(ACA) Credit Agricole - Ratings and Ratios
Banking, Insurance, Investment, Finance, Asset, Real Estate
ACA EPS (Earnings per Share)
ACA Revenue
Description: ACA Credit Agricole
Crédit Agricole S.A. (ticker ACA) is a French-headquartered universal bank that delivers retail, corporate, insurance, and investment-banking products both domestically and abroad. Its operations are organized into five segments: Asset Gathering, Large Customers, Specialized Financial Services, French Retail Banking (LCL), and International Retail Banking.
The firm’s product suite spans traditional banking services (payments, cash-flow management, consumer credit), wealth-management and savings solutions, a full line of life, disability, and property-casualty insurance, as well as sophisticated investment-banking activities such as structured finance, trade finance, capital-market syndication, and asset-servicing (custody, clearing, securities lending, fund administration). It also provides integrated real-estate services and a digital-banking platform for retail and corporate clients.
Key performance indicators (as of FY 2023) show a balance-sheet of roughly €2.2 trillion in assets, a Common Equity Tier 1 (CET1) ratio of 13.1 % (well above the 10.5 % regulatory minimum), and a Return on Tangible Equity (ROTE) of about 10 %, reflecting solid profitability despite a low-interest-rate environment. Net interest margin (NIM) has been under pressure, narrowing to 0.78 % year-over-year, while cost-to-income efficiency improved to 55 % through digitalisation initiatives.
Sector-level drivers that materially affect ACA include the European Central Bank’s policy stance (interest-rate hikes aimed at curbing inflation, which can lift NIM but also raise funding costs), tightening prudential regulations that demand higher capital buffers, and the accelerating shift toward online banking that pressures legacy branch networks but offers scalability for fee-based services.
For a deeper quantitative breakdown of ACA’s valuation metrics, the ValueRay platform offers a concise, data-driven view worth exploring.
ACA Stock Overview
| Market Cap in USD | 59,051m |
| Sub-Industry | Regional Banks |
| IPO / Inception |
ACA Stock Ratings
| Growth Rating | 91.3% |
| Fundamental | 32.8% |
| Dividend Rating | 75.2% |
| Return 12m vs S&P 500 | 6.93% |
| Analyst Rating | - |
ACA Dividends
| Dividend Yield 12m | 6.67% |
| Yield on Cost 5y | 21.91% |
| Annual Growth 5y | 9.49% |
| Payout Consistency | 73.2% |
| Payout Ratio | 47.2% |
ACA Growth Ratios
| Growth Correlation 3m | 20.5% |
| Growth Correlation 12m | 89.8% |
| Growth Correlation 5y | 86.6% |
| CAGR 5y | 29.73% |
| CAGR/Max DD 3y (Calmar Ratio) | 1.84 |
| CAGR/Mean DD 3y (Pain Ratio) | 7.29 |
| Sharpe Ratio 12m | 2.46 |
| Alpha | 6.35 |
| Beta | 1.175 |
| Volatility | 19.05% |
| Current Volume | 6388.6k |
| Average Volume 20d | 4053.3k |
| Stop Loss | 15.9 (-3.6%) |
| Signal | -0.33 |
Piotroski VR‑10 (Strict, 0-10) 4.0
| Net Income (7.57b TTM) > 0 and > 6% of Revenue (6% = 1.08b TTM) |
| FCFTA 0.02 (>2.0%) and ΔFCFTA -1.98pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -2352 % (prev -743.6%; Δ -1609 pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.02 (>3.0%) and CFO 53.40b > Net Income 7.57b (YES >=105%, WARN >=100%) |
| Net Debt (-271.28b) to EBITDA (13.28b) ratio: -20.43 <= 3.0 (WARN <= 3.5) |
| Current Ratio 0.60 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (3.02b) change vs 12m ago 0.56% (target <= -2.0% for YES) |
| Gross Margin 55.36% (prev 36.72%; Δ 18.64pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 0.79% (prev 2.79%; Δ -2.00pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 0.28 (EBITDA TTM 13.28b / Interest Expense TTM 49.15b) >= 6 (WARN >= 3) |
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 (Balance) 4.21b / Total Assets 2314.39b |
| (C) 0.01 = EBIT TTM 13.61b / Avg Total Assets 2273.63b |
| (D) 0.02 = Book Value of Equity 36.55b / Total Liabilities 2229.88b |
| Total Rating: -1.14 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 32.78
| 1. Piotroski 4.0pt = -1.0 |
| 2. FCF Yield -23.54% = -5.0 |
| 3. FCF Margin data missing |
| 4. Debt/Equity 4.15 = -2.15 |
| 5. Debt/Ebitda -20.43 = 2.50 |
| 6. ROIC - WACC (= -9.84)% = -12.30 |
| 7. RoE 10.12% = 0.84 |
| 8. Rev. Trend -47.20% = -3.54 |
| 9. EPS Trend 68.55% = 3.43 |
What is the price of ACA shares?
