Credit Agricole SA

Credit Agricole SA

ACA · PA · Financial Services / Banks - Diversified

15.84EUR+0.01 (+0.03%)

Price History

Full chart

Market Stats

Previous Close15.83
Open15.84
Day Range15.74 – 15.90
52-Week Range13.91 – 19.69
Volume3.06M
Market Cap45.21B
P/E (TTM)7.62
Forward P/E6.18
EPS1.96
Dividend Yield11.34%
Beta0.80
50-Day Avg17.28
200-Day Avg17.50

About

Crédit Agricole S.A. provides retail and corporate banking, insurance, and investment banking products and services in France, Italy, rest of the European Union, rest of Europe, North America, Central and South America, Africa, the Middle East, the Asia Pacific, and Japan. It operates in five segments: Asset Gathering, Large Customers, Specialized Financial Services, French Retail Banking " LCL, and International Retail Banking. The company offers savings/retirement, death and disability/creditor/group, and property and casualty insurance products; asset management; investment solutions; banking products and services, savings, wealth management, payment, cash flow management, and online banking services; personal finance and mobility; and specialized financial services. It also provides investment banking, structured finance, international trade finance, commercial banking, capital market, and syndication services; leasing, factoring, and energy and territorial financing; and asset servicing solutions for investment products, as well as various asset classes, such as execution, clearing, forex, security lending, custody, depositary banking, fund administration, middle-office outsourcing, fund distribution, and issuer services. In addition, the company offers property services, including transactions, rental, rental management, condominium trustee, and renovation under the Square Habitat brand; property development and management; and low-carbon electricity production. The company serves individuals, SMEs, small businesses, corporates, farmers, financial institutions, local authorities, asset managers, insurance companies, institutional investors, pension and unlisted funds, banks, and brokers. Crédit Agricole S.A. was founded in 1894 and is headquartered in Montrouge, France. Crédit Agricole S.A. operates as a subsidiary of SAS Rue La Boetie.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Diversified
  • CEOMr. Olivier-Eric Alain Gavalda
  • Employees79.85K
  • Headquarters12 Place des États-Unis, Montrouge, France, 92127, France
  • Websitehttps://www.credit-agricole.com

Leadership

  • Mr. Olivier-Eric Alain GavaldaChief Executive Officer · b. 1963
  • Mr. Jerome GrivetDeputy Chief Executive Officer · b. 1962
  • Mr. Paul FoubertHead of Group Finance · b. 1969

