ACA Stock Analysis: Credit Agricole | PA
Banks - Regional | PA, France | Market Cap: 54.005m EUR | 12M Return: 18.1% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 90.9M
EPS Trend: 82.7%
Qual. Beats: 0
Rev. Trend: 89.6%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
No distinct edge detected
Seasonality 10.5 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Crédit Agricole S.A. is a France-based universal bank that operates across retail and corporate banking, insurance, and investment banking, serving clients in Europe, the Americas, Africa, the Middle East, and Asia-Pacific. The company is organized into five segments: Asset Gathering, Large Customers, Specialized Financial Services, French Retail Banking – LCL, and International Retail Banking, and is listed on Euronext Paris under the ticker ACA with a large-cap market capitalization in the regional banks sub-industry.
Its product range spans life and non-life insurance, asset management, wealth management, payments, online banking, factoring, leasing, and energy and territorial financing, alongside capital markets, structured finance, trade finance, and securities services such as custody, fund administration, and clearing. The company also runs a property services and development arm under the Square Habitat brand and is active in low-carbon electricity production. Customers include individual banking clients, SMEs, corporates, farmers, local authorities, institutional investors, insurers, and brokers.
Founded in 1894 and headquartered in Montrouge, Crédit Agricole S.A. sits within the broader Crédit Agricole group, which follows the two-tier French cooperative banking model in which regional mutualist banks (Caisses Régionales) hold the listed entity through the holding company SAS Rue La Boetie. The group is one of the largest banking groups in France and Europe by balance sheet, with the LCL network serving as its domestic retail banking subsidiary alongside international retail operations in Italy and other markets.
- ECB rate cuts compress French retail net interest margins
- Insurance and asset gathering fees grow on Amundi market performance
- Capital return accelerates via buybacks as CET1 ratio exceeds targets
| Net Income: 10.6b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 2.01 > 1.0 |
| NWC/Revenue: 171.1% < 20% (prev -707.4%; Δ 878.4% < -1%) |
| CFO/TA 0.01 > 3% & CFO 19.0b > Net Income 10.6b |
| Net Debt (359b) to EBITDA (16.9b): 21.21 < 3 |
| Current Ratio: 2.36 > 1.5 & < 3 |
| Outstanding Shares: last quarter (3.02b) vs 12m ago -0.01% < -2% |
| Gross Margin: 77.87% > 18% (prev 58.97%; Δ 18.90% > 0.5%) |
| Asset Turnover: 8.07% > 50% (prev 5.41%; Δ 2.66% > 0%) |
| Interest Coverage Ratio: 0.41 > 6 (EBIT TTM 16.2b / Interest Expense TTM 39.8b) |
| A: 0.13 (Total Current Assets 564b - Total Current Liabilities 239b) / Total Assets 2416b |
| B: 0.00 (Retained Earnings 7.07b / Total Assets 2416b) |
| C: 0.01 (EBIT TTM 16.2b / Avg Total Assets 2351b) |
| D: 0.03 (Book Value of Equity 79.1b / Total Liabilities 2329b) |
| Altman-Z'' = 0.97 = BB |
As of July 08, 2026, the stock is trading at EUR 17.60 with a total of 5,063,716 shares traded. Over the past week, the price has changed by +0.03%, over one month by +6.67%, over three months by +14.64% and over the past year by +18.06%.
Current recommended Stop Loss: 17.20 (which is 2.3% or 1.4 ATR below the current price).
Credit Agricole has no consensus analysts rating.
P/E Trailing = 8.3803
P/E Forward = 9.4518
P/S = 2.0392
P/B = 0.6776
P/EG = 4.0562
Revenue TTM = 190b EUR
EBIT TTM = 16.2b EUR
EBITDA TTM = 16.9b EUR
Long Term Debt = 170b EUR (from longTermDebt, last fiscal year)
Short Term Debt = 239b EUR (from shortTermDebt, last fiscal year)
Debt = 519b EUR (from shortLongTermDebtTotal, last fiscal year)
Net Debt = 359b EUR (calculated: Debt 519b - CCE 160b)
Enterprise Value = 413b EUR (54.0b + Debt 519b - CCE 160b)
Interest Coverage Ratio = 0.41 (Ebit TTM 16.2b / Interest Expense TTM 39.8b)
EV/FCF = 23.09x (Enterprise Value 413b / FCF TTM 17.9b)
FCF Yield = 4.33% (FCF TTM 17.9b / Enterprise Value 413b)
FCF Margin = 9.43% (FCF TTM 17.9b / Revenue TTM 190b)
Net Margin = 5.58% (Net Income TTM 10.6b / Revenue TTM 190b)
Gross Margin = 77.87% ((Revenue TTM 190b - Cost of Revenue TTM 42.0b) / Revenue TTM)
Gross Margin QoQ = none% (prev 67.78%)
Tobins Q-Ratio = 0.17 (Enterprise Value 413b / Total Assets 2416b)
Interest Expense / Debt = 7.67% (Interest Expense 39.8b / Debt 519b)
Taxrate = 29.19% (790.0m / 2.71b)
NOPAT = 11.5b (EBIT 16.2b * (1 - 29.19%))
Current Ratio = 2.36 (Total Current Assets 564b / Total Current Liabilities 239b)
Debt / Equity = 6.56 (Debt 519b / totalStockholderEquity, last quarter 79.1b)
Debt / EBITDA = 21.21 (Net Debt 359b / EBITDA 16.9b)
Debt / FCF = 20.07 (Net Debt 359b / FCF TTM 17.9b)
Total Stockholder Equity = 73.3b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.45% (Net Income 10.6b / Total Assets 2416b)
RoE = 14.44% (Net Income TTM 10.6b / Total Stockholder Equity 73.3b)
RoCE = 6.65% (EBIT 16.2b / Capital Employed (Equity 73.3b + L.T.Debt 170b))
RoIC = 0.48% (NOPAT 11.5b / Invested Capital 2407b)
WACC = 5.58% (E(54.0b)/V(573b) * Re(7.02%) + D(519b)/V(573b) * Rd(7.67%) * (1-Tc(0.29)))
Discount Rate = 7.02% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 8.99 | Cagr: -0.07%
[DCF] Terminal Value 75.44% ; FCFF base≈17.9b ; Y1≈18.0b ; Y5≈19.0b
[DCF] Fair Price = N/A (negative equity: EV 296b - Net Debt 359b = -63.2b; debt exceeds intrinsic value)
EPS Correlation: 82.70 | EPS CAGR: 10.02% | SUE: 0.0 | # QB: 0
Revenue Correlation: 89.61 | Revenue CAGR: 102.8% | SUE: -0.00 | # QB: 0
EPS current Quarter (2026-06-30): EPS=0.60 | Chg30d=+1.31% | Revisions=-40% | Analysts=5
EPS next Quarter (2026-09-30): EPS=0.56 | Chg30d=+1.14% | Revisions=+0% | Analysts=5
EPS current Year (2026-12-31): EPS=2.23 | Chg30d=+1.00% | Revisions=-18% | GrowthEPS=+2.1% | GrowthRev=-0.3%
EPS next Year (2027-12-31): EPS=2.43 | Chg30d=+0.33% | Revisions=-18% | GrowthEPS=+8.9% | GrowthRev=+4.2%
[Analyst] Revisions Ratio: -26% (up=7, down=13)