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CREDIT AGRICOLE SA (1ACA.MI) Stock Fundamental Analysis

BIT:1ACA - Euronext Milan - FR0000045072 - Common Stock - Currency: EUR

15.76  +0.32 (+2.11%)

Fundamental Rating

3

Taking everything into account, 1ACA scores 3 out of 10 in our fundamental rating. 1ACA was compared to 97 industry peers in the Banks industry. 1ACA has a bad profitability rating. Also its financial health evaluation is rather negative. 1ACA is not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

In the past year 1ACA was profitable.
In the past year 1ACA has reported a negative cash flow from operations.
In the past 5 years 1ACA has always been profitable.
In multiple years 1ACA reported negative operating cash flow during the last 5 years.
1ACA.MI Yearly Net Income VS EBIT VS OCF VS FCF1ACA.MI Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20B -20B 40B

1.2 Ratios

The Return On Assets of 1ACA (0.43%) is worse than 70.53% of its industry peers.
1ACA has a Return On Equity of 13.27%. This is in the better half of the industry: 1ACA outperforms 72.63% of its industry peers.
Industry RankSector Rank
ROA 0.43%
ROE 13.27%
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
1ACA.MI Yearly ROA, ROE, ROIC1ACA.MI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8

1.3 Margins

1ACA has a worse Profit Margin (13.36%) than 75.79% of its industry peers.
1ACA's Profit Margin has improved in the last couple of years.
The Operating Margin and Gross Margin are not available for 1ACA so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 13.36%
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
1ACA.MI Yearly Profit, Operating, Gross Margins1ACA.MI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

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0

2. Health

2.1 Basic Checks

1ACA does not have a ROIC to compare to the WACC, probably because it is not profitable.
1ACA has about the same amout of shares outstanding than it did 1 year ago.
Compared to 5 years ago, 1ACA has more shares outstanding
1ACA has a worse debt/assets ratio than last year.
1ACA.MI Yearly Shares Outstanding1ACA.MI Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B
1ACA.MI Yearly Total Debt VS Total Assets1ACA.MI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500B 1T 1.5T 2T

2.2 Solvency

A Debt/Equity ratio of 4.63 is on the high side and indicates that 1ACA has dependencies on debt financing.
With a Debt to Equity ratio value of 4.63, 1ACA is not doing good in the industry: 83.16% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 4.63
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC5.42%
1ACA.MI Yearly LT Debt VS Equity VS FCF1ACA.MI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 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
1ACA.MI Yearly Current Assets VS Current Liabilites1ACA.MI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20B 40B 60B

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4

3. Growth

3.1 Past

1ACA shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 21.48%, which is quite impressive.
Measured over the past years, 1ACA shows a quite strong growth in Earnings Per Share. The EPS has been growing by 8.99% on average per year.
1ACA shows a small growth in Revenue. In the last year, the Revenue has grown by 8.00%.
1ACA shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -6.66% yearly.
EPS 1Y (TTM)21.48%
EPS 3Y8.15%
EPS 5Y8.99%
EPS Q2Q%54.29%
Revenue 1Y (TTM)8%
Revenue growth 3Y-10.74%
Revenue growth 5Y-6.66%
Sales Q2Q%18.19%

3.2 Future

Based on estimates for the next years, 1ACA will show a decrease in Earnings Per Share. The EPS will decrease by -4.47% on average per year.
The Revenue is expected to grow by 1.52% on average over the next years.
EPS Next Y-0.51%
EPS Next 2Y2.19%
EPS Next 3Y3.08%
EPS Next 5Y-4.47%
Revenue Next Year4.15%
Revenue Next 2Y3.34%
Revenue Next 3Y3.25%
Revenue Next 5Y1.52%

3.3 Evolution

The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
1ACA.MI Yearly Revenue VS Estimates1ACA.MI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 20B 40B 60B 80B
1ACA.MI Yearly EPS VS Estimates1ACA.MI Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 0.5 1 1.5 2