Financials

Income Statement

Currency: EUR2003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue28.02B38.61B45.53B53.15B52.98B50.95B39.00B37.61B38.82B34.60B31.57B31.12B31.72B30.15B50.58B44.75B65.43B41.49B63.21B45.58B97.73B104.97B112.32B
Growth (%)-+37.78%+17.93%+16.74%-0.33%-3.83%-23.46%-3.56%+3.21%-10.86%-8.76%-1.44%+1.95%-4.96%+67.77%-11.53%+46.21%-36.59%+52.35%-27.89%+114.43%+7.41%+7.01%
Cost of Revenue18.67B26.50B31.84B36.97B36.21B34.99B21.06B17.48B19.40B17.62B15.91B15.53B14.71B13.31B14.08B14.41B15.00B14.45B13.29B18.86B46.47B50.72B41.99B
Gross Profit9.35B12.11B13.69B16.19B16.77B15.96B17.94B20.13B19.41B16.99B15.66B15.58B17.01B16.84B36.51B30.34B50.43B27.04B49.91B26.71B51.26B54.25B70.33B
Gross Margin33.37%31.36%30.07%30.45%31.65%31.32%46.01%53.52%50.02%49.09%49.59%50.08%53.63%55.85%72.17%67.80%77.08%65.17%78.97%58.61%52.45%51.68%62.62%
Operating Expense6.37B8.55B8.50B9.34B11.95B14.78B16.44B17.52B19.60B18.71B12.73B12.35B13.20B13.49B31.30B24.10B44.83B22.86B42.21B19.21B41.91B43.82B59.41B
Operating Income2.98B3.55B5.19B6.85B4.82B1.17B1.50B2.61B-186.00M-1.72B2.93B3.23B3.81B3.35B5.20B6.24B5.60B4.17B7.71B7.50B9.35B10.43B10.93B
Operating Margin10.65%9.20%11.40%12.89%9.09%2.30%3.84%6.93%-0.48%-4.97%9.27%10.40%12.01%11.10%10.28%13.95%8.56%10.06%12.19%16.46%9.57%9.94%9.73%
EBITDA3.38B4.37B5.64B7.36B5.59B2.05B5.92B5.89B551.00M-941.00M3.61B3.88B4.48B4.05B5.99B7.00B6.65B5.32B8.88B8.60B10.50B11.68B12.27B
EBITDA Margin12.07%11.32%12.40%13.84%10.55%4.02%15.18%15.65%1.42%-2.72%11.42%12.47%14.12%13.44%11.84%15.64%10.16%12.82%14.05%18.88%10.74%11.12%10.93%
Net Income1.29B2.80B4.25B5.26B4.56B1.27B1.45B1.75B-1.47B-6.39B2.51B2.34B3.52B3.54B3.65B4.40B4.84B2.69B5.84B5.31B6.35B7.09B7.07B
Net Income Margin4.59%7.25%9.33%9.89%8.60%2.48%3.71%4.66%-3.79%-18.46%7.95%7.53%11.08%11.74%7.21%9.83%7.40%6.49%9.25%11.64%6.50%6.75%6.30%
Interest Expense18.67B26.50B31.84B36.97B36.21B34.99B21.06B17.48B19.40B17.62B15.91B15.53B14.71B13.31B12.43B13.25B13.66B11.72B11.68B16.97B44.88B49.15B39.83B
Interest Expense % of Total Revenue66.63%68.64%69.93%69.55%68.35%68.68%53.99%46.48%49.98%50.91%50.41%49.92%46.37%44.15%24.57%29.60%20.88%28.24%18.47%37.22%45.92%46.82%35.46%

Balance Sheet

Currency: EUR2003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets785.99B933.30B1.06T1.26T1.41T1.65T1.56T1.59T1.72T1.60T1.52T1.59T1.53T1.52T1.55T1.62T1.77T1.96T2.07T2.17T2.19T2.31T2.37T
Total Liabilities757.97B903.41B1.03T1.22T1.37T1.61T1.51T1.54T1.67T1.56T1.47T1.53T1.47T1.46T1.49T1.56T1.70T188.36B199.33B237.73B2.12T2.23T2.30T
Total Equity19.13B22.19B30.68B34.32B40.69B41.73B45.46B45.67B42.80B40.16B42.29B50.11B53.81B58.28B53.06B53.80B57.79B65.22B68.22B64.63B63.87B67.49B69.52B
Cash106.72B110.63B265.65B298.40B337.64B376.39B34.73B29.32B28.47B311.67B344.19B322.75B313.89B314.95B53.44B69.30B95.43B561.87B640.85B654.92B180.54B165.65B167.55B
Total Debt109.19B111.84B119.37B187.29B200.53B222.08B217.85B208.82B182.10B192.57B222.16B226.12B212.70B214.08B350.01B380.15B415.93B308.67B356.62B536.59B606.71B644.05B519.23B
Net Debt2.47B-122.00B-146.28B-111.11B-137.12B172.29B183.12B179.50B-124.56B150.10B-122.00B-96.63B-101.19B-100.87B296.57B310.85B320.50B-373.51B-441.52B-417.20B426.18B478.40B351.68B

