CREDIT AGRICOLE SA (XCA.DE) Fundamental Analysis & Valuation

FRA:XCA • FR0000045072

Current stock price

16.33 EUR
-0.23 (-1.39%)
Last:

This XCA.DE fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. XCA.DE Profitability Analysis

1.1 Basic Checks

  • In the past year XCA was profitable.
  • In the past year XCA had a positive cash flow from operations.
  • XCA had positive earnings in each of the past 5 years.
  • The reported operating cash flow has been mixed in the past 5 years: XCA reported negative operating cash flow in multiple years.
XCA.DE Yearly Net Income VS EBIT VS OCF VS FCFXCA.DE Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20B -20B 40B

1.2 Ratios

  • Looking at the Return On Assets, with a value of 0.40%, XCA is doing worse than 81.08% of the companies in the same industry.
  • XCA has a Return On Equity of 12.13%. This is in the better half of the industry: XCA outperforms 60.36% of its industry peers.
Industry RankSector Rank
ROA 0.4%
ROE 12.13%
ROIC N/A
ROA(3y)0.27%
ROA(5y)0.26%
ROE(3y)8.43%
ROE(5y)8.14%
ROIC(3y)N/A
ROIC(5y)N/A
XCA.DE Yearly ROA, ROE, ROICXCA.DE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8

1.3 Margins

  • The Profit Margin of XCA (15.16%) is worse than 80.18% of its industry peers.
  • In the last couple of years the Profit Margin of XCA has grown nicely.
  • The Operating Margin and Gross Margin are not available for XCA so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 15.16%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-3.19%
PM growth 5Y24.15%
GM growth 3YN/A
GM growth 5YN/A
XCA.DE Yearly Profit, Operating, Gross MarginsXCA.DE Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8 10

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2

2. XCA.DE Health Analysis

2.1 Basic Checks

  • XCA does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • The number of shares outstanding for XCA remains at a similar level compared to 1 year ago.
  • Compared to 5 years ago, XCA has more shares outstanding
  • XCA has a better debt/assets ratio than last year.
XCA.DE Yearly Shares OutstandingXCA.DE Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B
XCA.DE Yearly Total Debt VS Total AssetsXCA.DE Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500B 1T 1.5T 2T

2.2 Solvency

  • The Debt to FCF ratio of XCA is 17.97, which is on the high side as it means it would take XCA, 17.97 years of fcf income to pay off all of its debts.
  • The Debt to FCF ratio of XCA (17.97) is better than 65.77% of its industry peers.
  • XCA has a Debt/Equity ratio of 4.14. This is a high value indicating a heavy dependency on external financing.
  • XCA has a Debt to Equity ratio of 4.14. This is amonst the worse of the industry: XCA underperforms 86.49% of its industry peers.
Industry RankSector Rank
Debt/Equity 4.14
Debt/FCF 17.97
Altman-Z N/A
ROIC/WACCN/A
WACC5.34%
XCA.DE Yearly LT Debt VS Equity VS FCFXCA.DE Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 50B 100B 150B 200B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
XCA.DE Yearly Current Assets VS Current LiabilitesXCA.DE Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50B 100B 150B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

3. XCA.DE Growth Analysis

3.1 Past

  • XCA shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -7.68%.
  • XCA shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 10.47% yearly.
  • Looking at the last year, XCA shows a very negative growth in Revenue. The Revenue has decreased by -16.29% in the last year.
  • XCA shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -0.72% yearly.
EPS 1Y (TTM)-7.68%
EPS 3Y5.73%
EPS 5Y10.47%
EPS Q2Q%-73.35%
Revenue 1Y (TTM)-16.29%
Revenue growth 3Y14.11%
Revenue growth 5Y-0.72%
Sales Q2Q%40.12%

3.2 Future

  • XCA is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 10.07% yearly.
  • The Revenue is expected to grow by 2.70% on average over the next years.
EPS Next Y19.66%
EPS Next 2Y12.63%
EPS Next 3Y10.07%
EPS Next 5YN/A
Revenue Next Year1.39%
Revenue Next 2Y2.44%
Revenue Next 3Y2.7%
Revenue Next 5YN/A

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 stable.
  • The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
XCA.DE Yearly Revenue VS EstimatesXCA.DE Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 20B 40B 60B 80B
XCA.DE Yearly EPS VS EstimatesXCA.DE Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 0.5 1 1.5 2 2.5

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7

4. XCA.DE Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 8.29 indicates a reasonable valuation of XCA.
  • XCA's Price/Earnings ratio is rather cheap when compared to the industry. XCA is cheaper than 84.68% of the companies in the same industry.
  • XCA's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 25.60.
  • With a Price/Forward Earnings ratio of 6.91, the valuation of XCA can be described as very cheap.
  • XCA's Price/Forward Earnings ratio is rather cheap when compared to the industry. XCA is cheaper than 95.50% of the companies in the same industry.
  • XCA is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.84, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 8.29
Fwd PE 6.91
XCA.DE Price Earnings VS Forward Price EarningsXCA.DE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of XCA indicates a rather cheap valuation: XCA is cheaper than 83.78% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 2.76
EV/EBITDA N/A
XCA.DE Per share dataXCA.DE EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20 25

4.3 Compensation for Growth

  • The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.42
PEG (5Y)0.79
EPS Next 2Y12.63%
EPS Next 3Y10.07%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

7

5. XCA.DE Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 7.09%, XCA is a good candidate for dividend investing.
  • XCA's Dividend Yield is rather good when compared to the industry average which is at 4.78. XCA pays more dividend than 85.59% of the companies in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.88, XCA pays a better dividend.
Industry RankSector Rank
Dividend Yield 7.09%

