1ACA Fundamental Analysis - CREDIT AGRICOLE SA

Fundamental Rating

We assign a fundamental rating of 2 out of 10 to 1ACA. 1ACA was compared to 91 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. Finally 1ACA also has an excellent dividend rating.

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1. Profitability

1.1 Basic Checks

1ACA had positive earnings in the past year.

1ACA had a negative operating cash flow in the past year.

Each year in the past 5 years 1ACA has 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

The Return On Assets of 1ACA (0.46%) is worse than 67.03% of its industry peers.

1ACA has a better Return On Equity (14.18%) than 78.02% of its industry peers.

		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

1ACA has a Profit Margin of 14.28%. This is in the lower half of the industry: 1ACA underperforms 74.73% of its industry peers.

In the last couple of years the Profit Margin of 1ACA has grown nicely.

1ACA does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.

		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

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ROA

ROE

ROIC

Operating and Profit Margin

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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.

The number of shares outstanding for 1ACA remains at a similar level compared to 1 year ago.

Compared to 5 years ago, 1ACA has more shares outstanding

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 83.52% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	4.26
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC5.44%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

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Altman-Z score

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3. Growth

3.1 Past

The Earnings Per Share has been growing slightly by 4.18% over the past year.

The Earnings Per Share has been growing by 8.99% on average over the past years. This is quite good.

The Revenue has been growing slightly by 8.00% in the past year.

The Revenue has been decreasing by -6.66% on average over the past years.

EPS 1Y (TTM)4.18%

EPS 3Y8.15%

EPS 5Y8.99%

EPS Q2Q%-36.46%

Revenue 1Y (TTM)8%

Revenue growth 3Y-10.74%

Revenue growth 5Y-6.66%

Sales Q2Q%2.93%

3.2 Future

Based on estimates for the next years, 1ACA will show a small growth in Earnings Per Share. The EPS will grow by 2.05% on average per year.

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 5Y2.05%

Revenue Next Year3.55%

Revenue Next 2Y2.85%

Revenue Next 3Y3.07%

Revenue Next 5Y1.52%

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.

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4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 7.96, the valuation of 1ACA can be described as very cheap.

Compared to the rest of the industry, the Price/Earnings ratio of 1ACA indicates a rather cheap valuation: 1ACA is cheaper than 83.52% of the companies listed in the same industry.

1ACA is valuated cheaply when we compare the Price/Earnings ratio to 26.48, which is the current average of the S&P500 Index.

A Price/Forward Earnings ratio of 7.06 indicates a rather cheap valuation of 1ACA.

Compared to the rest of the industry, the Price/Forward Earnings ratio of 1ACA indicates a rather cheap valuation: 1ACA is cheaper than 93.41% of the companies listed in the same industry.

The average S&P500 Price/Forward Earnings ratio is at 34.04. 1ACA is valued rather cheaply when compared to this.

		Industry Rank	Sector Rank
PE	7.96
Fwd PE	7.06

4.2 Price Multiples

		Industry Rank	Sector Rank
P/FCF	N/A
EV/EBITDA	N/A

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)0.89

EPS Next 2Y2.19%

EPS Next 3Y3.08%

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5. Dividend

5.1 Amount

1ACA has a Yearly Dividend Yield of 6.71%, which is a nice return.

1ACA's Dividend Yield is rather good when compared to the industry average which is at 5.01. 1ACA pays more dividend than 85.71% of the companies in the same industry.

1ACA's Dividend Yield is rather good when compared to the S&P500 average which is at 2.39.

		Industry Rank	Sector Rank
Dividend Yield	6.71%

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

1ACA's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.

DP0%

EPS Next 2Y2.19%

EPS Next 3Y3.08%

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CREDIT AGRICOLE SA

BIT:1ACA (8/1/2025, 7:00:00 PM)

15.76

-0.33 (-2.02%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)07-31 2025-07-31/dmh

Earnings (Next)10-30 2025-10-30

Inst Owners7.98%

Inst Owner ChangeN/A

Ins Owners0%

Ins Owner ChangeN/A

Market Cap47.69B

Analysts69.52

Price Target18.33 (16.31%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	6.71%

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)2.65%

PT rev (3m)3.2%

EPS NQ rev (1m)0%

EPS NQ rev (3m)0%

EPS NY rev (1m)0%

EPS NY rev (3m)0%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)0%

Revenue NY rev (1m)0%

Revenue NY rev (3m)-0.58%

Valuation

		Industry Rank	Sector Rank
PE	7.96
Fwd PE	7.06
P/S	0.64
P/FCF	N/A
P/OCF	N/A
P/B	0.64
P/tB	0.87
EV/EBITDA	N/A

EPS(TTM)1.98

EY12.56%

EPS(NY)2.23

Fwd EY14.17%

FCF(TTM)-5.61

FCFYN/A

OCF(TTM)-5.26

OCFYN/A

SpS24.52

BVpS24.69

TBVpS18.19

PEG (NY)N/A

PEG (5Y)0.89

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

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 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

WACC5.44%

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)4.18%

EPS 3Y8.15%

EPS 5Y8.99%

EPS Q2Q%-36.46%

EPS Next Y-0.51%

EPS Next 2Y2.19%

EPS Next 3Y3.08%

EPS Next 5Y2.05%

Revenue 1Y (TTM)8%

Revenue growth 3Y-10.74%

Revenue growth 5Y-6.66%

Sales Q2Q%2.93%

Revenue Next Year3.55%

Revenue Next 2Y2.85%

Revenue Next 3Y3.07%

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

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

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens