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CREDIT AGRICOLE SA (1ACA.MI) Stock Fundamental Analysis

BIT:1ACA - Euronext Milan - FR0000045072 - Common Stock - Currency: EUR

15.54  -0.27 (-1.68%)

Fundamental Rating

2

Taking everything into account, 1ACA scores 2 out of 10 in our fundamental rating. 1ACA was compared to 96 industry peers in the Banks industry. Both the profitability and financial health of 1ACA have multiple concerns. 1ACA has a valuation in line with the averages, but on the other hand it scores bad on growth. 1ACA also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

In the past year 1ACA was profitable.
In the past year 1ACA has reported a negative cash flow from operations.
1ACA had positive earnings in each of the past 5 years.
The reported operating cash flow has been mixed in the past 5 years: 1ACA reported negative operating cash flow in multiple years.
1ACA.MI Yearly Net Income VS EBIT VS OCF VS FCF1ACA.MI 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 20B -20B 40B

1.2 Ratios

Looking at the Return On Assets, with a value of 0.46%, 1ACA is doing worse than 68.75% of the companies in the same industry.
Looking at the Return On Equity, with a value of 14.18%, 1ACA is in the better half of the industry, outperforming 75.00% of the companies in the same industry.
Industry RankSector 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
1ACA.MI Yearly ROA, ROE, ROIC1ACA.MI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8

1.3 Margins

1ACA's Profit Margin of 14.28% is on the low side compared to the rest of the industry. 1ACA is outperformed by 76.04% of its industry peers.
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 RankSector 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
1ACA.MI Yearly Profit, Operating, Gross Margins1ACA.MI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

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2. Health

2.1 Basic Checks

1ACA does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, 1ACA has about the same amount of shares outstanding.
The number of shares outstanding for 1ACA has been increased compared to 5 years ago.
Compared to 1 year ago, 1ACA has a worse debt to assets ratio.
1ACA.MI Yearly Shares Outstanding1ACA.MI Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B
1ACA.MI Yearly Total Debt VS Total Assets1ACA.MI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500B 1T 1.5T 2T

2.2 Solvency

1ACA has a Debt/Equity ratio of 4.26. This is a high value indicating a heavy dependency on external financing.
1ACA has a worse Debt to Equity ratio (4.26) than 83.33% of its industry peers.
Industry RankSector Rank
Debt/Equity 4.26
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC5.42%
1ACA.MI Yearly LT Debt VS Equity VS FCF1ACA.MI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50B 100B 150B 200B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
1ACA.MI Yearly Current Assets VS Current Liabilites1ACA.MI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50B 100B 150B

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3

3. Growth

3.1 Past

1ACA shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 15.16%, which is quite good.
The Earnings Per Share has been growing by 8.99% on average over the past years. This is quite good.
1ACA shows a small growth in Revenue. In the last year, the Revenue has grown by 8.00%.
1ACA shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -6.66% yearly.
EPS 1Y (TTM)15.16%
EPS 3Y8.15%
EPS 5Y8.99%
EPS Q2Q%9.8%
Revenue 1Y (TTM)8%
Revenue growth 3Y-10.74%
Revenue growth 5Y-6.66%
Sales Q2Q%6.75%

3.2 Future

The Earnings Per Share is expected to decrease by -4.47% on average over the next years.
Based on estimates for the next years, 1ACA will show a small growth in Revenue. The Revenue will grow by 1.52% on average per year.
EPS Next Y-0.51%
EPS Next 2Y2.19%
EPS Next 3Y3.08%
EPS Next 5Y-4.47%
Revenue Next Year3.54%
Revenue Next 2Y2.99%
Revenue Next 3Y2.97%
Revenue Next 5Y1.52%

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
1ACA.MI Yearly Revenue VS Estimates1ACA.MI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 20B 40B 60B 80B
1ACA.MI Yearly EPS VS Estimates1ACA.MI Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 0.5 1 1.5 2

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4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 7.10, the valuation of 1ACA can be described as very cheap.
Based on the Price/Earnings ratio, 1ACA is valued a bit cheaper than the industry average as 79.17% of the companies are valued more expensively.
1ACA's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.34.
A Price/Forward Earnings ratio of 6.96 indicates a rather cheap valuation of 1ACA.
Based on the Price/Forward Earnings ratio, 1ACA is valued cheaply inside the industry as 89.58% 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 22.19.
Industry RankSector Rank
PE 7.1
Fwd PE 6.96
1ACA.MI Price Earnings VS Forward Price Earnings1ACA.MI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
1ACA.MI Per share data1ACA.MI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 10 20

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)0.79
EPS Next 2Y2.19%
EPS Next 3Y3.08%

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5. Dividend

5.1 Amount

1ACA has a Yearly Dividend Yield of 6.88%, which is a nice return.
1ACA's Dividend Yield is rather good when compared to the industry average which is at 5.14. 1ACA pays more dividend than 83.33% of the companies in the same industry.
1ACA's Dividend Yield is rather good when compared to the S&P500 average which is at 2.40.
Industry RankSector Rank
Dividend Yield 6.88%

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

DP0%
EPS Next 2Y2.19%
EPS Next 3Y3.08%
1ACA.MI Yearly Income VS Free CF VS Dividend1ACA.MI Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20B -20B 40B

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CREDIT AGRICOLE SA

BIT:1ACA (6/19/2025, 7:00:00 PM)

15.54

-0.27 (-1.68%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-30 2025-04-30/bmo
Earnings (Next)07-31 2025-07-31
Inst Owners7.98%
Inst Owner ChangeN/A
Ins Owners0%
Ins Owner ChangeN/A
Market Cap47.02B
Analysts70
Price Target17.95 (15.51%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 6.88%
Yearly Dividend1.05
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)0.54%
PT rev (3m)2.83%
EPS NQ rev (1m)0%
EPS NQ rev (3m)10.45%
EPS NY rev (1m)0%
EPS NY rev (3m)1.15%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)3.64%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.05%
Valuation
Industry RankSector Rank
PE 7.1
Fwd PE 6.96
P/S 0.63
P/FCF N/A
P/OCF N/A
P/B 0.63
P/tB 0.85
EV/EBITDA N/A
EPS(TTM)2.19
EY14.09%
EPS(NY)2.23
Fwd EY14.37%
FCF(TTM)-5.61
FCFYN/A
OCF(TTM)-5.26
OCFYN/A
SpS24.52
BVpS24.69
TBVpS18.19
PEG (NY)N/A
PEG (5Y)0.79
Profitability
Industry RankSector 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
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 3Y17.65%
PM growth 5Y16.08%
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0.03
Health
Industry RankSector 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
WACC5.42%
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)15.16%
EPS 3Y8.15%
EPS 5Y8.99%
EPS Q2Q%9.8%
EPS Next Y-0.51%
EPS Next 2Y2.19%
EPS Next 3Y3.08%
EPS Next 5Y-4.47%
Revenue 1Y (TTM)8%
Revenue growth 3Y-10.74%
Revenue growth 5Y-6.66%
Sales Q2Q%6.75%
Revenue Next Year3.54%
Revenue Next 2Y2.99%
Revenue Next 3Y2.97%
Revenue Next 5Y1.52%
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