BIT/1ACA (BIT/1ACA)

Borsa Italiana: BIT/1ACA · EUR

€16.8

-0.12 (-0.7%)· Recorded snapshot

Market cap	45.5B
Revenue (ttm)	26B
Net income (ttm)	6.1B
EPS (ttm)	€2.02
P/E (trailing)	8.3x
P/E (forward)	6.3x
Dividend	€1.70 (10.13%)
Volume	15,825
Beta	0.82

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): 26B
Net income (ttm): 6.1B
EPS (ttm): €2.02
P/E (trailing): 8.3x
P/E (forward): 6.3x
Market cap: 45.5B

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector percentile context

Refreshed 2026-10-28 19:55 UTC

Forward P/E6.3

P25 9.9P50 11.4P75 15.9

Trailing P/E8.3

P25 10.6P50 12.9P75 19.7

ROE8.6

P25 9.2P50 13.9P75 20.3

ROICn/a

P25 4.1P50 8.8P75 16.9

Benchmarks · 1M

All BIT/1ACA indicators

Market & fundamental data

Available fields

195

Groups with data

Currency

EUR

Showing 195 of 195 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Amount currency	EUR
Country	France
Country code	IT
Earnings date	2026-10-30
Employees	79,848
Employees change	1,430
Employees growth	1.78%
Exchange	Borsa Italiana
Financial currency	EUR
Financial report date	2026-06-30
First seen	2026-05-10
Fiscal year end	December
Founded	1894
Industry	Banks - Regional
Is primary listing	No
ISIN number	FR0000045072
Last earnings date	2026-07-31
Last refreshed	2026-10-28
Market cap	EUR 45.5B
Next earnings date	2026-10-30
Price	EUR 16.78
Price currency	EUR
Sector	Financials
SIC code	6020
Stock price date	2026-10-02
Symbol	bit/1ACA
Website	https://www.credit-agricole.com

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Average P/E ratio (10Y)	8.11x
Average P/E ratio (3Y)	7.03x
Average P/E ratio (5Y)	6.75x
Earnings yield	12.06%
FCF yield	-18.79%
Forward P/E	6.29x
Graham number	40.33248
Graham upside	140.43%
Industry forward P/E	10.58x
Industry P/E	11.38x
Lynch fair value	EUR 22.88
Lynch upside	36.38%
P/B ratio	0.52x
P/E ratio	8.29x
P/S ratio	1.75x
Price / tangible book value	0.78x
Sector forward P/E	10.84x
Sector P/E	11.71x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
Effective tax rate	26.38%
Operating margin	39.41%
Pretax margin	38.53%
Profit margin	25.32%
Profit per employee	EUR 76,683
Profitable quarters	27
Profitable years	13
Revenue per employee	EUR 325,919
ROA	0.31%
ROA (5Y)	0.33%
ROE	8.61%
ROE (5Y)	9.21%
Tax / revenue	10.16%

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
EPS growth	-12.97%
EPS growth (Q)	-14.77%
EPS growth (QoQ)	22.4%
EPS growth 10Y	6.51%
EPS growth 3Y	1.25%
EPS growth 5Y	9.32%
EPS growth years	3
Net income growth	-12.96%
Net income growth (Q)	-20.1%
Net income growth (QoQ)	22.42%
Net income growth 3Y	1.1%
Net income growth 5Y	10.14%
Net income growth years	0
Revenue growth	-1.47%
Revenue growth (Q)	-6.25%
Revenue growth (QoQ)	6.75%
Revenue growth 10Y	5.51%
Revenue growth 3Y	5.27%
Revenue growth 5Y	5.42%
Revenue growth years	3

Financial statements

Income-statement and cash-flow amounts, totals and per share.

Metric	Value
Capital expenditures	EUR -649M
EPS	EUR 2.02
Financing cash flow	EUR -4.6B
Free cash flow	EUR -8.6B
Gross profit	EUR 26B
Income taxes	EUR 2.6B
Investing cash flow	EUR -4.3B
Net cash flow	EUR -21.8B
Net income	EUR 6.1B
Operating income	EUR 10.3B
Revenue	EUR 26B

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Book value per share	EUR 23.20
Debt / equity	7.35
Goodwill	EUR 16.5B
Net cash (debt)	EUR 402.1B
Net cash / market cap	883.31%
Net cash growth	-20.2%
Net debt / equity	-4.62
Piotroski F-Score	2
Property, plant and equipment	EUR 10.5B
Shareholders' equity	EUR 86.9B
Tangible book value	EUR 58.2B
Tangible book value per share	EUR 16.60
Total assets	EUR 2.5T
Total cash	EUR 1T
Total debt	EUR 639.1B
Total liabilities	EUR 2.4T
WACC	0.58%

