CREDIT AGRICOLE SA (1ACA.MI) Fundamental Analysis & Valuation

BIT:1ACA • FR0000045072

Current stock price

16.95 EUR
-0.04 (-0.24%)
Last:

This 1ACA.MI fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

2

1. 1ACA.MI Profitability Analysis

1.1 Basic Checks

  • 1ACA had positive earnings in the past year.
  • In the past year 1ACA had a positive cash flow from operations.
  • In the past 5 years 1ACA has always been profitable.
  • In multiple years 1ACA reported negative operating cash flow during the last 5 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20B -20B 40B

1.2 Ratios

  • 1ACA has a Return On Assets of 0.40%. This is amonst the worse of the industry: 1ACA underperforms 82.73% of its industry peers.
  • The Return On Equity of 1ACA (12.13%) is comparable to the rest of the industry.
Industry RankSector Rank
ROA 0.4%
ROE 12.13%
ROIC N/A
ROA(3y)0.27%
ROA(5y)0.26%
ROE(3y)8.43%
ROE(5y)8.14%
ROIC(3y)N/A
ROIC(5y)N/A
1ACA.MI Yearly ROA, ROE, ROIC1ACA.MI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8

1.3 Margins

  • 1ACA's Profit Margin of 15.16% is on the low side compared to the rest of the industry. 1ACA is outperformed by 81.82% of its industry peers.
  • 1ACA's Profit Margin has improved in the last couple of years.
  • 1ACA 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) 15.16%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-3.19%
PM growth 5Y24.15%
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8 10

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2

2. 1ACA.MI Health Analysis

2.1 Basic Checks

  • 1ACA does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • 1ACA has about the same amout of shares outstanding than it did 1 year ago.
  • 1ACA has more shares outstanding than it did 5 years ago.
  • 1ACA has a better debt/assets ratio than last year.
1ACA.MI Yearly Shares Outstanding1ACA.MI Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B
1ACA.MI Yearly Total Debt VS Total Assets1ACA.MI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500B 1T 1.5T 2T

2.2 Solvency

  • 1ACA has a debt to FCF ratio of 17.97. This is a negative value and a sign of low solvency as 1ACA would need 17.97 years to pay back of all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 17.97, 1ACA is in the better half of the industry, outperforming 63.64% of the companies in the same industry.
  • 1ACA has a Debt/Equity ratio of 4.14. This is a high value indicating a heavy dependency on external financing.
  • 1ACA's Debt to Equity ratio of 4.14 is on the low side compared to the rest of the industry. 1ACA is outperformed by 89.09% of its industry peers.
Industry RankSector Rank
Debt/Equity 4.14
Debt/FCF 17.97
Altman-Z N/A
ROIC/WACCN/A
WACC5.39%
1ACA.MI Yearly LT Debt VS Equity VS FCF1ACA.MI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50B 100B 150B

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3

3. 1ACA.MI Growth Analysis

3.1 Past

  • The earnings per share for 1ACA have decreased by -7.68% in the last year.
  • The Earnings Per Share has been growing by 10.47% on average over the past years. This is quite good.
  • 1ACA shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -16.29%.
  • Measured over the past years, 1ACA shows a decrease in Revenue. The Revenue has been decreasing by -0.72% on average per year.
EPS 1Y (TTM)-7.68%
EPS 3Y5.73%
EPS 5Y10.47%
EPS Q2Q%-73.35%
Revenue 1Y (TTM)-16.29%
Revenue growth 3Y14.11%
Revenue growth 5Y-0.72%
Sales Q2Q%40.12%

3.2 Future

  • The Earnings Per Share is expected to grow by 10.07% on average over the next years. This is quite good.
  • The Revenue is expected to grow by 2.70% on average over the next years.
EPS Next Y19.66%
EPS Next 2Y12.63%
EPS Next 3Y10.07%
EPS Next 5YN/A
Revenue Next Year1.39%
Revenue Next 2Y2.44%
Revenue Next 3Y2.7%
Revenue Next 5YN/A

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 stable.
  • The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
1ACA.MI Yearly Revenue VS Estimates1ACA.MI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 0.5 1 1.5 2 2.5

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7

4. 1ACA.MI Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 8.60, the valuation of 1ACA can be described as reasonable.
  • Based on the Price/Earnings ratio, 1ACA is valued cheaply inside the industry as 80.91% of the companies are valued more expensively.
  • Compared to an average S&P500 Price/Earnings ratio of 25.23, 1ACA is valued rather cheaply.
  • 1ACA is valuated cheaply with a Price/Forward Earnings ratio of 7.18.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of 1ACA indicates a rather cheap valuation: 1ACA is cheaper than 90.00% of the companies listed in the same industry.
  • 1ACA is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.51, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 8.6
Fwd PE 7.18
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

  • Based on the Price/Free Cash Flow ratio, 1ACA is valued cheaper than 80.91% of the companies in the same industry.
Industry RankSector Rank
P/FCF 2.87
EV/EBITDA N/A
1ACA.MI Per share data1ACA.MI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20 25

