CREDIT AGRICOLE SA (1ACA.MI) Stock Fundamental Analysis
Europe - BIT:1ACA - FR0000045072 - Common Stock
15.51 EUR
-0.04 (-0.26%)
Overall 1ACA gets a fundamental rating of 3 out of 10. We evaluated 1ACA against 96 industry peers in the Banks industry. Both the profitability and financial health of 1ACA have multiple concerns. 1ACA has a decent growth rate and is not valued too expensively. Finally 1ACA also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year 1ACA was profitable.
1ACA had a negative operating cash flow in the past year.
Each year in the past 5 years 1ACA has been profitable.
In multiple years 1ACA reported negative operating cash flow during the last 5 years.
1.2 Ratios
1ACA has a worse Return On Assets (0.46%) than 70.53% of its industry peers.
The Return On Equity of 1ACA (14.18%) is better than 75.79% 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
With a Profit Margin value of 14.28%, 1ACA is not doing good in the industry: 76.84% 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.
1ACA has about the same amout of shares outstanding than it did 1 year ago.
Compared to 5 years ago, 1ACA has more shares outstanding
The debt/assets ratio for 1ACA is higher compared to a year ago.
2.2 Solvency
1ACA has a Debt/Equity ratio of 4.26. This is a high value indicating a heavy dependency on external financing.
The Debt to Equity ratio of 1ACA (4.26) is worse than 82.11% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.26 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC5.38%
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.
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.
The Revenue has been growing slightly by 8.00% in the past 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
Based on estimates for the next years, 1ACA will show a small growth in Earnings Per Share. The EPS will grow by 4.33% on average per year.
1ACA is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.30% yearly.
EPS Next Y4.38%
EPS Next 2Y4.09%
EPS Next 3Y4.79%
EPS Next 5Y4.33%
Revenue Next Year3.33%
Revenue Next 2Y2.62%
Revenue Next 3Y2.96%
Revenue Next 5Y3.3%
3.3 Evolution
The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
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.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 6.54, which indicates a rather cheap valuation of 1ACA.
Compared to the rest of the industry, the Price/Earnings ratio of 1ACA indicates a rather cheap valuation: 1ACA is cheaper than 90.53% of the companies listed in the same industry.
1ACA is valuated cheaply when we compare the Price/Earnings ratio to 26.06, which is the current average of the S&P500 Index.
1ACA is valuated cheaply with a Price/Forward Earnings ratio of 6.70.
Compared to the rest of the industry, the Price/Forward Earnings ratio of 1ACA indicates a rather cheap valuation: 1ACA is cheaper than 92.63% of the companies listed in the same industry.
When comparing the Price/Forward Earnings ratio of 1ACA to the average of the S&P500 Index (32.73), we can say 1ACA is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.54 | ||
| Fwd PE | 6.7 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
1ACA's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.49
PEG (5Y)0.73
EPS Next 2Y4.09%
EPS Next 3Y4.79%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 7.03%, 1ACA is a good candidate for dividend investing.
1ACA's Dividend Yield is rather good when compared to the industry average which is at 4.84. 1ACA pays more dividend than 85.26% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.37, 1ACA pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.03% |
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 2Y4.09%
EPS Next 3Y4.79%
BIT:1ACA (11/5/2025, 7:00:00 PM)
15.51
-0.04 (-0.26%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners8.79%
Inst Owner ChangeN/A
Ins Owners0%
Ins Owner ChangeN/A
Market Cap47.29B
Revenue(TTM)57.18B
Net Income(TTM)10.60B
Analysts68.57
Price Target19.26 (24.18%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.03% |
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)3.36%
PT rev (3m)4.53%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)3.78%
EPS NY rev (3m)4.92%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0.06%
Revenue NY rev (3m)-0.21%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.54 | ||
| Fwd PE | 6.7 | ||
| P/S | 0.64 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.63 | ||
| P/tB | 0.86 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.37
EY15.28%
EPS(NY)2.32
Fwd EY14.93%
FCF(TTM)-5.57
FCFYN/A
OCF(TTM)-5.22
OCFYN/A
SpS24.34
BVpS24.5
TBVpS18.05
PEG (NY)1.49
PEG (5Y)0.73
Graham Number36.15
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
WACC5.38%
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 Y4.38%
EPS Next 2Y4.09%
EPS Next 3Y4.79%
EPS Next 5Y4.33%
Revenue 1Y (TTM)8%
Revenue growth 3Y-10.74%
Revenue growth 5Y-6.66%
Sales Q2Q%5.64%
Revenue Next Year3.33%
Revenue Next 2Y2.62%
Revenue Next 3Y2.96%
Revenue Next 5Y3.3%
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 for 1ACA 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.
Can you provide the financial health for 1ACA stock?
The financial health rating of CREDIT AGRICOLE SA (1ACA.MI) is 0 / 10.
Can you provide the expected EPS growth for 1ACA stock?
The Earnings per Share (EPS) of CREDIT AGRICOLE SA (1ACA.MI) is expected to grow by 4.38% in the next year.