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

FRA:XCA • FR0000045072

16.975 EUR
-0.15 (-0.9%)
Last: Mar 11, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership

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

Fundamental Rating

3

Overall XCA gets a fundamental rating of 3 out of 10. We evaluated XCA against 116 industry peers in the Banks industry. XCA may be in some trouble as it scores bad on both profitability and health. XCA is cheap, but on the other hand it scores bad on growth. Finally XCA also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

2

1. XCA.DE Profitability Analysis

1.1 Basic Checks

  • XCA had positive earnings in the past year.
  • XCA had a positive operating cash flow in the past year.
  • In the past 5 years XCA has always been profitable.
  • In multiple years XCA reported negative operating cash flow during the last 5 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

  • The Return On Assets of XCA (0.40%) is worse than 85.34% of its industry peers.
  • XCA has a Return On Equity (12.13%) which is in line with 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

  • With a Profit Margin value of 15.16%, XCA is not doing good in the industry: 82.76% of the companies in the same industry are doing better.
  • In the last couple of years the Profit Margin of XCA has grown nicely.
  • XCA does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
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

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

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.
  • 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 has been reduced compared to a year ago.
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.
  • XCA has a better Debt to FCF ratio (17.97) than 64.66% of its industry peers.
  • A Debt/Equity ratio of 4.14 is on the high side and indicates that XCA has dependencies on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 4.14, XCA is doing worse than 88.79% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 4.14
Debt/FCF 17.97
Altman-Z N/A
ROIC/WACCN/A
WACC5.41%
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

More info and screens

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.
  • The Revenue for XCA has decreased by -16.29% in the past year. This is quite bad
  • Measured over the past years, XCA shows a decrease in Revenue. The Revenue has been decreasing by -0.72% on average per year.
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.
  • 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.
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

More info and screens

Find the best growth stocksShow best growing peers

7

4. XCA.DE Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 8.62, which indicates a very decent valuation of XCA.
  • Based on the Price/Earnings ratio, XCA is valued cheaply inside the industry as 81.03% of the companies are valued more expensively.
  • The average S&P500 Price/Earnings ratio is at 26.15. XCA is valued rather cheaply when compared to this.
  • Based on the Price/Forward Earnings ratio of 7.19, 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 93.97% of the companies 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 24.27.
Industry RankSector Rank
PE 8.62
Fwd PE 7.19
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 83.62% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 2.87
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

  • XCA's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.44
PEG (5Y)0.82
EPS Next 2Y12.63%
EPS Next 3Y10.07%

More info and screens

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

7

5. XCA.DE Dividend Analysis

5.1 Amount

  • XCA has a Yearly Dividend Yield of 6.65%, which is a nice return.
  • Compared to an average industry Dividend Yield of 4.56, XCA pays a better dividend. On top of this XCA pays more dividend than 81.90% 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 1.82.
Industry RankSector Rank
Dividend Yield 6.65%

5.2 History

  • The dividend of XCA is nicely growing with an annual growth rate of 73.80%!
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

  • XCA's earnings are growing slower than its dividend. 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

Find the best dividend stocksShow peers with best dividend

XCA.DE Fundamentals: All Metrics, Ratios and Statistics

CREDIT AGRICOLE SA

FRA:XCA (3/11/2026, 7:00:00 PM)

16.975

-0.15 (-0.9%)

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 Cap51.36B
Revenue(TTM)62.11B
Net Income(TTM)9.42B
Analysts70
Price Target20.89 (23.06%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 6.65%
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)1.02%
PT rev (3m)8.17%
EPS NQ rev (1m)1.37%
EPS NQ rev (3m)-1.33%
EPS NY rev (1m)1.54%
EPS NY rev (3m)1.87%
Revenue NQ rev (1m)-0.08%
Revenue NQ rev (3m)-3.21%
Revenue NY rev (1m)-0.22%
Revenue NY rev (3m)0.29%
Valuation
Industry RankSector Rank
PE 8.62
Fwd PE 7.19
P/S 0.83
P/FCF 2.87
P/OCF 2.7
P/B 0.66
P/tB 0.89
EV/EBITDA N/A
EPS(TTM)1.97
EY11.61%
EPS(NY)2.36
Fwd EY13.91%
FCF(TTM)5.91
FCFY34.84%
OCF(TTM)6.28
OCFY37.01%
SpS20.53
BVpS25.67
TBVpS19.12
PEG (NY)0.44
PEG (5Y)0.82
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
WACC5.41%
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 FAQ

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

ChartMill assigns a fundamental rating of 3 / 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.


How profitable is CREDIT AGRICOLE SA (XCA.DE) stock?

CREDIT AGRICOLE SA (XCA.DE) has a profitability rating of 2 / 10.


How financially healthy is CREDIT AGRICOLE SA?

The financial health rating of CREDIT AGRICOLE SA (XCA.DE) is 2 / 10.


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.