ACA Stock Analysis: Credit Agricole | PA
Banks - Regional | PA, France | Market Cap: 48.276m EUR | 12M Return: 3% | FR0000045072 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 89.0M
EPS Trend: 61.7%
Qual. Beats: 0
Rev. Trend: 86.7%
Qual. Beats: 1
Warnings
Tailwinds
No distinct edge detected
Seasonality 11.7 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Crédit Agricole S.A. is a French financial institution offering retail and corporate banking, insurance, and investment banking services across a broad geographic footprint spanning Europe, the Americas, Africa, the Middle East, and Asia Pacific. The company operates through five segments: Asset Gathering, Large Customers, Specialized Financial Services, French Retail Banking – LCL, and International Retail Banking, serving a diverse client base that includes individuals, SMEs, corporates, farmers, institutional investors, and local authorities.
Founded in 1894 and headquartered in Montrouge, Crédit Agricole S.A. functions as a subsidiary of SAS Rue La Boetie. As one of Europes largest listed banks, it is classified within the regional banks sub-industry of the financials sector, reflecting its diversified universal banking model that combines commercial banking, asset management, insurance, and specialized financial services under a single corporate structure.
- Net interest margin expansion as ECB rate cuts lag
- Cariparma loan growth supports Italian retail banking recovery
- Insurance AUM growth lifts Asset Gathering segment fees
| Net Income: 10.1b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 1.98 > 1.0 |
| NWC/Revenue: -33.34% < 20% (prev -4.64%; Δ -28.70% < -1%) |
| CFO/TA 0.01 > 3% & CFO 19.0b > Net Income 10.1b |
| Net Debt (536b) to EBITDA (16.8b): 31.81 < 3 |
| Current Ratio: 0.70 > 1.5 & < 3 |
| Outstanding Shares: last quarter (3.02b) vs 12m ago -0.01% < -2% |
| Gross Margin: 78.21% > 18% (prev 56.33%; Δ 21.89% > 0.5%) |
| Asset Turnover: 8.07% > 50% (prev 5.02%; Δ 3.05% > 0%) |
| Interest Coverage Ratio: 0.39 > 6 (EBIT TTM 15.5b / Interest Expense TTM 39.8b) |
| A: -0.03 (Total Current Assets 150b - Total Current Liabilities 215b) / Total Assets 2462b |
| B: 0.00 (Retained Earnings 3.73b / Total Assets 2462b) |
| C: 0.01 (EBIT TTM 15.5b / Avg Total Assets 2388b) |
| D: 0.03 (Book Value of Equity 70.2b / Total Liabilities 2383b) |
| Altman-Z'' = -0.09 = B |
As of October 17, 2026, the stock is trading at EUR 15.72 with a total of 5,283,674 shares traded. Over the past week, the price has changed by -0.22%, over one month by -11.43%, over three months by -9.13% and over the past year by +2.99%.
Current recommended Stop Loss: 15.20 (which is 3.3% or 1.4 ATR below the current price).
Credit Agricole has no consensus analysts rating.
P/E Trailing = 8.0379
P/E Forward = 7.2727
P/S = 1.855
P/B = 0.7026
P/EG = 4.0562
Revenue TTM = 193b EUR
EBIT TTM = 15.5b EUR
EBITDA TTM = 16.8b EUR
Long Term Debt = 170b EUR (from longTermDebt, last fiscal year)
Short Term Debt = 215b EUR (from shortTermDebt, last quarter)
Debt = 686b EUR (from shortLongTermDebtTotal, last quarter)
Net Debt = 536b EUR (calculated: Debt 686b - CCE 150b)
Enterprise Value = 584b EUR (48.3b + Debt 686b - CCE 150b)
Interest Coverage Ratio = 0.39 (Ebit TTM 15.5b / Interest Expense TTM 39.8b)
EV/FCF = 32.63x (Enterprise Value 584b / FCF TTM 17.9b)
FCF Yield = 3.06% (FCF TTM 17.9b / Enterprise Value 584b)
FCF Margin = 9.29% (FCF TTM 17.9b / Revenue TTM 193b)
Net Margin = 5.24% (Net Income TTM 10.1b / Revenue TTM 193b)
Gross Margin = 78.21% ((Revenue TTM 193b - Cost of Revenue TTM 42.0b) / Revenue TTM)
Gross Margin QoQ = 63.46% (prev none%)
Tobins Q-Ratio = 0.24 (Enterprise Value 584b / Total Assets 2462b)
Interest Expense / Debt = 5.81% (Interest Expense 39.8b / Debt 686b)
Taxrate = 30.35% (1.66b / 5.48b)
NOPAT = 10.8b (EBIT 15.5b * (1 - 30.35%))
Current Ratio = 0.70 (Total Current Assets 150b / Total Current Liabilities 215b)
Debt / Equity = 9.77 (Debt 686b / totalStockholderEquity, last quarter 70.2b)
Debt / EBITDA = 31.81 (Net Debt 536b / EBITDA 16.8b)
Debt / FCF = 29.93 (Net Debt 536b / FCF TTM 17.9b)
Total Stockholder Equity = 74.1b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.42% (Net Income 10.1b / Total Assets 2462b)
RoE = 13.63% (Net Income TTM 10.1b / Total Stockholder Equity 74.1b)
RoCE = 6.34% (EBIT 15.5b / Capital Employed (Equity 74.1b + L.T.Debt 170b))
RoIC = 0.44% (NOPAT 10.8b / Invested Capital 2453b)
WACC = 4.24% (E(48.3b)/V(734b) * Re(7.0%) + D(686b)/V(734b) * Rd(5.81%) * (1-Tc(0.30)))
Discount Rate = 7.0% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 49.50 | Cagr: 0.10%
[DCF] Terminal Value 75.44% ; FCFF base≈17.9b ; Y1≈18.0b ; Y5≈19.0b
[DCF] Fair Price = N/A (negative equity: EV 296b - Net Debt 536b = -240b; debt exceeds intrinsic value)
EPS Correlation: 61.69 | EPS CAGR: 6.94% | SUE: -0.19 | # QB: 0
Revenue Correlation: 86.70 | Revenue CAGR: 76.76% | SUE: 1.30 | # QB: 1
EPS current Quarter (2026-09-30): EPS=0.54 | Chg30d=-4.58% | Revisions=+0% | Analysts=5
EPS current Year (2026-12-31): EPS=2.30 | Chg30d=-0.40% | Revisions=+62% | GrowthEPS=+5.2% | GrowthRev=+1.9%
EPS next Year (2027-12-31): EPS=2.49 | Chg30d=+0.02% | Revisions=+62% | GrowthEPS=+8.2% | GrowthRev=+3.5%
[Analyst] Revisions Ratio: +67% (up=11, down=1)