(ACA) Credit Agricole - Ratings and Ratios
Banking, Insurance, Investment, Finance, Wealth Management
ACA EPS (Earnings per Share)
ACA Revenue
Description: ACA Credit Agricole
Crédit Agricole S.A. is a French multinational bank that offers a diverse range of financial products and services to individuals, corporations, and institutions worldwide. The companys extensive portfolio includes banking, insurance, and investment services, catering to various customer needs.
Crédit Agricole operates through five distinct business segments: Asset Gathering, Large Customers, Specialised Financial Services, French Retail Banking LCL, and International Retail Banking. This diversified business model enables the company to maintain a strong presence in both domestic and international markets.
From a financial perspective, Crédit Agricole has a market capitalization of approximately €48.4 billion, with a price-to-earnings ratio of 7.84 and a forward P/E of 9.17. The companys return on equity (RoE) stands at 9.74%, indicating a relatively stable and profitable business. Additionally, the banks dividend yield is an important metric to consider, as it reflects the companys ability to generate returns for shareholders.
To further evaluate Crédit Agricoles performance, key performance indicators (KPIs) such as the CET1 (Common Equity Tier 1) ratio, which measures the banks capital adequacy, and the NPL (Non-Performing Loans) ratio, which assesses the quality of the loan portfolio, are crucial. A high CET1 ratio indicates a strong capital position, while a low NPL ratio suggests a healthy loan book. Other relevant KPIs include the banks efficiency ratio, which measures operating expenses as a percentage of revenue, and the loan-to-deposit ratio, which evaluates the banks liquidity and funding position.
Crédit Agricoles commitment to digital transformation and innovation is also noteworthy, as it has been investing in online banking services and digital platforms to enhance customer experience and stay competitive in the rapidly evolving financial landscape.
ACA Stock Overview
| Market Cap in USD | 58,139m |
| Sub-Industry | Regional Banks |
| IPO / Inception |
ACA Stock Ratings
| Growth Rating | 90.3% |
| Fundamental | 28.2% |
| Dividend Rating | 80.0% |
| Return 12m vs S&P 500 | 3.36% |
| Analyst Rating | - |
ACA Dividends
| Dividend Yield 12m | 6.96% |
| Yield on Cost 5y | 18.74% |
| Annual Growth 5y | 7.03% |
| Payout Consistency | 73.2% |
| Payout Ratio | 47.2% |
ACA Growth Ratios
| Growth Correlation 3m | 22.3% |
| Growth Correlation 12m | 86% |
| Growth Correlation 5y | 86.6% |
| CAGR 5y | 34.78% |
| CAGR/Max DD 3y | 2.15 |
| CAGR/Mean DD 3y | 13.23 |
| Sharpe Ratio 12m | 2.77 |
| Alpha | 0.01 |
| Beta | 0.719 |
| Volatility | 19.05% |
| Current Volume | 3507.3k |
| Average Volume 20d | 3860.2k |
| Stop Loss | 15.9 (-3.6%) |
| Signal | 0.56 |
Piotroski VR‑10 (Strict, 0-10) 3.0
| 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 (11.34b) ratio: -23.92 <= 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 -173.0% (prev 36.72%; Δ -209.7pp) >=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 0.21 (EBITDA TTM 11.34b / Interest Expense TTM 49.15b) >= 6 (WARN >= 3) |
Altman Z'' -1.15
| (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 10.10b / Avg Total Assets 2273.63b |
| (D) 0.02 = Book Value of Equity 36.55b / Total Liabilities 2229.88b |
| Total Rating: -1.15 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 28.15
| 1. Piotroski 3.0pt = -2.0 |
| 2. FCF Yield -27.80% = -5.0 |
| 3. FCF Margin data missing |
| 4. Debt/Equity 4.61 = -2.42 |
| 5. Debt/Ebitda 30.70 = -2.50 |
| 6. ROIC - WACC -8.58% = -10.73 |
| 7. RoE 10.12% = 0.84 |
| 8. Rev. Trend -47.20% = -2.36 |
| 9. Rev. CAGR 0.0% = 0.0 |
| 10. EPS Trend 26.78% = 0.67 |
| 11. EPS CAGR 16.52% = 1.65 |
What is the price of ACA shares?
