ACA Fundamental Analysis - CREDIT AGRICOLE SA

Fundamental Rating

Overall ACA gets a fundamental rating of 2 out of 10. We evaluated ACA against 91 industry peers in the Banks industry. Both the profitability and financial health of ACA have multiple concerns. ACA has a valuation in line with the averages, but on the other hand it scores bad on growth. Finally ACA also has an excellent dividend rating.

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1. Profitability

1.1 Basic Checks

In the past year ACA was profitable.

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

Each year in the past 5 years ACA has been profitable.

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

1.2 Ratios

With a Return On Assets value of 0.46%, ACA is not doing good in the industry: 69.23% of the companies in the same industry are doing better.

With a decent Return On Equity value of 14.18%, ACA is doing good in the industry, outperforming 75.82% 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

ACA's Profit Margin of 14.28% is on the low side compared to the rest of the industry. ACA is outperformed by 76.92% 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.

Compared to 1 year ago, ACA has about the same amount of shares outstanding.

ACA has more shares outstanding than it did 5 years ago.

Compared to 1 year ago, ACA has a worse debt to assets ratio.

2.2 Solvency

A Debt/Equity ratio of 4.26 is on the high side and indicates that ACA has dependencies on debt financing.

The Debt to Equity ratio of ACA (4.26) is worse than 85.71% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	4.26
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC5.44%

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

The Earnings Per Share has been growing slightly by 4.18% 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, ACA 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)4.18%

EPS 3Y8.15%

EPS 5Y8.99%

EPS Q2Q%-36.46%

Revenue 1Y (TTM)8%

Revenue growth 3Y-10.74%

Revenue growth 5Y-6.66%

Sales Q2Q%2.93%

3.2 Future

Based on estimates for the next years, ACA will show a small growth in Earnings Per Share. The EPS will grow by 2.05% on average per year.

The Revenue is expected to grow by 1.52% on average over the next years.

EPS Next Y-0.51%

EPS Next 2Y2.19%

EPS Next 3Y3.08%

EPS Next 5Y2.05%

Revenue Next Year3.55%

Revenue Next 2Y2.85%

Revenue Next 3Y3.07%

Revenue Next 5Y1.52%

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.

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4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 8.55, the valuation of ACA can be described as very reasonable.

Based on the Price/Earnings ratio, ACA is valued a bit cheaper than 78.02% of the companies in the same industry.

When comparing the Price/Earnings ratio of ACA to the average of the S&P500 Index (26.48), we can say ACA is valued rather cheaply.

A Price/Forward Earnings ratio of 7.58 indicates a rather cheap valuation of ACA.

Based on the Price/Forward Earnings ratio, ACA is valued cheaply inside the industry as 90.11% of the companies are valued more expensively.

When comparing the Price/Forward Earnings ratio of ACA to the average of the S&P500 Index (34.04), we can say ACA is valued rather cheaply.

		Industry Rank	Sector Rank
PE	8.55
Fwd PE	7.58

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)0.95

EPS Next 2Y2.19%

EPS Next 3Y3.08%

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 6.81%, ACA is a good candidate for dividend investing.

ACA's Dividend Yield is rather good when compared to the industry average which is at 5.02. ACA pays more dividend than 83.52% of the companies in the same industry.

ACA's Dividend Yield is rather good when compared to the S&P500 average which is at 2.40.

		Industry Rank	Sector Rank
Dividend Yield	6.81%

5.2 History

On average, the dividend of ACA grows each year by 73.80%, which is quite nice.

Dividend Growth(5Y)73.8%

Div Incr Years1

Div Non Decr Years4

5.3 Sustainability

The dividend of ACA is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.

DP0%

EPS Next 2Y2.19%

EPS Next 3Y3.08%

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CREDIT AGRICOLE SA

EPA:ACA (8/8/2025, 7:00:00 PM)

16.92

+0.53 (+3.2%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)07-31 2025-07-31/bmo

Earnings (Next)10-30 2025-10-30

Inst Owners7.98%

Inst Owner ChangeN/A

Ins Owners0%

Ins Owner ChangeN/A

Market Cap51.20B

Analysts69.52

Price Target18.21 (7.62%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	6.81%

Yearly Dividend1.05

Dividend Growth(5Y)73.8%

DP0%

Div Incr Years1

Div Non Decr Years4

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)0.7%

PT rev (3m)1.89%

EPS NQ rev (1m)0%

EPS NQ rev (3m)0%

EPS NY rev (1m)0%

EPS NY rev (3m)0%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)0%

Revenue NY rev (1m)0%

Revenue NY rev (3m)-0.58%

Valuation

		Industry Rank	Sector Rank
PE	8.55
Fwd PE	7.58
P/S	0.69
P/FCF	N/A
P/OCF	N/A
P/B	0.69
P/tB	0.93
EV/EBITDA	N/A

EPS(TTM)1.98

EY11.7%

EPS(NY)2.23

Fwd EY13.2%

FCF(TTM)-5.61

FCFYN/A

OCF(TTM)-5.26

OCFYN/A

SpS24.52

BVpS24.69

TBVpS18.19

PEG (NY)N/A

PEG (5Y)0.95

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	4.26
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

WACC5.44%

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)4.18%

EPS 3Y8.15%

EPS 5Y8.99%

EPS Q2Q%-36.46%

EPS Next Y-0.51%

EPS Next 2Y2.19%

EPS Next 3Y3.08%

EPS Next 5Y2.05%

Revenue 1Y (TTM)8%

Revenue growth 3Y-10.74%

Revenue growth 5Y-6.66%

Sales Q2Q%2.93%

Revenue Next Year3.55%

Revenue Next 2Y2.85%

Revenue Next 3Y3.07%

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

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens