Crédit Agricole S.A. provides retail, corporate, insurance, and investment banking products and services worldwide. More Details
Established dividend payer and good value.
Share Price & News
How has Crédit Agricole's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: ACA has not had significant price volatility in the past 3 months.
7 Day Return
1 Year Return
Return vs Industry: ACA underperformed the Austrian Banks industry which returned -34.7% over the past year.
Return vs Market: ACA underperformed the Austrian Market which returned -24.8% over the past year.
Price Volatility Vs. Market
How volatile is Crédit Agricole's share price compared to the market and industry in the last 5 years?
Simply Wall St News
No news available
Is Crédit Agricole undervalued compared to its fair value and its price relative to the market?
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: ACA (€7.38) is trading below our estimate of fair value (€7.85)
Significantly Below Fair Value: ACA is trading below fair value, but not by a significant amount.
Price To Earnings Ratio
PE vs Industry: ACA is good value based on its PE Ratio (5.4x) compared to the AT Banks industry average (8.6x).
PE vs Market: ACA is good value based on its PE Ratio (5.4x) compared to the Austrian market (18.7x).
Price to Earnings Growth Ratio
PEG Ratio: ACA is good value based on its PEG Ratio (0.5x)
Price to Book Ratio
PB vs Industry: ACA's PB Ratio (0.3x) is in line with the AT Banks industry average.
How is Crédit Agricole forecast to perform in the next 1 to 3 years based on estimates from 17 analysts?
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: ACA's forecast earnings growth (11.7% per year) is above the savings rate (0.5%).
Earnings vs Market: ACA's earnings (11.7% per year) are forecast to grow slower than the Austrian market (25.9% per year).
High Growth Earnings: ACA's earnings are forecast to grow, but not significantly.
Revenue vs Market: ACA's revenue (2.5% per year) is forecast to grow slower than the Austrian market (4.8% per year).
High Growth Revenue: ACA's revenue (2.5% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: ACA's Return on Equity is forecast to be low in 3 years time (6.2%).
How has Crédit Agricole performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: ACA has high quality earnings.
Growing Profit Margin: ACA's current net profit margins (21.5%) are higher than last year (19.5%).
Past Earnings Growth Analysis
Earnings Trend: ACA's earnings have grown by 16.3% per year over the past 5 years.
Accelerating Growth: ACA's earnings growth over the past year (8.1%) is below its 5-year average (16.3% per year).
Earnings vs Industry: ACA earnings growth over the past year (8.1%) exceeded the Banks industry -32.4%.
Return on Equity
High ROE: ACA's Return on Equity (7.1%) is considered low.
How is Crédit Agricole's financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Financial Institutions Analysis
Asset Level: ACA's Assets to Equity ratio (27.5x) is very high.
Allowance for Bad Loans: ACA has a low allowance for bad loans (74%).
Low Risk Liabilities: 50% of ACA's liabilities are made up of primarily low risk sources of funding.
Loan Level: ACA has an appropriate level of Loans to Assets ratio (27%).
Low Risk Deposits: ACA's Loans to Deposits ratio (55%) is appropriate.
Level of Bad Loans: ACA has a high level of bad loans (2.7%).
What is Crédit Agricole current dividend yield, its reliability and sustainability?
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: ACA's dividend (9.49%) is higher than the bottom 25% of dividend payers in the Austrian market (1.46%).
High Dividend: ACA's dividend (9.49%) is in the top 25% of dividend payers in the Austrian market (4.85%)
Stability and Growth of Payments
Stable Dividend: ACA's dividend payments have been volatile in the past 10 years.
Growing Dividend: ACA's dividend payments have increased over the past 10 years.
Current Payout to Shareholders
Dividend Coverage: With its reasonable payout ratio (51.5%), ACA's dividend payments are covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: ACA's dividends in 3 years are forecast to be well covered by earnings (49.9% payout ratio).
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Philippe Brassac (61 yo)
Mr. Philippe Brassac serves as Chairman at Credit Agricole Corporate and Investment Bank. He has been the President of Federation Bancaire Francaise since September 01, 2016. He serves as Director at Fonda ...
