT:1ACA - FR0000045072 - Common Stock
17.59 EUR
+0.08 (+0.46%)
1ACA gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 114 industry peers in the Banks industry. 1ACA has a bad profitability rating. Also its financial health evaluation is rather negative. 1ACA has a correct valuation and a medium growth rate. 1ACA also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
1ACA had positive earnings in the past year.
In the past year 1ACA has reported a negative cash flow from operations.
In the past 5 years 1ACA has always been profitable.
The reported operating cash flow has been mixed in the past 5 years: 1ACA reported negative operating cash flow in multiple years.
1.2 Ratios
1ACA's Return On Assets of 0.46% is on the low side compared to the rest of the industry. 1ACA is outperformed by 73.68% of its industry peers.
With a decent Return On Equity value of 14.18%, 1ACA is doing good in the industry, outperforming 75.44% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.46% | ||
| ROE | 14.18% | ||
| ROIC | N/A |
ROA(3y)0.26%
ROA(5y)0.23%
ROE(3y)8.05%
ROE(5y)7.15%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
With a Profit Margin value of 14.28%, 1ACA is not doing good in the industry: 78.07% of the companies in the same industry are doing better.
In the last couple of years the Profit Margin of 1ACA has grown nicely.
The Operating Margin and Gross Margin are not available for 1ACA so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 14.28% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y17.65%
PM growth 5Y16.08%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
1ACA does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for 1ACA remains at a similar level compared to 1 year ago.
1ACA has more shares outstanding than it did 5 years ago.
Compared to 1 year ago, 1ACA has a worse debt to assets ratio.
2.2 Solvency
A Debt/Equity ratio of 4.26 is on the high side and indicates that 1ACA has dependencies on debt financing.
1ACA has a worse Debt to Equity ratio (4.26) than 81.58% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.26 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC5.76%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 21.66% over the past year.
1ACA shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 8.99% yearly.
Looking at the last year, 1ACA shows a small growth in Revenue. The Revenue has grown by 8.00% in the last year.
Measured over the past years, 1ACA shows a decrease in Revenue. The Revenue has been decreasing by -6.66% on average per year.
EPS 1Y (TTM)21.66%
EPS 3Y8.15%
EPS 5Y8.99%
EPS Q2Q%3.92%
Revenue 1Y (TTM)8%
Revenue growth 3Y-10.74%
Revenue growth 5Y-6.66%
Sales Q2Q%5.64%
3.2 Future
1ACA is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 4.72% yearly.
1ACA is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.16% yearly.
EPS Next Y4.18%
EPS Next 2Y4.18%
EPS Next 3Y4.79%
EPS Next 5Y4.72%
Revenue Next Year3.95%
Revenue Next 2Y2.88%
Revenue Next 3Y3.07%
Revenue Next 5Y3.16%
3.3 Evolution
The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
1ACA is valuated cheaply with a Price/Earnings ratio of 7.42.
Based on the Price/Earnings ratio, 1ACA is valued cheaply inside the industry as 92.98% of the companies are valued more expensively.
1ACA is valuated cheaply when we compare the Price/Earnings ratio to 26.87, which is the current average of the S&P500 Index.
Based on the Price/Forward Earnings ratio of 7.58, the valuation of 1ACA can be described as very cheap.
Based on the Price/Forward Earnings ratio, 1ACA is valued cheaply inside the industry as 93.86% of the companies are valued more expensively.
1ACA's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.46.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.42 | ||
| Fwd PE | 7.58 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.78
PEG (5Y)0.83
EPS Next 2Y4.18%
EPS Next 3Y4.79%
5. Dividend
5.1 Amount
1ACA has a Yearly Dividend Yield of 6.27%, which is a nice return.
1ACA's Dividend Yield is rather good when compared to the industry average which is at 3.98. 1ACA pays more dividend than 84.21% of the companies in the same industry.
1ACA's Dividend Yield is rather good when compared to the S&P500 average which is at 1.94.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.27% |
5.2 History
On average, the dividend of 1ACA grows each year by 73.80%, which is quite nice.
