CREDIT AGRICOLE SA (ACA.PA)
FR0000045072 - Common Stock
Taking everything into account, ACA scores 3 out of 10 in our fundamental rating. ACA was compared to 89 industry peers in the Banks industry. ACA has a bad profitability rating. Also its financial health evaluation is rather negative. ACA is not valued too expensively and it also shows a decent growth rate.
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.
Each year in the past 5 years ACA has been profitable.
Of the past 5 years ACA 4 years had a positive operating cash flow.
1.2 Ratios
With a Return On Assets value of 0.41%, ACA is not doing good in the industry: 73.81% of the companies in the same industry are doing better.
ACA has a better Return On Equity (13.14%) than 71.43% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.41% | ||
| ROE | 13.14% | ||
| ROIC | N/A |
ROA(3y)0.25%
ROA(5y)0.22%
ROE(3y)7.9%
ROE(5y)6.8%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
The Profit Margin of ACA (13.66%) is worse than 82.14% of its industry peers.
In the last couple of years the Profit Margin of ACA has grown nicely.
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) | 13.66% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y45.31%
PM growth 5Y13.97%
GM growth 3YN/A
GM growth 5YN/A
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
ACA has a worse debt/assets ratio than last year.
2.2 Solvency
A Debt/Equity ratio of 4.70 is on the high side and indicates that ACA has dependencies on debt financing.
ACA has a worse Debt to Equity ratio (4.70) than 90.48% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.7 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC4.87%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
ACA shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 3.07%.
Measured over the past 5 years, ACA shows a small growth in Earnings Per Share. The EPS has been growing by 5.45% on average per year.
Looking at the last year, ACA shows a very strong growth in Revenue. The Revenue has grown by 27.52%.
Measured over the past years, ACA shows a decrease in Revenue. The Revenue has been decreasing by -4.99% on average per year.
EPS 1Y (TTM)3.07%
EPS 3Y13.62%
EPS 5Y5.45%
EPS Q2Q%10.87%
Revenue 1Y (TTM)27.52%
Revenue growth 3Y-6.1%
Revenue growth 5Y-4.99%
Sales Q2Q%7%
3.2 Future
ACA is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 1.49% yearly.
ACA is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.43% yearly.
EPS Next Y15.19%
EPS Next 2Y7.63%
EPS Next 3Y6.8%
EPS Next 5Y1.49%
Revenue Next Year5.91%
Revenue Next 2Y4.03%
Revenue Next 3Y3.52%
Revenue Next 5Y3.43%
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.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 6.62 indicates a rather cheap valuation of ACA.
Compared to the rest of the industry, the Price/Earnings ratio of ACA indicates a somewhat cheap valuation: ACA is cheaper than 64.29% of the companies listed in the same industry.
When comparing the Price/Earnings ratio of ACA to the average of the S&P500 Index (27.54), we can say ACA is valued rather cheaply.
With a Price/Forward Earnings ratio of 6.33, the valuation of ACA can be described as very cheap.
84.52% of the companies in the same industry are more expensive than ACA, based on the Price/Forward Earnings ratio.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.99, ACA is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.62 | ||
| Fwd PE | 6.33 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
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)0.44
PEG (5Y)1.22
EPS Next 2Y7.63%
EPS Next 3Y6.8%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 8.03%, ACA is a good candidate for dividend investing.
ACA's Dividend Yield is rather good when compared to the industry average which is at 5.51. ACA pays more dividend than 92.86% of the companies in the same industry.
ACA's Dividend Yield is rather good when compared to the S&P500 average which is at 2.36.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.03% |
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
The earnings of ACA are negative and hence is the payout ratio. ACA will probably not be able to sustain this dividend level.
The dividend of ACA is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP-0.04%
EPS Next 2Y7.63%
EPS Next 3Y6.8%
CREDIT AGRICOLE SA
EPA:ACA (12/24/2024, 7:00:00 PM)
12.91
-0.12 (-0.88%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners8.81%
Inst Owner ChangeN/A
Ins Owners0%
Ins Owner ChangeN/A
Market Cap39.26B
Analysts69.17
Price Target16.62 (28.74%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.03% |
Dividend Growth(5Y)73.8%
DP-0.04%
Div Incr Years0
Div Non Decr Years3
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)7.77%
Min EPS beat(2)3.77%
Max EPS beat(2)11.77%
EPS beat(4)3
Avg EPS beat(4)3.96%
Min EPS beat(4)-10.73%
Max EPS beat(4)11.77%
EPS beat(8)6
Avg EPS beat(8)21.86%
EPS beat(12)10
Avg EPS beat(12)23.2%
EPS beat(16)14
Avg EPS beat(16)29.27%
Revenue beat(2)2
Avg Revenue beat(2)2.59%
Min Revenue beat(2)2.3%
Max Revenue beat(2)2.88%
Revenue beat(4)2
Avg Revenue beat(4)0.35%
Min Revenue beat(4)-3.66%
Max Revenue beat(4)2.88%
Revenue beat(8)5
Avg Revenue beat(8)23.99%
Revenue beat(12)9
Avg Revenue beat(12)102.58%
Revenue beat(16)13
Avg Revenue beat(16)157.55%
PT rev (1m)-0.75%
PT rev (3m)1.09%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-1.94%
EPS NY rev (1m)0%
EPS NY rev (3m)1.35%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.32%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.54%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.62 | ||
| Fwd PE | 6.33 | ||
| P/S | 0.58 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.56 | ||
| P/tB | 0.77 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.95
EY15.1%
EPS(NY)2.04
Fwd EY15.79%
FCF(TTM)-2.56
FCFYN/A
OCF(TTM)-2.25
OCFYN/A
SpS22.28
BVpS23.15
TBVpS16.79
PEG (NY)0.44
PEG (5Y)1.22
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.41% | ||
| ROE | 13.14% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 13.66% | ||
| GM | N/A | ||
| FCFM | N/A |
ROA(3y)0.25%
ROA(5y)0.22%
ROE(3y)7.9%
ROE(5y)6.8%
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 3Y45.31%
PM growth 5Y13.97%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.7 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 80.22% | ||
| Cap/Sales | 1.38% | ||
| 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-Score5
WACC4.87%
ROIC/WACCN/A
Cap/Depr(3y)82.01%
Cap/Depr(5y)80.36%
Cap/Sales(3y)1.76%
Cap/Sales(5y)1.52%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)3.07%
EPS 3Y13.62%
EPS 5Y5.45%
EPS Q2Q%10.87%
EPS Next Y15.19%
EPS Next 2Y7.63%
EPS Next 3Y6.8%
EPS Next 5Y1.49%
Revenue 1Y (TTM)27.52%
Revenue growth 3Y-6.1%
Revenue growth 5Y-4.99%
Sales Q2Q%7%
Revenue Next Year5.91%
Revenue Next 2Y4.03%
Revenue Next 3Y3.52%
Revenue Next 5Y3.43%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3Y-4.05%
EBIT Next 5YN/A
FCF growth 1Y-142.64%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-135.65%
OCF growth 3YN/A
OCF growth 5YN/A