(ACA) Credit Agricole - Overview
Stock: Banking, Insurance, Asset, Credit, Investment
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 6.74% |
| Yield on Cost 5y | 17.00% |
| Yield CAGR 5y | 8.29% |
| Payout Consistency | 74.0% |
| Payout Ratio | 45.8% |
| Risk 5d forecast | |
|---|---|
| Volatility | 18.4% |
| Relative Tail Risk | -1.56% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 1.28 |
| Alpha | 26.97 |
| Character TTM | |
|---|---|
| Beta | 0.217 |
| Beta Downside | 0.299 |
| Drawdowns 3y | |
|---|---|
| Max DD | 16.18% |
| CAGR/Max DD | 1.63 |
Description: ACA Credit Agricole January 28, 2026
Crédit Agricole S.A. (ticker ACA) is a French-headquartered universal bank that operates across retail, corporate, insurance, and investment-banking lines in Europe, the Americas, Africa, the Middle East, Asia-Pacific and Japan. Its business is organized into five segments: Asset Gathering, Large Customers, Specialized Financial Services, French Retail Banking (LCL), and International Retail Banking, serving individuals, SMEs, corporates, farmers, and institutional investors.
In its latest Q2 2024 results, the group posted a net profit of €3.8 billion, a CET1 capital ratio of 13.5 % (up from 13.1 % at year-end 2023), and a loan-book expansion of 2.1 % YoY, driven primarily by higher interest-rate margins that lifted net interest income by roughly 5 %. Digital channels now account for about 30 % of total retail transactions, underscoring the bank’s ongoing shift toward online banking services.
Key sector drivers include the European Central Bank’s policy-rate environment, which continues to support net-interest-margin expansion but also raises credit-risk concerns for SME-heavy portfolios, and the accelerating adoption of fintech solutions that pressure traditional banks to enhance cost-efficiency and customer experience.
For a deeper quantitative assessment, you may want to explore the detailed financial models on ValueRay.
Piotroski VR‑10 (Strict, 0-10) 2.0
| Net Income: 7.57b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.02 > 0.02 and ΔFCF/TA -1.98 > 1.0 |
| NWC/Revenue: -11.4k% < 20% (prev -25.3k%; Δ 13.9k% < -1%) |
| CFO/TA 0.02 > 3% & CFO 53.40b > Net Income 7.57b |
| Net Debt (-271.28b) to EBITDA (11.29b): -24.03 < 3 |
| Current Ratio: 0.60 > 1.5 & < 3 |
| Outstanding Shares: last quarter (3.02b) vs 12m ago 0.56% < -2% |
| Gross Margin: error (current vs previous; cannot be calculated due to missing/invalid data or negative margin) |
| Asset Turnover: 0.16% > 50% (prev 0.08%; Δ 0.08% > 0%) |
| Interest Coverage Ratio: 0.23 > 6 (EBITDA TTM 11.29b / Interest Expense TTM 49.15b) |
Altman Z'' -1.14
| A: -0.18 (Total Current Assets 629.68b - Total Current Liabilities 1053.23b) / Total Assets 2314.39b |
| B: 0.00 (Retained Earnings 4.21b / Total Assets 2314.39b) |
| C: 0.00 (EBIT TTM 11.29b / Avg Total Assets 2273.63b) |
| D: 0.02 (Book Value of Equity 36.55b / Total Liabilities 2229.88b) |
| Altman-Z'' Score: -1.14 = CCC |
Beneish M -2.76
| DSRI: 0.50 (Receivables 45.01b/44.45b, Revenue 3.71b/1.83b) |
| GMI: 1.00 (fallback, negative margins) |
| AQI: 0.94 (AQ_t 0.72 / AQ_t-1 0.77) |
| SGI: 2.02 (Revenue 3.71b / 1.83b) |
| TATA: -0.02 (NI 7.57b - CFO 53.40b) / TA 2314.39b) |
| Beneish M-Score: -2.76 (Cap -4..+1) = A |
What is the price of ACA shares?
Over the past week, the price has changed by +4.38%, over one month by +3.43%, over three months by +17.66% and over the past year by +33.49%.
Is ACA a buy, sell or hold?
