CREDIT AGRICOLE SA (ACA.PA) Fundamental Analysis & Valuation

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

ChartMill assigns a fundamental rating of 3 / 10 to ACA.PA.

Q: What is the profitability of ACA stock?

CREDIT AGRICOLE SA (ACA.PA) has a profitability rating of 2 / 10.

Q: Can you provide the dividend sustainability for ACA stock?

The dividend rating of CREDIT AGRICOLE SA (ACA.PA) is 7 / 10 and the dividend payout ratio is 0%.

EPA:ACA • FR0000045072

16.365 EUR

-0.21 (-1.3%)

Last: Apr 2, 2026, 07:00 PM

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

1. ACA.PA Profitability Analysis

1.1 Basic Checks

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

1.2 Ratios

ACA has a Return On Assets of 0.40%. This is amonst the worse of the industry: ACA underperforms 81.98% of its industry peers.
ACA has a Return On Equity (12.13%) which is in line with its industry peers.

		Industry Rank	Sector 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

1.3 Margins

ACA has a worse Profit Margin (15.16%) than 81.08% of its industry peers.
ACA's Profit Margin has improved in the last couple of years.
The Operating Margin and Gross Margin are not available for ACA so they could not be analyzed.

		Industry Rank	Sector 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

More info and screens

ROA ROE ROIC Operating and Profit Margin Show most profitable peers

2. ACA.PA Health Analysis

2.1 Basic Checks

ACA does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for ACA remains at a similar level compared to 1 year ago.
The number of shares outstanding for ACA has been increased compared to 5 years ago.
The debt/assets ratio for ACA has been reduced compared to a year ago.

2.2 Solvency

ACA has a debt to FCF ratio of 17.97. This is a negative value and a sign of low solvency as ACA would need 17.97 years to pay back of all of its debts.
The Debt to FCF ratio of ACA (17.97) is better than 64.86% of its industry peers.
ACA has a Debt/Equity ratio of 4.14. This is a high value indicating a heavy dependency on external financing.
Looking at the Debt to Equity ratio, with a value of 4.14, ACA is doing worse than 87.39% of the companies in the same industry.

		Industry Rank	Sector Rank
Debt/Equity	4.14
Debt/FCF	17.97
Altman-Z	N/A

ROIC/WACCN/A

WACC5.34%

2.3 Liquidity

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

More info and screens

WACC Debt/Equity How to determine the health of a company Altman-Z score Show peers with great health

3. ACA.PA Growth Analysis

3.1 Past

ACA shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -7.68%.
The Earnings Per Share has been growing by 10.47% on average over the past years. This is quite good.
Looking at the last year, ACA shows a very negative growth in Revenue. The Revenue has decreased by -16.29% in the last year.
ACA shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -0.72% yearly.

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

ACA is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 10.07% yearly.
ACA is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 2.88% yearly.

EPS Next Y19.66%

EPS Next 2Y12.63%

EPS Next 3Y10.07%

EPS Next 5YN/A

Revenue Next Year1.42%

Revenue Next 2Y2.64%

Revenue Next 3Y2.88%

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.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.

More info and screens

Find the best growth stocks Show best growing peers

4. ACA.PA Valuation Analysis

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 8.31, the valuation of ACA can be described as reasonable.
Based on the Price/Earnings ratio, ACA is valued cheaper than 83.78% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 25.60, ACA is valued rather cheaply.
ACA is valuated cheaply with a Price/Forward Earnings ratio of 6.93.
Compared to the rest of the industry, the Price/Forward Earnings ratio of ACA indicates a rather cheap valuation: ACA is cheaper than 94.59% of the companies listed in the same industry.
ACA is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.84, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	8.31
Fwd PE	6.93

4.2 Price Multiples

84.68% of the companies in the same industry are more expensive than ACA, based on the Price/Free Cash Flow ratio.

		Industry Rank	Sector Rank
P/FCF	2.77
EV/EBITDA	N/A

4.3 Compensation for Growth

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

PEG (NY)0.42

PEG (5Y)0.79

EPS Next 2Y12.63%

EPS Next 3Y10.07%

More info and screens

Price/Earnings Price/FCF FCF per share EV/EBITDA PEG RATIO Show best valued peers

5. ACA.PA Dividend Analysis

5.1 Amount

With a Yearly Dividend Yield of 7.12%, ACA is a good candidate for dividend investing.
ACA's Dividend Yield is rather good when compared to the industry average which is at 4.83. ACA pays more dividend than 85.59% of the companies in the same industry.
ACA's Dividend Yield is rather good when compared to the S&P500 average which is at 1.90.

		Industry Rank	Sector Rank
Dividend Yield	7.12%

5.2 History

On average, the dividend of ACA grows each year by 73.80%, which is quite nice.

Dividend Growth(5Y)73.8%

Div Incr Years2

Div Non Decr Years5

5.3 Sustainability

ACA'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%

More info and screens

Find the best dividend stocks Show peers with best dividend

ACA.PA Fundamentals: All Metrics, Ratios and Statistics

CREDIT AGRICOLE SA

EPA:ACA (4/2/2026, 7:00:00 PM)

16.365

-0.21 (-1.3%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)02-04 2026-02-04/bmo

Earnings (Next)04-30 2026-04-30

Inst Owners8.56%

Inst Owner ChangeN/A

Ins Owners0%

Ins Owner ChangeN/A

Market Cap49.52B

Revenue(TTM)62.11B

Net Income(TTM)9.42B

Analysts70.91

Price Target20.88 (27.59%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	7.12%

Yearly DividendN/A

Dividend Growth(5Y)73.8%

DP0%

Div Incr Years2

Div Non Decr Years5

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)0.21%

PT rev (3m)7.44%

EPS NQ rev (1m)0%

EPS NQ rev (3m)-1.33%

EPS NY rev (1m)0%

EPS NY rev (3m)1.78%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)-3.21%

Revenue NY rev (1m)0.02%

Revenue NY rev (3m)-0.2%

Valuation

		Industry Rank	Sector Rank
PE	8.31
Fwd PE	6.93
P/S	0.8
P/FCF	2.77
P/OCF	2.6
P/B	0.64
P/tB	0.86
EV/EBITDA	N/A

EPS(TTM)1.97

EY12.04%

EPS(NY)2.36

Fwd EY14.43%

FCF(TTM)5.91

FCFY36.14%

OCF(TTM)6.28

OCFY38.39%

SpS20.53

BVpS25.67

TBVpS19.12

PEG (NY)0.42

PEG (5Y)0.79

Graham Number33.73

Profitability

		Industry Rank	Sector 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 Rank	Sector 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

WACC5.34%

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 Year1.42%

Revenue Next 2Y2.64%

Revenue Next 3Y2.88%

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 / ACA.PA Fundamental Analysis FAQ

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

ChartMill assigns a fundamental rating of 3 / 10 to ACA.PA.

Can you provide the valuation status for CREDIT AGRICOLE SA?

ChartMill assigns a valuation rating of 7 / 10 to CREDIT AGRICOLE SA (ACA.PA). This can be considered as Undervalued.

What is the profitability of ACA stock?

CREDIT AGRICOLE SA (ACA.PA) has a profitability rating of 2 / 10.

What is the expected EPS growth for CREDIT AGRICOLE SA (ACA.PA) stock?

The Earnings per Share (EPS) of CREDIT AGRICOLE SA (ACA.PA) is expected to grow by 19.66% in the next year.

Can you provide the dividend sustainability for ACA stock?

The dividend rating of CREDIT AGRICOLE SA (ACA.PA) is 7 / 10 and the dividend payout ratio is 0%.