CREDIT AGRICOLE SA (ACA.PA) Stock Fundamental Analysis
Europe - EPA:ACA - FR0000045072 - Common Stock
15.64 EUR
0 (-0.03%)
We assign a fundamental rating of 3 out of 10 to ACA. ACA was compared to 95 industry peers in the Banks industry. ACA may be in some trouble as it scores bad on both profitability and health. ACA is not valued too expensively and it also shows a decent growth rate. Finally ACA also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year ACA was profitable.
ACA had a negative operating cash flow in the past year.
In the past 5 years ACA has always been profitable.
In multiple years ACA reported negative operating cash flow during the last 5 years.
1.2 Ratios
ACA has a worse Return On Assets (0.46%) than 72.63% of its industry peers.
The Return On Equity of ACA (14.18%) is better than 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
The Profit Margin of ACA (14.28%) is worse than 78.95% 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.
ACA has about the same amout of shares outstanding than it did 1 year ago.
ACA has more shares outstanding than it did 5 years ago.
ACA has a worse debt/assets ratio than last year.
2.2 Solvency
A Debt/Equity ratio of 4.26 is on the high side and indicates that ACA has dependencies on debt financing.
The Debt to Equity ratio of ACA (4.26) is worse than 84.21% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.26 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC5.38%
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 nice 8.15% over the past year.
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%.
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)8.15%
EPS 3Y8.15%
EPS 5Y8.99%
EPS Q2Q%-47.68%
Revenue 1Y (TTM)8%
Revenue growth 3Y-10.74%
Revenue growth 5Y-6.66%
Sales Q2Q%6.3%
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 4.46% on average per year.
The Revenue is expected to grow by 3.38% on average over the next years.
EPS Next Y0.58%
EPS Next 2Y3.58%
EPS Next 3Y4.19%
EPS Next 5Y4.46%
Revenue Next Year3.26%
Revenue Next 2Y2.65%
Revenue Next 3Y2.97%
Revenue Next 5Y3.38%
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.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 7.41, the valuation of ACA can be described as very cheap.
ACA's Price/Earnings ratio is rather cheap when compared to the industry. ACA is cheaper than 86.32% of the companies in the same industry.
ACA is valuated cheaply when we compare the Price/Earnings ratio to 25.83, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 6.82, the valuation of ACA can be described as very cheap.
ACA's Price/Forward Earnings ratio is rather cheap when compared to the industry. ACA is cheaper than 90.53% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of ACA to the average of the S&P500 Index (32.68), we can say ACA is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.41 | ||
| Fwd PE | 6.82 |
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)12.77
PEG (5Y)0.82
EPS Next 2Y3.58%
EPS Next 3Y4.19%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 7.10%, ACA is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 4.84, ACA pays a better dividend. On top of this ACA pays more dividend than 85.26% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.39, ACA pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.1% |
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
The dividend of ACA is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP0%
EPS Next 2Y3.58%
EPS Next 3Y4.19%
EPA:ACA (11/7/2025, 7:00:00 PM)
15.64
0 (-0.03%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners8.79%
Inst Owner ChangeN/A
Ins Owners0%
Ins Owner ChangeN/A
Market Cap47.68B
Revenue(TTM)57.18B
Net Income(TTM)10.60B
Analysts68.57
Price Target19.3 (23.4%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.1% |
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)2.79%
PT rev (3m)5.96%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)1.09%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.27%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.41 | ||
| Fwd PE | 6.82 | ||
| P/S | 0.64 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.64 | ||
| P/tB | 0.87 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.11
EY13.49%
EPS(NY)2.29
Fwd EY14.67%
FCF(TTM)-5.57
FCFYN/A
OCF(TTM)-5.22
OCFYN/A
SpS24.34
BVpS24.5
TBVpS18.05
PEG (NY)12.77
PEG (5Y)0.82
Graham Number34.11
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
WACC5.38%
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)8.15%
EPS 3Y8.15%
EPS 5Y8.99%
EPS Q2Q%-47.68%
EPS Next Y0.58%
EPS Next 2Y3.58%
EPS Next 3Y4.19%
EPS Next 5Y4.46%
Revenue 1Y (TTM)8%
Revenue growth 3Y-10.74%
Revenue growth 5Y-6.66%
Sales Q2Q%6.3%
Revenue Next Year3.26%
Revenue Next 2Y2.65%
Revenue Next 3Y2.97%
Revenue Next 5Y3.38%
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.
What is the valuation status for ACA stock?
ChartMill assigns a valuation rating of 5 / 10 to CREDIT AGRICOLE SA (ACA.PA). This can be considered as Fairly Valued.
Can you provide the profitability details for CREDIT AGRICOLE SA?
CREDIT AGRICOLE SA (ACA.PA) has a profitability rating of 2 / 10.
What are the PE and PB ratios of CREDIT AGRICOLE SA (ACA.PA) stock?
The Price/Earnings (PE) ratio for CREDIT AGRICOLE SA (ACA.PA) is 7.41 and the Price/Book (PB) ratio is 0.64.
What is the expected EPS growth for CREDIT AGRICOLE SA (ACA.PA) stock?
The Earnings per Share (EPS) of CREDIT AGRICOLE SA (ACA.PA) is expected to grow by 0.58% in the next year.