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Crédit Agricole S.A.

CRARY

(2.5)
Stock Price

6,90 USD

0.42% ROA

11.29% ROE

2.21x PER

Market Cap.

39.312.272.947,88 USD

775.34% DER

7.39% Yield

8.64% NPM

Crédit Agricole S.A. Stock Analysis

Crédit Agricole S.A. Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Crédit Agricole S.A. Fundamental Stock Analysis
# Analysis Rating
1 PBV

The stock's low PBV ratio (0.46x) suggests it's undervalued, making it an attractive opportunity for investors.

2 Assets Growth

With a track record of consistent revenue growth in the past five years, this company presents a compelling opportunity.

3 ROE

ROE in an average range (7.15%) suggests satisfactory profitability and decent utilization of shareholders' equity.

4 ROA

The stock's ROA (0.29%) shows that it's doing a pretty good job at making money from its assets, making it a solid choice to invest and earn steady profits.

5 Graham Number

The company's Graham number suggests that its stock price is underestimated, implying that it may present a compelling investment opportunity.

6 Dividend Growth

The company's dividend growth has been consistently strong over the past three years, with annual increases that demonstrate its commitment to rewarding shareholders.

7 Dividend

The company has consistently provided dividends over the past three years, indicating a reliable source of income for investors.

8 Buffet Intrinsic Value

The company's stock seems undervalued (27) by Warren Buffett's formula, indicating a promising investment opportunity as its intrinsic value exceeds the market price.

9 DER

The stock is burdened with a heavy load of debt (392%), making it financially unstable and potentially risky for investors.

10 Revenue Growth

Regrettably, this company's revenue has shown no signs of growth over the past three years, suggesting limited potential for returns and making it a less appealing choice.

11 Net Profit Growth

Despite the passage of five years, this company's net profit has not shown any improvement, highlighting a lack of growth and making it a less appealing investment prospect.

Crédit Agricole S.A. Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Crédit Agricole S.A. Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Buy
2 MACD Buy
3 RSI Hold
4 Stoch RSI Sell

