Crédit Agricole S.A. (ACA.PA) stock analysis

In our weekly check, Crédit Agricole S.A. is graded C (A to F). Of 25 checks on debt, profit, cash flow and trend: 16 pass, warnings: 2, red flags: 7.

About Crédit Agricole S.A.

Crédit Agricole S.A. is a Financial Services company (Banks - Regional) based in France, listed on PAR as ACA.PA.

What our checks show for ACA.PA

Red flags

• The net margin fell by 2.9 points over 5 years, to 6.3%: the company keeps less of each sale as profit.
• The gross margin fell by 16.3 points, to 62.6%: costs are rising faster than prices.
• Analysts expect revenue to shrink about 35% a year.
• The stock has fallen as much as 91% from a peak. Would you have held through that?
• Return on capital (ROCE) is only 0.5%.

Warning signs

• The net margin is only 6.3%: little room if costs rise.
• The stock is still below its previous peak.

Strengths

• Operating cash flow is 2.69x net profit: the profit arrives as real cash.
• Analysts expect the net margin to improve by 19.9 points from today's 6.3%.
• Revenue grew 35.1% a year over the last 3 years.
• Net profit grew 10.1% a year over the last 3 years.
• Free cash flow is 15.9% of revenue: cash for dividends, buybacks or growth.
• The dividend takes 42% of profit: there is a cushion.

Next earnings report: 2026-10-30

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Questions

What grade does Crédit Agricole S.A. (ACA.PA) have?

In our weekly check, Crédit Agricole S.A. is graded C (A to F). Of 25 checks on debt, profit, cash flow and trend: 16 pass, warnings: 2, red flags: 7. The grade is a risk check, not a buy or sell recommendation.

What are the main risks of ACA.PA stock?

This week's biggest flags for Crédit Agricole S.A.: Margins falling, Gross margin falling, Weak revenue forecast. In total 9 of 25 checks show a warning or a red flag.

What does Crédit Agricole S.A. do?

Crédit Agricole S.A. is a Financial Services company (Banks - Regional) based in France, listed on PAR as ACA.PA.

When does Crédit Agricole S.A. report earnings next?

The next earnings report is expected on 2026-10-30. We re-run the checks every week, so the grade can change after it.

The grade is a risk check, not a price forecast, and not investment advice. In our 10-year test (S&P 500, 2016-2026), stocks we graded A or B fell more than 30% 2-3 times less often than D or F, without a lower average return.

Updated 2026-10-24

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