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CREDIT AGRICOLE SA (ACA.PA) Stock Fundamental Analysis

EPA:ACA - Euronext Paris - Matif - FR0000045072 - Common Stock - Currency: EUR

17.035  -0.05 (-0.32%)

Fundamental Rating

2

Taking everything into account, ACA scores 2 out of 10 in our fundamental rating. ACA was compared to 93 industry peers in the Banks industry. ACA has a bad profitability rating. Also its financial health evaluation is rather negative. ACA has a correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

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2

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.
In the past 5 years ACA has always been profitable.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20B -20B 40B

1.2 Ratios

With a Return On Assets value of 0.43%, ACA is not doing good in the industry: 67.74% of the companies in the same industry are doing better.
With a decent Return On Equity value of 13.27%, ACA is doing good in the industry, outperforming 70.97% of the companies in the same industry.
Industry RankSector Rank
ROA 0.43%
ROE 13.27%
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
ACA.PA Yearly ROA, ROE, ROICACA.PA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8

1.3 Margins

With a Profit Margin value of 13.36%, ACA is not doing good in the industry: 74.19% of the companies in the same industry are doing better.
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 RankSector Rank
OM N/A
PM (TTM) 13.36%
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
ACA.PA Yearly Profit, Operating, Gross MarginsACA.PA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

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0

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.
ACA.PA Yearly Shares OutstandingACA.PA Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B
ACA.PA Yearly Total Debt VS Total AssetsACA.PA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500B 1T 1.5T 2T

2.2 Solvency

ACA has a Debt/Equity ratio of 4.63. This is a high value indicating a heavy dependency on external financing.
With a Debt to Equity ratio value of 4.63, ACA is not doing good in the industry: 81.72% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 4.63
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC5.16%
ACA.PA Yearly LT Debt VS Equity VS FCFACA.PA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 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
ACA.PA Yearly Current Assets VS Current LiabilitesACA.PA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20B 40B 60B

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4

3. Growth

3.1 Past

ACA shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 21.48%, which is quite impressive.
ACA shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 8.99% yearly.
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)21.48%
EPS 3Y8.15%
EPS 5Y8.99%
EPS Q2Q%54.29%
Revenue 1Y (TTM)8%
Revenue growth 3Y-10.74%
Revenue growth 5Y-6.66%
Sales Q2Q%18.19%

3.2 Future

Based on estimates for the next years, ACA will show a decrease in Earnings Per Share. The EPS will decrease by -4.53% on average per year.
The Revenue is expected to grow by 1.26% on average over the next years.
EPS Next Y-1.64%
EPS Next 2Y2.04%
EPS Next 3Y2.91%
EPS Next 5Y-4.53%
Revenue Next Year3.45%
Revenue Next 2Y3.26%
Revenue Next 3Y3.06%
Revenue Next 5Y1.26%

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.
ACA.PA Yearly Revenue VS EstimatesACA.PA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 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 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 0.5 1 1.5 2

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4

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 7.96, which indicates a rather cheap valuation of ACA.
ACA's Price/Earnings ratio is a bit cheaper when compared to the industry. ACA is cheaper than 72.04% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 28.80, ACA is valued rather cheaply.
A Price/Forward Earnings ratio of 8.10 indicates a reasonable valuation of ACA.
ACA's Price/Forward Earnings ratio is rather cheap when compared to the industry. ACA is cheaper than 80.65% of the companies in the same industry.
ACA's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 21.91.
Industry RankSector Rank
PE 7.96
Fwd PE 8.1
ACA.PA Price Earnings VS Forward Price EarningsACA.PA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
ACA.PA Per share dataACA.PA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 10 20

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)0.89
EPS Next 2Y2.04%
EPS Next 3Y2.91%

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6

5. Dividend

5.1 Amount

ACA has a Yearly Dividend Yield of 6.50%, which is a nice return.
ACA's Dividend Yield is a higher than the industry average which is at 5.27.
ACA's Dividend Yield is rather good when compared to the S&P500 average which is at 2.39.
Industry RankSector Rank
Dividend Yield 6.5%

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 Years0
Div Non Decr Years3
ACA.PA Yearly Dividends per shareACA.PA Yearly Dividends per shareYearly Dividends per share 2019 2021 2022 2023 2024 0.2 0.4 0.6 0.8 1

5.3 Sustainability

DP0%
EPS Next 2Y2.04%
EPS Next 3Y2.91%
ACA.PA Yearly Income VS Free CF VS DividendACA.PA Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20B -20B 40B

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CREDIT AGRICOLE SA

EPA:ACA (3/28/2025, 1:31:55 PM)

17.035

-0.05 (-0.32%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-05 2025-02-05/bmo
Earnings (Next)04-30 2025-04-30
Inst Owners8.67%
Inst Owner ChangeN/A
Ins Owners0%
Ins Owner ChangeN/A
Market Cap51.55B
Analysts69.09
Price Target17.46 (2.49%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 6.5%
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%
PT rev (3m)5.06%
EPS NQ rev (1m)2.73%
EPS NQ rev (3m)2.73%
EPS NY rev (1m)0%
EPS NY rev (3m)3.15%
Revenue NQ rev (1m)2.41%
Revenue NQ rev (3m)2.44%
Revenue NY rev (1m)-0.04%
Revenue NY rev (3m)1.25%
Valuation
Industry RankSector Rank
PE 7.96
Fwd PE 8.1
P/S 0.69
P/FCF N/A
P/OCF N/A
P/B 0.69
P/tB 0.94
EV/EBITDA N/A
EPS(TTM)2.14
EY12.56%
EPS(NY)2.1
Fwd EY12.34%
FCF(TTM)-5.61
FCFYN/A
OCF(TTM)-5.26
OCFYN/A
SpS24.52
BVpS24.69
TBVpS18.19
PEG (NY)N/A
PEG (5Y)0.89
Profitability
Industry RankSector Rank
ROA 0.43%
ROE 13.27%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 13.36%
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 RankSector 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
WACC5.16%
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)21.48%
EPS 3Y8.15%
EPS 5Y8.99%
EPS Q2Q%54.29%
EPS Next Y-1.64%
EPS Next 2Y2.04%
EPS Next 3Y2.91%
EPS Next 5Y-4.53%
Revenue 1Y (TTM)8%
Revenue growth 3Y-10.74%
Revenue growth 5Y-6.66%
Sales Q2Q%18.19%
Revenue Next Year3.45%
Revenue Next 2Y3.26%
Revenue Next 3Y3.06%
Revenue Next 5Y1.26%
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