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4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 7.36, the valuation of 1ACA can be described as very cheap.
75.79% of the companies in the same industry are more expensive than 1ACA, based on the Price/Earnings ratio.
When comparing the Price/Earnings ratio of 1ACA to the average of the S&P500 Index (28.87), we can say 1ACA is valued rather cheaply.
With a Price/Forward Earnings ratio of 7.41, the valuation of 1ACA can be described as very cheap.
Compared to the rest of the industry, the Price/Forward Earnings ratio of 1ACA indicates a rather cheap valuation: 1ACA is cheaper than 87.37% of the companies listed in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 21.38. 1ACA is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 7.36
Fwd PE 7.41
1ACA.MI Price Earnings VS Forward Price Earnings1ACA.MI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
1ACA.MI Per share data1ACA.MI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 10 20

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)0.82
EPS Next 2Y2.19%
EPS Next 3Y3.08%

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6

5. Dividend

5.1 Amount

1ACA has a Yearly Dividend Yield of 6.59%, which is a nice return.
Compared to an average industry Dividend Yield of 5.42, 1ACA pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.46, 1ACA pays a better dividend.
Industry RankSector Rank
Dividend Yield 6.59%

5.2 History

On average, the dividend of 1ACA grows each year by 73.80%, which is quite nice.
Dividend Growth(5Y)73.8%
Div Incr Years0
Div Non Decr Years0

5.3 Sustainability

DP0%
EPS Next 2Y2.19%
EPS Next 3Y3.08%
1ACA.MI Yearly Income VS Free CF VS Dividend1ACA.MI Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20B -20B 40B

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CREDIT AGRICOLE SA

BIT:1ACA (4/14/2025, 7:00:00 PM)

15.76

+0.32 (+2.11%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-05 2025-02-05/bmo
Earnings (Next)04-30 2025-04-30
Inst Owners8.67%
Inst Owner ChangeN/A
Ins Owners0%
Ins Owner ChangeN/A
Market Cap47.69B
Analysts69.09
Price Target17.85 (13.26%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 6.59%
Yearly Dividend1.05
Dividend Growth(5Y)73.8%
DP0%
Div Incr Years0
Div Non Decr Years0
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)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)2.44%
PT rev (3m)7.59%
EPS NQ rev (1m)7.52%
EPS NQ rev (3m)10.45%
EPS NY rev (1m)0.84%
EPS NY rev (3m)4.34%
Revenue NQ rev (1m)1.2%
Revenue NQ rev (3m)3.64%
Revenue NY rev (1m)0.68%
Revenue NY rev (3m)1.48%
Valuation
Industry RankSector Rank
PE 7.36
Fwd PE 7.41
P/S 0.64
P/FCF N/A
P/OCF N/A
P/B 0.64
P/tB 0.87
EV/EBITDA N/A
EPS(TTM)2.14
EY13.58%
EPS(NY)2.13
Fwd EY13.5%
FCF(TTM)-5.61
FCFYN/A
OCF(TTM)-5.26
OCFYN/A
SpS24.52
BVpS24.69
TBVpS18.19
PEG (NY)N/A
PEG (5Y)0.82
Profitability
Industry RankSector Rank
ROA 0.43%
ROE 13.27%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 13.36%
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
ROICexcg growth 3YN/A
ROICexcg 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 RankSector Rank
Debt/Equity 4.63
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
WACC5.42%
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)21.48%
EPS 3Y8.15%
EPS 5Y8.99%
EPS Q2Q%54.29%
EPS Next Y-0.51%
EPS Next 2Y2.19%
EPS Next 3Y3.08%
EPS Next 5Y-4.47%
Revenue 1Y (TTM)8%
Revenue growth 3Y-10.74%
Revenue growth 5Y-6.66%
Sales Q2Q%18.19%
Revenue Next Year4.15%
Revenue Next 2Y3.34%
Revenue Next 3Y3.25%
Revenue Next 5Y1.52%
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