CREDIT AGRICOLE SA (1ACA.MI) Stock Fundamental Analysis
Europe - Euronext Milan - BIT:1ACA - FR0000045072 - Common Stock
17.535 EUR
-0.05 (-0.31%)
1ACA gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 114 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.
1. Profitability
1.1 Basic Checks
In the past year 1ACA was profitable.
In the past year 1ACA has reported a negative cash flow from operations.
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
1ACA's Return On Assets of 0.46% is on the low side compared to the rest of the industry. 1ACA is outperformed by 73.68% of its industry peers.
The Return On Equity of 1ACA (14.18%) is better than 75.44% 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
The Profit Margin of 1ACA (14.28%) is worse than 78.07% of its industry peers.
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.
The number of shares outstanding for 1ACA remains at a similar level compared to 1 year ago.
The number of shares outstanding for 1ACA has been increased compared to 5 years ago.
1ACA has a worse debt/assets ratio than last year.
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's Debt to Equity ratio of 4.26 is on the low side compared to the rest of the industry. 1ACA is outperformed by 81.58% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.26 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC5.76%
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.
1ACA shows a small growth in Revenue. In the last year, the Revenue has grown by 8.00%.
1ACA shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -6.66% yearly.
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
1ACA is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 4.72% yearly.
The Revenue is expected to grow by 3.16% on average over the next years.
EPS Next Y4.18%
EPS Next 2Y4.18%
EPS Next 3Y4.79%
EPS Next 5Y4.72%
Revenue Next Year3.95%
Revenue Next 2Y2.88%
Revenue Next 3Y3.07%
Revenue Next 5Y3.16%
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.
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
1ACA is valuated cheaply with a Price/Earnings ratio of 7.40.
Based on the Price/Earnings ratio, 1ACA is valued cheaper than 92.98% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 27.19, 1ACA is valued rather cheaply.
The Price/Forward Earnings ratio is 7.56, which 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 93.86% of the companies listed in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.88, 1ACA is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.4 | ||
| Fwd PE | 7.56 |
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)1.77
PEG (5Y)0.82
EPS Next 2Y4.18%
EPS Next 3Y4.79%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 6.27%, 1ACA is a good candidate for dividend investing.
1ACA's Dividend Yield is rather good when compared to the industry average which is at 3.98. 1ACA pays more dividend than 84.21% of the companies in the same industry.
1ACA's Dividend Yield is rather good when compared to the S&P500 average which is at 1.94.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.27% |
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
1ACA's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP0%
EPS Next 2Y4.18%
EPS Next 3Y4.79%
BIT:1ACA (1/6/2026, 7:00:00 PM)
17.535
-0.05 (-0.31%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners8.65%
Inst Owner ChangeN/A
Ins Owners0%
Ins Owner ChangeN/A
Market Cap53.06B
Revenue(TTM)57.18B
Net Income(TTM)10.60B
Analysts68.57
Price Target19.2 (9.5%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.27% |
Yearly DividendN/A
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)0.04%
PT rev (3m)2.06%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)-0.04%
EPS NY rev (3m)3.58%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0.58%
Revenue NY rev (3m)0.67%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.4 | ||
| Fwd PE | 7.56 | ||
| P/S | 0.72 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.71 | ||
| P/tB | 0.96 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.37
EY13.52%
EPS(NY)2.32
Fwd EY13.23%
FCF(TTM)-5.61
FCFYN/A
OCF(TTM)-5.26
OCFYN/A
SpS24.52
BVpS24.69
TBVpS18.19
PEG (NY)1.77
PEG (5Y)0.82
Graham Number36.28
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
WACC5.76%
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 Y4.18%
EPS Next 2Y4.18%
EPS Next 3Y4.79%
EPS Next 5Y4.72%
Revenue 1Y (TTM)8%
Revenue growth 3Y-10.74%
Revenue growth 5Y-6.66%
Sales Q2Q%5.64%
Revenue Next Year3.95%
Revenue Next 2Y2.88%
Revenue Next 3Y3.07%
Revenue Next 5Y3.16%
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 of CREDIT AGRICOLE SA (1ACA.MI) 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.
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 7.4 and the Price/Book (PB) ratio is 0.71.
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%.