(ACA) Credit Agricole - Overview
Exchange: PA •
Country: France •
Currency: EUR •
Type: Common Stock •
ISIN: FR0000045072
Stock:
Total Rating 43
Risk 54
Buy Signal -0.16
| Risk 5d forecast | |
|---|---|
| Volatility | 19.5% |
| Relative Tail Risk | -2.55% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.91 |
| Alpha | 19.19 |
| Character TTM | |
|---|---|
| Beta | 0.294 |
| Beta Downside | 0.465 |
| Drawdowns 3y | |
|---|---|
| Max DD | 16.18% |
| CAGR/Max DD | 1.99 |
EPS (Earnings per Share)
Revenue
Description: ACA Credit Agricole
Crédit Agricole S.A. provides retail and corporate banking, insurance, and investment banking products and services in France, Italy, rest of the European Union, rest of Europe, North America, Central and South America, Africa, the Middle East, the Asia Pacific, and Japan. It operates in five segments: Asset Gathering, Large Customers, Specialized Financial Services, French Retail Banking ' LCL, and International Retail Banking. The company offers savings/retirement, death and disability/creditor/group, and property and casualty insurance products; asset management; investment solutions; banking products and services, savings, wealth management, payment, cash flow management, and online banking services; personal finance and mobility; and specialized financial services. It also provides investment banking, structured finance, international trade finance, commercial banking, capital market, and syndication services; leasing, factoring, and energy and territorial financing; and asset servicing solutions for investment products, as well as various asset classes, such as execution, clearing, forex, security lending, custody, depositary banking, fund administration, middle-office outsourcing, fund distribution, and issuer services. In addition, the company offers property services, including transactions, rental, rental management, condominium trustee, and renovation under the Square Habitat brand; property development and management; and low-carbon electricity production. The company serves individuals, SMEs, small businesses, corporates, farmers, financial institutions, local authorities, asset managers, insurance companies, institutional investors, pension and unlisted funds, banks, and brokers. Crédit Agricole S.A. was founded in 1894 and is headquartered in Montrouge, France. Crédit Agricole S.A. is a subsidiary of SAS Rue La Boetie.
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 5643 % > 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 02, 2026, the stock is trading at EUR 18.79 with a total of 4,929,771 shares traded.
Over the past week, the price has changed by +0.37%, over one month by +1.65%, over three months by +13.30% and over the past year by +24.40%.
Over the past week, the price has changed by +0.37%, over one month by +1.65%, over three months by +13.30% and over the past year by +24.40%.
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 | 6.8% |
| Analysts Target Price | - | - |
ACA Fundamental Data Overview February 27, 2026
Market Cap USD = 67.89b (57.56b EUR * 1.1794 EUR.USD)
P/E Trailing = 8.7271
P/E Forward = 9.0253
P/S = 2.1675
P/B = 0.6826
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 = 409.24b EUR (57.56b + Debt 519.23b - CCE 167.55b)
Interest Coverage Ratio = 0.17 (Ebit TTM 13.48b / Interest Expense TTM 79.65b)
EV/FCF = 22.87x (Enterprise Value 409.24b / FCF TTM 17.90b)
FCF Yield = 4.37% (FCF TTM 17.90b / Enterprise Value 409.24b)
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 409.24b / 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 = 3.28% (E(57.56b)/V(576.79b) * Re(7.0%) + D(519.23b)/V(576.79b) * Rd(3.61%) * (1-Tc(0.21)))
Discount Rate = 7.0% (= 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: 38.53 | EPS CAGR: 11.89% | SUE: -0.49 | # 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=+0.002 | Chg30d=+0.016 | Revisions Net=+5 | Growth EPS=+6.0% | Growth Revenue=+1.0%
EPS next Year (2027-12-31): EPS=2.47 | Chg7d=+0.003 | Chg30d=+0.045 | 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 = -3.5% (Discount Rate 7.9% - Earnings Yield 11.5%)
[Growth] Growth Spread = +4.6% (Analyst 1.1% - Implied -3.5%)
P/E Trailing = 8.7271
P/E Forward = 9.0253
P/S = 2.1675
P/B = 0.6826
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 = 409.24b EUR (57.56b + Debt 519.23b - CCE 167.55b)
Interest Coverage Ratio = 0.17 (Ebit TTM 13.48b / Interest Expense TTM 79.65b)
EV/FCF = 22.87x (Enterprise Value 409.24b / FCF TTM 17.90b)
FCF Yield = 4.37% (FCF TTM 17.90b / Enterprise Value 409.24b)
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 409.24b / 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 = 3.28% (E(57.56b)/V(576.79b) * Re(7.0%) + D(519.23b)/V(576.79b) * Rd(3.61%) * (1-Tc(0.21)))
Discount Rate = 7.0% (= 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: 38.53 | EPS CAGR: 11.89% | SUE: -0.49 | # 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=+0.002 | Chg30d=+0.016 | Revisions Net=+5 | Growth EPS=+6.0% | Growth Revenue=+1.0%
EPS next Year (2027-12-31): EPS=2.47 | Chg7d=+0.003 | Chg30d=+0.045 | 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 = -3.5% (Discount Rate 7.9% - Earnings Yield 11.5%)
[Growth] Growth Spread = +4.6% (Analyst 1.1% - Implied -3.5%)