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CREDIT AGRICOLE SA (ACA.PA) Stock Fundamental Analysis

EPA:ACA - Euronext Paris - Matif - FR0000045072 - Common Stock - Currency: EUR

16.575  0 (-0.03%)

Fundamental Rating

2

Taking everything into account, ACA scores 2 out of 10 in our fundamental rating. ACA was compared to 93 industry peers in the Banks industry. Both the profitability and financial health of ACA have multiple concerns. ACA has a valuation in line with the averages, but on the other hand it scores bad on growth.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

In the past year ACA was profitable.
In the past year ACA has reported a negative cash flow from operations.
Each year in the past 5 years ACA has been profitable.
In multiple years ACA reported negative operating cash flow during the last 5 years.
ACA.PA Yearly Net Income VS EBIT VS OCF VS FCFACA.PA 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 ACA (0.43%) is worse than 69.89% of its industry peers.
ACA has a Return On Equity of 13.27%. This is in the better half of the industry: ACA outperforms 70.97% 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
ACA.PA Yearly ROA, ROE, ROICACA.PA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8

1.3 Margins

With a Profit Margin value of 13.36%, ACA is not doing good in the industry: 75.27% of the companies in the same industry are doing better.
ACA's Profit Margin has improved in the last couple of years.
ACA does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
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
ACA.PA Yearly Profit, Operating, Gross MarginsACA.PA 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

ACA does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, ACA has about the same amount of shares outstanding.
Compared to 5 years ago, ACA has more shares outstanding
Compared to 1 year ago, ACA has a worse debt to assets ratio.
ACA.PA Yearly Shares OutstandingACA.PA Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B
ACA.PA Yearly Total Debt VS Total AssetsACA.PA 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

ACA has a Debt/Equity ratio of 4.63. This is a high value indicating a heavy dependency on external financing.
Looking at the Debt to Equity ratio, with a value of 4.63, ACA is doing worse than 82.80% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 4.63
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC5.2%
ACA.PA Yearly LT Debt VS Equity VS FCFACA.PA 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
ACA.PA Yearly Current Assets VS Current LiabilitesACA.PA 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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3

3. Growth

3.1 Past

ACA shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 6.60%.
ACA shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 6.18% yearly.
The Revenue has been growing slightly by 8.00% in the past year.
The Revenue has been decreasing by -6.66% on average over the past years.
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, ACA 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, ACA 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 Year3.45%
Revenue Next 2Y3.26%
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.
ACA.PA Yearly Revenue VS EstimatesACA.PA 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
ACA.PA Yearly EPS VS EstimatesACA.PA 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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5

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 8.82, which indicates a very decent valuation of ACA.
Compared to the rest of the industry, the Price/Earnings ratio of ACA is on the same level as its industry peers.
The average S&P500 Price/Earnings ratio is at 29.35. ACA is valued rather cheaply when compared to this.
With a Price/Forward Earnings ratio of 7.88, the valuation of ACA can be described as very cheap.
ACA's Price/Forward Earnings ratio is rather cheap when compared to the industry. ACA is cheaper than 84.95% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of ACA to the average of the S&P500 Index (22.10), we can say ACA is valued rather cheaply.
Industry RankSector Rank
PE 8.82
Fwd PE 7.88
ACA.PA Price Earnings VS Forward Price EarningsACA.PA 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
ACA.PA Per share dataACA.PA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 10 20

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)0.73
PEG (5Y)1.43
EPS Next 2Y8.93%
EPS Next 3Y7.49%

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6

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 6.33%, ACA is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 5.02, ACA pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.33, ACA pays a better dividend.
Industry RankSector Rank
Dividend Yield 6.33%

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
ACA.PA Yearly Dividends per shareACA.PA Yearly Dividends per shareYearly Dividends per share 2019 2021 2022 2023 2024 0.2 0.4 0.6 0.8 1

5.3 Sustainability

ACA's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP0%
EPS Next 2Y8.93%
EPS Next 3Y7.49%
ACA.PA Yearly Income VS Free CF VS DividendACA.PA 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

EPA:ACA (3/7/2025, 7:00:00 PM)

16.575

0 (-0.03%)

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 Cap50.15B
Analysts69.09
Price Target17.46 (5.34%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 6.33%
Yearly Dividend1.05
Dividend Growth(5Y)73.8%
DP0%
Div Incr Years0
Div Non Decr Years3
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)5
Avg Revenue beat(8)2.5%
Revenue beat(12)8
Avg Revenue beat(12)56.13%
Revenue beat(16)12
Avg Revenue beat(16)121.78%
PT rev (1m)4.38%
PT rev (3m)5.06%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)2.57%
EPS NY rev (3m)3.15%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.03%
Revenue NY rev (1m)0.8%
Revenue NY rev (3m)1.25%
Valuation
Industry RankSector Rank
PE 8.82
Fwd PE 7.88
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 EY12.69%
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 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
WACC5.2%
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 Year3.45%
Revenue Next 2Y3.26%
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