1ACA Fundamental Analysis - CREDIT AGRICOLE SA

Fundamental Rating

Overall 1ACA gets a fundamental rating of 3 out of 10. We evaluated 1ACA against 89 industry peers in the Banks industry. Both the profitability and financial health of 1ACA have multiple concerns. 1ACA is not valued too expensively and it also shows a decent growth rate. 1ACA also has an excellent dividend rating.

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1. Profitability

1.1 Basic Checks

In the past year 1ACA was profitable.

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

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

The Return On Assets of 1ACA (0.46%) is worse than 68.54% of its industry peers.

The Return On Equity of 1ACA (14.18%) is better than 78.65% 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

Looking at the Profit Margin, with a value of 14.28%, 1ACA is doing worse than 75.28% of the companies in the same industry.

1ACA's Profit Margin has improved in the last couple of years.

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

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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 83.15% of its industry peers.

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

ROIC/WACCN/A

WACC5.37%

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 grown by an impressive 23.81% over the past year.

Measured over the past years, 1ACA shows a quite strong growth in Earnings Per Share. The EPS has been growing by 8.99% on average per year.

1ACA shows a small growth in Revenue. In the last year, the Revenue has grown by 8.00%.

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

EPS 1Y (TTM)23.81%

EPS 3Y8.15%

EPS 5Y8.99%

EPS Q2Q%28.03%

Revenue 1Y (TTM)8%

Revenue growth 3Y-10.74%

Revenue growth 5Y-6.66%

Sales Q2Q%3.73%

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 4.11% on average per year.

Based on estimates for the next years, 1ACA will show a small growth in Revenue. The Revenue will grow by 3.03% on average per year.

EPS Next Y0.53%

EPS Next 2Y3.41%

EPS Next 3Y4.12%

EPS Next 5Y4.11%

Revenue Next Year3.31%

Revenue Next 2Y2.63%

Revenue Next 3Y2.91%

Revenue Next 5Y3.03%

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.

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 6.83, the valuation of 1ACA can be described as very cheap.

Based on the Price/Earnings ratio, 1ACA is valued cheaper than 91.01% of the companies in the same industry.

Compared to an average S&P500 Price/Earnings ratio of 27.07, 1ACA is valued rather cheaply.

1ACA is valuated cheaply with a Price/Forward Earnings ratio of 7.02.

Based on the Price/Forward Earnings ratio, 1ACA is valued cheaply inside the industry as 92.13% of the companies are valued more expensively.

The average S&P500 Price/Forward Earnings ratio is at 22.59. 1ACA is valued rather cheaply when compared to this.

		Industry Rank	Sector Rank
PE	6.83
Fwd PE	7.02

4.2 Price Multiples

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

4.3 Compensation for Growth

The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.

PEG (NY)12.95

PEG (5Y)0.76

EPS Next 2Y3.41%

EPS Next 3Y4.12%

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5. Dividend

5.1 Amount

1ACA has a Yearly Dividend Yield of 6.93%, which is a nice return.

Compared to an average industry Dividend Yield of 5.09, 1ACA pays a better dividend. On top of this 1ACA pays more dividend than 85.39% of the companies listed in the same industry.

Compared to an average S&P500 Dividend Yield of 2.46, 1ACA pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	6.93%

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 2Y3.41%

EPS Next 3Y4.12%

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CREDIT AGRICOLE SA

BIT:1ACA (9/9/2025, 7:00:00 PM)

16.06

+0.69 (+4.49%)

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 Cap48.60B

Analysts68.57

Price Target18.75 (16.75%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	6.93%

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)1.78%

PT rev (3m)4.54%

EPS NQ rev (1m)0%

EPS NQ rev (3m)0%

EPS NY rev (1m)1.04%

EPS NY rev (3m)1.04%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)0%

Revenue NY rev (1m)-0.23%

Revenue NY rev (3m)-0.23%

Valuation

		Industry Rank	Sector Rank
PE	6.83
Fwd PE	7.02
P/S	0.65
P/FCF	N/A
P/OCF	N/A
P/B	0.65
P/tB	0.88
EV/EBITDA	N/A

EPS(TTM)2.35

EY14.63%

EPS(NY)2.29

Fwd EY14.24%

FCF(TTM)-5.61

FCFYN/A

OCF(TTM)-5.26

OCFYN/A

SpS24.52

BVpS24.69

TBVpS18.19

PEG (NY)12.95

PEG (5Y)0.76

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

WACC5.37%

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)23.81%

EPS 3Y8.15%

EPS 5Y8.99%

EPS Q2Q%28.03%

EPS Next Y0.53%

EPS Next 2Y3.41%

EPS Next 3Y4.12%

EPS Next 5Y4.11%

Revenue 1Y (TTM)8%

Revenue growth 3Y-10.74%

Revenue growth 5Y-6.66%

Sales Q2Q%3.73%

Revenue Next Year3.31%

Revenue Next 2Y2.63%

Revenue Next 3Y2.91%

Revenue Next 5Y3.03%

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