(ACA) Credit Agricole - PA
Sector: Financial Services | Industry: Banks - Regional | Exchange: PA (France) | Market Cap: 52.148m EUR | Total Return: 18.4% in 12m
Avg Turnover: 96.8M
EPS Trend: 82.7%
Qual. Beats: 0
Rev. Trend: 89.6%
Qual. Beats: 0
Warnings
Extended 1w Choppy
Tailwinds
No distinct edge detected
Crédit Agricole S.A. is a French-headquartered financial institution providing retail, corporate, and investment banking services alongside insurance and asset management across global markets. The company operates through a decentralized cooperative model where it serves as the central body for a network of regional banks, functioning as a subsidiary of SAS Rue La Boétie.
The business is structured into five core segments: Asset Gathering, Large Customers, Specialized Financial Services, French Retail Banking (LCL), and International Retail Banking. Beyond traditional lending and deposit-taking, the group maintains a significant presence in the European insurance market and provides specialized services such as leasing, factoring, and asset servicing for institutional investors.
A key characteristic of the French banking sector is the high level of market concentration among major universal banks, which often integrate insurance (bancassurance) to diversify revenue streams. Investors may find it useful to examine ValueRay for deeper insights into the banks valuation metrics.
The firms client base is highly diversified, ranging from individual consumers and farmers to multinational corporations and sovereign entities. Founded in 1894, the organization has expanded its footprint into property development and low-carbon energy production, reflecting a broader trend of European banks integrating ESG-focused financing into their long-term portfolios.
- European Central Bank interest rate cuts compress net interest margins across retail segments
- Expansion of insurance and asset management fees diversifies revenue beyond traditional lending
- Credit risk exposure in Italian and French retail markets impacts loan loss provisions
- Rising operational efficiency through digitalization reduces cost-to-income ratios in French banking
- Stringent Basel III capital requirements dictate dividend payout capacity and share buyback potential
| Net Income: 10.6b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 2.01 > 1.0 |
| NWC/Revenue: 171.1% < 20% (prev -707.4%; Δ 878.4% < -1%) |
| CFO/TA 0.01 > 3% & CFO 19.0b > Net Income 10.6b |
| Net Debt (359b) to EBITDA (16.9b): 21.21 < 3 |
| Current Ratio: 2.36 > 1.5 & < 3 |
| Outstanding Shares: last quarter (3.02b) vs 12m ago -0.01% < -2% |
| Gross Margin: 77.87% > 18% (prev 58.97%; Δ 18.90% > 0.5%) |
| Asset Turnover: 8.07% > 50% (prev 5.41%; Δ 2.66% > 0%) |
| Interest Coverage Ratio: 0.41 > 6 (EBIT TTM 16.2b / Interest Expense TTM 39.8b) |
| A: 0.13 (Total Current Assets 564b - Total Current Liabilities 239b) / Total Assets 2416b |
| B: 0.00 (Retained Earnings 7.07b / Total Assets 2416b) |
| C: 0.01 (EBIT TTM 16.2b / Avg Total Assets 2351b) |
| D: 0.03 (Book Value of Equity 79.1b / Total Liabilities 2329b) |
| Altman-Z'' = 0.97 = BB |
As of June 19, 2026, the stock is trading at EUR 17.62 with a total of 7,024,518 shares traded.
Over the past week, the price has changed by +8.46%,
over one month by +11.98%,
over three months by +13.22% and
over the past year by +18.38%.
Credit Agricole has no consensus analysts rating.
P/E Trailing = 8.0939
P/E Forward = 9.0253
P/S = 1.9691
P/B = 0.6474
P/EG = 4.0562
Revenue TTM = 190b EUR
EBIT TTM = 16.2b EUR
EBITDA TTM = 16.9b EUR
Long Term Debt = 170b EUR (from longTermDebt, last fiscal year)
Short Term Debt = 239b EUR (from shortTermDebt, last fiscal year)
Debt = 519b EUR (from shortLongTermDebtTotal, last fiscal year)
Net Debt = 359b EUR (calculated: Debt 519b - CCE 160b)
Enterprise Value = 411b EUR (52.1b + Debt 519b - CCE 160b)
Interest Coverage Ratio = 0.41 (Ebit TTM 16.2b / Interest Expense TTM 39.8b)
EV/FCF = 22.99x (Enterprise Value 411b / FCF TTM 17.9b)
FCF Yield = 4.35% (FCF TTM 17.9b / Enterprise Value 411b)
FCF Margin = 9.43% (FCF TTM 17.9b / Revenue TTM 190b)
Net Margin = 5.58% (Net Income TTM 10.6b / Revenue TTM 190b)
Gross Margin = 77.87% ((Revenue TTM 190b - Cost of Revenue TTM 42.0b) / Revenue TTM)
Gross Margin QoQ = none% (prev 67.78%)
Tobins Q-Ratio = 0.17 (Enterprise Value 411b / Total Assets 2416b)
Interest Expense / Debt = 7.67% (Interest Expense 39.8b / Debt 519b)
Taxrate = 29.19% (790.0m / 2.71b)
NOPAT = 11.5b (EBIT 16.2b * (1 - 29.19%))
Current Ratio = 2.36 (Total Current Assets 564b / Total Current Liabilities 239b)
Debt / Equity = 6.56 (Debt 519b / totalStockholderEquity, last quarter 79.1b)
Debt / EBITDA = 21.21 (Net Debt 359b / EBITDA 16.9b)
Debt / FCF = 20.07 (Net Debt 359b / FCF TTM 17.9b)
Total Stockholder Equity = 73.3b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.45% (Net Income 10.6b / Total Assets 2416b)
RoE = 14.44% (Net Income TTM 10.6b / Total Stockholder Equity 73.3b)
RoCE = 6.65% (EBIT 16.2b / Capital Employed (Equity 73.3b + L.T.Debt 170b))
RoIC = 0.48% (NOPAT 11.5b / Invested Capital 2407b)
WACC = 5.58% (E(52.1b)/V(571b) * Re(7.07%) + D(519b)/V(571b) * Rd(7.67%) * (1-Tc(0.29)))
Discount Rate = 7.07% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 8.99 | Cagr: -0.07%
[DCF] Terminal Value 75.44% ; FCFF base≈17.9b ; Y1≈18.0b ; Y5≈19.0b
[DCF] Fair Price = N/A (negative equity: EV 296b - Net Debt 359b = -63.2b; debt exceeds intrinsic value)
EPS Correlation: 82.70 | EPS CAGR: 10.02% | SUE: 0.0 | # QB: 0
Revenue Correlation: 89.61 | Revenue CAGR: 102.8% | SUE: -0.00 | # QB: 0
EPS current Quarter (2026-06-30): EPS=0.58 | Chg30d=-0.56% | Revisions=-33% | Analysts=4
EPS next Quarter (2026-09-30): EPS=0.55 | Chg30d=+1.02% | Revisions=+0% | Analysts=4
EPS current Year (2026-12-31): EPS=2.22 | Chg30d=-1.92% | Revisions=+0% | GrowthEPS=+1.5% | GrowthRev=-0.4%
EPS next Year (2027-12-31): EPS=2.43 | Chg30d=-0.27% | Revisions=-23% | GrowthEPS=+9.4% | GrowthRev=+4.2%
[Analyst] Revisions Ratio: -33%