(ACA) Credit Agricole - Overview
Stock: Banking, Insurance, Asset, Credit, Investment
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 6.74% |
| Yield on Cost 5y | 15.83% |
| Yield CAGR 5y | 8.29% |
| Payout Consistency | 74.0% |
| Payout Ratio | 50.5% |
| Risk 5d forecast | |
|---|---|
| Volatility | 18.6% |
| Relative Tail Risk | -0.88% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.96 |
| Alpha | 17.94 |
| Character TTM | |
|---|---|
| Beta | 0.229 |
| Beta Downside | 0.306 |
| Drawdowns 3y | |
|---|---|
| Max DD | 16.18% |
| CAGR/Max DD | 1.58 |
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) 1.0
| Net Income: 8.55b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.02 > 0.02 and ΔFCF/TA 0.24 > 1.0 |
| NWC/Revenue: -1379 % < 20% (prev -22.4k%; Δ 21.0k% < -1%) |
| CFO/TA 0.02 > 3% & CFO 50.10b > Net Income 8.55b |
| Net Debt (519.23b) to EBITDA (16.98b): 30.58 < 3 |
| Current Ratio: 0.47 > 1.5 & < 3 |
| Outstanding Shares: last quarter (8.28b) vs 12m ago 173.3% < -2% |
| Gross Margin: error (current vs previous; cannot be calculated due to missing/invalid data or negative margin) |
| Asset Turnover: 2.20% > 50% (prev 0.08%; Δ 2.11% > 0%) |
| Interest Coverage Ratio: error (cannot be calculated; needs correct EBITDA TTM and Interest Expense TTM) |
Altman Z'' -1.87
| A: -0.29 (Total Current Assets 608.05b - Total Current Liabilities 1307.48b) / Total Assets 2374.31b |
| B: 0.00 (Retained Earnings 4.21b / Total Assets 2374.31b) |
| C: 0.01 (EBIT TTM 16.98b / Avg Total Assets 2309.80b) |
| D: 0.00 (Book Value of Equity 6.08b / Total Liabilities 2296.59b) |
| Altman-Z'' Score: -1.87 = D |
What is the price of ACA shares?
Over the past week, the price has changed by -2.22%, over one month by +1.68%, over three months by +14.19% and over the past year by +27.61%.
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 | 20 | 12% |
| Analysts Target Price | - | - |
| ValueRay Target Price | 23.1 | 29.1% |
ACA Fundamental Data Overview February 07, 2026
P/E Trailing = 8.195
P/E Forward = 9.5511
P/S = 2.0353
P/B = 0.6903
P/EG = 4.0562
Revenue TTM = 50.73b EUR
EBIT TTM = 16.98b EUR
EBITDA TTM = 16.98b EUR
Long Term Debt = 313.40b EUR (from longTermDebt, two quarters ago)
Short Term Debt = 239.27b EUR (from shortTermDebt, last quarter)
Debt = 519.23b EUR (from shortLongTermDebtTotal, last quarter)
Net Debt = 519.23b EUR (from netDebt column, last quarter)
Enterprise Value = 573.28b EUR (54.05b + Debt 519.23b - (null CCE))
Interest Coverage Ratio = unknown (Ebit TTM 16.98b / Interest Expense TTM 0.0)
EV/FCF = 11.79x (Enterprise Value 573.28b / FCF TTM 48.63b)
FCF Yield = 8.48% (FCF TTM 48.63b / Enterprise Value 573.28b)
FCF Margin = 95.86% (FCF TTM 48.63b / Revenue TTM 50.73b)
Net Margin = 16.86% (Net Income TTM 8.55b / Revenue TTM 50.73b)
Gross Margin = unknown ((Revenue TTM 50.73b - Cost of Revenue TTM 0.0) / Revenue TTM)
Tobins Q-Ratio = 0.24 (Enterprise Value 573.28b / Total Assets 2374.31b)
Interest Expense / Debt = 0.92% (Interest Expense 4.78b / Debt 519.23b)
Taxrate = 23.63% (981.0m / 4.15b)
NOPAT = 12.97b (EBIT 16.98b * (1 - 23.63%))
Current Ratio = 0.47 (Total Current Assets 608.05b / Total Current Liabilities 1307.48b)
Debt / Equity = 7.47 (Debt 519.23b / totalStockholderEquity, last quarter 69.52b)
Debt / EBITDA = 30.58 (Net Debt 519.23b / EBITDA 16.98b)
Debt / FCF = 10.68 (Net Debt 519.23b / FCF TTM 48.63b)
Total Stockholder Equity = 74.29b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.37% (Net Income 8.55b / Total Assets 2374.31b)
RoE = 11.51% (Net Income TTM 8.55b / Total Stockholder Equity 74.29b)
RoCE = 4.38% (EBIT 16.98b / Capital Employed (Equity 74.29b + L.T.Debt 313.40b))
RoIC = 3.32% (NOPAT 12.97b / Invested Capital 390.91b)
WACC = 1.27% (E(54.05b)/V(573.28b) * Re(6.76%) + D(519.23b)/V(573.28b) * Rd(0.92%) * (1-Tc(0.24)))
Discount Rate = 6.76% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 7.95%
Shares Correlation 3-Years: 100.0 | Cagr: 71.11%
[DCF Debug] Terminal Value 80.82% ; FCFF base≈45.42b ; Y1≈29.81b ; Y5≈13.60b
Fair Price DCF = N/A (negative equity: EV 433.44b - Net Debt 519.23b = -85.79b; debt exceeds intrinsic value)
EPS Correlation: 38.37 | EPS CAGR: 11.89% | SUE: -0.76 | # QB: 0
Revenue Correlation: -39.02 | Revenue CAGR: 80.73% | SUE: 3.22 | # QB: 1
EPS next Quarter (2026-03-31): EPS=0.56 | Chg30d=-0.044 | Revisions Net=+1 | Analysts=1
EPS current Year (2026-12-31): EPS=2.30 | Chg30d=+0.003 | Revisions Net=+2 | Growth EPS=+5.2% | Growth Revenue=+1.5%
EPS next Year (2027-12-31): EPS=2.45 | Chg30d=+0.019 | Revisions Net=+5 | Growth EPS=+6.7% | Growth Revenue=+2.9%