CREDIT AGRICOLE SA (ACA.PA) Stock Fundamental Analysis
Europe - Euronext Paris - EPA:ACA - FR0000045072 - Common Stock
17.28 EUR
+0.03 (+0.14%)
Taking everything into account, ACA scores 3 out of 10 in our fundamental rating. ACA was compared to 111 industry peers in the Banks industry. Both the profitability and financial health of ACA have multiple concerns. ACA has a decent growth rate and is not valued too expensively. ACA also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
- In the past year ACA was profitable.
- In the past year ACA had a positive cash flow from operations.
- ACA had positive earnings in each of the past 5 years.
- The reported operating cash flow has been mixed in the past 5 years: ACA reported negative operating cash flow in multiple years.
1.2 Ratios
- The Return On Assets of ACA (0.42%) is worse than 78.38% of its industry peers.
- ACA has a Return On Equity of 12.93%. This is in the better half of the industry: ACA outperforms 61.26% of its industry peers.
| Industry Rank | Sector 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
1.3 Margins
- ACA's Profit Margin of 18.39% is on the low side compared to the rest of the industry. ACA is outperformed by 70.27% 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) | 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
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.
- Compared to 5 years ago, ACA has more shares outstanding
- Compared to 1 year ago, ACA has a worse debt to assets ratio.
2.2 Solvency
- The Debt to FCF ratio of ACA is 101.06, which is on the high side as it means it would take ACA, 101.06 years of fcf income to pay off all of its debts.
- ACA has a Debt to FCF ratio (101.06) which is comparable to the rest of the industry.
- ACA has a Debt/Equity ratio of 4.59. This is a high value indicating a heavy dependency on external financing.
- ACA has a worse Debt to Equity ratio (4.59) than 90.09% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.59 | ||
| Debt/FCF | 101.06 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC5.52%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- The Earnings Per Share has grown by an impressive 21.66% over the past year.
- 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.
- The Revenue for ACA has decreased by -16.06% in the past year. This is quite bad
- 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
- ACA is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 4.72% yearly.
- Based on estimates for the next years, ACA will show a small growth in Revenue. The Revenue will grow by 3.16% on average per year.
EPS Next Y4.18%
EPS Next 2Y4.18%
EPS Next 3Y4.79%
EPS Next 5Y4.72%
Revenue Next Year3.95%
Revenue Next 2Y2.88%
Revenue Next 3Y3.07%
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
- A Price/Earnings ratio of 7.29 indicates a rather cheap valuation of ACA.
- ACA's Price/Earnings ratio is rather cheap when compared to the industry. ACA is cheaper than 92.79% of the companies in the same industry.
- Compared to an average S&P500 Price/Earnings ratio of 27.32, ACA is valued rather cheaply.
- With a Price/Forward Earnings ratio of 7.45, the valuation of ACA can be described as very cheap.
- 95.50% of the companies in the same industry are more expensive than ACA, based on the Price/Forward Earnings ratio.
- ACA's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 24.30.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.29 | ||
| Fwd PE | 7.45 |
4.2 Price Multiples
- Compared to the rest of the industry, the Price/Free Cash Flow ratio of ACA indicates a somewhat cheap valuation: ACA is cheaper than 68.47% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 15.23 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- ACA's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.75
PEG (5Y)0.81
EPS Next 2Y4.18%
EPS Next 3Y4.79%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 6.24%, ACA is a good candidate for dividend investing.
- ACA's Dividend Yield is rather good when compared to the industry average which is at 4.03. ACA pays more dividend than 83.78% of the companies in the same industry.
- Compared to an average S&P500 Dividend Yield of 1.86, ACA pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.24% |
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 2Y4.18%
EPS Next 3Y4.79%
EPA:ACA (1/21/2026, 7:00:00 PM)
17.28
+0.03 (+0.14%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-30 2025-10-30/dmh
Earnings (Next)02-04 2026-02-04/amc
Inst Owners8.65%
Inst Owner ChangeN/A
Ins Owners0%
Ins Owner ChangeN/A
Market Cap52.29B
Revenue(TTM)59.25B
Net Income(TTM)9.76B
Analysts68.57
Price Target19.43 (12.44%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.24% |
Yearly DividendN/A
Dividend Growth(5Y)73.8%
DP0%
Div Incr Years1
Div Non Decr Years4
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)6
Avg Revenue beat(12)16.32%
Revenue beat(16)10
Avg Revenue beat(16)77.18%
PT rev (1m)0.35%
PT rev (3m)3.51%
EPS NQ rev (1m)0%
EPS NQ rev (3m)1.12%
EPS NY rev (1m)-0.04%
EPS NY rev (3m)3.58%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.44%
Revenue NY rev (1m)0.58%
Revenue NY rev (3m)0.67%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.29 | ||
| Fwd PE | 7.45 | ||
| P/S | 0.98 | ||
| P/FCF | 15.23 | ||
| P/OCF | 11.56 | ||
| P/B | 0.69 | ||
| P/tB | 0.93 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.37
EY13.72%
EPS(NY)2.32
Fwd EY13.43%
FCF(TTM)1.13
FCFY6.57%
OCF(TTM)1.5
OCFY8.65%
SpS17.55
BVpS24.96
TBVpS18.5
PEG (NY)1.75
PEG (5Y)0.81
Graham Number36.48
Profitability
| Industry Rank | Sector 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 Rank | Sector 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
WACC5.52%
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 Y4.18%
EPS Next 2Y4.18%
EPS Next 3Y4.79%
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 / ACA.PA 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 6 / 10 to CREDIT AGRICOLE SA (ACA.PA). This can be considered as Fairly Valued.
How profitable is CREDIT AGRICOLE SA (ACA.PA) stock?
CREDIT AGRICOLE SA (ACA.PA) 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 (ACA.PA) is 7.29 and the Price/Book (PB) ratio is 0.69.
How financially healthy is CREDIT AGRICOLE SA?
The financial health rating of CREDIT AGRICOLE SA (ACA.PA) is 1 / 10.