CREDIT AGRICOLE SA (ACA.PA)
FR0000045072 - Common Stock
ACA gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 92 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. Finally ACA also has an excellent dividend rating.
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.
Each year in the past 5 years ACA has been profitable.
ACA had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
The Return On Assets of ACA (0.27%) is worse than 90.91% of its industry peers.
ACA has a Return On Equity (8.29%) which is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.27% | ||
| ROE | 8.29% | ||
| ROIC | N/A |
ROA(3y)0.25%
ROA(5y)0.22%
ROE(3y)7.9%
ROE(5y)6.8%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
Looking at the Profit Margin, with a value of 11.12%, ACA is doing worse than 88.64% of the companies in the same industry.
In the last couple of years the Profit Margin of ACA has grown nicely.
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) | 11.12% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y45.31%
PM growth 5Y13.97%
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.
ACA has about the same amout of shares outstanding than it did 1 year ago.
The number of shares outstanding for ACA has been increased compared to 5 years ago.
ACA has a worse debt/assets ratio than last year.
2.2 Solvency
A Debt/Equity ratio of 4.34 is on the high side and indicates that ACA has dependencies on debt financing.
The Debt to Equity ratio of ACA (4.34) is worse than 92.05% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.34 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC4.71%
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 been growing slightly by 5.39% over the past year.
ACA shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 5.45% yearly.
Looking at the last year, ACA shows a very strong growth in Revenue. The Revenue has grown by 27.52%.
Measured over the past years, ACA shows a decrease in Revenue. The Revenue has been decreasing by -4.99% on average per year.
EPS 1Y (TTM)5.39%
EPS 3Y13.62%
EPS 5Y5.45%
EPS growth Q2Q-27.08%
Revenue 1Y (TTM)27.52%
Revenue growth 3Y-6.1%
Revenue growth 5Y-4.99%
Revenue growth Q2Q56.97%
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 0.35% on average per year.
The Revenue is expected to grow by 4.38% on average over the next years.
EPS Next Y3.69%
EPS Next 2Y4.81%
EPS Next 3Y4.45%
EPS Next 5Y0.35%
Revenue Next Year2.09%
Revenue Next 2Y2.62%
Revenue Next 3Y2.73%
Revenue Next 5Y4.38%
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
The Price/Earnings ratio is 8.24, which indicates a very decent valuation of ACA.
The rest of the industry has a similar Price/Earnings ratio as ACA.
Compared to an average S&P500 Price/Earnings ratio of 25.25, ACA is valued rather cheaply.
With a Price/Forward Earnings ratio of 7.94, the valuation of ACA can be described as very cheap.
The rest of the industry has a similar Price/Forward Earnings ratio as ACA.
ACA's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 21.67.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.24 | ||
| Fwd PE | 7.94 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates ACA does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)2.23
PEG (5Y)1.51
EPS Next 2Y4.81%
EPS Next 3Y4.45%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 7.55%, ACA is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 5.95, ACA pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.45, ACA pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.55% |
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 Years0
Div Non Decr Years1
5.3 Sustainability
53.79% of the earnings are spent on dividend by ACA. This is a bit on the high side, but may be sustainable.
The dividend of ACA is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP53.79%
EPS Next 2Y4.81%
EPS Next 3Y4.45%
CREDIT AGRICOLE SA
EPA:ACA (4/25/2024, 5:29:50 PM)
14.495
+0.04 (+0.31%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap40.63B
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.55% |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.24 | ||
| Fwd PE | 7.94 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)2.23
PEG (5Y)1.51
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.27% | ||
| ROE | 8.29% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 11.12% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.02
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.34 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)5.39%
EPS 3Y13.62%
EPS 5Y
EPS growth Q2Q
EPS Next Y3.69%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)27.52%
Revenue growth 3Y-6.1%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y