What are the forecasts/targets for the ACA price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 19.3 | 5.9% |
| Analysts Target Price | - | - |
| ValueRay Target Price | 23.8 | 30.5% |
ACA Fundamental Data Overview January 28, 2026
P/E Trailing = 7.3813
P/E Forward = 9.4073
P/S = 2.0407
P/B = 0.6992
P/EG = 4.0562
Revenue TTM = 3.71b EUR
EBIT TTM = 11.29b EUR
EBITDA TTM = 11.29b EUR
Long Term Debt = 313.40b EUR (from longTermDebt, last quarter)
Short Term Debt = 34.70b EUR (from shortTermDebt, last quarter)
Debt = 313.40b EUR (from shortLongTermDebtTotal, last quarter)
Net Debt = -271.28b EUR (from netDebt column, last quarter)
Enterprise Value = -217.68b EUR (53.60b + Debt 313.40b - CCE 584.68b)
Interest Coverage Ratio = 0.23 (Ebit TTM 11.29b / Interest Expense TTM 49.15b)
EV/FCF = -4.19x (Enterprise Value -217.68b / FCF TTM 51.95b)
FCF Yield = -23.87% (FCF TTM 51.95b / Enterprise Value -217.68b)
FCF Margin = 1401 % (FCF TTM 51.95b / Revenue TTM 3.71b)
Net Margin = 204.2% (Net Income TTM 7.57b / Revenue TTM 3.71b)
Gross Margin = -1226 % ((Revenue TTM 3.71b - Cost of Revenue TTM 49.15b) / Revenue TTM)
Gross Margin QoQ = none% (prev 100.0%)
Tobins Q-Ratio = -0.09 (set to none) (Enterprise Value -217.68b / Total Assets 2314.39b)
Interest Expense / Debt = 15.68% (Interest Expense 49.15b / Debt 313.40b)
Taxrate = 16.15% (541.0m / 3.35b)
NOPAT = 9.47b (EBIT 11.29b * (1 - 16.15%))
Current Ratio = 0.60 (Total Current Assets 629.68b / Total Current Liabilities 1053.23b)
Debt / Equity = 4.15 (Debt 313.40b / totalStockholderEquity, last quarter 75.53b)
Debt / EBITDA = -24.03 (Net Debt -271.28b / EBITDA 11.29b)
Debt / FCF = -5.22 (Net Debt -271.28b / FCF TTM 51.95b)
Total Stockholder Equity = 74.76b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.33% (Net Income 7.57b / Total Assets 2314.39b)
RoE = 10.12% (Net Income TTM 7.57b / Total Stockholder Equity 74.76b)
RoCE = 2.91% (EBIT 11.29b / Capital Employed (Equity 74.76b + L.T.Debt 313.40b))
RoIC = 2.42% (NOPAT 9.47b / Invested Capital 390.91b)
WACC = 12.21% (E(53.60b)/V(367.00b) * Re(6.71%) + D(313.40b)/V(367.00b) * Rd(15.68%) * (1-Tc(0.16)))
Discount Rate = 6.71% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 7.95%
Shares Correlation 3-Years: 100.0 | Cagr: 3.39%
[DCF Debug] Terminal Value 53.92% ; FCFF base≈68.93b ; Y1≈45.25b ; Y5≈20.65b
Fair Price DCF = 168.3 (EV 237.97b - Net Debt -271.28b = Equity 509.25b / Shares 3.03b; r=12.21% [WACC]; 5y FCF grow -40.0% → 2.90% )
[DCF Warning] FCF declining rapidly (-40.0%), DCF may be unreliable
EPS Correlation: 54.53 | EPS CAGR: 3.32% | SUE: -0.18 | # QB: 0
Revenue Correlation: -54.66 | Revenue CAGR: -12.82% | SUE: -0.36 | # QB: 0
EPS next Quarter (2026-03-31): EPS=0.58 | Chg30d=-0.016 | Revisions Net=+1 | Analysts=2
EPS next Year (2026-12-31): EPS=2.30 | Chg30d=+0.004 | Revisions Net=+0 | Growth EPS=+9.1% | Growth Revenue=+1.8%