Cash Flow

Currency: EUR2004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow9.71B-15.69B-23.18B31.63B3.62B1.07B-11.17B3.52B19.25B10.30B-17.01B-6.49B-22.71B28.58B24.93B6.84B57.29B10.93B594.00M-54.83B-27.15B19.01B
Investing Cash Flow-1.30B-3.05B-2.42B-1.03B473.00M-1.78B-809.00M-2.01B-90.00M-692.00M-1.85B-1.31B15.98B-2.58B-1.75B6.28B-3.23B-838.00M-5.06B8.66B-2.76B-4.40B
Financing Cash Flow-3.43B306.00M11.74B9.32B14.39B-7.42B-1.19B10.72B-253.00M-2.37B1.42B-8.09B2.12B2.06B-1.93B2.21B7.68B-1.70B1.57B17.19B11.62B-4.49B
Capital Expenditure327.00M334.00M509.00M811.00M631.00M923.00M921.00M787.00M400.00M616.00M742.00M868.00M784.00M1.06B688.00M947.00M748.00M876.00M1.09B1.73B1.84B1.12B
Free Cash Flow9.38B-16.03B-23.69B30.82B2.99B143.00M-12.09B2.73B18.85B9.69B-17.75B-7.35B-23.49B27.52B24.24B5.89B56.54B10.05B-495.00M-56.56B-28.99B17.90B
Dividends Paid1.42B384.00M1.54B2.71B7.01B305.00M1.02B267.00M3.31B272.00M616.00M1.61B1.02B1.59B1.80B2.67B583.00M3.07B3.22B3.80B3.91B3.33B
FCF to OCF96.63%102.13%102.20%97.44%82.58%13.41%108.25%77.63%97.92%94.02%104.36%113.38%103.45%96.29%97.24%86.15%98.69%91.99%-83.33%103.16%106.77%94.13%
Dividend Paid to FCF15.13%-2.40%-6.49%8.78%234.24%213.29%-8.45%9.78%17.56%2.81%-3.47%-21.95%-4.34%5.77%7.43%45.26%1.03%30.51%-650.91%-6.72%-13.49%18.60%

