(ACA) Credit Agricole - Ratings and Ratios
Retail, Corporate, Insurance, Investment, Asset
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 6.27% |
| Yield on Cost 5y | 15.49% |
| Yield CAGR 5y | 9.49% |
| Payout Consistency | 73.0% |
| Payout Ratio | 45.8% |
| Risk via 5d forecast | |
|---|---|
| Volatility | 17.4% |
| Value at Risk 5%th | 27.3% |
| Relative Tail Risk | -4.36% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 1.57 |
| Alpha | 34.18 |
| CAGR/Max DD | 1.76 |
| Character TTM | |
|---|---|
| Hurst Exponent | 0.407 |
| Beta | 0.187 |
| Beta Downside | 0.250 |
| Drawdowns 3y | |
|---|---|
| Max DD | 16.18% |
| Mean DD | 4.28% |
| Median DD | 3.16% |
Description: ACA Credit Agricole December 03, 2025
Crédit Agricole S.A. (ticker ACA) is a French-headquartered universal bank that delivers retail, corporate, insurance, and investment-banking services across 30+ countries, spanning Europe, the Americas, Africa, the Middle East, Asia-Pacific and Japan.
The group is organized into five operating segments: Asset Gathering, Large Customers, Specialized Financial Services, French Retail Banking (LCL), and International Retail Banking, each targeting distinct client tiers from individuals and SMEs to large corporates and institutional investors.
Its product suite includes savings and retirement solutions, life and non-life insurance, wealth-management and payment services, personal-finance and mobility offerings, as well as a full range of investment-banking capabilities such as structured finance, trade finance, capital-markets syndication, leasing, factoring, and asset-servicing (custody, clearing, securities lending, fund administration).
Beyond banking, Crédit Agricole operates the Square Habitat brand for property transactions, rental management, and low-carbon electricity generation, reflecting a diversification into real-estate and sustainable-energy assets.
Key recent metrics (Q3 2024) show a net profit of €2.5 bn, a loan-book growth of 4 % YoY, and a CET1 capital ratio of 15.3 %, while digital active users surpassed 12 million, underscoring the bank’s successful shift toward fee-based and technology-driven revenue streams.
Primary macro-drivers for the business are the Eurozone’s evolving interest-rate environment, which pressures traditional net-interest margins, and the accelerating demand for ESG-aligned financing, where Crédit Agricole’s green-bond issuance and low-carbon energy projects position it to capture incremental market share.
For a deeper, data-rich analysis of ACA’s valuation dynamics, you may find the ValueRay platform a useful next step.
Piotroski VR‑10 (Strict, 0-10) 2.0
| Net Income (7.57b TTM) > 0 and > 6% of Revenue (6% = 222.4m TTM) |
| FCFTA 0.02 (>2.0%) and ΔFCFTA -1.98pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -11.4k% (prev -25.3k%; Δ 13.9kpp) (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 (11.29b) ratio: -24.03 <= 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 -104.5% (prev -2053 %; Δ 1949 pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 0.16% (prev 0.08%; Δ 0.08pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 0.23 (EBITDA TTM 11.29b / 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) 0.00 = EBIT TTM 11.29b / 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) 29.58
| 1. Piotroski 2.0pt |
| 2. FCF Yield -23.83% |
| 3. FCF Margin data missing |
| 4. Debt/Equity 4.15 |
| 5. Debt/Ebitda -24.03 |
| 6. ROIC - WACC (= -9.79)% |
| 7. RoE 10.12% |
| 8. Rev. Trend -54.66% |
| 9. EPS Trend 54.53% |
What is the price of ACA shares?
Over the past week, the price has changed by +0.54%, over one month by +7.38%, over three months by +6.43% and over the past year by +41.67%.
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 | 18.8 | 7% |
| Analysts Target Price | - | - |
| ValueRay Target Price | 23.4 | 33.6% |
ACA Fundamental Data Overview December 22, 2025
Market Cap EUR = 53.25b (53.25b EUR * 1.0 EUR.EUR)
P/E Trailing = 7.3333
P/E Forward = 9.5147
P/S = 2.0273
P/B = 0.705
P/EG = 4.0562
Beta = 0.8
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 = -218.03b EUR (53.25b + Debt 313.40b - CCE 584.68b)
Interest Coverage Ratio = 0.23 (Ebit TTM 11.29b / Interest Expense TTM 49.15b)
FCF Yield = -23.83% (FCF TTM 51.95b / Enterprise Value -218.03b)
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 = -104.5% ((Revenue TTM 3.71b - Cost of Revenue TTM 7.58b) / Revenue TTM)
Gross Margin QoQ = none% (prev 39.96%)
Tobins Q-Ratio = -0.09 (set to none) (Enterprise Value -218.03b / 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(53.25b)/V(366.65b) * Re(6.70%) + D(313.40b)/V(366.65b) * Rd(15.68%) * (1-Tc(0.16)))
Discount Rate = 6.70% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 8.05%
Shares Correlation 3-Years: 100.0 | Cagr: 3.39%
[DCF Debug] Terminal Value 70.46% ; FCFE base≈68.93b ; Y1≈45.26b ; Y5≈20.70b
Fair Price DCF = 134.5 (DCF Value 406.82b / Shares Outstanding 3.03b; 5y FCF grow -40.0% → 3.0% )
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=0.60 | Chg30d=+0.020 | Revisions Net=+1 | Analysts=1
EPS next Year (2026-12-31): EPS=2.30 | Chg30d=-0.000 | Revisions Net=+0 | Growth EPS=+4.8% | Growth Revenue=+1.8%