CREDIT AGRICOLE SA(EPA:ACA) stock Fundamental Analysis

Fundamental Rating

Taking everything into account, ACA scores 2 out of 10 in our fundamental rating. ACA was compared to 92 industry peers in the Banks industry. Both the profitability and financial health of ACA have multiple concerns. ACA is valued correctly, but it does not seem to be growing.

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1. Profitability

1.1 Basic Checks

ACA had positive earnings in the past year.

In the past year ACA has reported a negative cash flow from operations.

ACA had positive earnings in each of the past 5 years.

In multiple years ACA reported negative operating cash flow during the last 5 years.

1.2 Ratios

ACA has a Return On Assets of 0.46%. This is in the lower half of the industry: ACA underperforms 69.57% of its industry peers.

The Return On Equity of ACA (14.18%) is better than 76.09% 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

ACA has a Profit Margin of 14.28%. This is in the lower half of the industry: ACA underperforms 76.09% of its industry peers.

ACA's Profit Margin has improved in the last couple of years.

The Operating Margin and Gross Margin are not available for ACA 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

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

ACA does not have a ROIC to compare to the WACC, probably because it is not profitable.

The number of shares outstanding for ACA remains at a similar level compared to 1 year ago.

The number of shares outstanding for ACA has been increased compared to 5 years ago.

The debt/assets ratio for ACA is higher compared to a year ago.

2.2 Solvency

ACA has a Debt/Equity ratio of 4.63. This is a high value indicating a heavy dependency on external financing.

ACA has a Debt to Equity ratio of 4.63. This is amonst the worse of the industry: ACA underperforms 86.96% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	4.63
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC5.41%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

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Altman-Z score

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3. Growth

3.1 Past

ACA shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 15.16%, which is quite good.

Measured over the past years, ACA shows a quite strong growth in Earnings Per Share. The EPS has been growing by 8.99% on average per year.

ACA shows a small growth in Revenue. In the last year, the Revenue has grown by 8.00%.

Measured over the past years, ACA shows a decrease in Revenue. The Revenue has been decreasing by -6.66% on average per year.

EPS 1Y (TTM)15.16%

EPS 3Y8.15%

EPS 5Y8.99%

EPS Q2Q%9.8%

Revenue 1Y (TTM)8%

Revenue growth 3Y-10.74%

Revenue growth 5Y-6.66%

Sales Q2Q%6.75%

3.2 Future

The Earnings Per Share is expected to decrease by -4.47% on average over the next years.

Based on estimates for the next years, ACA will show a small growth in Revenue. The Revenue will grow by 1.52% on average per year.

EPS Next Y-0.51%

EPS Next 2Y2.19%

EPS Next 3Y3.08%

EPS Next 5Y-4.47%

Revenue Next Year3.54%

Revenue Next 2Y2.99%

Revenue Next 3Y2.97%

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.

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4. Valuation

4.1 Price/Earnings Ratio

ACA is valuated cheaply with a Price/Earnings ratio of 7.44.

Based on the Price/Earnings ratio, ACA is valued a bit cheaper than the industry average as 77.17% of the companies are valued more expensively.

Compared to an average S&P500 Price/Earnings ratio of 25.91, ACA is valued rather cheaply.

A Price/Forward Earnings ratio of 7.30 indicates a rather cheap valuation of ACA.

ACA's Price/Forward Earnings ratio is rather cheap when compared to the industry. ACA is cheaper than 86.96% of the companies in the same industry.

The average S&P500 Price/Forward Earnings ratio is at 21.77. ACA is valued rather cheaply when compared to this.

		Industry Rank	Sector Rank
PE	7.44
Fwd PE	7.3

4.2 Price Multiples

		Industry Rank	Sector Rank
P/FCF	N/A
EV/EBITDA	N/A

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)0.83

EPS Next 2Y2.19%

EPS Next 3Y3.08%

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5. Dividend

5.1 Amount

ACA has a Yearly Dividend Yield of 6.26%, which is a nice return.

Compared to an average industry Dividend Yield of 5.03, ACA pays a bit more dividend than its industry peers.

Compared to an average S&P500 Dividend Yield of 2.40, ACA pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	6.26%

5.2 History

The dividend of ACA is nicely growing with an annual growth rate of 73.80%!

Dividend Growth(5Y)73.8%

Div Incr Years0

Div Non Decr Years3

5.3 Sustainability

DP0%

EPS Next 2Y2.19%

EPS Next 3Y3.08%

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CREDIT AGRICOLE SA

EPA:ACA (5/27/2025, 5:36:15 PM)

16.29

-0.03 (-0.18%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)04-30 2025-04-30/bmo

Earnings (Next)07-31 2025-07-31

Inst Owners8.67%

Inst Owner ChangeN/A

Ins Owners0%

Ins Owner ChangeN/A

Market Cap49.29B

Analysts70.48

Price Target17.88 (9.76%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	6.26%

Yearly Dividend1.05

Dividend Growth(5Y)73.8%

DP0%

Div Incr Years0

Div Non Decr Years3

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)5

Avg Revenue beat(8)2.23%

Revenue beat(12)8

Avg Revenue beat(12)55.95%

Revenue beat(16)12

Avg Revenue beat(16)121.65%

PT rev (1m)-0.95%

PT rev (3m)2.37%

EPS NQ rev (1m)0%

EPS NQ rev (3m)10.45%

EPS NY rev (1m)0%

EPS NY rev (3m)1.15%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)3.64%

Revenue NY rev (1m)-0.58%

Revenue NY rev (3m)0.05%

Valuation

		Industry Rank	Sector Rank
PE	7.44
Fwd PE	7.3
P/S	0.66
P/FCF	N/A
P/OCF	N/A
P/B	0.66
P/tB	0.9
EV/EBITDA	N/A

EPS(TTM)2.19

EY13.44%

EPS(NY)2.23

Fwd EY13.71%

FCF(TTM)-5.61

FCFYN/A

OCF(TTM)-5.26

OCFYN/A

SpS24.52

BVpS24.69

TBVpS18.19

PEG (NY)N/A

PEG (5Y)0.83

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

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 Rank	Sector 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

WACC5.41%

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)15.16%

EPS 3Y8.15%

EPS 5Y8.99%

EPS Q2Q%9.8%

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%6.75%

Revenue Next Year3.54%

Revenue Next 2Y2.99%

Revenue Next 3Y2.97%

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

CREDIT AGRICOLE SA (ACA.PA) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

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4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

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5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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