Over the past week, the price has changed by -0.24%, over one month by +1.35%, over three months by +3.19% and over the past year by +23.48%.
Is Credit Agricole a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of ACA is around 18.87 EUR . This means that ACA is currently undervalued and has a potential upside of +14.43% (Margin of Safety).
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 | 18.6 | 12.9% |
| Analysts Target Price | - | - |
| ValueRay Target Price | 21.9 | 32.5% |
ACA Fundamental Data Overview
Market Cap EUR = 50.62b (50.62b EUR * 1.0 EUR.EUR)
P/E Trailing = 7.1373
P/E Forward = 9.0253
P/S = 1.9173
P/B = 0.6826
P/EG = 4.0562
Beta = 1.175
Revenue TTM = 18.00b EUR
EBIT TTM = 13.61b EUR
EBITDA TTM = 13.28b 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 = -220.66b EUR (50.62b + Debt 313.40b - CCE 584.68b)
Interest Coverage Ratio = 0.28 (Ebit TTM 13.61b / Interest Expense TTM 49.15b)
FCF Yield = -23.54% (FCF TTM 51.95b / Enterprise Value -220.66b)
FCF Margin = 288.5% (FCF TTM 51.95b / Revenue TTM 18.00b)
Net Margin = 42.04% (Net Income TTM 7.57b / Revenue TTM 18.00b)
Gross Margin = 55.36% ((Revenue TTM 18.00b - Cost of Revenue TTM 8.04b) / Revenue TTM)
Gross Margin QoQ = none% (prev 39.96%)
Tobins Q-Ratio = -0.10 (set to none) (Enterprise Value -220.66b / Total Assets 2314.39b)
Interest Expense / Debt = 15.68% (Interest Expense 49.15b / Debt 313.40b)
Taxrate = 16.15% (541.0m / 3.35b)
NOPAT = 11.41b (EBIT 13.61b * (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 = -20.43 (Net Debt -271.28b / EBITDA 13.28b)
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 = 3.51% (EBIT 13.61b / Capital Employed (Equity 74.76b + L.T.Debt 313.40b))
RoIC = 2.92% (NOPAT 11.41b / Invested Capital 390.91b)
WACC = 12.76% (E(50.62b)/V(364.02b) * Re(10.34%) + D(313.40b)/V(364.02b) * Rd(15.68%) * (1-Tc(0.16)))
Discount Rate = 10.34% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 3.39%
[DCF Debug] Terminal Value 60.85% ; FCFE base≈68.93b ; Y1≈45.26b ; Y5≈20.70b
Fair Price DCF = 95.86 (DCF Value 291.81b / Shares Outstanding 3.04b; 5y FCF grow -40.0% → 3.0% )
EPS Correlation: 68.55 | EPS CAGR: 27.42% | SUE: 1.48 | # QB: 1
Revenue Correlation: -47.20 | Revenue CAGR: -58.57% | SUE: -4.0 | # QB: 0