CREDIT AGRICOLE SA (XCA.DE) Stock Fundamental Analysis

Europe • Frankfurt Stock Exchange • FRA:XCA • FR0000045072

18.505 EUR
+0.58 (+3.24%)
Last: Feb 2, 2026, 07:00 PM
Fundamental Rating

3

XCA gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 111 industry peers in the Banks industry. XCA may be in some trouble as it scores bad on both profitability and health. XCA is not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

3

1. Profitability

1.1 Basic Checks

  • In the past year XCA was profitable.
  • In the past year XCA had a positive cash flow from operations.
  • In the past 5 years XCA has always been profitable.
  • 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 0 20B -20B 40B

1.2 Ratios

  • XCA has a Return On Assets of 0.42%. This is in the lower half of the industry: XCA underperforms 78.38% of its industry peers.
  • With a decent Return On Equity value of 12.93%, XCA is doing good in the industry, outperforming 62.16% of the companies in the same industry.
Industry RankSector Rank
ROA 0.42%
ROE 12.93%
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
XCA.DE Yearly ROA, ROE, ROICXCA.DE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8

1.3 Margins

  • XCA has a worse Profit Margin (18.39%) than 71.17% of its industry peers.
  • XCA's Profit Margin has improved in the last couple of years.
  • 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) 18.39%
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
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 2 4 6 8 10

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1

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.
  • Compared to 1 year ago, XCA has a worse debt to assets ratio.
XCA.DE Yearly Shares OutstandingXCA.DE Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 500B 1T 1.5T 2T

2.2 Solvency

  • The Debt to FCF ratio of XCA is 101.06, which is on the high side as it means it would take XCA, 101.06 years of fcf income to pay off all of its debts.
  • XCA has a Debt to FCF ratio of 101.06. This is comparable to the rest of the industry: XCA outperforms 58.56% of its industry peers.
  • XCA has a Debt/Equity ratio of 4.59. This is a high value indicating a heavy dependency on external financing.
  • Looking at the Debt to Equity ratio, with a value of 4.59, XCA is doing worse than 89.19% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 4.59
Debt/FCF 101.06
Altman-Z N/A
ROIC/WACCN/A
WACC5.62%
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 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 50B 100B 150B

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4

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an impressive 21.66% over the past year.
  • XCA shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 8.99% yearly.
  • XCA shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -16.06%.
  • The Revenue has been decreasing by -6.66% on average over the past years.
EPS 1Y (TTM)21.66%
EPS 3Y8.15%
EPS 5Y8.99%
EPS Q2Q%3.92%
Revenue 1Y (TTM)-16.06%
Revenue growth 3Y-10.74%
Revenue growth 5Y-6.66%
Sales Q2Q%5.64%

3.2 Future

  • Based on estimates for the next years, XCA will show a small growth in Earnings Per Share. The EPS will grow by 4.72% on average per year.
  • The Revenue is expected to grow by 3.16% on average over the next years.
EPS Next Y3.38%
EPS Next 2Y4.31%
EPS Next 3Y4.93%
EPS Next 5Y4.72%
Revenue Next Year3.95%
Revenue Next 2Y2.88%
Revenue Next 3Y3.07%
Revenue Next 5Y3.16%

3.3 Evolution

  • The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
  • 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

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4. Valuation

4.1 Price/Earnings Ratio

  • XCA is valuated cheaply with a Price/Earnings ratio of 7.81.
  • Compared to the rest of the industry, the Price/Earnings ratio of XCA indicates a rather cheap valuation: XCA is cheaper than 90.99% of the companies listed in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 28.41, XCA is valued rather cheaply.
  • Based on the Price/Forward Earnings ratio of 7.95, 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 94.59% of the companies in the same industry.
  • XCA is valuated cheaply when we compare the Price/Forward Earnings ratio to 25.64, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 7.81
Fwd PE 7.95
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

  • Based on the Price/Free Cash Flow ratio, XCA is valued a bit cheaper than 63.96% of the companies in the same industry.
Industry RankSector Rank
P/FCF 16.31
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

