CREDIT AGRICOLE SA(EPA:ACA) stock Fundamental Analysis

Fundamental Rating

We assign a fundamental rating of 2 out of 10 to ACA. ACA was compared to 95 industry peers in the Banks industry. Both the profitability and financial health of ACA have multiple concerns. ACA is not valued too expensively and it also shows a decent growth rate.

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1. Profitability

1.1 Basic Checks

ACA had positive earnings in the past year.

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

In the past 5 years ACA has always been profitable.

The reported operating cash flow has been mixed in the past 5 years: ACA reported negative operating cash flow in multiple years.

1.2 Ratios

Looking at the Return On Assets, with a value of 0.43%, ACA is doing worse than 71.58% of the companies in the same industry.

ACA's Return On Equity of 13.27% is fine compared to the rest of the industry. ACA outperforms 72.63% of its industry peers.

		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

ACA's Profit Margin of 13.36% is on the low side compared to the rest of the industry. ACA is outperformed by 76.84% 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)	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

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.

Compared to 5 years ago, ACA has more shares outstanding

The debt/assets ratio for ACA is higher compared to a year ago.

2.2 Solvency

A Debt/Equity ratio of 4.63 is on the high side and indicates that ACA has dependencies on debt financing.

ACA has a worse Debt to Equity ratio (4.63) than 84.21% of its industry peers.

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

ROIC/WACCN/A

WACC5.42%

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

ACA shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 21.48%, which is quite impressive.

The Earnings Per Share has been growing by 8.99% on average over the past years. This is quite good.

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

The Revenue has been decreasing by -6.66% on average over the past years.

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, ACA 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 Year3.45%

Revenue Next 2Y3.26%

Revenue Next 3Y3.06%

Revenue Next 5Y1.52%

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 decreasing.

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

ACA is valuated cheaply with a Price/Earnings ratio of 7.89.

Based on the Price/Earnings ratio, ACA is valued a bit cheaper than the industry average as 67.37% of the companies are valued more expensively.

ACA is valuated cheaply when we compare the Price/Earnings ratio to 28.79, which is the current average of the S&P500 Index.

ACA is valuated cheaply with a Price/Forward Earnings ratio of 7.94.

76.84% of the companies in the same industry are more expensive than ACA, based on the Price/Forward Earnings ratio.

ACA is valuated cheaply when we compare the Price/Forward Earnings ratio to 21.38, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	7.89
Fwd PE	7.94

4.2 Price Multiples

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

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)0.88

EPS Next 2Y2.19%

EPS Next 3Y3.08%

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 6.75%, ACA is a good candidate for dividend investing.

Compared to an average industry Dividend Yield of 5.47, ACA pays a bit more dividend than its industry peers.

Compared to an average S&P500 Dividend Yield of 2.51, ACA pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	6.75%

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 Years0

Div Non Decr Years3

5.3 Sustainability

DP0%

EPS Next 2Y2.19%

EPS Next 3Y3.08%

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CREDIT AGRICOLE SA

EPA:ACA (4/25/2025, 7:00:00 PM)

16.88

+0.19 (+1.14%)

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 Cap51.08B

Analysts69.09

Price Target18.05 (6.93%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	6.75%

Yearly Dividend1.05

Dividend Growth(5Y)73.8%

DP0%

Div Incr Years0

Div Non Decr Years3

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)5

Avg Revenue beat(8)2.23%

Revenue beat(12)8

Avg Revenue beat(12)55.95%

Revenue beat(16)12

Avg Revenue beat(16)121.65%

PT rev (1m)3.36%

PT rev (3m)8.76%

EPS NQ rev (1m)7.52%

EPS NQ rev (3m)10.45%

EPS NY rev (1m)1.15%

EPS NY rev (3m)4.34%

Revenue NQ rev (1m)1.2%

Revenue NQ rev (3m)3.64%

Revenue NY rev (1m)0%

Revenue NY rev (3m)0.9%

Valuation

		Industry Rank	Sector Rank
PE	7.89
Fwd PE	7.94
P/S	0.69
P/FCF	N/A
P/OCF	N/A
P/B	0.68
P/tB	0.93
EV/EBITDA	N/A

EPS(TTM)2.14

EY12.68%

EPS(NY)2.13

Fwd EY12.6%

FCF(TTM)-5.61

FCFYN/A

OCF(TTM)-5.26

OCFYN/A

SpS24.52

BVpS24.69

TBVpS18.19

PEG (NY)N/A

PEG (5Y)0.88

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

WACC5.42%

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 Year3.45%

Revenue Next 2Y3.26%

Revenue Next 3Y3.06%

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

CREDIT AGRICOLE SA (ACA.PA) 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

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