(ACA) Credit Agricole - Overview
Sector: Financial Services | Industry: Banks - Regional | Exchange: PA (France) | Market Cap: 51.498m EUR | Total Return: 3.6% in 12m
Industry Rotation: -1.9
Avg Turnover: 79.4M
EPS Trend: 15.9%
Qual. Beats: 0
Rev. Trend: 72.7%
Qual. Beats: 3
Warnings
Choppy
Tailwinds
No distinct edge detected
Crédit Agricole S.A. is a French-headquartered financial institution providing retail, corporate, and investment banking services alongside insurance and asset management across global markets. The company operates through a decentralized cooperative model where it serves as the central body for a network of regional banks, functioning as a subsidiary of SAS Rue La Boétie.
The business is structured into five core segments: Asset Gathering, Large Customers, Specialized Financial Services, French Retail Banking (LCL), and International Retail Banking. Beyond traditional lending and deposit-taking, the group maintains a significant presence in the European insurance market and provides specialized services such as leasing, factoring, and asset servicing for institutional investors.
A key characteristic of the French banking sector is the high level of market concentration among major universal banks, which often integrate insurance (bancassurance) to diversify revenue streams. Investors may find it useful to examine ValueRay for deeper insights into the banks valuation metrics.
The firms client base is highly diversified, ranging from individual consumers and farmers to multinational corporations and sovereign entities. Founded in 1894, the organization has expanded its footprint into property development and low-carbon energy production, reflecting a broader trend of European banks integrating ESG-focused financing into their long-term portfolios.
- European Central Bank interest rate cuts compress net interest margins across retail segments
- Expansion of insurance and asset management fees diversifies revenue beyond traditional lending
- Credit risk exposure in Italian and French retail markets impacts loan loss provisions
- Rising operational efficiency through digitalization reduces cost-to-income ratios in French banking
- Stringent Basel III capital requirements dictate dividend payout capacity and share buyback potential
| Net Income: 10.73b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 2.01 > 1.0 |
| NWC/Revenue: -37.75% < 20% (prev -179.4%; Δ 141.7% < -1%) |
| CFO/TA 0.01 > 3% & CFO 19.01b > Net Income 10.73b |
| Net Debt (351.68b) to EBITDA (18.83b): 18.68 < 3 |
| Current Ratio: 0.70 > 1.5 & < 3 |
| Outstanding Shares: last quarter (3.03b) vs 12m ago 0.19% < -2% |
| Gross Margin: 57.01% > 18% (prev 0.58%; Δ 5.64k% > 0.5%) |
| Asset Turnover: 8.11% > 50% (prev 5.33%; Δ 2.78% > 0%) |
| Interest Coverage Ratio: 0.17 > 6 (EBITDA TTM 18.83b / Interest Expense TTM 79.65b) |
| A: -0.03 (Total Current Assets 167.55b - Total Current Liabilities 239.27b) / Total Assets 2374.31b |
| B: 0.00 (Retained Earnings 7.07b / Total Assets 2374.31b) |
| C: 0.01 (EBIT TTM 13.48b / Avg Total Assets 2342.04b) |
| D: 0.01 (Book Value of Equity 13.16b / Total Liabilities 2296.59b) |
| Altman-Z'' Score: -0.14 = B |
| DSRI: 0.60 (Receivables 87.63b/95.23b, Revenue 190.00b/123.16b) |
| GMI: 1.02 (GM 57.01% / 58.28%) |
| AQI: 1.00 (AQ_t 0.93 / AQ_t-1 0.92) |
| SGI: 1.54 (Revenue 190.00b / 123.16b) |
| TATA: -0.00 (NI 10.73b - CFO 19.01b) / TA 2374.31b) |
| Beneish M-Score: -2.95 (Cap -4..+1) = A |
Over the past week, the price has changed by -0.32%, over one month by -4.20%, over three months by -7.59% and over the past year by +3.63%.
