ACA Fundamental Analysis - CREDIT AGRICOLE SA

Fundamental Rating

We assign a fundamental rating of 3 out of 10 to ACA. ACA was compared to 96 industry peers in the Banks industry. ACA has a bad profitability rating. Also its financial health evaluation is rather negative. ACA is not valued too expensively and it also shows a decent growth rate. 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.

Each year in the past 5 years ACA has been profitable.

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

With a Return On Assets value of 0.46%, ACA is not doing good in the industry: 68.75% of the companies in the same industry are doing better.

ACA's Return On Equity of 14.18% is fine compared to the rest of the industry. ACA outperforms 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

With a Profit Margin value of 14.28%, ACA is not doing good in the industry: 76.04% of the companies in the same industry are doing better.

In the last couple of years the Profit Margin of ACA has grown nicely.

ACA does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.

		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.

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

ACA has a Debt/Equity ratio of 4.26. This is a high value indicating a heavy dependency on external financing.

Looking at the Debt to Equity ratio, with a value of 4.26, ACA is doing worse than 82.29% of the companies in the same industry.

		Industry Rank	Sector Rank
Debt/Equity	4.26
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC5.39%

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

ACA shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 23.81%, which is quite impressive.

The Earnings Per Share has been growing by 8.99% on average over the past years. This is quite good.

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)23.81%

EPS 3Y8.15%

EPS 5Y8.99%

EPS Q2Q%28.03%

Revenue 1Y (TTM)8%

Revenue growth 3Y-10.74%

Revenue growth 5Y-6.66%

Sales Q2Q%3.73%

3.2 Future

The Earnings Per Share is expected to grow by 3.42% on average over the next years.

The Revenue is expected to grow by 2.92% on average over the next years.

EPS Next Y0.53%

EPS Next 2Y3.41%

EPS Next 3Y4.12%

EPS Next 5Y3.42%

Revenue Next Year3.31%

Revenue Next 2Y2.63%

Revenue Next 3Y2.91%

Revenue Next 5Y2.92%

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.

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

The Price/Earnings ratio is 6.79, which indicates a rather cheap valuation of ACA.

ACA's Price/Earnings ratio is rather cheap when compared to the industry. ACA is cheaper than 91.67% of the companies in the same industry.

When comparing the Price/Earnings ratio of ACA to the average of the S&P500 Index (27.03), we can say ACA is valued rather cheaply.

Based on the 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 92.71% of the companies listed in the same industry.

Compared to an average S&P500 Price/Forward Earnings ratio of 22.63, ACA is valued rather cheaply.

		Industry Rank	Sector Rank
PE	6.79
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

The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.

PEG (NY)12.86

PEG (5Y)0.75

EPS Next 2Y3.41%

EPS Next 3Y4.12%

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5. Dividend

5.1 Amount

ACA has a Yearly Dividend Yield of 7.01%, which is a nice return.

Compared to an average industry Dividend Yield of 5.01, ACA pays a better dividend. On top of this ACA pays more dividend than 83.33% of the companies listed in the same industry.

ACA's Dividend Yield is rather good when compared to the S&P500 average which is at 2.32.

		Industry Rank	Sector Rank
Dividend Yield	7.01%

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

ACA's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.

DP0%

EPS Next 2Y3.41%

EPS Next 3Y4.12%

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CREDIT AGRICOLE SA

EPA:ACA (9/5/2025, 9:07:17 AM)

15.95

+0.07 (+0.44%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)07-31 2025-07-31/dmh

Earnings (Next)10-30 2025-10-30

Inst Owners7.98%

Inst Owner ChangeN/A

Ins Owners0%

Ins Owner ChangeN/A

Market Cap48.26B

Analysts69.52

Price Target18.81 (17.93%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	7.01%

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)3.27%

PT rev (3m)5.22%

EPS NQ rev (1m)0%

EPS NQ rev (3m)0%

EPS NY rev (1m)1.04%

EPS NY rev (3m)1.04%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)0%

Revenue NY rev (1m)-0.23%

Revenue NY rev (3m)-0.23%

Valuation

		Industry Rank	Sector Rank
PE	6.79
Fwd PE	6.98
P/S	0.65
P/FCF	N/A
P/OCF	N/A
P/B	0.65
P/tB	0.88
EV/EBITDA	N/A

EPS(TTM)2.35

EY14.73%

EPS(NY)2.29

Fwd EY14.33%

FCF(TTM)-5.61

FCFYN/A

OCF(TTM)-5.26

OCFYN/A

SpS24.52

BVpS24.69

TBVpS18.19

PEG (NY)12.86

PEG (5Y)0.75

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

WACC5.39%

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)23.81%

EPS 3Y8.15%

EPS 5Y8.99%

EPS Q2Q%28.03%

EPS Next Y0.53%

EPS Next 2Y3.41%

EPS Next 3Y4.12%

EPS Next 5Y3.42%

Revenue 1Y (TTM)8%

Revenue growth 3Y-10.74%

Revenue growth 5Y-6.66%

Sales Q2Q%3.73%

Revenue Next Year3.31%

Revenue Next 2Y2.63%

Revenue Next 3Y2.91%

Revenue Next 5Y2.92%

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