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Working capital	EUR -385.4B

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback yield / dilution	0.09%
Dividend growth	0%
Dividend growth (10Y)	10.98%
Dividend growth (3Y)	17.42%
Dividend growth (5Y)	16.27%
Dividend growth years	1
Dividend payment date	2026-10-15
Dividend payment years	6
Dividend payout frequency	Annual
Dividend per share	EUR 1.70
Dividend yield	10.13%
Ex-dividend date	2026-10-13
Last dividend	EUR 0.57
Payout ratio	50.52%
Shareholder yield	10.23%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
10Y price change	90.95%
10Y return CAGR	13.8%
10Y total return	264.11%
150-day SMA	EUR 17.64
15Y price change	224.16%
15Y return CAGR	13.81%
15Y total return	596.01%
1D price change	-0.68%
1M price change	-9.42%
1M total return	-6.24%
1W price change	-6.36%
1W total return	-3.07%
1Y price change	-1.58%
1Y return CAGR	8.9%
1Y total return	8.89%
20-day SMA	EUR 18.14
200-day SMA	EUR 17.71
3M price change	-3.59%
3M total return	-0.2%
3Y price change	42.94%
3Y return CAGR	21.83%
3Y total return	80.87%
50-day SMA	EUR 18.78
50-day SMA vs 200-day SMA	50over200
52-week high	EUR 20.37
52-week high date	2026-08-13
52-week low	EUR 15.11
52-week low date	2026-03-09
5Y price change	42.77%
5Y return CAGR	16.95%
5Y total return	118.73%
6M price change	1.3%
6M total return	12.08%
All-time high	EUR 28.89
All-time high date	2007-10-04
All-time low	EUR 2.86
All-time low date	2012-05-30
Average true range (ATR)	EUR 0.35
Average volume	6.2K
Beta (5Y)	0.82
Change from 52-week high	-17.65%
Change from 52-week low	11.02%
Change from all-time high	-41.93%
Change from all-time low	485.72%
Change from open	-0.74%
Day's gap	0.06%
Dollar volume	EUR 265,464
High price	EUR 16.95
Low price	EUR 16.60
Monthly RSI	52.52
Open price	EUR 16.90
Position in 52-week range	50.72%
Previous close	EUR 16.89
Price vs 150-day SMA	-4.92%
Price vs 20-day SMA	-7.5%
Price vs 200-day SMA	-5.26%
Price vs 50-day SMA	-10.67%
Relative volume	2.55
RSI	25.28
Sharpe ratio	0.21
Sharpe ratio (3Y)	0.7
Sharpe ratio (5Y)	0.47
Sortino ratio	0.51
Sortino ratio (3Y)	1.21
Sortino ratio (5Y)	0.86
Volume	15.8K
Weekly RSI	41.16
YTD price change	-4.42%
YTD total return	5.76%

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	873.3M
Shares change (QoQ)	0.01%
Shares change (YoY)	-0.09%
Shares held by institutions	8.73%

Deeper analysis on BIT/1ACA

14 sections in the full report · jump straight to what you need

Forecast

Base and Bull forecast paths with report-date return framing.

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Valuation

Fair-value bridge, DCF, owner earnings, and peer multiples.

→

Sensitivity

Cost-of-equity and terminal-growth stress table.

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Risks

Kill scenarios, soft-pass flags, and downside catalysts.

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Earnings

Next earnings setup and beat / inline / miss thresholds.

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Position sizing

Entry, exit, conviction, and quarterly monitoring rules.

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Financials

Revenue, margins, cash flow, and balance-sheet context.

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Peers

Relative valuation and profitability against the cohort.

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Moat

Economic-profit evidence and competitive advantage risk.

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Industry cycle

Sector phase, capital cycle, and secular tailwinds.

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Frequently asked questions

About this BIT/1ACA report

Is a complete BIT/1ACA research report available?

No complete published report is available for bit/1ACA (BIT/1ACA) on this page. Market-directory data, when present, is not a substitute for a validated stock analysis.

BIT/1ACA (BIT/1ACA)

Price

Financial snapshot

Fair-value bridge

Latest news · BIT/1ACA

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All BIT/1ACA indicators

Profile and market data

Valuation

Profitability

Growth

Financial statements

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Ownership and float

Deeper analysis on BIT/1ACA

Frequently asked questions