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Credit AgricoleCHIX:ACAP -3.38%67 Cash-to-Debt is 1.75 as of Jun. 2026, which is 19% above its 10-year median of 1.47. GuruFocus rates CHIX:ACAP with a GF Score™ of 67/100 and a GF Value™ of €16.56 (Modestly Overvalued). The stock has 7 warning signs investors should review. Among 1,486 Banks companies, Credit Agricole ranks better than 55.38% on this metric.
Cash to Debt Ratio measures the financial strength of a company. It is calculated as a company's cash, cash equivalents, and marketable securities divide by its debt. Credit Agricole's cash to debt ratio for the quarter that ended in Jun. 2026 was 1.75.
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. Here we can see, Credit Agricolecould pay off its debt using the cash in hand for the quarter that ended in Jun. 2026.
The historical rank and industry rank for Credit Agricole's Cash-to-Debt or its related term are showing as below:
CHIX:ACAp'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.18 Med: 1.47 Max: 3.27
Current: 1.75
During the past 13 years, Credit Agricole's highest Cash to Debt Ratio was 3.27. The lowest was 0.18. And the median was 1.47.
CHIX:ACAp's Cash-to-Debt is ranked better than 55.38% of 1486
companies
in the Banks industry
Industry Median: 1.4
vs CHIX:ACAp: 1.75
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. If it is smaller than 1, it means the company has more debt than the cash in hands. In this case, it is important to look the the company's Interest Coverage. Ben Graham requires that a company must have an Interest Coverage of at least 5.
Credit Agricole Cash-to-Debt Related Terms
Credit Agricole Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for Credit Agricole's Cash-to-Debt can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
For the Banks - Regional subindustry, Credit Agricole's Cash-to-Debt, along with its competitors' market caps and Cash-to-Debt data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Credit Agricole Cash-to-Debt vs Banks Industry
For the Banks industry and Financial Services sector, Credit Agricole's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Credit Agricole's Cash-to-Debt falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Credit Agricole (CHIX:ACAP) has a Cash-to-Debt of 1.75 as of Jun. 2026. This is 19% above median its historical median of 1.47. Over the past decade, Credit Agricole's Cash-to-Debt has ranged from 0.18 to 3.27. According to the industry distribution chart, Credit Agricole ranks #663 out of 1486 companies in the Banks industry, placing it in the top 44.6%.
Is Credit Agricole's Cash-to-Debt too high?
Credit Agricole's current Cash-to-Debt of 1.75 is 19% above median its 10-year median of 1.47. Over the past 10 years, this metric has ranged from a low of 0.18 to a high of 3.27. The Banks industry median Cash-to-Debt is 1.40. Credit Agricole's value of 1.75 is 25% above this industry median. Based on the distribution chart, Credit Agricole ranks #663 out of 1486 companies in the Banks industry, which is above the industry midpoint. Overall, Credit Agricole has a GF Score™ of 67/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Credit Agricole's Cash-to-Debt compare to competitors?
According to the Banks industry distribution chart, Credit Agricole ranks #663 out of 1486 companies for Cash-to-Debt. This puts Credit Agricole in the upper half of its industry. The industry median Cash-to-Debt is 1.40. Credit Agricole's value of 1.75 is 25% above this benchmark. Historically, Credit Agricole's own Cash-to-Debt has ranged from 0.18 to 3.27 over the past decade. While the company's 10-year median is 1.47 vs. the industry median of 1.40, Credit Agricole has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cash-to-Debt for a Banks company?
The median Cash-to-Debt among Banks companies is 1.40, based on 1,486 companies in the industry. Companies in the top quartile (top 25%) have a Cash-to-Debt significantly above this median, while those in the bottom quartile fall well below. However, Cash-to-Debt should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Credit Agricole's current Cash-to-Debt of 1.75 is 25% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cash-to-Debt mean?
A high Cash-to-Debt can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median Cash-to-Debt is 1.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Credit Agricole's current Cash-to-Debt is 1.75, which is 19% above median its own 10-year median of 1.47. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Credit Agricole stock overvalued right now?
Based on GuruFocus' analysis, Credit Agricole (CHIX:ACAP) is currently considered Modestly Overvalued. The stock's GF Value™ is €16.56, compared to a current price of €18.40 — trading 11.1% above its estimated fair value. The current Cash-to-Debt is 1.75, which is 19% above median its 10-year median of 1.47 and 25% above the Banks industry median of 1.40. Credit Agricole's overall GF Score™ is 67/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cash-to-Debt calculated?
Cash-to-Debt is calculated from a company's financial statements. For Credit Agricole (CHIX:ACAP), the current Cash-to-Debt is 1.75 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Credit Agricole (CHIX:ACAP) Overvalued in 2026?
Based on GuruFocus' analysis, Credit Agricole stock appears to be overvalued.
The current stock price of €18.40 is trading 11.1% above its estimated GF Value™ of €16.56.
GuruFocus considers Credit Agricole to be Modestly Overvalued.
Key valuation signals for CHIX:ACAP:
Cash-to-Debt: 1.75 (19% above median its 10-year median of 1.47)
GF Value™: €16.56 vs. price of €18.40 (11.1% above fair value)
Industry Position: 25% above the Banks median (#663 of 1486)
No single metric tells the full story. See the CHIX:ACAP stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Credit Agricole S.A. is majority-owned by a group of 39 mutually owned, regional French banks, and together, they form the Credit Agricole Group, the largest cooperative bank globally. Credit Agricole S.A. houses all of Credit Agricole Group's activities, excluding the core French retail and commercial banking operations and including corporate and investment banking, its insurance operations, its international operations, notably in Italy, LCL, a separately branded French retail bank, and Credit Agricole S.A.'s majority interest in individually listed asset manager Amundi. Credit Agricole S.A. also acts as the central bank for the group.
67GF Score
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