CREDIT AGRICOLE SA (1ACA.MI) Stock Fundamental Analysis
Europe - Euronext Milan - BIT:1ACA - FR0000045072 - Common Stock
16.875 EUR
+0.29 (+1.72%)
Taking everything into account, 1ACA scores 3 out of 10 in our fundamental rating. 1ACA was compared to 113 industry peers in the Banks industry. 1ACA may be in some trouble as it scores bad on both profitability and health. 1ACA has a correct valuation and a medium growth rate. Finally 1ACA also has an excellent dividend rating.
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.
1ACA had positive earnings in each of the past 5 years.
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 73.45% of its industry peers.
Looking at the Return On Equity, with a value of 14.18%, 1ACA is in the better half of the industry, outperforming 74.34% of the companies in the same industry.
| 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 worse Profit Margin (14.28%) than 77.88% 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
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.
1ACA has more shares outstanding than it did 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 has a worse Debt to Equity ratio (4.26) than 82.30% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.26 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC5.68%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
1ACA shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 21.66%, which is quite impressive.
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.
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.
1ACA is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.16% yearly.
EPS Next Y4.22%
EPS Next 2Y4.14%
EPS Next 3Y4.71%
EPS Next 5Y4.72%
Revenue Next Year3.35%
Revenue Next 2Y2.62%
Revenue Next 3Y2.94%
Revenue Next 5Y3.16%
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.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 7.12, the valuation of 1ACA can be described as very cheap.
Based on the Price/Earnings ratio, 1ACA is valued cheaper than 88.50% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 26.34. 1ACA is valued rather cheaply when compared to this.
With a Price/Forward Earnings ratio of 7.28, the valuation of 1ACA can be described as very cheap.
Based on the Price/Forward Earnings ratio, 1ACA is valued cheaper than 92.92% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of 1ACA to the average of the S&P500 Index (23.56), we can say 1ACA is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.12 | ||
| Fwd PE | 7.28 |
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)1.69
PEG (5Y)0.79
EPS Next 2Y4.14%
EPS Next 3Y4.71%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 6.53%, 1ACA is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 4.84, 1ACA pays a better dividend. On top of this 1ACA pays more dividend than 80.53% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.31, 1ACA pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.53% |
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
The dividend of 1ACA is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP0%
EPS Next 2Y4.14%
EPS Next 3Y4.71%
BIT:1ACA (12/8/2025, 7:00:00 PM)
16.875
+0.29 (+1.72%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners8.61%
Inst Owner ChangeN/A
Ins Owners0%
Ins Owner ChangeN/A
Market Cap51.06B
Revenue(TTM)57.18B
Net Income(TTM)10.60B
Analysts68.57
Price Target19.42 (15.08%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.53% |
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)4.23%
PT rev (3m)3.57%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)-0.16%
EPS NY rev (3m)3.67%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0.02%
Revenue NY rev (3m)0.04%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.12 | ||
| Fwd PE | 7.28 | ||
| P/S | 0.69 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.68 | ||
| P/tB | 0.93 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.37
EY14.04%
EPS(NY)2.32
Fwd EY13.74%
FCF(TTM)-5.61
FCFYN/A
OCF(TTM)-5.26
OCFYN/A
SpS24.52
BVpS24.69
TBVpS18.19
PEG (NY)1.69
PEG (5Y)0.79
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
WACC5.68%
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 Y4.22%
EPS Next 2Y4.14%
EPS Next 3Y4.71%
EPS Next 5Y4.72%
Revenue 1Y (TTM)8%
Revenue growth 3Y-10.74%
Revenue growth 5Y-6.66%
Sales Q2Q%5.64%
Revenue Next Year3.35%
Revenue Next 2Y2.62%
Revenue Next 3Y2.94%
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 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 4.22% in the next year.