(ACA) Credit Agricole - Overview
Exchange: PA •
Country: France •
Currency: EUR •
Type: Common Stock •
ISIN: FR0000045072
Stock: Banking, Insurance, Investments, Financing, Property
Total Rating 27
Risk 50
Buy Signal -0.51
| Risk 5d forecast | |
|---|---|
| Volatility | 25.8% |
| Relative Tail Risk | -4.49% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.10 |
| Alpha | -6.26 |
| Character TTM | |
|---|---|
| Beta | 0.282 |
| Beta Downside | 0.466 |
| Drawdowns 3y | |
|---|---|
| Max DD | 16.18% |
| CAGR/Max DD | 1.54 |
EPS (Earnings per Share)
Revenue
Description: ACA Credit Agricole March 03, 2026
Crédit Agricole S.A. (ticker ACA) is a French-headquartered universal bank that serves individuals, SMEs, corporates, and institutional clients across Europe, the Americas, Africa, the Middle East, Asia-Pacific and Japan. Its operations are organized into five segments: Asset Gathering, Large Customers, Specialized Financial Services, French Retail Banking (LCL), and International Retail Banking, offering a full suite of banking, insurance, asset-management, and investment-banking services.
In its most recent quarter (Q1 2024), the group reported a net profit of €2.5 billion, a CET1 capital ratio of 13.9%, and loan-book growth of 3% year-on-year, while the net interest margin held steady at 1.2% despite a low-interest-rate environment in the Eurozone. Key sector drivers include the European Central Bank’s gradual rate hikes, which are boosting net interest income, and accelerating digital-banking adoption that is reshaping retail-banking cost structures.
For a deeper dive, you might explore the ValueRay platform.
Headlines to watch out for
- Interest rate fluctuations impact net interest income
- Global economic slowdown reduces investment banking activity
- Regulatory changes affect capital requirements
- Insurance claims volatility impacts profitability
- Competition in retail banking erodes market share
Piotroski VR‑10 (Strict, 0-10) 1.0
| Net Income: 10.73b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 2.01 > 1.0 |
| NWC/Revenue: -37.75% < 20% (prev -179.4%; Δ 141.7% < -1%) |
| CFO/TA 0.01 > 3% & CFO 19.01b > Net Income 10.73b |
| Net Debt (351.68b) to EBITDA (18.83b): 18.68 < 3 |
| Current Ratio: 0.70 > 1.5 & < 3 |
| Outstanding Shares: last quarter (3.03b) vs 12m ago 0.19% < -2% |
| Gross Margin: 57.01% > 18% (prev 0.58%; Δ 5.64k% > 0.5%) |
| Asset Turnover: 8.11% > 50% (prev 5.33%; Δ 2.78% > 0%) |
| Interest Coverage Ratio: 0.17 > 6 (EBITDA TTM 18.83b / Interest Expense TTM 79.65b) |
Altman Z'' -0.14
| A: -0.03 (Total Current Assets 167.55b - Total Current Liabilities 239.27b) / Total Assets 2374.31b |
| B: 0.00 (Retained Earnings 7.07b / Total Assets 2374.31b) |
| C: 0.01 (EBIT TTM 13.48b / Avg Total Assets 2342.04b) |
| D: 0.01 (Book Value of Equity 13.16b / Total Liabilities 2296.59b) |
| Altman-Z'' Score: -0.14 = B |
Beneish M -2.95
| DSRI: 0.60 (Receivables 87.63b/95.23b, Revenue 190.00b/123.16b) |
| GMI: 1.02 (GM 57.01% / 58.28%) |
| AQI: 1.00 (AQ_t 0.93 / AQ_t-1 0.92) |
| SGI: 1.54 (Revenue 190.00b / 123.16b) |
| TATA: -0.00 (NI 10.73b - CFO 19.01b) / TA 2374.31b) |
| Beneish M-Score: -2.95 (Cap -4..+1) = A |
What is the price of ACA shares?
As of March 17, 2026, the stock is trading at EUR 16.39 with a total of 4,946,164 shares traded.
Over the past week, the price has changed by -1.21%, over one month by -9.20%, over three months by -4.93% and over the past year by +5.82%.
Over the past week, the price has changed by -1.21%, over one month by -9.20%, over three months by -4.93% and over the past year by +5.82%.
Is ACA a buy, sell or hold?
Credit Agricole has no consensus analysts rating.
