ACA Fundamental Analysis - CREDIT AGRICOLE SA

Fundamental Rating

Overall ACA gets a fundamental rating of 2 out of 10. We evaluated ACA against 96 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.

ACA had a negative 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.

1.2 Ratios

ACA has a Return On Assets of 0.46%. This is in the lower half of the industry: ACA underperforms 67.71% of its industry peers.

The Return On Equity of ACA (14.18%) is better than 76.04% 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

The Profit Margin of ACA (14.28%) is worse than 75.00% 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.

ACA's Debt to Equity ratio of 4.26 is on the low side compared to the rest of the industry. ACA is outperformed by 82.29% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	4.26
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

The Earnings Per Share has grown by an nice 15.16% 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.

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

ACA is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -4.47% yearly.

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 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.

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.

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4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 7.12 indicates a rather cheap valuation of ACA.

ACA's Price/Earnings ratio is rather cheap when compared to the industry. ACA is cheaper than 81.25% of the companies in the same industry.

The average S&P500 Price/Earnings ratio is at 26.35. ACA is valued rather cheaply when compared to this.

With a Price/Forward Earnings ratio of 6.98, the valuation of ACA can be described as very cheap.

Compared to the rest of the industry, the Price/Forward Earnings ratio of ACA indicates a rather cheap valuation: ACA is cheaper than 90.63% of the companies listed 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 22.19.

		Industry Rank	Sector Rank
PE	7.12
Fwd PE	6.98

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)0.79

EPS Next 2Y2.19%

EPS Next 3Y3.08%

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 6.88%, ACA is a good candidate for dividend investing.

Compared to an average industry Dividend Yield of 5.14, ACA pays a better dividend. On top of this ACA pays more dividend than 84.38% of the companies listed in the same industry.

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

		Industry Rank	Sector Rank
Dividend Yield	6.88%

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 Years1

Div Non Decr Years4

5.3 Sustainability

DP0%

EPS Next 2Y2.19%

EPS Next 3Y3.08%

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CREDIT AGRICOLE SA

EPA:ACA (6/20/2025, 7:00:00 PM)

15.585

+0.08 (+0.48%)

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 Owners7.98%

Inst Owner ChangeN/A

Ins Owners0%

Ins Owner ChangeN/A

Market Cap47.16B

Analysts70

Price Target17.91 (14.92%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	6.88%

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)0.2%

PT rev (3m)2.58%

EPS NQ rev (1m)0%

EPS NQ rev (3m)7.52%

EPS NY rev (1m)0%

EPS NY rev (3m)1.15%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)1.2%

Revenue NY rev (1m)0%

Revenue NY rev (3m)0.09%

Valuation

		Industry Rank	Sector Rank
PE	7.12
Fwd PE	6.98
P/S	0.64
P/FCF	N/A
P/OCF	N/A
P/B	0.63
P/tB	0.86
EV/EBITDA	N/A

EPS(TTM)2.19

EY14.05%

EPS(NY)2.23

Fwd EY14.33%

FCF(TTM)-5.61

FCFYN/A

OCF(TTM)-5.26

OCFYN/A

SpS24.52

BVpS24.69

TBVpS18.19

PEG (NY)N/A

PEG (5Y)0.79

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

WACC5.41%

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

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