CEO Compensation Analysis
Compensation vs Market: Philippe's total compensation ($USD2.79M) is below average for companies of similar size in the Austrian market ($USD4.07M).
Compensation vs Earnings: Philippe's compensation has been consistent with company performance over the past year.
|CEO & Chair of the French Banking Federation||5.42yrs||€2.36m||no data|
|Deputy Chief Executive Officer||8.25yrs||€1.33m||0.00063% |
|Deputy GM & CFO||5.75yrs||no data||no data|
|Deputy GM||no data||no data||no data|
|Head of Investor Relations||1.75yrs||no data||no data|
|Head of Investors Relations||no data||no data||no data|
|Head of Legal Affairs||4.92yrs||no data||no data|
|Group Head of Compliance||no data||no data||no data|
|Head of Group Communications||9.75yrs||no data||no data|
|Head of Marketing & Communication and Company Secretary||0.083yr||no data||no data|
|Group Head of Human Resources||4.58yrs||no data||no data|
|Deputy GM and Head of Savings Management & Property||16.42yrs||no data||no data|
Experienced Management: ACA's management team is seasoned and experienced (5.4 years average tenure).
|Chairman of the Crcam Touraine & Poitou and Director of the Fnca||no data||€20.90k||no data|
|Independent Director||11.42yrs||€72.24k||0.000040% |
|Chairman of the Board||4.92yrs||€560.00k||0.00015% |
|Independent Director||8.42yrs||€123.62k||0.000070% |
|Chairman & Director of the CRCAM Toulouse et Midi Toulousain||no data||€9.90k||no data|
|Independent Director||9.42yrs||€56.35k||0.000040% |
|Deputy Chairman||no data||€43.12k||0.00029% |
|Independent Director||10.42yrs||€45.34k||0.000020% |
|Independent Director||3.42yrs||€115.02k||0% |
Experienced Board: ACA's board of directors are considered experienced (8.3 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Crédit Agricole S.A.'s company bio, employee growth, exchange listings and data sources
- Name: Crédit Agricole S.A.
- Ticker: ACA
- Exchange: WBAG
- Industry: Diversified Banks
- Sector: Banks
- Market Cap: €21.269b
- Shares outstanding: 2.88b
- Website: https://www.credit-agricole.com
Number of Employees
- Crédit Agricole S.A.
- 12, place des États-Unis
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|CRAR.F||OTCPK (Pink Sheets LLC)||Yes||Registered Shares||US||USD||Dec 2001|
|XCA||DB (Deutsche Boerse AG)||Yes||Registered Shares||DE||EUR||Dec 2001|
|ACA||ENXTPA (Euronext Paris)||Yes||Registered Shares||FR||EUR||Dec 2001|
|0HAI||LSE (London Stock Exchange)||Yes||Registered Shares||GB||EUR||Dec 2001|
|ACA||BIT (Borsa Italiana)||Yes||Registered Shares||IT||EUR||Dec 2001|
|XCA||XTRA (XETRA Trading Platform)||Yes||Registered Shares||DE||EUR||Dec 2001|
|ACAP||BATS-CHIXE (BATS 'Chi-X Europe')||Yes||Registered Shares||GB||EUR||Dec 2001|
|ACA||WBAG (Wiener Boerse AG)||Yes||Registered Shares||AT||EUR||Dec 2001|
|ACAF N||BMV (Bolsa Mexicana de Valores)||Yes||Registered Shares||MX||MXN||Dec 2001|
|CRAR.Y||OTCPK (Pink Sheets LLC)||ADR EA REPR 0.5 ORD EUR3.0||US||USD||Oct 2008|
|XCAU||BST (Boerse-Stuttgart)||ADR EA REPR 0.5 ORD EUR3.0||DE||EUR||Oct 2008|
|45906221||BDL (Bourse de Luxembourg)||8.125%-FRN T1 PERP GBP50000 'REGS'||LU||GBP||Oct 2009|
Crédit Agricole S.A. provides retail, corporate, insurance, and investment banking products and services worldwide. It operates through five segments: Asset Gathering; French Retail Banking - LCL; Internat ...
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2020/10/22 21:42|
|End of Day Share Price||2020/10/22 00:00|
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.