CREDIT AGRICOLE SA (ACA.PA) Fundamental Analysis & Valuation

EPA:ACA • FR0000045072

Current stock price

17.355 EUR
-0.01 (-0.06%)
Last:

This ACA.PA fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

2

1. ACA.PA Profitability Analysis

1.1 Basic Checks

  • ACA had positive earnings in the past year.
  • ACA had a positive operating cash flow in the past year.
  • 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.
ACA.PA Yearly Net Income VS EBIT VS OCF VS FCFACA.PA 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 2025 0 20B -20B 40B

1.2 Ratios

  • ACA has a worse Return On Assets (0.40%) than 80.91% of its industry peers.
  • ACA has a Return On Equity (12.13%) which is comparable to the rest of the industry.
Industry RankSector Rank
ROA 0.4%
ROE 12.13%
ROIC N/A
ROA(3y)0.27%
ROA(5y)0.26%
ROE(3y)8.43%
ROE(5y)8.14%
ROIC(3y)N/A
ROIC(5y)N/A
ACA.PA Yearly ROA, ROE, ROICACA.PA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8

1.3 Margins

  • ACA has a Profit Margin of 15.16%. This is amonst the worse of the industry: ACA underperforms 82.73% of its industry peers.
  • In the last couple of years the Profit Margin of ACA has grown nicely.
  • ACA 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) 15.16%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-3.19%
PM growth 5Y24.15%
GM growth 3YN/A
GM growth 5YN/A
ACA.PA Yearly Profit, Operating, Gross MarginsACA.PA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8 10

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2

2. ACA.PA Health Analysis

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.
  • The debt/assets ratio for ACA has been reduced compared to a year ago.
ACA.PA Yearly Shares OutstandingACA.PA Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B
ACA.PA Yearly Total Debt VS Total AssetsACA.PA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500B 1T 1.5T 2T

2.2 Solvency

  • ACA has a debt to FCF ratio of 17.97. This is a negative value and a sign of low solvency as ACA would need 17.97 years to pay back of all of its debts.
  • The Debt to FCF ratio of ACA (17.97) is better than 62.73% of its industry peers.
  • ACA has a Debt/Equity ratio of 4.14. This is a high value indicating a heavy dependency on external financing.
  • ACA has a Debt to Equity ratio of 4.14. This is amonst the worse of the industry: ACA underperforms 89.09% of its industry peers.
Industry RankSector Rank
Debt/Equity 4.14
Debt/FCF 17.97
Altman-Z N/A
ROIC/WACCN/A
WACC5.42%
ACA.PA Yearly LT Debt VS Equity VS FCFACA.PA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 50B 100B 150B 200B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
ACA.PA Yearly Current Assets VS Current LiabilitesACA.PA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50B 100B 150B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

3. ACA.PA Growth Analysis

3.1 Past

  • The earnings per share for ACA have decreased by -7.68% in the last year.
  • The Earnings Per Share has been growing by 10.47% on average over the past years. This is quite good.
  • The Revenue for ACA has decreased by -16.29% in the past year. This is quite bad
  • Measured over the past years, ACA shows a decrease in Revenue. The Revenue has been decreasing by -0.72% on average per year.
EPS 1Y (TTM)-7.68%
EPS 3Y5.73%
EPS 5Y10.47%
EPS Q2Q%-73.35%
Revenue 1Y (TTM)-16.29%
Revenue growth 3Y14.11%
Revenue growth 5Y-0.72%
Sales Q2Q%40.12%

3.2 Future

  • ACA is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 9.96% yearly.
  • The Revenue is expected to grow by 2.88% on average over the next years.
EPS Next Y19.4%
EPS Next 2Y12.54%
EPS Next 3Y9.96%
EPS Next 5YN/A
Revenue Next Year1.42%
Revenue Next 2Y2.64%
Revenue Next 3Y2.88%
Revenue Next 5YN/A

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 stable.
  • 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.
ACA.PA Yearly Revenue VS EstimatesACA.PA 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
ACA.PA Yearly EPS VS EstimatesACA.PA 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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7

4. ACA.PA Valuation Analysis

4.1 Price/Earnings Ratio

  • ACA is valuated reasonably with a Price/Earnings ratio of 8.81.
  • Compared to the rest of the industry, the Price/Earnings ratio of ACA indicates a rather cheap valuation: ACA is cheaper than 84.55% of the companies listed in the same industry.
  • The average S&P500 Price/Earnings ratio is at 27.38. ACA is valued rather cheaply when compared to this.
  • ACA is valuated cheaply with a Price/Forward Earnings ratio of 7.36.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of ACA indicates a rather cheap valuation: ACA is cheaper than 96.36% of the companies listed in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 38.20. ACA is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 8.81
Fwd PE 7.36
ACA.PA Price Earnings VS Forward Price EarningsACA.PA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of ACA indicates a rather cheap valuation: ACA is cheaper than 85.45% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 2.93
EV/EBITDA N/A
ACA.PA Per share dataACA.PA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20 25

4.3 Compensation for Growth

  • The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.45
PEG (5Y)0.84
EPS Next 2Y12.54%
EPS Next 3Y9.96%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

7

5. ACA.PA Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 6.57%, ACA is a good candidate for dividend investing.
  • ACA's Dividend Yield is rather good when compared to the industry average which is at 4.56. ACA pays more dividend than 83.64% of the companies in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.82, ACA pays a better dividend.
Industry RankSector Rank
Dividend Yield 6.57%