| Analysts Target Price | - | - |
P/E Trailing = 7.9556
P/E Forward = 8.8731
P/S = 1.9446
P/B = 0.6633
P/EG = 4.0562
Revenue TTM = 190.00b EUR
EBIT TTM = 13.48b EUR
EBITDA TTM = 18.83b EUR
Long Term Debt = 311.24b EUR (from longTermDebt, last quarter)
Short Term Debt = 239.27b EUR (from shortTermDebt, last quarter)
Debt = 519.23b EUR (from shortLongTermDebtTotal, last quarter)
Net Debt = 351.68b EUR (from netDebt column, last quarter)
Enterprise Value = 403.17b EUR (51.50b + Debt 519.23b - CCE 167.55b)
Interest Coverage Ratio = 0.17 (Ebit TTM 13.48b / Interest Expense TTM 79.65b)
EV/FCF = 22.53x (Enterprise Value 403.17b / FCF TTM 17.90b)
FCF Yield = 4.44% (FCF TTM 17.90b / Enterprise Value 403.17b)
FCF Margin = 9.42% (FCF TTM 17.90b / Revenue TTM 190.00b)
Net Margin = 5.65% (Net Income TTM 10.73b / Revenue TTM 190.00b)
Gross Margin = 57.01% ((Revenue TTM 190.00b - Cost of Revenue TTM 81.67b) / Revenue TTM)
Gross Margin QoQ = 67.78% (prev 43.44%)
Tobins Q-Ratio = 0.17 (Enterprise Value 403.17b / Total Assets 2374.31b)
Interest Expense / Debt = 3.61% (Interest Expense 18.75b / Debt 519.23b)
Taxrate = 20.62% (981.0m / 4.76b)
NOPAT = 10.70b (EBIT 13.48b * (1 - 20.62%))
Current Ratio = 0.70 (Total Current Assets 167.55b / Total Current Liabilities 239.27b)
Debt / Equity = 7.47 (Debt 519.23b / totalStockholderEquity, last quarter 69.52b)
Debt / EBITDA = 18.68 (Net Debt 351.68b / EBITDA 18.83b)
Debt / FCF = 19.65 (Net Debt 351.68b / FCF TTM 17.90b)
Total Stockholder Equity = 72.88b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.46% (Net Income 10.73b / Total Assets 2374.31b)
RoE = 14.73% (Net Income TTM 10.73b / Total Stockholder Equity 72.88b)
RoCE = 3.51% (EBIT 13.48b / Capital Employed (Equity 72.88b + L.T.Debt 311.24b))
RoIC = 2.74% (NOPAT 10.70b / Invested Capital 391.05b)
WACC = 3.22% (E(51.50b)/V(570.72b) * Re(6.80%) + D(519.23b)/V(570.72b) * Rd(3.61%) * (1-Tc(0.21)))
Discount Rate = 6.80% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 7.92%
Shares (quarterly) Correlation: 0.0 | Cagr: -0.18%
[DCF] Terminal Value 80.82% ; FCFF base≈17.90b ; Y1≈11.75b ; Y5≈5.37b
[DCF] Fair Price = N/A (negative equity: EV 170.56b - Net Debt 351.68b = -181.12b; debt exceeds intrinsic value)
EPS Correlation: 15.87 | EPS CAGR: -3.74% | SUE: 0.0 | # QB: 0
Revenue Correlation: 72.67 | Revenue CAGR: 89.82% | SUE: 2.50 | # QB: 3
EPS current Quarter (2026-06-30): EPS=0.58 | Chg30d=-2.64% | Revisions=-20% | Analysts=2
EPS next Quarter (2026-09-30): EPS=0.54 | Chg30d=-0.77% | Revisions=-20% | Analysts=2
EPS current Year (2026-12-31): EPS=2.23 | Chg30d=-2.34% | Revisions=-67% | GrowthEPS=+1.9% | GrowthRev=+0.1%
EPS next Year (2027-12-31): EPS=2.44 | Chg30d=-0.98% | Revisions=-57% | GrowthEPS=+9.3% | GrowthRev=+4.0%
[Analyst] Revisions Ratio: -67%