Crédit Agricole Past Earnings Performance

Past criteria checks 2/6

Crédit Agricole has been growing earnings at an average annual rate of 12.5%, while the Banks industry saw earnings growing at 6% annually. Revenues have been growing at an average rate of 6.3% per year. Crédit Agricole's return on equity is 9.8%, and it has net margins of 24.7%.

Key information

12.5%

Earnings growth rate

11.2%

EPS growth rate

Banks Industry Growth	3.1%
Revenue growth rate	6.3%
Return on equity	9.8%
Net Margin	24.7%
Next Earnings Update	05 Feb 2025

Recent past performance updates

Recent updates

Revenue & Expenses Breakdown

How Crédit Agricole makes and spends money. Based on latest reported earnings, on an LTM basis.

Earnings and Revenue History

BRSE:ACA Revenue, expenses and earnings (EUR Millions)
Date	Revenue	Earnings	G+A Expenses
30 Sep 24	24,451	6,037	1,242
30 Jun 24	24,354	5,896	1,260
31 Mar 24	24,146	6,328	1,242
31 Dec 23	23,487	5,893	1,242
30 Sep 23	23,177	6,594	1,726
30 Jun 23	22,225	6,058	1,726
31 Mar 23	21,467	5,408	1,167
31 Dec 22	20,760	4,773	1,167
30 Sep 22	20,534	4,411	1,213
30 Jun 22	20,837	4,645	1,213
31 Mar 22	20,960	4,997	1,213
31 Dec 21	21,030	5,486	1,213
30 Sep 21	20,704	4,265	1,212
30 Jun 21	19,986	3,994	1,212
31 Mar 21	18,499	2,996	1,212
31 Dec 20	17,969	2,540	1,212
30 Sep 20	18,012	4,001	1,098
30 Jun 20	18,161	3,921	1,098
31 Mar 20	18,899	4,154	1,098
31 Dec 19	18,950	4,295	1,098
30 Sep 19	18,734	3,573	818
30 Jun 19	18,623	3,627	818
31 Mar 19	18,779	3,856	818
31 Dec 18	18,744	3,960	818
30 Sep 18	18,334	3,365	808
30 Jun 18	18,062	3,330	808
31 Mar 18	17,472	3,212	808
01 Jan 18	17,218	3,175	808
30 Sep 17	17,142	3,025	749
30 Jun 17	16,125	2,544	749
31 Mar 17	16,058	2,369	749
31 Dec 16	15,114	1,763	749
30 Sep 16	15,195	2,164	707
30 Jun 16	15,217	2,352	707
31 Mar 16	14,954	1,833	707
31 Dec 15	15,439	2,105	707
30 Sep 15	14,650	2,135	350
30 Jun 15	14,750	2,262	350
31 Mar 15	14,115	1,743	681
31 Dec 14	13,698	2,128	681
30 Sep 14	13,486	2,310	1,053
30 Jun 14	13,298	2,056	1,053
31 Mar 14	13,433	2,741	722
31 Dec 13	12,886	2,454	722

Quality Earnings: ACA has high quality earnings.

Growing Profit Margin: ACA's current net profit margins (24.7%) are lower than last year (28.5%).

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: ACA's earnings have grown by 12.5% per year over the past 5 years.

Accelerating Growth: ACA's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.

Earnings vs Industry: ACA had negative earnings growth (-8.4%) over the past year, making it difficult to compare to the Banks industry average (8.4%).

Return on Equity

High ROE: ACA's Return on Equity (9.8%) is considered low.

Return on Assets

Return on Capital Employed

Discover strong past performing companies

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2024/11/16 00:12
End of Day Share Price	2024/08/19 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

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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.