What are the forecasts/targets for the ACA price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 20.1 | 22.4% |
| Analysts Target Price | - | - |
ACA Fundamental Data Overview March 15, 2026
Market Cap USD = 56.56b (49.39b EUR * 1.1452 EUR.USD)
P/E Trailing = 7.4885
P/E Forward = 8.5985
P/S = 1.8599
P/B = 0.6432
P/EG = 4.0562
Revenue TTM = 190.00b EUR
EBIT TTM = 13.48b EUR
EBITDA TTM = 18.83b EUR
Long Term Debt = 311.24b EUR (from longTermDebt, last quarter)
Short Term Debt = 239.27b EUR (from shortTermDebt, last quarter)
Debt = 519.23b EUR (from shortLongTermDebtTotal, last quarter)
Net Debt = 351.68b EUR (from netDebt column, last quarter)
Enterprise Value = 401.07b EUR (49.39b + Debt 519.23b - CCE 167.55b)
Interest Coverage Ratio = 0.17 (Ebit TTM 13.48b / Interest Expense TTM 79.65b)
EV/FCF = 22.41x (Enterprise Value 401.07b / FCF TTM 17.90b)
FCF Yield = 4.46% (FCF TTM 17.90b / Enterprise Value 401.07b)
FCF Margin = 9.42% (FCF TTM 17.90b / Revenue TTM 190.00b)
Net Margin = 5.65% (Net Income TTM 10.73b / Revenue TTM 190.00b)
Gross Margin = 57.01% ((Revenue TTM 190.00b - Cost of Revenue TTM 81.67b) / Revenue TTM)
Gross Margin QoQ = 67.78% (prev 43.44%)
Tobins Q-Ratio = 0.17 (Enterprise Value 401.07b / Total Assets 2374.31b)
Interest Expense / Debt = 3.61% (Interest Expense 18.75b / Debt 519.23b)
Taxrate = 20.62% (981.0m / 4.76b)
NOPAT = 10.70b (EBIT 13.48b * (1 - 20.62%))
Current Ratio = 0.70 (Total Current Assets 167.55b / Total Current Liabilities 239.27b)
Debt / Equity = 7.47 (Debt 519.23b / totalStockholderEquity, last quarter 69.52b)
Debt / EBITDA = 18.68 (Net Debt 351.68b / EBITDA 18.83b)
Debt / FCF = 19.65 (Net Debt 351.68b / FCF TTM 17.90b)
Total Stockholder Equity = 72.88b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.46% (Net Income 10.73b / Total Assets 2374.31b)
RoE = 14.73% (Net Income TTM 10.73b / Total Stockholder Equity 72.88b)
RoCE = 3.51% (EBIT 13.48b / Capital Employed (Equity 72.88b + L.T.Debt 311.24b))
RoIC = 2.74% (NOPAT 10.70b / Invested Capital 391.05b)
WACC = 3.22% (E(49.39b)/V(568.62b) * Re(6.95%) + D(519.23b)/V(568.62b) * Rd(3.61%) * (1-Tc(0.21)))
Discount Rate = 6.95% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 7.95%
Shares Correlation 3-Years: 33.33 | Cagr: 0.02%
[DCF] Terminal Value 80.82% ; FCFF base≈17.90b ; Y1≈11.75b ; Y5≈5.36b
[DCF] Fair Price = N/A (negative equity: EV 170.79b - Net Debt 351.68b = -180.89b; debt exceeds intrinsic value)
EPS Correlation: 38.37 | EPS CAGR: 11.89% | SUE: -0.76 | # QB: 0
Revenue Correlation: 72.67 | Revenue CAGR: 89.82% | SUE: 2.50 | # QB: 3
EPS next Quarter (2026-06-30): EPS=0.60 | Chg7d=+0.012 | Chg30d=+0.004 | Revisions Net=+0 | Analysts=2
EPS current Year (2026-12-31): EPS=2.32 | Chg7d=+0.000 | Chg30d=+0.014 | Revisions Net=+5 | Growth EPS=+6.0% | Growth Revenue=+1.0%
EPS next Year (2027-12-31): EPS=2.47 | Chg7d=+0.000 | Chg30d=+0.043 | Revisions Net=+10 | Growth EPS=+6.8% | Growth Revenue=+3.2%
[Analyst] Revisions Ratio: +0.00 (1 Up / 1 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = -5.4% (Discount Rate 7.9% - Earnings Yield 13.4%)
