CREDIT AGRICOLE SA (XCA.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:XCA - FR0000045072 - Common Stock
17.12 EUR
-0.18 (-1.01%)
Taking everything into account, XCA scores 3 out of 10 in our fundamental rating. XCA was compared to 106 industry peers in the Banks industry. Both the profitability and financial health of XCA have multiple concerns. XCA has a correct valuation and a medium growth rate. XCA also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
XCA had positive earnings in the past year.
In the past year XCA has reported a negative cash flow from operations.
XCA had positive earnings in each of the past 5 years.
In multiple years XCA reported negative operating cash flow during the last 5 years.
1.2 Ratios
The Return On Assets of XCA (0.46%) is worse than 72.64% of its industry peers.
XCA has a Return On Equity of 14.18%. This is in the better half of the industry: XCA outperforms 72.64% 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%, XCA is not doing good in the industry: 77.36% of the companies in the same industry are doing better.
XCA's Profit Margin has improved in the last couple of years.
XCA 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
2. Health
2.1 Basic Checks
XCA does not have a ROIC to compare to the WACC, probably because it is not profitable.
XCA has about the same amout of shares outstanding than it did 1 year ago.
The number of shares outstanding for XCA has been increased compared to 5 years ago.
The debt/assets ratio for XCA is higher compared to a year ago.
2.2 Solvency
XCA has a Debt/Equity ratio of 4.26. This is a high value indicating a heavy dependency on external financing.
XCA has a worse Debt to Equity ratio (4.26) than 80.19% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.26 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC5.72%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
XCA shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 21.66%, which is quite impressive.
XCA shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 8.99% yearly.
The Revenue has been growing slightly by 8.00% in the past year.
Measured over the past years, XCA shows a decrease in Revenue. The Revenue has been decreasing by -6.66% on average per year.
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
The Earnings Per Share is expected to grow by 4.72% on average over the next years.
Based on estimates for the next years, XCA will show a small growth in Revenue. The Revenue will grow by 3.16% on average per year.
EPS Next Y4.22%
EPS Next 2Y4.14%
EPS Next 3Y4.71%
EPS Next 5Y4.72%
Revenue Next Year3.35%
Revenue Next 2Y2.62%
Revenue Next 3Y2.94%
Revenue Next 5Y3.16%
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 7.22, the valuation of XCA can be described as very cheap.
Based on the Price/Earnings ratio, XCA is valued cheaper than 91.51% of the companies in the same industry.
When comparing the Price/Earnings ratio of XCA to the average of the S&P500 Index (26.56), we can say XCA is valued rather cheaply.
A Price/Forward Earnings ratio of 7.38 indicates a rather cheap valuation of XCA.
Compared to the rest of the industry, the Price/Forward Earnings ratio of XCA indicates a rather cheap valuation: XCA is cheaper than 93.40% of the companies listed in the same industry.
XCA's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.79.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.22 | ||
| Fwd PE | 7.38 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
XCA's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.71
PEG (5Y)0.8
EPS Next 2Y4.14%
EPS Next 3Y4.71%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 6.37%, XCA is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 4.33, XCA pays a better dividend. On top of this XCA pays more dividend than 80.19% of the companies listed in the same industry.
XCA's Dividend Yield is rather good when compared to the S&P500 average which is at 1.87.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.37% |
5.2 History
On average, the dividend of XCA grows each year by 73.80%, which is quite nice.
Dividend Growth(5Y)73.8%
Div Incr Years1
Div Non Decr Years3
5.3 Sustainability
The dividend of XCA is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP0%
EPS Next 2Y4.14%
EPS Next 3Y4.71%
FRA:XCA (12/12/2025, 7:00:00 PM)
17.12
-0.18 (-1.01%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners8.61%
Inst Owner ChangeN/A
Ins Owners0%
Ins Owner ChangeN/A
Market Cap51.80B
Revenue(TTM)57.18B
Net Income(TTM)10.60B
Analysts68.57
Price Target19.31 (12.79%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.37% |
Yearly Dividend1.05
Dividend Growth(5Y)73.8%
DP0%
Div Incr Years1
Div Non Decr Years3
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)0.15%
PT rev (3m)1.94%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)-0.16%
EPS NY rev (3m)3.67%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0.02%
Revenue NY rev (3m)0.08%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.22 | ||
| Fwd PE | 7.38 | ||
| P/S | 0.7 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.69 | ||
| P/tB | 0.94 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.37
EY13.84%
EPS(NY)2.32
Fwd EY13.54%
FCF(TTM)-5.61
FCFYN/A
OCF(TTM)-5.26
OCFYN/A
SpS24.52
BVpS24.69
TBVpS18.19
PEG (NY)1.71
PEG (5Y)0.8
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
WACC5.72%
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 Y4.22%
EPS Next 2Y4.14%
EPS Next 3Y4.71%
EPS Next 5Y4.72%
Revenue 1Y (TTM)8%
Revenue growth 3Y-10.74%
Revenue growth 5Y-6.66%
Sales Q2Q%5.64%
Revenue Next Year3.35%
Revenue Next 2Y2.62%
Revenue Next 3Y2.94%
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 / XCA.DE FAQ
Can you provide the ChartMill fundamental rating for CREDIT AGRICOLE SA?
ChartMill assigns a fundamental rating of 3 / 10 to XCA.DE.
What is the valuation status for XCA stock?
ChartMill assigns a valuation rating of 5 / 10 to CREDIT AGRICOLE SA (XCA.DE). This can be considered as Fairly Valued.
How profitable is CREDIT AGRICOLE SA (XCA.DE) stock?
CREDIT AGRICOLE SA (XCA.DE) has a profitability rating of 2 / 10.
Can you provide the PE and PB ratios for XCA stock?
The Price/Earnings (PE) ratio for CREDIT AGRICOLE SA (XCA.DE) is 7.22 and the Price/Book (PB) ratio is 0.69.
How sustainable is the dividend of CREDIT AGRICOLE SA (XCA.DE) stock?
The dividend rating of CREDIT AGRICOLE SA (XCA.DE) is 7 / 10 and the dividend payout ratio is 0%.