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Credit Agricole (FR:ACA)
:ACA
France Market

Credit Agricole (ACA) Ratios

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Credit Agricole Ratios

FR:ACA's free cash flow for Q2 2025 was €1.00. For the 2025 fiscal year, FR:ACA's free cash flow was decreased by € and operating cash flow was €-3.46. See a summary of the company’s cash flow.
Ratios
TTM
Dec 24Dec 23Dec 22Dec 21
Liquidity Ratios
Current Ratio
0.60 0.61 0.63 0.66 0.62
Quick Ratio
0.60 0.61 0.63 0.66 0.62
Cash Ratio
0.56 0.53 0.54 0.56 0.56
Solvency Ratio
<0.01 <0.01 <0.01 <0.01 <0.01
Operating Cash Flow Ratio
0.05 -0.01 -0.03 <0.01 <0.01
Short-Term Operating Cash Flow Coverage
0.00 0.00 0.00 0.00 0.00
Net Current Asset Value
€ -1.60T€ -1.55T€ -1.41T€ -1.30T€ -1.29T
Leverage Ratios
Debt-to-Assets Ratio
0.14 0.14 0.13 0.11 0.10
Debt-to-Equity Ratio
4.15 4.22 3.94 3.61 2.92
Debt-to-Capital Ratio
0.81 0.81 0.80 0.78 0.75
Long-Term Debt-to-Capital Ratio
0.81 0.81 0.80 0.78 0.75
Financial Leverage Ratio
30.64 30.92 30.80 32.14 30.40
Debt Service Coverage Ratio
0.00 0.19 0.19 0.42 0.69
Interest Coverage Ratio
0.00 0.22 0.21 0.46 0.69
Debt to Market Cap
5.70 7.88 7.08 8.16 5.31
Interest Debt Per Share
103.60 120.97 107.26 85.94 70.57
Net Debt to EBITDA
-24.03 -22.40 -29.79 -46.24 -47.72
Profitability Margins
Gross Profit Margin
100.00%34.01%34.32%54.89%64.70%
EBIT Margin
304.53%14.27%13.97%20.93%24.43%
EBITDA Margin
304.53%15.94%15.65%23.86%27.97%
Operating Profit Margin
304.53%14.27%13.97%20.93%24.43%
Pretax Profit Margin
304.53%14.27%13.97%20.93%24.43%
Net Profit Margin
204.18%9.52%9.29%14.11%17.67%
Continuous Operations Profit Margin
236.39%10.95%10.75%16.13%20.69%
Net Income Per EBT
67.05%66.69%66.50%67.41%72.33%
EBT Per EBIT
100.00%100.00%100.00%100.00%100.00%
Return on Assets (ROA)
0.33%0.31%0.29%0.25%0.28%
Return on Equity (ROE)
10.12%9.49%8.93%7.98%8.57%
Return on Capital Employed (ROCE)
0.90%0.88%0.88%0.80%0.88%
Return on Invested Capital (ROIC)
0.69%0.68%0.68%0.62%0.74%
Return on Tangible Assets
0.33%0.31%0.29%0.25%0.28%
Earnings Yield
13.77%17.69%16.04%18.06%15.57%
Efficiency Ratios
Receivables Turnover
0.08 0.78 0.71 0.36 0.47
Payables Turnover
0.00 1.36 1.12 0.47 0.31
Inventory Turnover
0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
0.38 7.67 7.96 6.25 5.43
Asset Turnover
<0.01 0.03 0.03 0.02 0.02
Working Capital Turnover Ratio
>-0.01 -0.18 -0.17 -0.09 -0.09
Cash Conversion Cycle
4.43K 198.15 189.31 242.10 -389.92
Days of Sales Outstanding
4.43K 466.74 513.83 1.01K 774.80
Days of Inventory Outstanding
0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
0.00 268.58 324.53 771.52 1.16K
Operating Cycle
4.43K 466.74 513.83 1.01K 774.80
Cash Flow Ratios
Operating Cash Flow Per Share
17.65 -5.28 -12.05 0.49 3.66
Free Cash Flow Per Share
17.17 -5.63 -12.34 -0.17 3.36
CapEx Per Share
0.48 0.35 0.29 0.35 0.29
Free Cash Flow to Operating Cash Flow
0.97 1.07 1.02 -0.34 0.92
Dividend Paid and CapEx Coverage Ratio
37.03 -2.56 -8.40 0.34 8.88
Capital Expenditure Coverage Ratio
37.03 -14.87 -41.26 1.40 12.48
Operating Cash Flow Coverage Ratio
0.17 -0.05 -0.13 <0.01 0.05
Operating Cash Flow to Sales Ratio
14.40 -0.21 -0.53 0.04 0.33
Free Cash Flow Yield
94.50%-42.37%-94.47%-1.68%26.79%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
7.26 5.65 6.24 5.54 6.42
Price-to-Sales (P/S) Ratio
14.83 0.54 0.58 0.78 1.13
Price-to-Book (P/B) Ratio
0.73 0.54 0.56 0.44 0.55
Price-to-Free Cash Flow (P/FCF) Ratio
1.06 -2.36 -1.06 -59.36 3.73
Price-to-Operating Cash Flow Ratio
1.03 -2.52 -1.08 20.08 3.43
Price-to-Earnings Growth (PEG) Ratio
0.91 0.65 0.34 -0.51 0.05
Price-to-Fair Value
0.73 0.54 0.56 0.44 0.55
Enterprise Value Multiple
-19.16 -19.02 -26.09 -42.97 -43.67
Enterprise Value
-216.30B -225.83B -279.10B -385.64B -404.00B
EV to EBITDA
-19.16 -19.02 -26.09 -42.97 -43.67
EV to Sales
-58.35 -3.03 -4.08 -10.25 -12.22
EV to Free Cash Flow
-4.16 13.30 7.46 779.08 -40.18
EV to Operating Cash Flow
-4.05 14.19 7.64 -263.60 -36.96
Tangible Book Value Per Share
21.48 21.11 20.07 18.97 19.40
Shareholders’ Equity Per Share
24.97 24.78 23.45 22.25 22.81
Tax and Other Ratios
Effective Tax Rate
0.22 0.23 0.23 0.23 0.15
Revenue Per Share
1.23 24.70 22.54 12.58 11.06
Net Income Per Share
2.50 2.35 2.09 1.78 1.95
Tax Burden
0.67 0.67 0.66 0.67 0.72
Interest Burden
1.00 1.00 1.00 1.00 1.00
Research & Development to Revenue
0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
0.00 0.00 0.00 0.00 0.00
Stock-Based Compensation to Revenue
0.03 0.00 0.00 <0.01 <0.01
Income Quality
5.00 -1.50 -5.75 0.19 1.35
Currency in EUR