Update shared on 05 Nov 2025
Fair value Decreased 0.37%Crédit Agricole’s fair value price target was marginally revised lower to €18.64 from €18.71. Analysts cited cautious sentiment and ongoing reductions in official price targets, despite improvements in growth and profitability metrics.
Analyst Commentary
Recent Street research reveals a prevailing caution among analysts toward Crédit Agricole, reflected in a series of downward price target revisions and shifts in ratings. The following summarizes key viewpoints:
Bullish Takeaways
- Bullish analysts acknowledge improvements in the bank’s profitability metrics, suggesting underlying operational strength.
- Current valuations may already reflect much of the downside. This could offer potential upside if growth metrics continue to strengthen.
- Stable market positioning and core business growth contribute to a more balanced longer-term outlook.
Bearish Takeaways
- Bearish analysts have continued to reduce their official price targets over recent months, pointing to lingering uncertainty around growth potential.
- Several have issued lower ratings due to a less favorable earnings trajectory relative to peers. This raises concerns over Crédit Agricole’s ability to outperform the sector.
- Some believe that the current growth momentum may not be sustainable, especially when compared to other European banks with stronger recent performance.
What's in the News
- Keefe Bruyette analyst Tom Hallett downgraded Crédit Agricole to Underperform from Market Perform and set an EUR 18 price target. The analyst cited a less favorable earnings growth trajectory compared to peers (Keefe Bruyette).
Valuation Changes
- Consensus Analyst Price Target: The fair value estimate has edged down slightly to €18.64 from €18.71.
- Discount Rate: The discount rate remains unchanged at 12.1%.
- Revenue Growth: The projected revenue growth rate has risen modestly to 4.60% from 4.10%.
- Net Profit Margin: The net profit margin estimate has increased slightly to 26.52% from 26.40%.
- Future P/E: The forecast for the future price-to-earnings ratio is virtually unchanged, now at 9.97x versus 9.98x previously.
Disclaimer
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