Crédit Agricole S.A. ACA.PA
Composite 59/100; the shares have moved about 22% annualised. Names that move more contribute more risk for the same amount invested, and our composite reflects how strong the evidence for this one is right now.
Balance-sheet strength ranks 40/100 — a slight mark against it.
Income ranks 98/100 — a strong point in its favour. Valuation ranks 71/100 — a moderate point in its favour. Momentum ranks 71/100 — a moderate point in its favour.
Balance-sheet strength ranks 40/100 — a slight mark against it. Growth ranks 40/100 — a slight mark against it.
What the company does Crédit Agricole S.A. (ACA.PA) is a diversified European bank offering retail and corporate banking, insurance, asset management, and investment banking across France, Italy, the EU, and international markets. It operates through five segments: Asset Gathering, Large Customers, Specialized Financial Services, French Retail Banking (LCL), and International Retail Banking.
Key financials The bank reports a ROE of 9.3% and ROA of 0.3%, with net margins at 26.8%. Revenue declined -1.1% and EPS fell -8.4%, while gross margins stand at 100.0% and operating margins at 38.4%. It pays a 6.1% dividend yield with a 51.6% payout ratio.
Stock health Momentum is mixed: +23.38% over 12 months but down -2.03% from its 52-week high, with RSI at 62.10. Sideravia scores Valuation at 75.9 and Momentum at 69.0, indicating attractive valuation and positive momentum.
Price vs fair value The stock trades at a **discount** of 39.40% to our fair-value estimate of 25.61 and a **discount** of 9.98% to the 12-month target of 20.20. - Trading at a steep discount to fair value and target (Sideravia, analyst consensus). - Recent loan sale in Hong Kong highlights sector limits on risk exposure (Bloomberg). - High dividend yield (6.1%) and valuation metrics (P/E 8.74, P/B 0.71) support attractiveness.
Looking forward Forward P/E of 8.30 and PEG of 1.57 suggest undemanding valuations, though growth (Growth score 24.0) remains a concern. Momentum and income scores (97.2) may appeal to income-focused investors.
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Data as of 2026-09-05, compiled from third-party sources; errors and delays are possible and figures are not warranted. Investing puts your capital at risk; past performance does not predict future results. We publish our full track record, including the calls that lost, and our conflicts of interest.