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

Europe • Euronext Milan • BIT:1ACA • FR0000045072

18.735 EUR
+0.47 (+2.6%)
Last: Feb 3, 2026, 07:00 PM
Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to 1ACA. 1ACA was compared to 111 industry peers in the Banks industry. Both the profitability and financial health of 1ACA have multiple concerns. 1ACA has a correct valuation and a medium growth rate. Finally 1ACA also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

3

1. Profitability

1.1 Basic Checks

  • 1ACA had positive earnings in the past year.
  • 1ACA had a positive operating cash flow in the past year.
  • 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20B -20B 40B

1.2 Ratios

  • The Return On Assets of 1ACA (0.42%) is worse than 77.48% of its industry peers.
  • 1ACA has a Return On Equity of 12.93%. This is in the better half of the industry: 1ACA outperforms 63.06% of its industry peers.
Industry RankSector Rank
ROA 0.42%
ROE 12.93%
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8

1.3 Margins

  • 1ACA has a worse Profit Margin (18.39%) than 70.27% of its industry peers.
  • 1ACA's Profit Margin has improved in the last couple of years.
  • 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) 18.39%
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

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1

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.
  • 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.
1ACA.MI Yearly Shares Outstanding1ACA.MI Yearly Shares OutstandingYearly Shares Outstanding 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 500B 1T 1.5T 2T

2.2 Solvency

  • The Debt to FCF ratio of 1ACA is 101.06, which is on the high side as it means it would take 1ACA, 101.06 years of fcf income to pay off all of its debts.
  • 1ACA's Debt to FCF ratio of 101.06 is in line compared to the rest of the industry. 1ACA outperforms 59.46% of its industry peers.
  • 1ACA has a Debt/Equity ratio of 4.59. This is a high value indicating a heavy dependency on external financing.
  • Looking at the Debt to Equity ratio, with a value of 4.59, 1ACA is doing worse than 88.29% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 4.59
Debt/FCF 101.06
Altman-Z N/A
ROIC/WACCN/A
WACC5.63%
1ACA.MI Yearly LT Debt VS Equity VS FCF1ACA.MI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 50B 100B 150B

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4

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.
  • 1ACA shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -16.06%.
  • The Revenue has been decreasing by -6.66% on average over the past years.
EPS 1Y (TTM)21.66%
EPS 3Y8.15%
EPS 5Y8.99%
EPS Q2Q%3.92%
Revenue 1Y (TTM)-16.06%
Revenue growth 3Y-10.74%
Revenue growth 5Y-6.66%
Sales Q2Q%5.64%

3.2 Future

  • The Earnings Per Share is expected to grow by 4.72% on average over the next years.
  • 1ACA is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.16% yearly.
EPS Next Y3.38%
EPS Next 2Y4.31%
EPS Next 3Y4.93%
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.
  • 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 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 0.5 1 1.5 2 2.5

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6

4. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 7.91, 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 91.89% of the companies listed in the same industry.
  • When comparing the Price/Earnings ratio of 1ACA to the average of the S&P500 Index (28.18), we can say 1ACA is valued rather cheaply.
  • A Price/Forward Earnings ratio of 8.05 indicates a reasonable valuation of 1ACA.
  • Based on the Price/Forward Earnings ratio, 1ACA is valued cheaper than 95.50% of the companies in the same industry.
  • When comparing the Price/Forward Earnings ratio of 1ACA to the average of the S&P500 Index (25.51), we can say 1ACA is valued rather cheaply.
Industry RankSector Rank
PE 7.91
Fwd PE 8.05
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 25

4.2 Price Multiples

  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of 1ACA indicates a somewhat cheap valuation: 1ACA is cheaper than 64.86% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 16.51
EV/EBITDA N/A
1ACA.MI Per share data1ACA.MI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20

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)2.34
PEG (5Y)0.88
EPS Next 2Y4.31%
EPS Next 3Y4.93%

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7

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 6.08%, 1ACA is a good candidate for dividend investing.
  • 1ACA's Dividend Yield is rather good when compared to the industry average which is at 4.10. 1ACA pays more dividend than 80.18% of the companies in the same industry.
  • 1ACA's Dividend Yield is rather good when compared to the S&P500 average which is at 1.83.
Industry RankSector Rank
Dividend Yield 6.08%

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

  • 1ACA's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP0%
EPS Next 2Y4.31%
EPS Next 3Y4.93%
1ACA.MI Yearly Income VS Free CF VS Dividend1ACA.MI Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20B -20B 40B

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CREDIT AGRICOLE SA

BIT:1ACA (2/3/2026, 7:00:00 PM)

18.735

+0.47 (+2.6%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-30
Earnings (Next)02-04
Inst Owners8.65%
Inst Owner ChangeN/A
Ins Owners0%
Ins Owner ChangeN/A
Market Cap56.69B
Revenue(TTM)59.25B
Net Income(TTM)9.76B
Analysts68.57
Price Target19.49 (4.03%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 6.08%
Yearly DividendN/A
Dividend Growth(5Y)73.8%
DP0%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)8.76%
Min EPS beat(2)-8.73%
Max EPS beat(2)26.25%
EPS beat(4)3
Avg EPS beat(4)10.29%
Min EPS beat(4)-8.73%
Max EPS beat(4)26.25%
EPS beat(8)6
Avg EPS beat(8)7.13%
EPS beat(12)9
Avg EPS beat(12)18%
EPS beat(16)13
Avg EPS beat(16)19.98%
Revenue beat(2)0
Avg Revenue beat(2)-0.71%
Min Revenue beat(2)-1.16%
Max Revenue beat(2)-0.27%
Revenue beat(4)1
Avg Revenue beat(4)1%
Min Revenue beat(4)-2.67%
Max Revenue beat(4)8.1%
Revenue beat(8)3
Avg Revenue beat(8)0.67%
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)1.52%
PT rev (3m)4.58%
EPS NQ rev (1m)0%
EPS NQ rev (3m)1.12%
EPS NY rev (1m)-0.76%
EPS NY rev (3m)2.79%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.44%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.67%
Valuation
Industry RankSector Rank
PE 7.91
Fwd PE 8.05
P/S 1.07
P/FCF 16.51
P/OCF 12.53
P/B 0.75
P/tB 1.01
EV/EBITDA N/A
EPS(TTM)2.37
EY12.65%
EPS(NY)2.33
Fwd EY12.42%
FCF(TTM)1.13
FCFY6.06%
OCF(TTM)1.5
OCFY7.98%
SpS17.55
BVpS24.96
TBVpS18.5
PEG (NY)2.34
PEG (5Y)0.88
Graham Number36.48
Profitability
Industry RankSector Rank
ROA 0.42%
ROE 12.93%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 18.39%
GM N/A
FCFM 6.47%
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-Score5
Asset Turnover0.02
Health
Industry RankSector Rank
Debt/Equity 4.59
Debt/FCF 101.06
Debt/EBITDA N/A
Cap/Depr 83.94%
Cap/Sales 2.06%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 35.16%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC5.63%
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 Y3.38%
EPS Next 2Y4.31%
EPS Next 3Y4.93%
EPS Next 5Y4.72%
Revenue 1Y (TTM)-16.06%
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 1Y105.99%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y108.02%
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 6 / 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 3 / 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 7.91 and the Price/Book (PB) ratio is 0.75.


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%.