Earnings

Report DateNov 17, 2004Mar 9, 2005Jun 2, 2005Sep 7, 2005May 17, 2006Sep 6, 2006Nov 22, 2006May 16, 2007Aug 30, 2007Nov 15, 2007May 15, 2008Aug 28, 2008Nov 13, 2008Mar 3, 2009May 14, 2009Nov 10, 2009Feb 25, 2010May 18, 2010Aug 30, 2010Nov 19, 2010Feb 24, 2011May 16, 2011Aug 25, 2011Nov 15, 2011Mar 15, 2012Aug 28, 2012Nov 13, 2012Feb 20, 2013May 15, 2013Aug 5, 2013Nov 7, 2013Feb 19, 2014May 7, 2014Aug 15, 2014Nov 6, 2014Feb 18, 2015May 6, 2015Aug 4, 2015Nov 4, 2015Feb 17, 2016May 12, 2016Aug 3, 2016Nov 8, 2016Feb 15, 2017May 11, 2017Aug 3, 2017Nov 8, 2017Feb 14, 2018May 15, 2018Aug 3, 2018Nov 7, 2018Feb 14, 2019May 15, 2019Aug 2, 2019Nov 8, 2019Feb 14, 2020May 6, 2020Aug 6, 2020Nov 4, 2020Feb 10, 2021May 7, 2021Aug 5, 2021Nov 10, 2021Feb 10, 2022May 5, 2022Aug 4, 2022Nov 10, 2022Feb 9, 2023May 10, 2023Aug 4, 2023Nov 8, 2023Feb 8, 2024May 3, 2024Aug 1, 2024Nov 6, 2024Feb 5, 2025Apr 30, 2025Jul 31, 2025Oct 30, 2025Feb 4, 2026Apr 30, 2026Jul 31, 2026Oct 29, 2026Oct 30, 2026Feb 4, 2027
EPS Estimate0.320.340.480.490.660.670.680.800.78-0.400.220.200.26-0.250.220.300.210.290.060.440.200.290.22-0.12-0.080.220.210.200.26-0.250.290.270.260.300.280.280.090.310.340.190.220.320.330.240.260.340.340.270.250.390.360.350.160.200.280.190.200.360.410.380.300.360.380.290.220.430.420.390.490.520.500.440.610.640.530.360.520.600.550.570.58
EPS Actual0.380.280.560.610.820.770.681.570.710.540.410.440.16-0.430.090.090.160.370.160.310.040.420.400.370.23-1.150.290.220.290.270.250.170.570.400.300.270.270.330.390.280.150.310.390.120.270.380.310.260.230.460.370.330.230.400.340.420.170.360.360.310.280.480.430.460.210.600.380.480.370.580.460.350.510.580.510.540.590.740.530.320.520.590.59--
Surprise18.75%-17.65%16.67%24.49%24.24%14.93%0.00%96.25%-8.97%-2.50%100.00%-20.00%-265.38%--64.00%-27.27%23.33%-23.81%6.90%-33.33%-4.55%100.00%27.59%4.55%-141.67%375.00%31.82%28.57%25.00%-34.62%-60.00%3.45%0.00%3.85%10.00%39.29%0.00%66.67%0.00%14.71%-36.84%22.73%18.75%-6.06%8.33%-11.54%35.29%8.82%22.22%-8.00%2.56%-5.56%20.00%6.25%80.00%28.57%63.16%40.00%33.33%4.88%21.05%-30.00%66.67%0.00%65.52%68.18%34.88%9.52%-10.26%4.08%11.54%2.00%22.73%-3.28%15.63%0.00%-11.11%0.00%-1.67%7.27%--
TimingAfter-hoursPre-marketPre-marketPre-marketPre-market-Pre-marketPre-marketPre-market-Pre-marketPre-marketAfter-hoursAfter-hours-After-hours-Pre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-market-After-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hours-Pre-marketAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketAfter-hours-Pre-marketAfter-hoursPre-marketPre-marketPre-market-Pre-marketPre-marketPre-market-Pre-market-Pre-marketPre-market--Pre-marketPre-marketPre-market-Pre-marketPre-marketPre-market-After-hoursAfter-hoursAfter-hours

Key Statistics & Ratios

Market Cap45.21B
Enterprise Value-322.33B
Trailing P/E7.62
Forward P/E6.18
PEG Ratio1.40
Price / Sales1.65
Price / Book0.58
EPS1.96
Book Value26.38
Revenue (TTM)27.38B
Gross Profit (TTM)27.38B
Profit Margin26.04%
Operating Margin44.90%
Return on Equity9.33%
Return on Assets0.34%
Shares Outstanding3.03B
Shares Float882.81M
Beta0.80
Dividend Yield11.34%
Dividend Rate1.70
Payout Ratio57.13%

Dividends

20262×
0.57Oct 13, 20261.13May 26, 2026
20251×
1.10May 26, 2025
20241×
1.05May 29, 2024
20231×
1.05May 30, 2023
20221×
1.05May 30, 2022
20211×
0.80May 18, 2021
20191×
0.69May 24, 2019
20181×
0.63May 22, 2018
20171×
0.60May 29, 2017
20161×
0.60May 27, 2016
20151×
0.35May 28, 2015
20141×
0.35May 28, 2014
20111×
0.45May 26, 2011
20101×
0.45May 27, 2010
20091×
0.45May 27, 2009
20081×
1.11May 27, 2008
20071×
1.06May 29, 2007
20061×
0.85May 29, 2006
20051×
0.33May 27, 2005
20042×
0.27Dec 16, 20040.50May 28, 2004
20031×
0.50Jun 19, 2003
20021×
0.50Jun 3, 2002

Stock Splits

  • Jun 6, 2008945:872
  • Jan 4, 200762:61
  • Oct 27, 20031186:1177