CREDIT AGRICOLE SA (ACA.PA) Stock Fundamental Analysis
Europe - Euronext Paris - EPA:ACA - FR0000045072 - Common Stock
17.767 EUR
-0.02 (-0.13%)
ACA gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 114 industry peers in the Banks industry. ACA may be in some trouble as it scores bad on both profitability and health. 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
In the past year ACA was profitable.
In the past year ACA has reported a negative 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
Looking at the Return On Assets, with a value of 0.46%, ACA is doing worse than 75.44% of the companies in the same industry.
ACA has a Return On Equity of 14.18%. This is in the better half of the industry: ACA outperforms 73.68% 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
ACA has a Profit Margin of 14.28%. This is in the lower half of the industry: ACA underperforms 79.82% 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
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.
The number of shares outstanding for ACA has been increased compared to 5 years ago.
Compared to 1 year ago, ACA has a worse debt to assets ratio.
2.2 Solvency
ACA has a Debt/Equity ratio of 4.26. This is a high value indicating a heavy dependency on external financing.
The Debt to Equity ratio of ACA (4.26) is worse than 83.33% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.26 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC5.78%
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.
ACA shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 8.99% yearly.
ACA shows a small growth in Revenue. In the last year, the Revenue has grown by 8.00%.
ACA shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -6.66% yearly.
EPS 1Y (TTM)21.66%
EPS 3Y8.15%
EPS 5Y8.99%
EPS Q2Q%3.92%
Revenue 1Y (TTM)8%
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.
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.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 7.50, which indicates a rather cheap valuation of ACA.
Based on the Price/Earnings ratio, ACA is valued cheaper than 91.23% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 26.60. ACA is valued rather cheaply when compared to this.
ACA is valuated cheaply with a Price/Forward Earnings ratio of 7.66.
ACA's Price/Forward Earnings ratio is rather cheap when compared to the industry. ACA is cheaper than 92.11% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 23.23. ACA is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.5 | ||
| Fwd PE | 7.66 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| 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)1.79
PEG (5Y)0.83
EPS Next 2Y4.18%
EPS Next 3Y4.79%
5. Dividend
5.1 Amount
ACA has a Yearly Dividend Yield of 6.27%, which is a nice return.
Compared to an average industry Dividend Yield of 3.98, ACA pays a better dividend. On top of this ACA pays more dividend than 82.46% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 1.94, ACA pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.27% |
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
ACA's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP0%
EPS Next 2Y4.18%
EPS Next 3Y4.79%
EPA:ACA (1/5/2026, 9:25:15 AM)
17.767
-0.02 (-0.13%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners8.65%
Inst Owner ChangeN/A
Ins Owners0%
Ins Owner ChangeN/A
Market Cap53.76B
Revenue(TTM)57.18B
Net Income(TTM)10.60B
Analysts68.57
Price Target19.43 (9.36%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.27% |
Yearly DividendN/A
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)1.06%
PT rev (3m)3.51%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)-0.04%
EPS NY rev (3m)3.58%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0.58%
Revenue NY rev (3m)0.67%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.5 | ||
| Fwd PE | 7.66 | ||
| P/S | 0.72 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.72 | ||
| P/tB | 0.98 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.37
EY13.34%
EPS(NY)2.32
Fwd EY13.06%
FCF(TTM)-5.61
FCFYN/A
OCF(TTM)-5.26
OCFYN/A
SpS24.52
BVpS24.69
TBVpS18.19
PEG (NY)1.79
PEG (5Y)0.83
Graham Number36.28
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
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-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
WACC5.78%
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)8%
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 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 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 5 / 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 2 / 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 7.5 and the Price/Book (PB) ratio is 0.72.
How financially healthy is CREDIT AGRICOLE SA?
The financial health rating of CREDIT AGRICOLE SA (ACA.PA) is 0 / 10.