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

FRA:XCA • FR0000045072

Current stock price

17.785 EUR
+0.64 (+3.7%)
Last:

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

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.
  • Each year in the past 5 years XCA has 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

  • XCA's Return On Assets of 0.40% is on the low side compared to the rest of the industry. XCA is outperformed by 81.82% of its industry peers.
  • XCA has a Return On Equity of 12.13%. This is comparable to the rest of the industry: XCA outperforms 59.09% 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

  • XCA's Profit Margin of 15.16% is on the low side compared to the rest of the industry. XCA is outperformed by 83.64% of its industry peers.
  • 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 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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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.
  • Compared to 1 year ago, XCA has about the same amount of shares outstanding.
  • The number of shares outstanding for XCA has been increased compared to 5 years ago.
  • Compared to 1 year ago, XCA has an improved debt to assets ratio.
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 61.82% 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's Debt to Equity ratio of 4.14 is on the low side compared to the rest of the industry. XCA is outperformed by 90.00% of its industry peers.
Industry RankSector Rank
Debt/Equity 4.14
Debt/FCF 17.97
Altman-Z N/A
ROIC/WACCN/A
WACC5.45%
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 -0.37%.
  • Measured over the past years, XCA shows a quite strong growth in Earnings Per Share. The EPS has been growing by 12.16% on average per year.
  • XCA shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -16.29%.
  • The Revenue has been decreasing by -0.72% on average over the past years.
EPS 1Y (TTM)-0.37%
EPS 3Y8.45%
EPS 5Y12.16%
EPS Q2Q%-44.44%
Revenue 1Y (TTM)-16.29%
Revenue growth 3Y14.11%
Revenue growth 5Y-0.72%
Sales Q2Q%40.12%

3.2 Future

  • The Earnings Per Share is expected to grow by 7.21% on average over the next years.
  • XCA is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 2.70% yearly.
EPS Next Y10.65%
EPS Next 2Y8.34%
EPS Next 3Y7.21%
EPS Next 5YN/A
Revenue Next Year1.57%
Revenue Next 2Y2.54%
Revenue Next 3Y2.7%
Revenue Next 5YN/A

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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7

4. XCA.DE Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 8.35, the valuation of XCA can be described as very reasonable.
  • Based on the Price/Earnings ratio, XCA is valued cheaply inside the industry as 89.09% of the companies are valued more expensively.
  • XCA is valuated cheaply when we compare the Price/Earnings ratio to 27.87, which is the current average of the S&P500 Index.
  • XCA is valuated cheaply with a Price/Forward Earnings ratio of 7.55.
  • Based on the Price/Forward Earnings ratio, XCA is valued cheaper than 95.45% of the companies in the same industry.
  • When comparing the Price/Forward Earnings ratio of XCA to the average of the S&P500 Index (38.51), we can say XCA is valued rather cheaply.
Industry RankSector Rank
PE 8.35
Fwd PE 7.55
XCA.DE Price Earnings VS Forward Price EarningsXCA.DE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

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 84.55% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 3.01
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)0.78
PEG (5Y)0.69
EPS Next 2Y8.34%
EPS Next 3Y7.21%

More info and screens

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 6.54%, XCA is a good candidate for dividend investing.
  • XCA's Dividend Yield is rather good when compared to the industry average which is at 4.50. XCA pays more dividend than 82.73% of the companies in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.81, XCA pays a better dividend.
Industry RankSector Rank
Dividend Yield 6.54%

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 Years2
Div Non Decr Years4
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 2Y8.34%
EPS Next 3Y7.21%
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 (4/17/2026, 7:00:00 PM)

17.785

+0.64 (+3.7%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-04
Earnings (Next)04-30
Inst Owners8.82%
Inst Owner ChangeN/A
Ins Owners0%
Ins Owner ChangeN/A
Market Cap53.82B
Revenue(TTM)62.11B
Net Income(TTM)9.42B
Analysts70.91
Price Target20.94 (17.74%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 6.54%
Yearly DividendN/A
Dividend Growth(5Y)73.8%
DP0%
Div Incr Years2
Div Non Decr Years4
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-9.46%
Min EPS beat(2)-18.58%
Max EPS beat(2)-0.35%
EPS beat(4)1
Avg EPS beat(4)-0.35%
Min EPS beat(4)-18.58%
Max EPS beat(4)26.25%
EPS beat(8)5
Avg EPS beat(8)4.72%
EPS beat(12)8
Avg EPS beat(12)11.27%
EPS beat(16)11
Avg EPS beat(16)17.24%
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)0.26%
PT rev (3m)8.06%
EPS NQ rev (1m)-6.89%
EPS NQ rev (3m)-8.13%
EPS NY rev (1m)-0.22%
EPS NY rev (3m)1.56%
Revenue NQ rev (1m)-1.28%
Revenue NQ rev (3m)-4.45%
Revenue NY rev (1m)0.18%
Revenue NY rev (3m)-0.05%
Valuation
Industry RankSector Rank
PE 8.35
Fwd PE 7.55
P/S 0.87
P/FCF 3.01
P/OCF 2.83
P/B 0.69
P/tB 0.93
EV/EBITDA N/A
EPS(TTM)2.13
EY11.98%
EPS(NY)2.36
Fwd EY13.25%
FCF(TTM)5.91
FCFY33.25%
OCF(TTM)6.28
OCFY35.33%
SpS20.53
BVpS25.67
TBVpS19.12
PEG (NY)0.78
PEG (5Y)0.69
Graham Number35.0718 (97.2%)
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
WACC5.45%
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)-0.37%
EPS 3Y8.45%
EPS 5Y12.16%
EPS Q2Q%-44.44%
EPS Next Y10.65%
EPS Next 2Y8.34%
EPS Next 3Y7.21%
EPS Next 5YN/A
Revenue 1Y (TTM)-16.29%
Revenue growth 3Y14.11%
Revenue growth 5Y-0.72%
Sales Q2Q%40.12%
Revenue Next Year1.57%
Revenue Next 2Y2.54%
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 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.


Can you provide the profitability details for CREDIT AGRICOLE SA?

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 8.35 and the Price/Book (PB) ratio is 0.69.


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 10.65% in the next year.