CREDIT AGRICOLE SA(BIT:1ACA) stock Fundamental Analysis

Fundamental Rating

Overall 1ACA gets a fundamental rating of 2 out of 10. We evaluated 1ACA against 99 industry peers in the Banks industry. 1ACA may be in some trouble as it scores bad on both profitability and health. 1ACA has a valuation in line with the averages, but it does not seem to be growing. 1ACA also has an excellent dividend rating.

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1. Profitability

1.1 Basic Checks

1ACA had positive earnings in the past year.

In the past year 1ACA has reported a negative cash flow from operations.

1ACA had positive earnings in each of the past 5 years.

In multiple years 1ACA reported negative operating cash flow during the last 5 years.

1.2 Ratios

1ACA's Return On Assets of 0.43% is on the low side compared to the rest of the industry. 1ACA is outperformed by 73.56% of its industry peers.

Looking at the Return On Equity, with a value of 13.27%, 1ACA is in the better half of the industry, outperforming 66.67% of the companies in the same industry.

		Industry Rank	Sector 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

1.3 Margins

Looking at the Profit Margin, with a value of 13.36%, 1ACA is doing worse than 81.61% of the companies in the same industry.

In the last couple of years the Profit Margin of 1ACA has grown nicely.

1ACA does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.

		Industry Rank	Sector 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

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

1ACA does not have a ROIC to compare to the WACC, probably because it is not profitable.

Compared to 1 year ago, 1ACA has about the same amount of shares outstanding.

The number of shares outstanding for 1ACA has been increased compared to 5 years ago.

Compared to 1 year ago, 1ACA has a worse debt to assets ratio.

2.2 Solvency

1ACA has a Debt/Equity ratio of 4.63. This is a high value indicating a heavy dependency on external financing.

1ACA has a Debt to Equity ratio of 4.63. This is amonst the worse of the industry: 1ACA underperforms 89.66% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	4.63
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC5.17%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

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Altman-Z score

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3. Growth

3.1 Past

The Earnings Per Share has been growing slightly by 6.60% over the past year.

The Earnings Per Share has been growing slightly by 6.18% on average over the past years.

1ACA shows a small growth in Revenue. In the last year, the Revenue has grown by 8.00%.

Measured over the past years, 1ACA shows a decrease in Revenue. The Revenue has been decreasing by -6.66% on average per year.

EPS 1Y (TTM)6.6%

EPS 3Y3.55%

EPS 5Y6.18%

EPS Q2Q%-20.51%

Revenue 1Y (TTM)8%

Revenue growth 3Y-10.74%

Revenue growth 5Y-6.66%

Sales Q2Q%20.55%

3.2 Future

Based on estimates for the next years, 1ACA will show a small growth in Earnings Per Share. The EPS will grow by 0.25% on average per year.

Based on estimates for the next years, 1ACA will show a small growth in Revenue. The Revenue will grow by 3.15% on average per year.

EPS Next Y12.08%

EPS Next 2Y8.93%

EPS Next 3Y7.49%

EPS Next 5Y0.25%

Revenue Next Year3.49%

Revenue Next 2Y3.18%

Revenue Next 3Y3.06%

Revenue Next 5Y3.15%

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.

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4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 8.82, the valuation of 1ACA can be described as very reasonable.

Based on the Price/Earnings ratio, 1ACA is valued a bit cheaper than the industry average as 62.07% of the companies are valued more expensively.

Compared to an average S&P500 Price/Earnings ratio of 29.35, 1ACA is valued rather cheaply.

The Price/Forward Earnings ratio is 7.89, which indicates a rather cheap valuation of 1ACA.

Compared to the rest of the industry, the Price/Forward Earnings ratio of 1ACA indicates a rather cheap valuation: 1ACA is cheaper than 80.46% of the companies listed in the same industry.

Compared to an average S&P500 Price/Forward Earnings ratio of 22.10, 1ACA is valued rather cheaply.