Crédit Agricole S.A. Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Crédit Agricole S.A. Revenue
Year Revenue Growth
2003 9.351.000.000
2004 12.513.000.000 25.27%
2005 13.693.000.000 8.62%
2006 16.187.000.000 15.41%
2007 16.768.000.000 3.46%
2008 15.956.000.000 -5.09%
2009 17.942.000.000 11.07%
2010 20.129.000.000 10.86%
2011 20.783.000.000 3.15%
2012 15.149.000.000 -37.19%
2013 17.602.000.000 13.94%
2014 15.588.000.000 -12.92%
2015 17.013.000.000 8.38%
2016 16.840.000.000 -1.03%
2017 18.495.000.000 8.95%
2018 18.687.000.000 1.03%
2019 19.123.000.000 2.28%
2020 18.061.000.000 -5.88%
2021 21.397.000.000 15.59%
2022 21.955.000.000 2.54%
2023 25.648.000.000 14.4%
2023 84.086.000.000 69.5%
2024 212.272.000.000 60.39%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Crédit Agricole S.A. Research and Development Expenses
Year Research and Development Expenses Growth
2003 0
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Crédit Agricole S.A. General and Administrative Expenses
Year General and Administrative Expenses Growth
2003 0
2004 0 0%
2005 8.712.000.000 100%
2006 0 0%
2007 0 0%
2008 0 0%
2009 4.689.000.000 100%
2010 3.777.000.000 -24.15%
2011 10.207.000.000 63%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%
2024 0 0%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Crédit Agricole S.A. EBITDA
Year EBITDA Growth
2003 20.920.000.000
2004 25.213.000.000 17.03%
2005 37.569.000.000 32.89%
2006 44.381.000.000 15.35%
2007 41.798.000.000 -6.18%
2008 37.068.000.000 -12.76%
2009 23.672.000.000 -56.59%
2010 23.387.000.000 -1.22%
2011 30.270.000.000 22.74%
2012 12.468.000.000 -142.78%
2013 19.331.000.000 35.5%
2014 18.987.000.000 -1.81%
2015 19.792.000.000 4.07%
2016 18.252.000.000 -8.44%
2017 18.595.000.000 1.84%
2018 19.872.000.000 6.43%
2019 6.348.000.000 -213.04%
2020 4.964.000.000 -27.88%
2021 8.252.000.000 39.84%
2022 25.277.000.000 67.35%
2023 9.524.000.000 -165.4%
2023 -104.000.000 9257.69%
2024 -1.264.000.000 91.77%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Crédit Agricole S.A. Gross Profit
Year Gross Profit Growth
2003 9.351.000.000
2004 12.513.000.000 25.27%
2005 13.693.000.000 8.62%
2006 16.187.000.000 15.41%
2007 16.768.000.000 3.46%
2008 15.956.000.000 -5.09%
2009 17.942.000.000 11.07%
2010 20.129.000.000 10.86%
2011 20.783.000.000 3.15%
2012 15.149.000.000 -37.19%
2013 17.602.000.000 13.94%
2014 15.588.000.000 -12.92%
2015 17.013.000.000 8.38%
2016 16.840.000.000 -1.03%
2017 18.495.000.000 8.95%
2018 18.687.000.000 1.03%
2019 19.123.000.000 2.28%
2020 18.061.000.000 -5.88%
2021 21.397.000.000 15.59%
2022 21.955.000.000 2.54%
2023 25.648.000.000 14.4%
2023 84.086.000.000 69.5%
2024 54.408.000.000 -54.55%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Crédit Agricole S.A. Net Profit
Year Net Profit Growth
2003 1.286.000.000
2004 2.507.000.000 48.7%
2005 4.249.000.000 41%
2006 5.319.000.000 20.12%
2007 4.556.000.000 -16.75%
2008 1.266.000.000 -259.87%
2009 1.446.000.000 12.45%
2010 1.752.000.000 17.47%
2011 -1.198.000.000 246.24%
2012 -6.471.000.000 81.49%
2013 2.505.000.000 358.32%
2014 2.340.000.000 -7.05%
2015 3.516.000.000 33.45%
2016 3.540.000.000 0.68%
2017 3.649.000.000 2.99%
2018 4.400.000.000 17.07%
2019 4.844.000.000 9.17%
2020 2.692.000.000 -79.94%
2021 5.844.000.000 53.94%
2022 5.306.000.000 -10.14%
2023 6.992.000.000 24.11%
2023 6.348.000.000 -10.14%
2024 13.052.000.000 51.36%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Crédit Agricole S.A. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2003 0
2004 1 0%
2005 1 100%
2006 2 0%
2007 1 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 -1 100%
2013 0 0%
2014 0 0%
2015 1 0%
2016 1 0%
2017 1 0%
2018 1 0%
2019 2 100%
2020 1 0%
2021 2 100%
2022 2 0%
2023 1 0%
2023 2 0%
2024 4 75%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Crédit Agricole S.A. Free Cashflow
Year Free Cashflow Growth
2004 9.381.000.000
2005 -16.028.000.000 158.53%
2006 -23.688.000.000 32.34%
2007 30.816.000.000 176.87%
2008 2.991.000.000 -930.29%