4.3 Compensation for Growth

  • The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates XCA does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)2.31
PEG (5Y)0.87
EPS Next 2Y4.31%
EPS Next 3Y4.93%

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6

5. Dividend

5.1 Amount

  • XCA has a Yearly Dividend Yield of 6.08%, which is a nice return.
  • Compared to an average industry Dividend Yield of 4.10, XCA pays a bit more dividend than its industry peers.
  • XCA's Dividend Yield is rather good when compared to the S&P500 average which is at 1.83.
Industry RankSector Rank
Dividend Yield 6.08%

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 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 2Y4.31%
EPS Next 3Y4.93%
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 0 20B -20B 40B

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CREDIT AGRICOLE SA

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

18.505

+0.58 (+3.24%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-30
Earnings (Next)02-04
Inst Owners8.65%
Inst Owner ChangeN/A
Ins Owners0%
Ins Owner ChangeN/A
Market Cap55.99B
Revenue(TTM)59.25B
Net Income(TTM)9.76B
Analysts68.57
Price Target19.38 (4.73%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 6.08%
Yearly DividendN/A
Dividend Growth(5Y)73.8%
DP0%
Div Incr Years1
Div Non Decr Years3
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)8.76%
Min EPS beat(2)-8.73%
Max EPS beat(2)26.25%
EPS beat(4)3
Avg EPS beat(4)10.29%
Min EPS beat(4)-8.73%
Max EPS beat(4)26.25%
EPS beat(8)6
Avg EPS beat(8)7.13%
EPS beat(12)9
Avg EPS beat(12)18%
EPS beat(16)13
Avg EPS beat(16)19.98%
Revenue beat(2)0
Avg Revenue beat(2)-0.71%
Min Revenue beat(2)-1.16%
Max Revenue beat(2)-0.27%
Revenue beat(4)1
Avg Revenue beat(4)1%
Min Revenue beat(4)-2.67%
Max Revenue beat(4)8.1%
Revenue beat(8)3
Avg Revenue beat(8)0.67%
Revenue beat(12)6
Avg Revenue beat(12)16.32%
Revenue beat(16)10
Avg Revenue beat(16)77.18%
PT rev (1m)-0.17%
PT rev (3m)0.51%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)-0.76%
EPS NY rev (3m)2.79%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.44%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.67%
Valuation
Industry RankSector Rank
PE 7.81
Fwd PE 7.95
P/S 1.05
P/FCF 16.31
P/OCF 12.37
P/B 0.74
P/tB 1
EV/EBITDA N/A
EPS(TTM)2.37
EY12.81%
EPS(NY)2.33
Fwd EY12.57%
FCF(TTM)1.13
FCFY6.13%
OCF(TTM)1.5
OCFY8.08%
SpS17.55
BVpS24.96
TBVpS18.5
PEG (NY)2.31
PEG (5Y)0.87
Graham Number36.48
Profitability
Industry RankSector Rank
ROA 0.42%
ROE 12.93%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 18.39%
GM N/A
FCFM 6.47%
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-Score5
Asset Turnover0.02
Health
Industry RankSector Rank
Debt/Equity 4.59
Debt/FCF 101.06
Debt/EBITDA N/A
Cap/Depr 83.94%
Cap/Sales 2.06%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 35.16%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC5.62%
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 Y3.38%
EPS Next 2Y4.31%
EPS Next 3Y4.93%
EPS Next 5Y4.72%
Revenue 1Y (TTM)-16.06%
Revenue growth 3Y-10.74%
Revenue growth 5Y-6.66%
Sales Q2Q%5.64%
Revenue Next Year3.95%
Revenue Next 2Y2.88%
Revenue Next 3Y3.07%
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 1Y105.99%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y108.02%
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.


Can you provide the valuation status for CREDIT AGRICOLE SA?

ChartMill assigns a valuation rating of 6 / 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 3 / 10.


How financially healthy is CREDIT AGRICOLE SA?

The financial health rating of CREDIT AGRICOLE SA (XCA.DE) is 1 / 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 3.38% in the next year.