4.3 Compensation for Growth

  • The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.44
PEG (5Y)0.82
EPS Next 2Y12.63%
EPS Next 3Y10.07%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

7

5. 1ACA.MI Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 6.95%, 1ACA is a good candidate for dividend investing.
  • 1ACA's Dividend Yield is rather good when compared to the industry average which is at 4.75. 1ACA pays more dividend than 83.64% of the companies in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.90, 1ACA pays a better dividend.
Industry RankSector Rank
Dividend Yield 6.95%

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 2Y12.63%
EPS Next 3Y10.07%
1ACA.MI Yearly Income VS Free CF VS Dividend1ACA.MI Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20B -20B 40B

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1ACA.MI Fundamentals: All Metrics, Ratios and Statistics

CREDIT AGRICOLE SA

BIT:1ACA (3/25/2026, 7:00:00 PM)

16.95

-0.04 (-0.24%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-04
Earnings (Next)04-30
Inst Owners8.56%
Inst Owner ChangeN/A
Ins Owners0%
Ins Owner ChangeN/A
Market Cap51.29B
Revenue(TTM)62.11B
Net Income(TTM)9.42B
Analysts70
Price Target20.87 (23.13%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 6.95%
Yearly DividendN/A
Dividend Growth(5Y)73.8%
DP0%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-30.65%
Min EPS beat(2)-60.94%
Max EPS beat(2)-0.35%
EPS beat(4)1
Avg EPS beat(4)-10.94%
Min EPS beat(4)-60.94%
Max EPS beat(4)26.25%
EPS beat(8)5
Avg EPS beat(8)-0.57%
EPS beat(12)8
Avg EPS beat(12)7.74%
EPS beat(16)11
Avg EPS beat(16)14.59%
Revenue beat(2)2
Avg Revenue beat(2)23.3%
Min Revenue beat(2)0.47%
Max Revenue beat(2)46.14%
Revenue beat(4)2
Avg Revenue beat(4)11.29%
Min Revenue beat(4)-1.16%
Max Revenue beat(4)46.14%
Revenue beat(8)5
Avg Revenue beat(8)6.97%
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)2.3%
PT rev (3m)8.72%
EPS NQ rev (1m)-1.77%
EPS NQ rev (3m)-1.33%
EPS NY rev (1m)1.54%
EPS NY rev (3m)1.78%
Revenue NQ rev (1m)-0.97%
Revenue NQ rev (3m)-3.21%
Revenue NY rev (1m)-0.22%
Revenue NY rev (3m)-0.22%
Valuation
Industry RankSector Rank
PE 8.6
Fwd PE 7.18
P/S 0.83
P/FCF 2.87
P/OCF 2.7
P/B 0.66
P/tB 0.89
EV/EBITDA N/A
EPS(TTM)1.97
EY11.62%
EPS(NY)2.36
Fwd EY13.93%
FCF(TTM)5.91
FCFY34.89%
OCF(TTM)6.28
OCFY37.07%
SpS20.53
BVpS25.67
TBVpS19.12
PEG (NY)0.44
PEG (5Y)0.82
Graham Number33.73
Profitability
Industry RankSector Rank
ROA 0.4%
ROE 12.13%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 15.16%
GM N/A
FCFM 28.81%
ROA(3y)0.27%
ROA(5y)0.26%
ROE(3y)8.43%
ROE(5y)8.14%
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 3Y-3.19%
PM growth 5Y24.15%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 4.14
Debt/FCF 17.97
Debt/EBITDA N/A
Cap/Depr 83.17%
Cap/Sales 1.8%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 190.01%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC5.39%
ROIC/WACCN/A
Cap/Depr(3y)82%
Cap/Depr(5y)83.03%
Cap/Sales(3y)1.78%
Cap/Sales(5y)1.79%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-7.68%
EPS 3Y5.73%
EPS 5Y10.47%
EPS Q2Q%-73.35%
EPS Next Y19.66%
EPS Next 2Y12.63%
EPS Next 3Y10.07%
EPS Next 5YN/A
Revenue 1Y (TTM)-16.29%
Revenue growth 3Y14.11%
Revenue growth 5Y-0.72%
Sales Q2Q%40.12%
Revenue Next Year1.39%
Revenue Next 2Y2.44%
Revenue Next 3Y2.7%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year21.07%
EBIT Next 3Y9.53%
EBIT Next 5YN/A
FCF growth 1Y205.4%
FCF growth 3Y248.99%
FCF growth 5Y-20.55%
OCF growth 1Y219.51%
OCF growth 3Y135.1%
OCF growth 5Y-19.8%

CREDIT AGRICOLE SA / 1ACA.MI Fundamental Analysis 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 7 / 10 to CREDIT AGRICOLE SA (1ACA.MI). This can be considered as Undervalued.


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 8.6 and the Price/Book (PB) ratio is 0.66.


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%.