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
XCA.DE Yearly Dividends per shareXCA.DE Yearly Dividends per shareYearly Dividends per share 2019 2022 2023 2024 2025 2026 0.2 0.4 0.6 0.8 1

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 2Y12.63%
EPS Next 3Y10.07%
XCA.DE Yearly Income VS Free CF VS DividendXCA.DE Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20B -20B 40B

More info and screens

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XCA.DE Fundamentals: All Metrics, Ratios and Statistics

CREDIT AGRICOLE SA

FRA:XCA (4/2/2026, 7:00:00 PM)

16.33

-0.23 (-1.39%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-04
Earnings (Next)04-30
Inst Owners8.56%
Inst Owner ChangeN/A
Ins Owners0%
Ins Owner ChangeN/A
Market Cap49.41B
Revenue(TTM)62.11B
Net Income(TTM)9.42B
Analysts70
Price Target20.89 (27.92%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 7.09%
Yearly DividendN/A
Dividend Growth(5Y)73.8%
DP0%
Div Incr Years1
Div Non Decr Years3
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-30.65%
Min EPS beat(2)-60.94%
Max EPS beat(2)-0.35%
EPS beat(4)1
Avg EPS beat(4)-10.94%
Min EPS beat(4)-60.94%
Max EPS beat(4)26.25%
EPS beat(8)5
Avg EPS beat(8)-0.57%
EPS beat(12)8
Avg EPS beat(12)7.74%
EPS beat(16)11
Avg EPS beat(16)14.59%
Revenue beat(2)2
Avg Revenue beat(2)23.3%
Min Revenue beat(2)0.47%
Max Revenue beat(2)46.14%
Revenue beat(4)2
Avg Revenue beat(4)11.29%
Min Revenue beat(4)-1.16%
Max Revenue beat(4)46.14%
Revenue beat(8)5
Avg Revenue beat(8)6.97%
Revenue beat(12)7
Avg Revenue beat(12)5.25%
Revenue beat(16)10
Avg Revenue beat(16)44.79%
PT rev (1m)0%
PT rev (3m)7.6%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-1.33%
EPS NY rev (1m)1.54%
EPS NY rev (3m)1.78%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-3.21%
Revenue NY rev (1m)0.11%
Revenue NY rev (3m)-0.22%
Valuation
Industry RankSector Rank
PE 8.29
Fwd PE 6.91
P/S 0.8
P/FCF 2.76
P/OCF 2.6
P/B 0.64
P/tB 0.85
EV/EBITDA N/A
EPS(TTM)1.97
EY12.06%
EPS(NY)2.36
Fwd EY14.46%
FCF(TTM)5.91
FCFY36.22%
OCF(TTM)6.28
OCFY38.48%
SpS20.53
BVpS25.67
TBVpS19.12
PEG (NY)0.42
PEG (5Y)0.79
Graham Number33.73
Profitability
Industry RankSector Rank
ROA 0.4%
ROE 12.13%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 15.16%
GM N/A
FCFM 28.81%
ROA(3y)0.27%
ROA(5y)0.26%
ROE(3y)8.43%
ROE(5y)8.14%
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 3Y-3.19%
PM growth 5Y24.15%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 4.14
Debt/FCF 17.97
Debt/EBITDA N/A
Cap/Depr 83.17%
Cap/Sales 1.8%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 190.01%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC5.34%
ROIC/WACCN/A
Cap/Depr(3y)82%
Cap/Depr(5y)83.03%
Cap/Sales(3y)1.78%
Cap/Sales(5y)1.79%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-7.68%
EPS 3Y5.73%
EPS 5Y10.47%
EPS Q2Q%-73.35%
EPS Next Y19.66%
EPS Next 2Y12.63%
EPS Next 3Y10.07%
EPS Next 5YN/A
Revenue 1Y (TTM)-16.29%
Revenue growth 3Y14.11%
Revenue growth 5Y-0.72%
Sales Q2Q%40.12%
Revenue Next Year1.39%
Revenue Next 2Y2.44%
Revenue Next 3Y2.7%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year21.07%
EBIT Next 3Y9.53%
EBIT Next 5YN/A
FCF growth 1Y205.4%
FCF growth 3Y248.99%
FCF growth 5Y-20.55%
OCF growth 1Y219.51%
OCF growth 3Y135.1%
OCF growth 5Y-19.8%

CREDIT AGRICOLE SA / XCA.DE Fundamental Analysis FAQ

Can you provide the ChartMill fundamental rating for CREDIT AGRICOLE SA?

ChartMill assigns a fundamental rating of 4 / 10 to XCA.DE.


Can you provide the valuation status for CREDIT AGRICOLE SA?

ChartMill assigns a valuation rating of 7 / 10 to CREDIT AGRICOLE SA (XCA.DE). This can be considered as Undervalued.


Can you provide the profitability details for CREDIT AGRICOLE SA?

CREDIT AGRICOLE SA (XCA.DE) has a profitability rating of 3 / 10.


Can you provide the PE and PB ratios for XCA stock?

The Price/Earnings (PE) ratio for CREDIT AGRICOLE SA (XCA.DE) is 8.29 and the Price/Book (PB) ratio is 0.64.


Can you provide the expected EPS growth for XCA stock?

The Earnings per Share (EPS) of CREDIT AGRICOLE SA (XCA.DE) is expected to grow by 19.66% in the next year.