2009 143.000.000 -1991.61%
2010 -12.088.000.000 101.18%
2011 2.731.000.000 542.62%
2012 18.852.000.000 85.51%
2013 9.688.000.000 -94.59%
2014 -17.749.000.000 154.58%
2015 -7.354.000.000 -141.35%
2016 -23.490.000.000 68.69%
2017 27.522.000.000 185.35%
2018 24.242.000.000 -13.53%
2019 5.890.000.000 -311.58%
2020 56.541.000.000 89.58%
2021 10.054.000.000 -462.37%
2022 -495.000.000 2131.11%
2023 35.133.000.000 101.41%
2024 17.511.000.000 -100.63%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Crédit Agricole S.A. Operating Cashflow
Year Operating Cashflow Growth
2004 9.708.000.000
2005 -15.694.000.000 161.86%
2006 -23.179.000.000 32.29%
2007 31.627.000.000 173.29%
2008 3.622.000.000 -773.19%
2009 1.066.000.000 -239.77%
2010 -11.167.000.000 109.55%
2011 3.518.000.000 417.42%
2012 19.252.000.000 81.73%
2013 10.304.000.000 -86.84%
2014 -17.007.000.000 160.59%
2015 -6.486.000.000 -162.21%
2016 -22.706.000.000 71.43%
2017 28.582.000.000 179.44%
2018 24.930.000.000 -14.65%
2019 6.837.000.000 -264.63%
2020 57.289.000.000 88.07%
2021 10.930.000.000 -424.14%
2022 594.000.000 -1740.07%
2023 36.018.000.000 98.35%
2024 17.957.000.000 -100.58%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Crédit Agricole S.A. Capital Expenditure
Year Capital Expenditure Growth
2004 327.000.000
2005 334.000.000 2.1%
2006 509.000.000 34.38%
2007 811.000.000 37.24%
2008 631.000.000 -28.53%
2009 923.000.000 31.64%
2010 921.000.000 -0.22%
2011 787.000.000 -17.03%
2012 400.000.000 -96.75%
2013 616.000.000 35.06%
2014 742.000.000 16.98%
2015 868.000.000 14.52%
2016 784.000.000 -10.71%
2017 1.060.000.000 26.04%
2018 688.000.000 -54.07%
2019 947.000.000 27.35%
2020 748.000.000 -26.6%
2021 876.000.000 14.61%
2022 1.089.000.000 19.56%
2023 885.000.000 -23.05%
2024 446.000.000 -98.43%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Crédit Agricole S.A. Equity
Year Equity Growth
2003 23.571.000.000
2004 24.940.000.000 5.49%
2005 30.682.000.000 18.71%
2006 39.852.000.000 23.01%
2007 46.474.000.000 14.25%
2008 47.336.000.000 1.82%
2009 51.964.000.000 8.91%
2010 52.149.000.000 0.35%
2011 49.292.000.000 -5.8%
2012 45.232.000.000 -8.98%
2013 47.889.000.000 5.55%
2014 56.116.000.000 14.66%
2015 59.435.000.000 5.58%
2016 63.937.000.000 7.04%
2017 64.706.000.000 1.19%
2018 65.516.000.000 1.24%
2019 70.843.000.000 7.52%
2020 73.495.000.000 3.61%
2021 76.916.000.000 4.45%
2022 73.480.000.000 -4.68%
2023 72.699.000.000 -1.07%
2023 140.800.000.000 48.37%
2024 71.909.000.000 -95.8%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Crédit Agricole S.A. Assets
Year Assets Growth
2003 781.542.000.000
2004 811.241.000.000 3.66%
2005 1.057.217.000.000 23.27%
2006 1.261.296.000.000 16.18%
2007 1.414.223.000.000 10.81%
2008 1.653.220.000.000 14.46%
2009 1.557.342.000.000 -6.16%
2010 1.593.529.000.000 2.27%
2011 1.723.608.000.000 7.55%
2012 1.842.361.000.000 6.45%
2013 1.536.873.000.000 -19.88%
2014 1.589.076.000.000 3.29%
2015 1.529.294.000.000 -3.91%
2016 1.524.232.000.000 -0.33%
2017 1.550.283.000.000 1.68%
2018 1.624.394.000.000 4.56%
2019 1.767.643.000.000 8.1%
2020 1.961.062.000.000 9.86%
2021 2.073.955.000.000 5.44%
2022 2.167.621.000.000 4.32%
2023 2.189.398.000.000 0.99%
2023 2.422.000.000.000 9.6%
2024 2.232.870.000.000 -8.47%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Crédit Agricole S.A. Liabilities
Year Liabilities Growth
2003 757.971.000.000
2004 786.301.000.000 3.6%
2005 1.026.535.000.000 23.4%
2006 1.221.444.000.000 15.96%
2007 1.367.749.000.000 10.7%
2008 1.605.884.000.000 14.83%
2009 1.505.378.000.000 -6.68%
2010 1.541.380.000.000 2.34%
2011 1.674.316.000.000 7.94%
2012 1.797.129.000.000 6.83%
2013 1.488.984.000.000 -20.69%
2014 1.532.960.000.000 2.87%
2015 1.469.859.000.000 -4.29%
2016 1.460.295.000.000 -0.65%
2017 1.485.577.000.000 1.7%
2018 1.558.878.000.000 4.7%
2019 1.696.800.000.000 8.13%
2020 188.358.000.000 -800.84%
2021 199.326.000.000 5.5%
2022 237.726.000.000 16.15%
2023 2.115.672.000.000 88.76%
2023 271.200.000.000 -680.12%
2024 2.160.961.000.000 87.45%

