How does XCA's PE Ratio compare to its peers?

XCA is expensive based on its Price-To-Earnings Ratio (6.7x) compared to the peer average (5.8x).

How does XCA's PE Ratio compare vs other companies in the European Banks Industry?

XCA is good value based on its Price-To-Earnings Ratio (6.7x) compared to the European Banks industry average (7.4x).

What is XCA's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

Insufficient data to calculate XCA's Price-To-Earnings Fair Ratio for valuation analysis.

What is the Fair Price of XCA when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

XCA (€13.53) is trading below our estimate of [[fair value]] (€27.72)

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

Insufficient data to show price forecast.

XCA Stock Overview

Provides retail, corporate, insurance, and investment banking products and services in France and internationally. More details

XCA fundamental analysis
Snowflake Score
Valuation	3/6
Future Growth	0/6
Past Performance	2/6
Financial Health	2/6
Dividends	5/6

Rewards

Trading at 51.2% below our estimate of its fair value

Risk Analysis

Shares are highly illiquid

Unstable dividend track record

My Notes

Capture your thoughts, links and company narrative

Crédit Agricole S.A. Competitors

First Investment Bank AD

BUL:FIB

лв581.4m

Central Cooperative Bank AD

BUL:CCB

лв212.3m

Lloyds Banking Group

LSE:LLOY

UK£33.2b

NatWest Group

LSE:NWG

UK£32.4b

Price History & Performance

Summary of share price highs, lows and changes for Crédit Agricole
Historical stock prices
Current Share Price	€13.53
52 Week High	€13.53
52 Week Low	€13.52
Beta	1.47
1 Month Change	0%
3 Month Change	n/a
1 Year Change	n/a
3 Year Change	n/a
5 Year Change	n/a
Change since IPO	42.01%

Recent updates

Shareholder Returns

	XCA	BG Banks	BG Market
7D	0%	0.2%	0.6%
1Y	n/a	21.4%	12.3%

Return vs Industry: Insufficient data to determine how XCA performed against the BG Banks industry.

Return vs Market: Insufficient data to determine how XCA performed against the BG Market.

Price Volatility

Is XCA's price volatile compared to industry and market?
XCA volatility
XCA Average Weekly Movement	n/a
Banks Industry Average Movement	3.0%
Market Average Movement	4.2%
10% most volatile stocks in BG Market	8.2%
10% least volatile stocks in BG Market	2.5%

Stable Share Price: XCA's share price has been volatile over the past 3 months compared to the BG market.

Volatility Over Time: Insufficient data to determine XCA's volatility change over the past year.

About the Company

Founded	Employees	CEO	Website
1894	78,823	Philippe Brassac	www.credit-agricole.com

Crédit Agricole S.A. provides retail, corporate, insurance, and investment banking products and services in France and internationally. It operates through French Retail Banking – Regional Banks; French Retail Banking - LCL; International Retail Banking; Asset Gathering; Large Customers; and Specialised Financial Services segments. The company offers banking products and services, finance, savings, wealth management, payment, and cash flow management services; consumer finance products; savings/retirement, death and disability/creditor/group, and property and casualty insurance products; investment solutions; and banking and specialized financial services.

Crédit Agricole S.A. Fundamentals Summary

How do Crédit Agricole's earnings and revenue compare to its market cap?
XCA fundamental statistics
Market cap	€40.40b
Earnings (TTM)	€6.04b
Revenue (TTM)	€24.45b

6.7x

P/E Ratio

0.6x

P/B Ratio

Is XCA overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
XCA income statement (TTM)
Revenue	€24.45b
Cost of Revenue	€0
Gross Profit	€24.45b
Other Expenses	€18.41b
Earnings	€6.04b

Last Reported Earnings

Sep 30, 2024

Next Earnings Date

Feb 05, 2025

Earnings per share (EPS)	1.99
Gross Margin	100.00%
Net Profit Margin	24.69%
Debt/Equity Ratio	627.2%

How did XCA perform over the long term?

See historical performance and comparison

Dividends

7.9%

Current Dividend Yield

52%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2024/11/12 06:46
End of Day Share Price	2024/08/15 00:00
Earnings	2024/09/30
Annual Earnings	2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* example for US securities, for non-US equivalent regulatory forms and sources are used.

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.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

Crédit Agricole S.A. is covered by 46 analysts. 15 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution
Crescentini Giuseppe	Abaxbank
Pierre-Yves Gauthier	AlphaValue
Benoit De Broissia	Banco BPI, S.A.

Crédit Agricole BUL:XCA Stock Report