Over the past week, the price has changed by +3.84%, over one month by -3.26%, over three months by +3.74% and over the past year by +24.13%.
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 19.72 EUR . This means that ACA is currently undervalued and has a potential upside of +19.59% (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 | 18.2 | 10.6% |
| Analysts Target Price | - | - |
| ValueRay Target Price | 22.4 | 35.8% |
ACA Fundamental Data Overview
Market Cap EUR = 49.68b (49.68b EUR * 1.0 EUR.EUR)
CCE Cash And Equivalents = 584.68b EUR (Cash And Short Term Investments, last quarter)
P/E Trailing = 6.9957
P/E Forward = 8.569
P/S = 1.3771
P/B = 0.6483
P/EG = 4.0562
Beta = 1.201
Revenue TTM = 18.00b EUR
EBIT TTM = 10.10b EUR
EBITDA TTM = 11.34b EUR
Long Term Debt = 313.40b EUR (from longTermDebt, last quarter)
Short Term Debt = 34.70b EUR (from shortTermDebt, last quarter)
Debt = 348.10b EUR (Calculated: Short Term 34.70b + Long Term 313.40b)
Net Debt = -271.28b EUR (from netDebt column, last quarter)
Enterprise Value = -186.90b EUR (49.68b + Debt 348.10b - CCE 584.68b)
Interest Coverage Ratio = 0.21 (Ebit TTM 10.10b / Interest Expense TTM 49.15b)
FCF Yield = -27.80% (FCF TTM 51.95b / Enterprise Value -186.90b)
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 = -173.0% ((Revenue TTM 18.00b - Cost of Revenue TTM 49.15b) / Revenue TTM)
Tobins Q-Ratio = -5.11 (set to none) (Enterprise Value -186.90b / Book Value Of Equity 36.55b)
Interest Expense / Debt = 14.12% (Interest Expense 49.15b / Debt 348.10b)
Taxrate = 23.26% (2.47b / 10.63b)
NOPAT = 7.75b (EBIT 10.10b * (1 - 23.26%))
Current Ratio = 0.60 (Total Current Assets 629.68b / Total Current Liabilities 1053.23b)
Debt / Equity = 4.61 (Debt 348.10b / last Quarter total Stockholder Equity 75.53b)
Debt / EBITDA = 30.70 (Net Debt -271.28b / EBITDA 11.34b)
Debt / FCF = 6.70 (Debt 348.10b / FCF TTM 51.95b)
Total Stockholder Equity = 74.76b (last 4 quarters mean)
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 = 2.60% (Ebit 10.10b / (Equity 74.76b + L.T.Debt 313.40b))
RoIC = 1.98% (NOPAT 7.75b / Invested Capital 390.91b)
WACC = 10.56% (E(49.68b)/V(397.78b) * Re(8.67%)) + (D(348.10b)/V(397.78b) * Rd(14.12%) * (1-Tc(0.23)))
Shares Correlation 3-Years: -4.58 | Cagr: -0.01%
Discount Rate = 8.67% (= CAPM, Blume Beta Adj.)
[DCF Debug] Terminal Value 67.67% ; FCFE base≈68.93b ; Y1≈45.26b ; Y5≈20.70b
Fair Price DCF = 120.3 (DCF Value 366.61b / Shares Outstanding 3.05b; 5y FCF grow -40.0% → 3.0% )
Revenue Correlation: -47.20 | Revenue CAGR: 0.0%
Rev Growth-of-Growth: -129.6
EPS Correlation: 26.78 | EPS CAGR: 16.52%
EPS Growth-of-Growth: -19.91