[Growth] Growth Spread = +6.5% (Analyst 1.1% - Implied -5.4%)
P/E Trailing = 7.4885
P/E Forward = 8.5985
P/S = 1.8599
P/B = 0.6432
P/EG = 4.0562
Revenue TTM = 190.00b EUR
EBIT TTM = 13.48b EUR
EBITDA TTM = 18.83b EUR
Long Term Debt = 311.24b EUR (from longTermDebt, last quarter)
Short Term Debt = 239.27b EUR (from shortTermDebt, last quarter)
Debt = 519.23b EUR (from shortLongTermDebtTotal, last quarter)
Net Debt = 351.68b EUR (from netDebt column, last quarter)
Enterprise Value = 401.07b EUR (49.39b + Debt 519.23b - CCE 167.55b)
Interest Coverage Ratio = 0.17 (Ebit TTM 13.48b / Interest Expense TTM 79.65b)
EV/FCF = 22.41x (Enterprise Value 401.07b / FCF TTM 17.90b)
FCF Yield = 4.46% (FCF TTM 17.90b / Enterprise Value 401.07b)
FCF Margin = 9.42% (FCF TTM 17.90b / Revenue TTM 190.00b)
Net Margin = 5.65% (Net Income TTM 10.73b / Revenue TTM 190.00b)
Gross Margin = 57.01% ((Revenue TTM 190.00b - Cost of Revenue TTM 81.67b) / Revenue TTM)
Gross Margin QoQ = 67.78% (prev 43.44%)
Tobins Q-Ratio = 0.17 (Enterprise Value 401.07b / Total Assets 2374.31b)
Interest Expense / Debt = 3.61% (Interest Expense 18.75b / Debt 519.23b)
Taxrate = 20.62% (981.0m / 4.76b)
NOPAT = 10.70b (EBIT 13.48b * (1 - 20.62%))
Current Ratio = 0.70 (Total Current Assets 167.55b / Total Current Liabilities 239.27b)
Debt / Equity = 7.47 (Debt 519.23b / totalStockholderEquity, last quarter 69.52b)
Debt / EBITDA = 18.68 (Net Debt 351.68b / EBITDA 18.83b)
Debt / FCF = 19.65 (Net Debt 351.68b / FCF TTM 17.90b)
Total Stockholder Equity = 72.88b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.46% (Net Income 10.73b / Total Assets 2374.31b)
RoE = 14.73% (Net Income TTM 10.73b / Total Stockholder Equity 72.88b)
RoCE = 3.51% (EBIT 13.48b / Capital Employed (Equity 72.88b + L.T.Debt 311.24b))
RoIC = 2.74% (NOPAT 10.70b / Invested Capital 391.05b)
WACC = 3.22% (E(49.39b)/V(568.62b) * Re(6.95%) + D(519.23b)/V(568.62b) * Rd(3.61%) * (1-Tc(0.21)))
Discount Rate = 6.95% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 7.95%
Shares Correlation 3-Years: 33.33 | Cagr: 0.02%
[DCF] Terminal Value 80.82% ; FCFF base≈17.90b ; Y1≈11.75b ; Y5≈5.36b
[DCF] Fair Price = N/A (negative equity: EV 170.79b - Net Debt 351.68b = -180.89b; debt exceeds intrinsic value)
EPS Correlation: 38.37 | EPS CAGR: 11.89% | SUE: -0.76 | # QB: 0
Revenue Correlation: 72.67 | Revenue CAGR: 89.82% | SUE: 2.50 | # QB: 3
EPS next Quarter (2026-06-30): EPS=0.60 | Chg7d=+0.012 | Chg30d=+0.004 | Revisions Net=+0 | Analysts=2
EPS current Year (2026-12-31): EPS=2.32 | Chg7d=+0.000 | Chg30d=+0.014 | Revisions Net=+5 | Growth EPS=+6.0% | Growth Revenue=+1.0%
EPS next Year (2027-12-31): EPS=2.47 | Chg7d=+0.000 | Chg30d=+0.043 | Revisions Net=+10 | Growth EPS=+6.8% | Growth Revenue=+3.2%
[Analyst] Revisions Ratio: +0.00 (1 Up / 1 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = -5.4% (Discount Rate 7.9% - Earnings Yield 13.4%)
[Growth] Growth Spread = +6.5% (Analyst 1.1% - Implied -5.4%)