Crédit Agricole S.A. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
36.12
Net Income per Share
3.12
Price to Earning Ratio
2.21x
Price To Sales Ratio
0.36x
POCF Ratio
0.22
PFCF Ratio
0.42
Price to Book Ratio
0.33
EV to Sales
-0.55
EV Over EBITDA
-41.65
EV to Operating CashFlow
-0.63
EV to FreeCashFlow
-0.63
Earnings Yield
0.45
FreeCashFlow Yield
2.4
Market Cap
39,31 Bil.
Enterprise Value
-59,89 Bil.
Graham Number
38.42
Graham NetNet
-684.87

Income Statement Metrics

Net Income per Share
3.12
Income Quality
11.42
ROE
0.11
Return On Assets
0
Return On Capital Employed
0.01
Net Income per EBT
0.61
EBT Per Ebit
2.12
Ebit per Revenue
0.07
Effective Tax Rate
0.23

Margins

Sales, General, & Administrative to Revenue
0
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
0.64
Operating Profit Margin
0.07
Pretax Profit Margin
0.14
Net Profit Margin
0.09

Dividends

Dividend Yield
0.07
Dividend Yield %
7.39
Payout Ratio
0
Dividend Per Share
0.61

Operating Metrics

Operating Cashflow per Share
31.69
Free CashFlow per Share
31.38
Capex to Operating CashFlow
0.01
Capex to Revenue
0.01
Capex to Depreciation
0.79
Return on Invested Capital
0.01
Return on Tangible Assets
0
Days Sales Outstanding
149.33
Days Payables Outstanding
0
Days of Inventory on Hand
-2071.06
Receivables Turnover
2.44
Payables Turnover
0
Inventory Turnover
-0.18
Capex per Share
0.31

Balance Sheet

Cash per Share
59,67
Book Value per Share
23,91
Tangible Book Value per Share
17.48
Shareholders Equity per Share
21.02
Interest Debt per Share
164.57
Debt to Equity
7.75
Debt to Assets
0.22
Net Debt to EBITDA
-68.98
Current Ratio
0.52
Tangible Asset Value
52,57 Bil.
Net Current Asset Value
-1.650,80 Bil.
Invested Capital
-435202000000
Working Capital
-463,74 Bil.
Intangibles to Total Assets
0.01
Average Receivables
52,33 Bil.
Average Payables
0,00 Bil.
Average Inventory
-111968000000
Debt to Market Cap
12.47

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Crédit Agricole S.A. Dividends
Year Dividends Growth
2010 0
2011 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2021 1 0%
2022 1 0%
2023 1 0%
2024 1 0%

Crédit Agricole S.A. Profile

About Crédit Agricole S.A.

Crédit Agricole S.A. provides retail, corporate, insurance, and investment banking products and services worldwide. It operates through Asset Gathering; Large Customers; Specialised Financial Services; French Retail Banking - LCL; and International Retail Banking. The company offers banking products and services, including savings and current accounts and deposits, finance, payments, and flow management services; consumer finance products; and banking and specialized financial services. It also provides wealth management services that allow individual customers to manage, protect, and transfer their assets, as well as other asset management services; and savings/retirement, death and disability/creditor/group, and property and casualty insurance products. In addition, the company offers financing solutions for property and equipment investment and renewal requirements; trade receivable financing and management solutions for corporates; and financing services for renewable energy and public infrastructure projects, as well as leasing services. Further, it provides investment banking, structured finance, international trade finance, commercial banking, capital market, and syndication services; and asset servicing solutions for investment products, as well as various asset classes, such as execution, clearing, forex, security lending and borrowing, custody, depositary bank, fund administration, middle-office outsourcing solutions, and fund distribution support and issuer services. The company serves retail customers, corporates, banks and financial institutions, government agencies, and local authorities. 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 Boétie.

CEO
Mr. Philippe Brassac
Employee
78.823
Address
12 place des Etats-Unis
Montrouge, 92127

Crédit Agricole S.A. Executives & BODs

Crédit Agricole S.A. Executives & BODs
# Name Age
1 Mr. Xavier Musca
Deputy Chief Executive Officer in charge of Large Customers
70
2 Mr. Jean-Paul Mazoyer
Deputy GM and Head of Technology, Digital & Payments
70
3 Mr. Hubert Reynier
Head of Compliance
70
4 Mr. Olivier-Eric Alain Gavalda
Deputy Chief Executive Officer in charge of Universal Banking
70
5 Ms. Julie De La Palme
Head of Communications
70
6 Mr. Philippe Brassac
Chief Executive Officer
70
7 Ms. Cecile Mouton
Head of Investor Relations
70
8 Mr. Francis Vicari
Head of Legal
70
9 Mr. Paul Foubert
Head of Group Finance
70
10 Mr. Jerome Grivet
Deputy Chief Executive Officer in charge of Steering & Control functions
70

Crédit Agricole S.A. Competitors