Dividend Growth(5Y)73.8%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
The dividend of 1ACA is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP0%
EPS Next 2Y4.18%
EPS Next 3Y4.79%
BIT:1ACA (1/2/2026, 7:00:00 PM)
17.59
+0.08 (+0.46%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners8.65%
Inst Owner ChangeN/A
Ins Owners0%
Ins Owner ChangeN/A
Market Cap53.23B
Revenue(TTM)57.18B
Net Income(TTM)10.60B
Analysts68.57
Price Target19.2 (9.15%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.27% |
Yearly DividendN/A
Dividend Growth(5Y)73.8%
DP0%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)11.82%
Min EPS beat(2)2.46%
Max EPS beat(2)21.19%
EPS beat(4)4
Avg EPS beat(4)9.8%
Min EPS beat(4)2.46%
Max EPS beat(4)21.19%
EPS beat(8)7
Avg EPS beat(8)17.08%
EPS beat(12)10
Avg EPS beat(12)23.1%
EPS beat(16)14
Avg EPS beat(16)24.55%
Revenue beat(2)1
Avg Revenue beat(2)2.71%
Min Revenue beat(2)-2.67%
Max Revenue beat(2)8.1%
Revenue beat(4)3
Avg Revenue beat(4)2.65%
Min Revenue beat(4)-2.67%
Max Revenue beat(4)8.1%
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)0.04%
PT rev (3m)2.06%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)-0.04%
EPS NY rev (3m)3.58%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0.58%
Revenue NY rev (3m)0.67%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.42 | ||
| Fwd PE | 7.58 | ||
| P/S | 0.72 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.71 | ||
| P/tB | 0.97 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.37
EY13.47%
EPS(NY)2.32
Fwd EY13.19%
FCF(TTM)-5.61
FCFYN/A
OCF(TTM)-5.26
OCFYN/A
SpS24.52
BVpS24.69
TBVpS18.19
PEG (NY)1.78
PEG (5Y)0.83
Graham Number36.28
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.46% | ||
| ROE | 14.18% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 14.28% | ||
| GM | N/A | ||
| FCFM | N/A |
ROA(3y)0.26%
ROA(5y)0.23%
ROE(3y)8.05%
ROE(5y)7.15%
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 3Y17.65%
PM growth 5Y16.08%
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.26 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 85.94% | ||
| Cap/Sales | 1.44% | ||
| 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-Score4
WACC5.76%
ROIC/WACCN/A
Cap/Depr(3y)85.74%
Cap/Depr(5y)79.48%
Cap/Sales(3y)2.02%
Cap/Sales(5y)1.66%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)21.66%
EPS 3Y8.15%
EPS 5Y8.99%
EPS Q2Q%3.92%
EPS Next Y4.18%
EPS Next 2Y4.18%
EPS Next 3Y4.79%
EPS Next 5Y4.72%
Revenue 1Y (TTM)8%
Revenue growth 3Y-10.74%
Revenue growth 5Y-6.66%
Sales Q2Q%5.64%
Revenue Next Year3.95%
Revenue Next 2Y2.88%
Revenue Next 3Y3.07%
Revenue Next 5Y3.16%
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 1Y54.6%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y56.43%
OCF growth 3YN/A
OCF growth 5YN/A
CREDIT AGRICOLE SA / 1ACA.MI FAQ
Can you provide the ChartMill fundamental rating for CREDIT AGRICOLE SA?
ChartMill assigns a fundamental rating of 3 / 10 to 1ACA.MI.
What is the valuation status of CREDIT AGRICOLE SA (1ACA.MI) stock?
ChartMill assigns a valuation rating of 5 / 10 to CREDIT AGRICOLE SA (1ACA.MI). This can be considered as Fairly Valued.
How profitable is CREDIT AGRICOLE SA (1ACA.MI) stock?
CREDIT AGRICOLE SA (1ACA.MI) has a profitability rating of 2 / 10.
What is the valuation of CREDIT AGRICOLE SA based on its PE and PB ratios?
The Price/Earnings (PE) ratio for CREDIT AGRICOLE SA (1ACA.MI) is 7.42 and the Price/Book (PB) ratio is 0.71.
How sustainable is the dividend of CREDIT AGRICOLE SA (1ACA.MI) stock?
The dividend rating of CREDIT AGRICOLE SA (1ACA.MI) is 7 / 10 and the dividend payout ratio is 0%.