Crédit Agricole S.A. provides retail, corporate, insurance, and investment banking products and services worldwide.
Crédit Agricole Competitors
Price History & Performance
|Historical stock prices|
|Current Share Price||€11.66|
|52 Week High||€6.51|
|52 Week Low||€13.49|
|1 Month Change||-0.60%|
|3 Month Change||-1.17%|
|1 Year Change||44.02%|
|3 Year Change||-10.21%|
|5 Year Change||31.35%|
|Change since IPO||-33.49%|
Recent News & Updates
|ACA||FR Banks||FR Market|
Return vs Industry: ACA underperformed the French Banks industry which returned 50.9% over the past year.
Return vs Market: ACA exceeded the French Market which returned 32.8% over the past year.
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.
About the Company
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; International Retail Banking; Specialised Financial Services; and Large Customers. The company offers banking products and services, including savings and current accounts and deposits, finance, payments, and flow management services; consumer finance products; and banking and specialized financial services.
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 (€11.66) is trading below our estimate of fair value (€14.83)
Significantly Below Fair Value: ACA is trading below fair value by more than 20%.
Price To Earnings Ratio
PE vs Industry: ACA is poor value based on its PE Ratio (9x) compared to the French Banks industry average (7.4x).
PE vs Market: ACA is good value based on its PE Ratio (9x) compared to the French market (21.2x).
Price to Earnings Growth Ratio
PEG Ratio: ACA is poor value based on its PEG Ratio (7.8x)
Price to Book Ratio
PB vs Industry: ACA is overvalued based on its PB Ratio (0.5x) 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 19 analysts?
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: ACA's forecast earnings growth (1.2% per year) is above the savings rate (0.4%).
Earnings vs Market: ACA's earnings (1.2% per year) are forecast to grow slower than the French market (12.2% per year).
High Growth Earnings: ACA's earnings are forecast to grow, but not significantly.
Revenue vs Market: ACA's revenue (3.7% per year) is forecast to grow slower than the French market (6.2% per year).
High Growth Revenue: ACA's revenue (3.7% 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 (20.1%) are lower than last year (21.5%).
Past Earnings Growth Analysis
Earnings Trend: ACA's earnings have grown by 9.9% per year over the past 5 years.
Accelerating Growth: ACA's earnings growth over the past year (1.8%) is below its 5-year average (9.9% per year).
Earnings vs Industry: ACA earnings growth over the past year (1.8%) underperformed the Banks industry 49.3%.
Return on Equity
High ROE: ACA's Return on Equity (6.9%) 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 (27.8x) is very high.
Allowance for Bad Loans: ACA has a low allowance for bad loans (74%).
Low Risk Liabilities: 53% 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 (49%) 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 (6.86%) is higher than the bottom 25% of dividend payers in the French market (1.27%).
High Dividend: ACA's dividend (6.86%) is in the top 25% of dividend payers in the French market (3.88%)
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 (58.4%), 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 covered by earnings (57% payout ratio).
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Philippe Brassac (62 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 ($USD2.88M) is about average for companies of similar size in the French market ($USD3.29M).
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 (6.3 years average tenure).
Experienced Board: ACA's board of directors are considered experienced (5.1 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 been diluted in the past year, with total shares outstanding growing by 6.7%.
Crédit Agricole S.A.'s 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: €35.869b
- Shares outstanding: 3.08b
- Website: https://www.credit-agricole.com
Number of Employees
- Crédit Agricole S.A.
- 12 place des Etats-Unis
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2021/09/18 17:32|
|End of Day Share Price||2021/09/17 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.