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Crédit Agricole S.A. (ACA) Stock Verdict & Ratings | Investment Bastion

Stock Verdict·Updated 1d ago

Crédit Agricole S.A.

ACAMarket cap $58BPrice $19.3

Country🇫🇷France

SectorFinancials

IndustryBanks

Operates France's largest bank network with 39 million customers across 47 countries. Started as a farmer cooperative in 1894 and still maintains that cooperative structure while being Europe's second-largest bank.

In Bastion Portfolios?

52W Return+0%Global Market +16%?

01Key Ratings

How does this stock score across Bastion factors?

Growth

Historical Revenue

Rev CAGR (3y)+12%–

Revenue Forecast

Rev CAGR (1y)na–

Rev CAGR (3y)+5%–

Rev CAGR (5y)+4%4

Earnings Forecast

EPS Growth Y+1+21%8

EPS Growth Y+2+8%6

EPS Growth Y+3+7%6

Quality

Margins

EBIT Margin0%4

Net Income Margin25%8

Free Cash Flow Margin-33%1

Debt

Net Debt/EBITDAna–

Efficiency

ROE8%4

ROA0%2

Earnings Stability88

GEAR+

Not enough data to calculate the GEAR+ rating.

Value

100

Price Multiples

P/E Ratio (Forward)710

P/E Ratio (Forward 3y)610

P/BV0.710

EV Multiples

EV/EBITDA Fwd010

EV/EBIT Fwd010

Yield

Free Cash Flow Yield0.0%10

Dividend Yield6.6%10

Momentum

Short term

1 month return-10%2

3 month return-4%5

YTD return+3%5

Mid term

Price vs 52wHigh84%6

1 year return+11%6

Long term

3 year return+78%7

5 year return+96%7

Risk Shield

Price Risk

Beta1.04

Volatility21%9

Free Cash Flow

Free Cash Flow Margin-33%1

Free Cash Flow Yield0.0%10

Quality

ROCE1%2

Earnings Stability88

Net Debt/EBITDAna–

02Growth

Is it actually growing, and how fast?

ACACrédit Agricole S.A.

Revenue FY25$26.3B

GROWTH RATING↗

——

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+12%–

Revenue, next 1Yna–

Revenue, next 3Y, CAGR+5%–

Revenue, next 5Y, CAGR+4%4

EARNINGS FORECAST▾SCORE

EPS growth, FY26E+21%8

EPS growth, FY27E+8%6

EPS growth, FY28E+7%6

GROWTH ASSESSMENT

STRENGTHS

Earnings are set to grow in step with sales (EPS about 8%/yr vs revenue 5%/yr).

WATCH

Revenue is set to grow 5%/yr over the next 3 years, a little behind the market.4/10

Revenue grew 12%/yr over the last 3 years; forecasts see it cooling to 5%/yr.

Over five years revenue is set to grow 4%/yr, behind 60% of companies worldwide.4/10

WEAKNESSES

Growth is the weak spot here, trailing 100% of companies worldwide.

BOTTOM LINE

Stalled Business

Growth is a weak point here: a business that is slowing. The one thing to watch: forward revenue growth is only about average.

03Price Momentum

Is the market behind it right now?

ACACrédit Agricole S.A.

Total return Current191%

Price return Current69.9%

MOMENTUM RATING↗

AVERAGE48 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-10%2

3-month return-4%5

YTD return+3%5

MID & LONG-TERM▾SCORE

% of 52-week high84%6

1-year return+11%6

3-year return+78%7

5-year return+96%7

MOMENTUM ASSESSMENT

STRENGTHS

Strong long-term results. Long-term holders have seen +78% over three years and +96% over five, ahead of 60% of the market.

WATCH

It's up 11% over the past year, but 16% below its 52-week high. That is a touch ahead of the market.

Returns sit at the market level over three months (-4%) and so far this year (+3%).

WEAKNESSES

The stock is underperforming over the past month (-10%).

BOTTOM LINE

Steady Compounder

Dependable multi-year returns with a calmer near-term tape. A reliable long-term trend rather than a short-term breakout. The one thing to watch: the stock is underperforming over the past month.

04Value

Are you paying a fair price for it?

Stop guessing on Crédit Agricole. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

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Loading charts…

02Growth

Is it actually growing, and how fast?

ACACrédit Agricole S.A.

Revenue FY25$26.3B

GROWTH RATING↗

——

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+12%–

Revenue, next 1Yna–

Revenue, next 3Y, CAGR+5%–

Revenue, next 5Y, CAGR+4%4

EARNINGS FORECAST▾SCORE

EPS growth, FY26E+21%8

EPS growth, FY27E+8%6

EPS growth, FY28E+7%6

GROWTH ASSESSMENT

STRENGTHS

Earnings are set to grow in step with sales (EPS about 8%/yr vs revenue 5%/yr).

WATCH

Revenue is set to grow 5%/yr over the next 3 years, a little behind the market.4/10

Revenue grew 12%/yr over the last 3 years; forecasts see it cooling to 5%/yr.

Over five years revenue is set to grow 4%/yr, behind 60% of companies worldwide.4/10

WEAKNESSES

Growth is the weak spot here, trailing 100% of companies worldwide.

BOTTOM LINE

Stalled Business

Growth is a weak point here: a business that is slowing. The one thing to watch: forward revenue growth is only about average.

03Price Momentum

Is the market behind it right now?

ACACrédit Agricole S.A.

Total return Current191%

Price return Current69.9%

MOMENTUM RATING↗

AVERAGE48 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-10%2

3-month return-4%5

YTD return+3%5

MID & LONG-TERM▾SCORE

% of 52-week high84%6

1-year return+11%6

3-year return+78%7

5-year return+96%7

MOMENTUM ASSESSMENT

STRENGTHS

Strong long-term results. Long-term holders have seen +78% over three years and +96% over five, ahead of 60% of the market.

WATCH

It's up 11% over the past year, but 16% below its 52-week high. That is a touch ahead of the market.

Returns sit at the market level over three months (-4%) and so far this year (+3%).

WEAKNESSES

The stock is underperforming over the past month (-10%).

BOTTOM LINE

Steady Compounder

Dependable multi-year returns with a calmer near-term tape. A reliable long-term trend rather than a short-term breakout. The one thing to watch: the stock is underperforming over the past month.

04Value

Are you paying a fair price for it?

Stop guessing on Crédit Agricole. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

✓
Stock VerdictValuation and investment strategy for 4,000+ stocks. Days of hedge fund analyst research, done in 2 minutes.
✓
RadarFind your next investment idea: top-ranked stocks across all 9 Bastion strategies.
✓
Portfolio ManagerCheck if Bastion algorithms added the stock you care about to their portfolios.

Secure via Stripe

Trusted by 1,000+ investors in our community