		Industry Rank	Sector Rank
PE	8.82
Fwd PE	7.89

4.2 Price Multiples

		Industry Rank	Sector Rank
P/FCF	N/A
EV/EBITDA	N/A

4.3 Compensation for Growth

1ACA's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.

PEG (NY)0.73

PEG (5Y)1.43

EPS Next 2Y8.93%

EPS Next 3Y7.49%

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5. Dividend

5.1 Amount

1ACA has a Yearly Dividend Yield of 6.77%, which is a nice return.

Compared to an average industry Dividend Yield of 5.06, 1ACA pays a better dividend. On top of this 1ACA pays more dividend than 80.46% of the companies listed in the same industry.

1ACA's Dividend Yield is rather good when compared to the S&P500 average which is at 2.33.

		Industry Rank	Sector Rank
Dividend Yield	6.77%

5.2 History

The dividend of 1ACA is nicely growing with an annual growth rate of 73.80%!

Dividend Growth(5Y)73.8%

Div Incr Years0

Div Non Decr Years0

5.3 Sustainability

The dividend of 1ACA is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.

DP0%

EPS Next 2Y8.93%

EPS Next 3Y7.49%

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CREDIT AGRICOLE SA

BIT:1ACA (3/6/2025, 7:00:00 PM)

16.585

+1.94 (+13.25%)

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 Cap50.18B

Analysts68.7

Price Target17.46 (5.28%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	6.77%

Yearly Dividend1.05

Dividend Growth(5Y)73.8%

DP0%

Div Incr Years0

Div Non Decr Years0

Ex-DateN/A

Surprises & Revisions

EPS beat(2)1

Avg EPS beat(2)-17.55%

Min EPS beat(2)-37.56%

Max EPS beat(2)2.46%

EPS beat(4)3

Avg EPS beat(4)-4.89%

Min EPS beat(4)-37.56%

Max EPS beat(4)11.77%

EPS beat(8)6

Avg EPS beat(8)9.74%

EPS beat(12)9

Avg EPS beat(12)18.21%

EPS beat(16)13

Avg EPS beat(16)20.87%

Revenue beat(2)1

Avg Revenue beat(2)3.79%

Min Revenue beat(2)-2.67%

Max Revenue beat(2)10.26%

Revenue beat(4)3

Avg Revenue beat(4)3.19%

Min Revenue beat(4)-2.67%

Max Revenue beat(4)10.26%

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)5.19%

PT rev (3m)5.18%

EPS NQ rev (1m)0%

EPS NQ rev (3m)N/A

EPS NY rev (1m)3.15%

EPS NY rev (3m)4.12%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)N/A

Revenue NY rev (1m)0.84%

Revenue NY rev (3m)1.52%

Valuation

		Industry Rank	Sector Rank
PE	8.82
Fwd PE	7.89
P/S	0.68
P/FCF	N/A
P/OCF	N/A
P/B	0.67
P/tB	0.91
EV/EBITDA	N/A

EPS(TTM)1.88

EY11.34%

EPS(NY)2.1

Fwd EY12.68%

FCF(TTM)-5.61

FCFYN/A

OCF(TTM)-5.26

OCFYN/A

SpS24.52

BVpS24.69

TBVpS18.19

PEG (NY)0.73

PEG (5Y)1.43

Profitability

		Industry Rank	Sector 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 Rank	Sector 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

WACC5.17%

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)6.6%

EPS 3Y3.55%

EPS 5Y6.18%

EPS Q2Q%-20.51%

EPS Next Y12.08%

EPS Next 2Y8.93%

EPS Next 3Y7.49%

EPS Next 5Y0.25%

Revenue 1Y (TTM)8%

Revenue growth 3Y-10.74%

Revenue growth 5Y-6.66%

Sales Q2Q%20.55%

Revenue Next Year3.49%

Revenue Next 2Y3.18%

Revenue Next 3Y3.06%

Revenue Next 5Y3.15%

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

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

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens