Full history for every metric is available with a Kvantra account
Key financial summary
Financials in EUR| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | €bn | 29.8 | 51.5 | 28.6 | 52.9 | 55.8 | 72.5 | 78.0 | - |
| Operating profit | €bn | 10.9 | 10.6 | ||||||
| Net profit | €bn | 2.69 | 5.84 | 5.31 | 6.35 | 7.09 | 7.07 | 6.59 | 6.95 |
| EPS reported | € | 2.18 | 2.02 | ||||||
| Operating cashflow per share | € | 6.28 | -2.63 | ||||||
| Capex per share | € | 0.37 | 0.21 | ||||||
| FCF per share | € | 5.91 | -2.85 | ||||||
| Free cash flow | €bn | 17.9 | -8.6 | ||||||
| Net debt | €bn | -46 | 536 | ||||||
| Book value equity | €bn | 69.5 | 70.2 | ||||||
| Book value per share | € | 22.96 | 23.20 | ||||||
| Number of shares | m | 3,027.23 | 3,024.92 | ||||||
| DPS (TTM paid) | € | 1.13 | 1.13 |
Financial summary
Financials in EUR| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 8.05 | - | ||||||
| P/B LTM | x | 0.76 | 0.70 | ||||||
| P/S LTM | x | 0.73 | 0.63 | ||||||
| P/FCF LTM | x | 2.97 | -5.74 | ||||||
| EV/EBITDA LTM | x | 34.67 | 50.35 | ||||||
| EV/Sales LTM | x | 3.60 | 7.50 | ||||||
| Earnings Yield LTM | % | 12.42% | 13.35% | ||||||
| FCF Yield | % | 33.68% | -17.44% | ||||||
| Quality | |||||||||
| ROE | % | 10.18% | 9.43% | ||||||
| ROIC | % | 0.36% | 0.32% | ||||||
| Operating margin | % | 9.73% | 9.22% | ||||||
| Gross margin | % | 62.62% | 65.77% | ||||||
| FCF/Sales | % | 15.93% | -7.46% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | +3.32% | -12.93% | ||||||
| Sales Growth YoY | % | +29.87% | +34.63% | ||||||
| Net Income Growth YoY | % | -0.18% | -12.96% | ||||||
| FCF Growth | % | - | - | ||||||
| Operating Profit Growth | % | +4.76% | -4.27% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | 6.26% | 6.92% | ||||||
| Dividend Growth | % | +2.73% | +2.73% | ||||||
| Payout Ratio | % | 50.43% | 47.05% | ||||||
| FCF/Debt | x | 0.03 | -0.01 | ||||||
| Net Debt/EBITDA | x | 28.66 | 46.10 | ||||||
| EBIT/Net interest | x | 0.27 | 0.28 | ||||||
| Net debt/market cap | % | -86.77% | 1085.3% | ||||||
| Net debt/Equity | x | -0.66 | 7.63 | ||||||
| Gross debt/equity | x | 7.47 | 9.77 | ||||||
ETFs that hold Crédit Agricole
| Fund | Ticker | Position# | Weight |
|---|---|---|---|
| iShares STOXX Europe Equity Multifactor UCITS ETF | IEEU.L | 9 | 1.91% |
| iShares Edge MSCI Europe Multifactor UCITS ETF | IFSD.L | 9 | 1.91% |
Funds with Crédit Agricole among their ten largest holdings, largest fund first.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
Company overview
Crédit Agricole S.A. is a global financial institution offering a comprehensive suite of services, encompassing retail and corporate banking, insurance, and investment solutions. Its operations are structured across several key divisions: Asset Gathering, Large Customers, Specialised Financial Services, French Retail Banking via LCL, and International Retail Banking. The company delivers a wide array of banking and financial products, including various deposit accounts (savings, current), lending facilities, payment solutions, and cash flow management tools. It also provides consumer credit and a range of specialized financial services. In wealth management, it assists individual clients in managing, safeguarding, and transferring their assets, alongside offering broader asset management services. Its insurance portfolio includes coverage for savings and retirement, life and disability (including creditor and group schemes), and property and casualty. Crédit Agricole S.A. also extends financing for property and equipment investments, provides trade receivable financing and administration for businesses, and funds renewable energy and public infrastructure projects. Leasing services are also part of its offering. Its investment banking arm delivers structured finance, international trade finance, commercial banking, capital market activities, and syndication services. Furthermore, it offers extensive asset servicing, covering execution, clearing, foreign exchange, securities lending and borrowing, custody, depositary bank functions, fund administration, outsourced middle-office solutions, fund distribution support, and issuer services. The diverse client base spans individual consumers, corporate entities, financial institutions, government bodies, and local authorities. Established in 1894 and headquartered in Montrouge, France, Crédit Agricole S.A. operates as a subsidiary of SAS Rue La Boétie.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
Crédit Agricole S.A. (ACA.PA)
| Fund | Ticker | Position# | Weight |
|---|---|---|---|
| iShares STOXX Europe Equity Multifactor UCITS ETF | IEEU.L | 9 | 1.91% |
| iShares Edge MSCI Europe Multifactor UCITS ETF | IFSD.L | 9 | 1.91% |
Funds with Crédit Agricole among their ten largest holdings, largest fund first.
Based on consensus from external analysts. Not Kvantra's opinion.
Crédit Agricole S.A. is a global financial institution offering a comprehensive suite of services, encompassing retail and corporate banking, insurance, and investment solutions. Its operations are structured across several key divisions: Asset Gathering, Large Customers, Specialised Financial Services, French Retail Banking via LCL, and International Retail Banking. The company delivers a wide array of banking and financial products, including various deposit accounts (savings, current), lending facilities, payment solutions, and cash flow management tools. It also provides consumer credit and a range of specialized financial services. In wealth management, it assists individual clients in managing, safeguarding, and transferring their assets, alongside offering broader asset management services. Its insurance portfolio includes coverage for savings and retirement, life and disability (including creditor and group schemes), and property and casualty. Crédit Agricole S.A. also extends financing for property and equipment investments, provides trade receivable financing and administration for businesses, and funds renewable energy and public infrastructure projects. Leasing services are also part of its offering. Its investment banking arm delivers structured finance, international trade finance, commercial banking, capital market activities, and syndication services. Furthermore, it offers extensive asset servicing, covering execution, clearing, foreign exchange, securities lending and borrowing, custody, depositary bank functions, fund administration, outsourced middle-office solutions, fund distribution support, and issuer services. The diverse client base spans individual consumers, corporate entities, financial institutions, government bodies, and local authorities. Established in 1894 and headquartered in Montrouge, France, Crédit Agricole S.A. operates as a subsidiary of SAS Rue La Boétie.
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