Crédit Agricole S.A. provides retail, corporate, insurance, and investment banking products and services worldwide.
Established dividend payer with acceptable track record.
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: 0HAI has not had significant price volatility in the past 3 months.
7 Day Return
1 Year Return
Return vs Industry: 0HAI exceeded the UK Banks industry which returned -8.4% over the past year.
Return vs Market: 0HAI exceeded the UK Market which returned 6.6% 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
No news available
Is Crédit Agricole undervalued compared to its fair value and its price relative to the market?
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Below Fair Value: 0HAI (€13.17) is trading above our estimate of fair value (€12.54)
Significantly Below Fair Value: 0HAI is trading above our estimate of fair value.
Price To Earnings Ratio
PE vs Industry: 0HAI is good value based on its PE Ratio (8.8x) compared to the Banks industry average (9.1x).
PE vs Market: 0HAI is good value based on its PE Ratio (8.8x) compared to the UK market (18.6x).
Price to Earnings Growth Ratio
PEG Ratio: 0HAI is poor value based on its PEG Ratio (3.4x)
Price to Book Ratio
PB vs Industry: 0HAI is overvalued based on its PB Ratio (0.6x) compared to the GB Banks industry average (0.6x).
How is Crédit Agricole forecast to perform in the next 1 to 3 years based on estimates from 14 analysts?
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: 0HAI's forecast earnings growth (2.6% per year) is above the savings rate (0.5%).
Earnings vs Market: 0HAI's earnings (2.6% per year) are forecast to grow slower than the UK market (13.1% per year).
High Growth Earnings: 0HAI's earnings are forecast to grow, but not significantly.
Revenue vs Market: 0HAI's revenue (4.8% per year) is forecast to grow faster than the UK market (3.5% per year).
High Growth Revenue: 0HAI's revenue (4.8% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: 0HAI's Return on Equity is forecast to be low in 3 years time (7.9%).
How has Crédit Agricole performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: 0HAI has high quality earnings.
Growing Profit Margin: 0HAI's current net profit margins (22.7%) are higher than last year (21.1%).
Past Earnings Growth Analysis
Earnings Trend: 0HAI's earnings have grown by 16.8% per year over the past 5 years.
Accelerating Growth: 0HAI's earnings growth over the past year (8.5%) is below its 5-year average (16.8% per year).
Earnings vs Industry: 0HAI earnings growth over the past year (8.5%) underperformed the Banks industry 28.3%.
Return on Equity
High ROE: 0HAI's Return on Equity (8%) is considered low.
Return on Assets
Return on Capital Employed
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: 0HAI has a low level of unsold assets or inventory.
Debt Coverage by Assets: 0HAI's debt is covered by short term assets (assets are 2.2x debt).
Financial Institutions Analysis
Asset Level: 0HAI's level of assets compared to its equity is very high.
Allowance for Bad Loans: 0HAI has a low allowance for bad loans.
Low Risk Liabilities: 0HAI's liabilities are made up of primarily higher risk sources of funding.
Loan Level: 0HAI has an acceptable proportion of non-loan assets held.
Low Risk Deposits: 0HAI has advanced significantly more loans than the customer deposits it holds.
Level of Bad Loans: 0HAI has an appropriate level of bad loans (1.61%)
What is Crédit Agricole's current dividend yield, its reliability and sustainability?
Current Dividend Yield
Dividend Yield vs Market
Current dividend yield vs market & industry
Notable Dividend: 0HAI's dividend (5.32%) is higher than the bottom 25% of dividend payers in the UK market (1.81%).
High Dividend: 0HAI's dividend (5.32%) is in the top 25% of dividend payers in the UK market (5.12%)
Stability and Growth of Payments
Stable Dividend: 0HAI's dividend payments have been volatile in the past 10 years.
Growing Dividend: 0HAI's dividend payments have increased over the past 10 years.
Current Payout to Shareholders
Dividend Coverage: With its reasonably low payout ratio (46.8%), 0HAI's dividend payments are well covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: 0HAI's dividends in 3 years are forecast to be well covered by earnings (49.3% 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 ($USD2.39M) is below average for companies of similar size in the UK market ($USD4.67M).
Compensation vs Earnings: Philippe's compensation has been consistent with company performance over the past year.
|Chief Executive Officer||4.8yrs||€2.21m||no data|
|Deputy Chief Executive Officer||7.6yrs||€1.31m||0.00063% €242.3k|
|Deputy GM||5.1yrs||no data||no data|
|Deputy GM||0yrs||no data||no data|
|Head of Investor Relations||1.1yrs||no data||no data|
|Head of Investors Relations||0yrs||no data||no data|
|Head of Legal Affairs||4.3yrs||no data||no data|
|Group Head of Compliance||0yrs||no data||no data|
|Head of Group Communications||9.1yrs||no data||no data|
|Head of Marketing & Communication||0yrs||no data||no data|
Experienced Management: 0HAI's management team is considered experienced (4.9 years average tenure).
|Chairman of the Crcam Touraine & Poitou and Director of the Fnca||0yrs||€42.50k||no data|
|Independent Director||10.8yrs||€64.68k||0.000040% €15.4k|
|Chairman of the Board||4.3yrs||€560.00k||0.00015% €57.7k|
|Independent Director||7.8yrs||€123.62k||0.000070% €26.9k|
|Chairman & Director of the CRCAM Toulouse et Midi Toulousain||0yrs||€19.80k||no data|
|Non-Voting Director||1.3yrs||€8.40k||no data|
|Deputy Chairman||0yrs||€45.01k||0.00017% €65.4k|
|Independent Director||9.8yrs||€52.32k||0.000020% €7.7k|
|Independent Director||2.8yrs||€124.00k||no data|
Experienced Board: 0HAI's board of directors are considered experienced (7.8 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: 0HAI
- Exchange: LSE
- Industry: Diversified Banks
- Sector: Banks
- Market Cap: €38.462b
- Shares outstanding: 2.88b
- Website: https://www.credit-agricole.com
Number of Employees
- Crédit Agricole S.A.
- 50 Avenue Jean Jaurès
|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|
|CRAR.Y||OTCPK (Pink Sheets LLC)||ADR||US||USD||Oct 2008|
|XCAU||BST (Boerse-Stuttgart)||ADR||DE||EUR||Oct 2008|
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 payment instruments, loans, and saving products; savings/retirement, death and disability/creditor/group, and property and casualty insurance products; and expertise and investment solutions for active, passive, real estate, and alternative asset management. It also provides wealth management services that allow individual customers to manage, protect, and transfer their assets; and consumer finance and flow management services. In addition, the company offers financing solutions for property and equipment investment and renewal requirements; trade receivable financing and management solutions for corporates; and financing services for renewable energy and public infrastructure projects, as well as leasing services. Further, it provides investment banking, structured finance, international trade finance, commercial banking, capital market, and syndication services; and asset servicing solutions for investment products, as well as various asset classes, such as execution, clearing, custody, fund administration, middle-office, forex, security lending and borrowing, and fund distribution support and services to issuers. Crédit Agricole S.A. serves retail and corporate customers, banks and financial institutions, government agencies, and local authorities. The company is headquartered in Montrouge, France. Crédit Agricole S.A. operates as a subsidiary of SAS Rue La Boétie.
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2020/02/20 21:09|
|End of Day Share Price||2020/02/20 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.