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Credit Agricole (GB:0HAI)
LSE:0HAI
UK Market

Credit Agricole (0HAI) Ratios

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Credit Agricole Ratios

GB:0HAI's free cash flow for Q4 2025 was €0.00. For the 2025 fiscal year, GB:0HAI's free cash flow was decreased by € and operating cash flow was €0.15. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
0.00 0.47 0.61 0.63 0.66
Quick Ratio
0.00 0.47 0.61 0.63 0.66
Cash Ratio
0.00 0.00 0.53 0.54 0.56
Solvency Ratio
<0.01 <0.01 <0.01 <0.01 <0.01
Operating Cash Flow Ratio
0.00 0.04 -0.01 -0.03 <0.01
Short-Term Operating Cash Flow Coverage
0.31 0.20 0.00 0.00 0.00
Net Current Asset Value
€ -1.60T€ -1.69T€ -1.55T€ -1.41T€ -1.30T
Leverage Ratios
Debt-to-Assets Ratio
0.22 0.22 0.14 0.13 0.11
Debt-to-Equity Ratio
7.47 7.47 4.22 3.94 3.61
Debt-to-Capital Ratio
0.88 0.88 0.81 0.80 0.78
Long-Term Debt-to-Capital Ratio
0.80 0.80 0.81 0.80 0.78
Financial Leverage Ratio
34.15 34.15 30.92 30.80 32.14
Debt Service Coverage Ratio
0.06 0.04 0.19 0.19 0.42
Interest Coverage Ratio
0.00 0.00 0.22 0.21 0.46
Debt to Market Cap
9.66 9.75 7.88 7.08 8.16
Interest Debt Per Share
171.83 171.52 120.97 107.26 85.94
Net Debt to EBITDA
-24.03 48.35 -22.40 -29.79 -46.24
Profitability Margins
Gross Profit Margin
-5.47%0.00%34.01%34.32%54.89%
EBIT Margin
33.47%10.68%14.27%13.97%20.93%
EBITDA Margin
33.47%10.68%15.94%15.65%23.86%
Operating Profit Margin
33.47%10.68%14.27%13.97%20.93%
Pretax Profit Margin
25.70%10.35%14.27%13.97%20.93%
Net Profit Margin
16.86%6.56%9.52%9.29%14.11%
Continuous Operations Profit Margin
19.72%8.01%10.95%10.75%16.13%
Net Income Per EBT
65.61%63.43%66.69%66.50%67.41%
EBT Per EBIT
76.77%96.86%100.00%100.00%100.00%
Return on Assets (ROA)
0.33%0.28%0.31%0.29%0.25%
Return on Equity (ROE)
10.12%9.49%9.49%8.93%7.98%
Return on Capital Employed (ROCE)
0.90%1.01%0.88%0.88%0.80%
Return on Invested Capital (ROIC)
0.69%-1.81%0.68%0.68%0.62%
Return on Tangible Assets
0.33%0.28%0.31%0.29%0.25%
Earnings Yield
14.12%12.42%17.69%16.04%18.06%
Efficiency Ratios
Receivables Turnover
0.00 0.00 0.78 0.71 0.36
Payables Turnover
0.00 0.00 1.36 1.12 0.47
Inventory Turnover
0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
4.92 9.75 7.67 7.96 6.25
Asset Turnover
0.02 0.04 0.03 0.03 0.02
Working Capital Turnover Ratio
-0.24 -0.18 -0.18 -0.17 -0.09
Cash Conversion Cycle
4.43K 0.00 198.15 189.31 242.10
Days of Sales Outstanding
4.43K 0.00 466.74 513.83 1.01K
Days of Inventory Outstanding
0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
0.00 0.00 268.58 324.53 771.52
Operating Cycle
4.43K 0.00 466.74 513.83 1.01K
Cash Flow Ratios
Operating Cash Flow Per Share
24.43 16.03 -5.28 -12.05 0.49
Free Cash Flow Per Share
23.73 15.66 -5.63 -12.34 -0.17
CapEx Per Share
0.69 0.37 0.35 0.29 0.35
Free Cash Flow to Operating Cash Flow
0.97 0.98 1.07 1.02 -0.34
Dividend Paid and CapEx Coverage Ratio
35.30 10.91 -2.56 -8.40 0.34
Capital Expenditure Coverage Ratio
35.30 43.45 -14.87 -41.26 1.40
Operating Cash Flow Coverage Ratio
0.14 0.09 -0.05 -0.13 <0.01
Operating Cash Flow to Sales Ratio
1.45 0.48 -0.21 -0.53 0.04
Free Cash Flow Yield
96.93%89.25%-42.37%-94.47%-1.68%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
6.26 8.05 5.65 6.24 5.54
Price-to-Sales (P/S) Ratio
1.06 0.53 0.54 0.58 0.78
Price-to-Book (P/B) Ratio
0.77 0.76 0.54 0.56 0.44
Price-to-Free Cash Flow (P/FCF) Ratio
0.75 1.12 -2.36 -1.06 -59.36
Price-to-Operating Cash Flow Ratio
0.73 1.09 -2.52 -1.08 20.08
Price-to-Earnings Growth (PEG) Ratio
0.06 2.43 0.65 0.34 -0.51
Price-to-Fair Value
0.77 0.76 0.54 0.56 0.44
Enterprise Value Multiple
33.73 53.30 -19.02 -26.09 -42.97
Enterprise Value
-217.68B 572.35B -225.83B -279.10B -385.64B
EV to EBITDA
-19.28 53.30 -19.02 -26.09 -42.97
EV to Sales
-58.72 5.69 -3.03 -4.08 -10.25
EV to Free Cash Flow
-4.19 12.07 13.30 7.46 779.08
EV to Operating Cash Flow
-4.08 11.79 14.19 7.64 -263.60
Tangible Book Value Per Share
19.16 19.13 21.11 20.07 18.97
Shareholders’ Equity Per Share
23.01 22.96 24.78 23.45 22.25
Tax and Other Ratios
Effective Tax Rate
0.23 0.23 0.23 0.23 0.23
Revenue Per Share
16.79 33.21 24.70 22.54 12.58
Net Income Per Share
2.83 2.18 2.35 2.09 1.78
Tax Burden
0.67 0.63 0.67 0.66 0.67
Interest Burden
1.00 0.97 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 0.00 <0.01
Income Quality
5.00 7.36 -1.50 -5.75 0.19
Currency in EUR