Crédit Agricole S.A. provides retail, corporate, insurance, and investment banking products and services worldwide. More Details
Average dividend payer and fair 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 is less volatile than 75% of French stocks over the past 3 months, typically moving +/- 3% a week.
Volatility Over Time: ACA's weekly volatility (3%) has been stable over the past year.
7 Day Return
1 Year Return
Return vs Industry: ACA exceeded the French Banks industry which returned 73.6% over the past year.
Return vs Market: ACA exceeded the French Market which returned 44.9% over the past year.
Long-Term 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
1 day ago | Simply Wall StWhy We Think Crédit Agricole S.A.'s (EPA:ACA) CEO Compensation Is Not Excessive At All
1 month ago | Simply Wall StWhat Is The Ownership Structure Like For Crédit Agricole S.A. (EPA:ACA)?
2 months ago | Simply Wall StIs Crédit Agricole S.A. (EPA:ACA) A Strong Dividend Stock?
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 (€13.09) is trading below our estimate of fair value (€13.37)
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 poor value based on its PE Ratio (14.9x) compared to the FR Banks industry average (11.9x).
PE vs Market: ACA is good value based on its PE Ratio (14.9x) compared to the French market (24.4x).
Price to Earnings Growth Ratio
PEG Ratio: ACA is good value based on its PEG Ratio (0.8x)
Price to Book Ratio
PB vs Industry: ACA is overvalued based on its PB Ratio (0.6x) compared to the FR Banks industry average (0.3x).
How is Crédit Agricole forecast to perform in the next 1 to 3 years based on estimates from 18 analysts?
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: ACA's forecast earnings growth (19.6% per year) is above the savings rate (0.4%).
Earnings vs Market: ACA's earnings (19.6% per year) are forecast to grow slower than the French market (20.4% per year).
High Growth Earnings: ACA's earnings are forecast to grow, but not significantly.
Revenue vs Market: ACA's revenue (6.5% per year) is forecast to grow slower than the French market (6.9% per year).
High Growth Revenue: ACA's revenue (6.5% 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 (7.5%).
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 (14.1%) are lower than last year (22.7%).
Past Earnings Growth Analysis
Earnings Trend: ACA's earnings have grown by 13.4% 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 (-40.8%) over the past year, making it difficult to compare to the Banks industry average (-34.2%).
Return on Equity
High ROE: ACA's Return on Equity (4.7%) 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 (26.7x) is very high.
Allowance for Bad Loans: ACA has a low allowance for bad loans (72%).
Low Risk Liabilities: 51% 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 (25%).
Low Risk Deposits: ACA's Loans to Deposits ratio (51%) is appropriate.
Level of Bad Loans: ACA has a high level of bad loans (2.8%).
What is Crédit Agricole current dividend yield, its reliability and sustainability?
Current Dividend Yield
Upcoming Dividend Payment
Dividend Yield vs Market
Notable Dividend: ACA's dividend (6.11%) is higher than the bottom 25% of dividend payers in the French market (1.29%).
High Dividend: ACA's dividend (6.11%) is in the top 25% of dividend payers in the French market (4.02%)
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 high payout ratio (90.9%), ACA's dividend payments are not well covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: ACA's dividends in 3 years are forecast to be covered by earnings (51.6% 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 Chief Executive Officer at Crédit Agricole S.A., since May 20, 2015 and Chair of the French Banking Fed...
CEO Compensation Analysis
Compensation vs Market: Philippe's total compensation ($USD2.96M) is about average for companies of similar size in the French market ($USD3.82M).
Compensation vs Earnings: Philippe's compensation has been consistent with company performance over the past year.
Experienced Management: ACA's management team is seasoned and experienced (6 years average tenure).
Experienced Board: ACA's board of directors are considered experienced (9 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: ENXTPA
- Founded: NaN
- Industry: Diversified Banks
- Sector: Banks
- Market Cap: €38.159b
- Shares outstanding: 2.92b
- Website: https://www.credit-agricole.com
Number of Employees
- Crédit Agricole S.A.
- 12 place des États-Unis
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||2021/05/06 19:37|
|End of Day Share Price||2021/05/06 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.