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

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

16.565  +1.13 (+7.32%)

Fundamental Rating

3

Taking everything into account, 1ACA scores 3 out of 10 in our fundamental rating. 1ACA was compared to 95 industry peers in the Banks industry. 1ACA has a bad profitability rating. Also its financial health evaluation is rather negative. 1ACA is not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

1ACA had positive earnings in the past year.
In the past year 1ACA has reported a negative 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20B -20B 40B

1.2 Ratios

With a Return On Assets value of 0.43%, 1ACA is not doing good in the industry: 70.53% of the companies in the same industry are doing better.
1ACA's Return On Equity of 13.27% is fine compared to the rest of the industry. 1ACA outperforms 72.63% of its industry peers.
Industry RankSector Rank
ROA 0.43%
ROE 13.27%
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 has a Profit Margin of 13.36%. This is in the lower half of the industry: 1ACA underperforms 75.79% 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 RankSector Rank
OM N/A
PM (TTM) 13.36%
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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0

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.
Compared to 5 years ago, 1ACA has more shares outstanding
The debt/assets ratio for 1ACA is higher compared to a year ago.
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 4.63. This is a high value indicating a heavy dependency on external financing.
With a Debt to Equity ratio value of 4.63, 1ACA is not doing good in the industry: 83.16% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 4.63
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 20B 40B 60B

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4

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 21.48% over the past year.
The Earnings Per Share has been growing by 8.99% on average over the past years. This is quite good.
Looking at the last year, 1ACA shows a small growth in Revenue. The Revenue has grown by 8.00% in the last year.
The Revenue has been decreasing by -6.66% on average over the past years.
EPS 1Y (TTM)21.48%
EPS 3Y8.15%
EPS 5Y8.99%
EPS Q2Q%54.29%
Revenue 1Y (TTM)8%
Revenue growth 3Y-10.74%
Revenue growth 5Y-6.66%
Sales Q2Q%18.19%

3.2 Future

Based on estimates for the next years, 1ACA will show a decrease in Earnings Per Share. The EPS will decrease by -4.47% on average per year.
1ACA is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 1.52% yearly.
EPS Next Y-0.51%
EPS Next 2Y2.19%
EPS Next 3Y3.08%
EPS Next 5Y-4.47%
Revenue Next Year4.15%
Revenue Next 2Y3.34%
Revenue Next 3Y3.25%
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.
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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5

4. Valuation

4.1 Price/Earnings Ratio

1ACA is valuated cheaply with a Price/Earnings ratio of 7.74.
Based on the Price/Earnings ratio, 1ACA is valued a bit cheaper than the industry average as 75.79% of the companies are valued more expensively.
Compared to an average S&P500 Price/Earnings ratio of 24.12, 1ACA is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 7.79, the valuation of 1ACA can be described as very cheap.
Compared to the rest of the industry, the Price/Forward Earnings ratio of 1ACA indicates a rather cheap valuation: 1ACA is cheaper than 87.37% of the companies listed in the same industry.
1ACA is valuated cheaply when we compare the Price/Forward Earnings ratio to 20.42, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 7.74
Fwd PE 7.79
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

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)0.86
EPS Next 2Y2.19%
EPS Next 3Y3.08%

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6

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 6.59%, 1ACA is a good candidate for dividend investing.
1ACA's Dividend Yield is a higher than the industry average which is at 5.30.
Compared to an average S&P500 Dividend Yield of 2.44, 1ACA pays a better dividend.
Industry RankSector Rank
Dividend Yield 6.59%

5.2 History

The dividend of 1ACA is nicely growing with an annual growth rate of 73.80%!
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 (5/6/2025, 7:00:00 PM)

16.565

+1.13 (+7.32%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-05 2025-02-05/bmo
Earnings (Next)04-30 2025-04-30
Inst Owners8.67%
Inst Owner ChangeN/A
Ins Owners0%
Ins Owner ChangeN/A
Market Cap50.12B
Analysts69.09
Price Target17.85 (7.76%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 6.59%
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)2.44%
PT rev (3m)7.59%
EPS NQ rev (1m)7.52%
EPS NQ rev (3m)10.45%
EPS NY rev (1m)0.84%
EPS NY rev (3m)4.34%
Revenue NQ rev (1m)1.2%
Revenue NQ rev (3m)3.64%
Revenue NY rev (1m)0.68%
Revenue NY rev (3m)1.48%
Valuation
Industry RankSector Rank
PE 7.74
Fwd PE 7.79
P/S 0.68
P/FCF N/A
P/OCF N/A
P/B 0.67
P/tB 0.91
EV/EBITDA N/A
EPS(TTM)2.14
EY12.92%
EPS(NY)2.13
Fwd EY12.84%
FCF(TTM)-5.61
FCFYN/A
OCF(TTM)-5.26
OCFYN/A
SpS24.52
BVpS24.69
TBVpS18.19
PEG (NY)N/A
PEG (5Y)0.86
Profitability
Industry RankSector Rank
ROA 0.43%
ROE 13.27%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 13.36%
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 4.63
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)21.48%
EPS 3Y8.15%
EPS 5Y8.99%
EPS Q2Q%54.29%
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%18.19%
Revenue Next Year4.15%
Revenue Next 2Y3.34%
Revenue Next 3Y3.25%
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