Crédit Agricole S.A.

BIT:1ACA Stock Report

Market Cap: €39.9b

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 32.5% 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 24.8%.

Key information

12.5%

Earnings growth rate

11.2%

EPS growth rate

Banks Industry Growth21.4%
Revenue growth rate6.3%
Return on equity9.8%
Net Margin24.8%
Next Earnings Update05 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

BIT:1ACA Revenue, expenses and earnings (EUR Millions)
DateRevenueEarningsG+A ExpensesR&D Expenses
30 Sep 2424,3546,0371,2420
30 Jun 2424,2876,1301,2420
31 Mar 2424,1466,3281,2420
31 Dec 2323,4875,8931,2420
30 Sep 2323,3326,3601,1670
30 Jun 2322,3115,8241,1670
31 Mar 2321,4675,4081,1670
31 Dec 2220,7604,7731,1670
30 Sep 2220,5344,4111,2130
30 Jun 2220,8374,6451,2130
31 Mar 2220,9604,9971,2130
31 Dec 2121,0305,4861,2130
30 Sep 2120,7044,2651,2120
30 Jun 2119,9863,9941,2120
31 Mar 2118,4992,9961,2120
31 Dec 2017,9692,5401,2120
30 Sep 2018,0124,0011,0980
30 Jun 2018,1613,9211,0980
31 Mar 2018,8994,1541,0980
31 Dec 1918,9504,2951,0980
30 Sep 1918,7343,5738180
30 Jun 1918,6233,6278180
31 Mar 1918,7793,8568180
31 Dec 1818,7443,9608180
30 Sep 1818,3343,3658080
30 Jun 1818,0623,3308080
31 Mar 1817,4723,2128080
01 Jan 1817,2183,1758080
30 Sep 1717,1423,0257490
30 Jun 1716,1252,5447490
31 Mar 1716,0582,3697490
31 Dec 1615,1141,7637490
30 Sep 1615,1952,1647070
30 Jun 1615,2172,3527070
31 Mar 1614,9541,8337070
31 Dec 1515,4392,1057070
30 Sep 1514,6502,1353500
30 Jun 1514,7502,2623500
31 Mar 1514,1151,7436810
31 Dec 1413,6982,1286810
30 Sep 1413,4862,3101,0530
30 Jun 1413,2982,0561,0530
31 Mar 1413,4332,7417220
31 Dec 1312,8862,4547220

Quality Earnings: 1ACA has high quality earnings.

Growing Profit Margin: 1ACA's current net profit margins (24.8%) are lower than last year (27.3%).

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: 1ACA's earnings have grown by 12.5% per year over the past 5 years.

Accelerating Growth: 1ACA's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.

Earnings vs Industry: 1ACA had negative earnings growth (-5.1%) over the past year, making it difficult to compare to the Banks industry average (15%).

Return on Equity

High ROE: 1ACA's Return on Equity (9.8%) is considered low.

Return on Assets

Return on Capital Employed

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2024/12/18 02:01
End of Day Share Price 2024/12/18 00:00
Earnings2024/09/30
Annual Earnings2023/12/31

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.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* 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

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

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. 14 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Crescentini GiuseppeAbaxbank
Pierre-Yves GauthierAlphaValue
Benoit De BroissiaBanco BPI, S.A.