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 Years2
Div Non Decr Years5
ACA.PA Yearly Dividends per shareACA.PA Yearly Dividends per shareYearly Dividends per share 2019 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6 0.8 1

5.3 Sustainability

  • ACA's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP0%
EPS Next 2Y12.54%
EPS Next 3Y9.96%
ACA.PA Yearly Income VS Free CF VS DividendACA.PA Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20B -20B 40B

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ACA.PA Fundamentals: All Metrics, Ratios and Statistics

CREDIT AGRICOLE SA

EPA:ACA (4/15/2026, 7:00:00 PM)

17.355

-0.01 (-0.06%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-04
Earnings (Next)04-30
Inst Owners8.82%
Inst Owner ChangeN/A
Ins Owners0%
Ins Owner ChangeN/A
Market Cap52.51B
Revenue(TTM)62.11B
Net Income(TTM)9.42B
Analysts70.91
Price Target20.81 (19.91%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 6.57%
Yearly DividendN/A
Dividend Growth(5Y)73.8%
DP0%
Div Incr Years2
Div Non Decr Years5
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-30.65%
Min EPS beat(2)-60.94%
Max EPS beat(2)-0.35%
EPS beat(4)1
Avg EPS beat(4)-10.94%
Min EPS beat(4)-60.94%
Max EPS beat(4)26.25%
EPS beat(8)5
Avg EPS beat(8)-0.57%
EPS beat(12)8
Avg EPS beat(12)7.74%
EPS beat(16)11
Avg EPS beat(16)14.59%
Revenue beat(2)2
Avg Revenue beat(2)23.3%
Min Revenue beat(2)0.47%
Max Revenue beat(2)46.14%
Revenue beat(4)2
Avg Revenue beat(4)11.29%
Min Revenue beat(4)-1.16%
Max Revenue beat(4)46.14%
Revenue beat(8)5
Avg Revenue beat(8)6.97%
Revenue beat(12)7
Avg Revenue beat(12)5.25%
Revenue beat(16)10
Avg Revenue beat(16)44.79%
PT rev (1m)-0.14%
PT rev (3m)7.07%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-1.33%
EPS NY rev (1m)-0.22%
EPS NY rev (3m)1.56%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-3.21%
Revenue NY rev (1m)0.02%
Revenue NY rev (3m)-0.2%
Valuation
Industry RankSector Rank
PE 8.81
Fwd PE 7.36
P/S 0.85
P/FCF 2.93
P/OCF 2.76
P/B 0.68
P/tB 0.91
EV/EBITDA N/A
EPS(TTM)1.97
EY11.35%
EPS(NY)2.36
Fwd EY13.58%
FCF(TTM)5.91
FCFY34.08%
OCF(TTM)6.28
OCFY36.2%
SpS20.53
BVpS25.67
TBVpS19.12
PEG (NY)0.45
PEG (5Y)0.84
Graham Number33.7288 (94.35%)
Profitability
Industry RankSector Rank
ROA 0.4%
ROE 12.13%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 15.16%
GM N/A
FCFM 28.81%
ROA(3y)0.27%
ROA(5y)0.26%
ROE(3y)8.43%
ROE(5y)8.14%
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 3Y-3.19%
PM growth 5Y24.15%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 4.14
Debt/FCF 17.97
Debt/EBITDA N/A
Cap/Depr 83.17%
Cap/Sales 1.8%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 190.01%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC5.42%
ROIC/WACCN/A
Cap/Depr(3y)82%
Cap/Depr(5y)83.03%
Cap/Sales(3y)1.78%
Cap/Sales(5y)1.79%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-7.68%
EPS 3Y5.73%
EPS 5Y10.47%
EPS Q2Q%-73.35%
EPS Next Y19.4%
EPS Next 2Y12.54%
EPS Next 3Y9.96%
EPS Next 5YN/A
Revenue 1Y (TTM)-16.29%
Revenue growth 3Y14.11%
Revenue growth 5Y-0.72%
Sales Q2Q%40.12%
Revenue Next Year1.42%
Revenue Next 2Y2.64%
Revenue Next 3Y2.88%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year21.07%
EBIT Next 3Y9.53%
EBIT Next 5YN/A
FCF growth 1Y205.4%
FCF growth 3Y248.99%
FCF growth 5Y-20.55%
OCF growth 1Y219.51%
OCF growth 3Y135.1%
OCF growth 5Y-19.8%

CREDIT AGRICOLE SA / ACA.PA Fundamental Analysis FAQ

Can you provide the ChartMill fundamental rating for CREDIT AGRICOLE SA?

ChartMill assigns a fundamental rating of 3 / 10 to ACA.PA.


Can you provide the valuation status for CREDIT AGRICOLE SA?

ChartMill assigns a valuation rating of 7 / 10 to CREDIT AGRICOLE SA (ACA.PA). This can be considered as Undervalued.


What is the profitability of ACA stock?

CREDIT AGRICOLE SA (ACA.PA) has a profitability rating of 2 / 10.


What is the expected EPS growth for CREDIT AGRICOLE SA (ACA.PA) stock?

The Earnings per Share (EPS) of CREDIT AGRICOLE SA (ACA.PA) is expected to grow by 19.4% in the next year.


Can you provide the dividend sustainability for ACA stock?

The dividend rating of CREDIT AGRICOLE SA (ACA.PA) is 7 / 10 and the dividend payout ratio is 0%.