Crédit Agricole S.A. operates as a central financial institution in France, Italy, other European Union countries, Other European countries, North America, Central and South America, Africa and the Middle East, the Asia Pacific, and Japan.
Undervalued established dividend payer.
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's share price has been volatile over the past 3 months.
7 Day Return
1 Year Return
Return vs Industry: ACA underperformed the French Banks industry which returned -44% over the past year.
Return vs Market: ACA underperformed the French Market which returned -21.9% 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
1 week ago | Simply Wall StWhy Crédit Agricole S.A. (EPA:ACA) Could Be Worth Watching
1 month ago | Simply Wall StIs It Worth Buying Crédit Agricole S.A. (EPA:ACA) For Its 6.5% Dividend Yield?
1 month ago | Simply Wall StDid Crédit Agricole's (EPA:ACA) Share Price Deserve to Gain 37%?
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 (€6.02) is trading below our estimate of fair value (€10.78)
Significantly Below Fair Value: ACA is trading below fair value by more than 20%.
Price To Earnings Ratio
PE vs Industry: ACA is good value based on its PE Ratio (4x) compared to the Banks industry average (6.6x).
PE vs Market: ACA is good value based on its PE Ratio (4x) compared to the French market (13.2x).
Price to Earnings Growth Ratio
PEG Ratio: ACA is poor value based on its PEG Ratio (22.1x)
Price to Book Ratio
PB vs Industry: ACA is good value based on its PB Ratio (0.3x) compared to the XE Banks industry average (0.5x).
How is Crédit Agricole forecast to perform in the next 1 to 3 years based on estimates from 16 analysts?
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: ACA's forecast earnings growth (0.2% per year) is above the savings rate (-0.1%).
Earnings vs Market: ACA's earnings (0.2% per year) are forecast to grow slower than the French market (12% per year).
High Growth Earnings: ACA's earnings are forecast to grow, but not significantly.
Revenue vs Market: ACA's revenue (3.6% per year) is forecast to grow faster than the French market (3.5% per year).
High Growth Revenue: ACA's revenue (3.6% 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 (6.5%).
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 (22.7%) are higher than last year (21.1%).
Past Earnings Growth Analysis
Earnings Trend: ACA's earnings have grown by 16.8% per year over the past 5 years.
Accelerating Growth: ACA's earnings growth over the past year (8.5%) is below its 5-year average (16.8% per year).
Earnings vs Industry: ACA earnings growth over the past year (8.5%) exceeded the Banks industry 2.8%.
Return on Equity
High ROE: ACA's Return on Equity (7.8%) 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
Inventory Level: ACA has a low level of unsold assets or inventory.
Debt Coverage by Assets: ACA's debt is covered by short term assets (assets are 1.8x debt).
Financial Institutions Analysis
Asset Level: ACA's level of assets compared to its equity is very high.
Allowance for Bad Loans: ACA has a low allowance for bad loans.
Low Risk Liabilities: ACA's liabilities are made up of primarily higher risk sources of funding.
Loan Level: ACA has an acceptable proportion of non-loan assets held.
Low Risk Deposits: ACA's loans are broadly funded by customer deposits.
Level of Bad Loans: ACA has a high level of bad loans (2.72%)
What is Crédit Agricole's current dividend yield, its reliability and sustainability?
Current Dividend Yield
Upcoming Dividend Payment
Dividend Yield vs Market
Notable Dividend: ACA's dividend (11.63%) is higher than the bottom 25% of dividend payers in the French market (2.04%).
High Dividend: ACA's dividend (11.63%) is in the top 25% of dividend payers in the French market (6.46%)
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 reasonably low payout ratio (46.8%), ACA's dividend payments are well covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: ACA's dividends in 3 years are forecast to be well covered by earnings (49.7% payout ratio).
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Philippe Brassac (60yo)
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. Mr. Brassac serves as the Chie ...
CEO Compensation Analysis
Compensation vs Market: Philippe's total compensation ($USD2.39M) is below average for companies of similar size in the French market ($USD4.09M).
Compensation vs Earnings: Philippe's compensation has been consistent with company performance over the past year.
|Chief Executive Officer||4.92yrs||€2.21m||no data|
|Deputy Chief Executive Officer||7.75yrs||€1.31m||0.00063% €109.4k|
|Deputy GM & CFO||5.25yrs||no data||no data|
|Deputy GM||no data||no data||no data|
|Head of Investor Relations||1.25yrs||no data||no data|
|Head of Investors Relations||no data||no data||no data|
|Head of Legal Affairs||4.42yrs||no data||no data|
|Group Head of Compliance||no data||no data||no data|
|Head of Group Communications||9.25yrs||no data||no data|
|Group Head of Human Resources||4.08yrs||no data||no data|
Experienced Management: ACA's management team is considered experienced (4.9 years average tenure).
|Chairman of the Crcam Touraine & Poitou and Director of the Fnca||no data||€42.50k||no data|
|Independent Director||10.92yrs||€64.68k||0.000040% €6.9k|
|Chairman of the Board||4.42yrs||€560.00k||0.00015% €26.0k|
|Independent Director||7.92yrs||€123.62k||0.000070% €12.2k|
|Chairman & Director of the CRCAM Toulouse et Midi Toulousain||no data||€19.80k||no data|
|Non-Voting Director||1.5yrs||€8.40k||no data|
|Deputy Chairman||no data||€45.01k||0.00017% €29.5k|
|Independent Director||9.92yrs||€52.32k||0.000020% €3.5k|
|Independent Director||2.92yrs||€124.00k||no data|
Experienced Board: ACA's board of directors are considered experienced (7.9 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
- Industry: Diversified Banks
- Sector: Banks
- Market Cap: €17.357b
- 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|
Crédit Agricole S.A. operates as a central financial institution in France, Italy, other European Union countries, Other European countries, North America, Central and South America, Africa and the Middle East, the Asia Pacific, and Japan. It operates through Asset Gathering, French Retail Banking - LCL; International Retail Banking; Specialised Financial Services, and Large Customers segments. The Asset Gathering segment provides life and personal, property and casualty, creditor, and group insurance services; savings solutions for retail clients and investment solutions for institutionals; and wealth management services. The French Retail Banking – LCL segment offers retail banking services for individual customers and small businesses; and private and corporate banking services. The International Retail Banking segment provides retail banking services. The Specialised Financial Services segment offers factoring, and consumer and lease finance services. The Large Customers segment provides corporate banking and structured finance services; custody and fund administration services; and investment banking services comprising mergers and acquisitions consulting, and primary equity advisory services, as well as engages in the capital market activities. The company is based in Montrouge, France. Crédit Agricole S.A. is a subsidiary of SAS Rue La Boétie.
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2020/04/03 21:22|
|End of Day Share Price||2020/04/03 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.