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Crédit Agricole S.A.

Crédit Agricole S.A.

ACA.PA
Crédit Agricole S.A.undefined flagEuronext Paris
17.85
EUR
+0.13
- -
53.99BMarket Cap
Crédit Agricole S.A.
ACA.PA
(Euronext Paris)

Recent

price

17.85

P/E

ratio

- -

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
8.28
7.68
6.61
6.07
5.91
6.28
5.93
6.26
6.55
6.66
6.24
7.16
6.91
7.74
8.4
8.68
8.15
Revenue per Share
0.72
-0.58
-2.48
0.97
0.89
1.3
1.25
1.24
1.54
1.69
0.93
1.95
1.78
2.09
2.35
2.34
2.44
Basic EPS, GAAP
-4.97
1.08
7.52
4.32
-6.45
-2.39
-7.99
9.68
8.74
2.38
19.86
3.66
0.49
-12.05
-5.28
6.28
- -
Free Cash Flow per Basic Share
0.42
0.11
1.29
0.11
0.23
0.6
0.36
0.54
0.86
0.93
- -
1.03
1.08
1.14
1.71
1.16
- -
Dividend per Share
12.59
2.38
0.43
3.88
3.82
4.22
4.25
10.29
11.01
11.21
10.75
11.48
11.68
12.29
12.6
12.86
12.08
Book Value per Share
12.94
11.82
11.84
12.79
15.65
16.35
17.3
15.57
16.73
18.24
19.28
19.4
18.97
20.07
21.11
21.82
21.46
Tangible Book Value per Share
2,430
2,528
2,571
2,579
2,638
2,710
2,842
2,953
2,854
2,873
2,885
2,990
2,989
3,031
3,015
3,027
3,027
Basic Weighted Avg Shares
20,129
19,415
16,986
15,657
15,584
17,013
16,840
18,495
18,690
19,123
18,015
21,397
20,646
23,454
25,328
26,261
24,660
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
3,278
737
779
679
646
667
706
786
759
1,048
1,143
1,172
1,104
1,151
1,245
1,343
- -
Depreciation Expense
1,752
-1,470
-6,389
2,510
2,344
3,516
3,540
3,649
4,400
4,844
2,692
5,844
5,306
6,348
7,087
7,074
7,391
Net Income, GAAP
33.63
- -
- -
3.35
14.53
23.56
20.76
29.21
22.57
7.66
24.61
15.3
22.94
23.05
23.26
22.58
22.45
Effective Tax Rate (%)
8.7
-7.57
-37.61
16.03
15.04
20.67
21.02
19.73
23.54
25.33
14.94
27.31
25.7
27.07
27.98
26.94
29.97
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
208,823
182,102
192,567
222,160
226,118
212,701
214,084
214,586
207,235
224,211
188,356
199,324
239,899
280,246
315,576
312,979
313,401
LT Debt
52,149
49,292
45,669
47,883
56,161
59,435
63,937
63,565
65,516
70,843
73,495
76,916
75,480
79,919
83,311
85,864
84,510
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
9.06
-8.03
-179.24
45.14
23.34
32.7
30.11
17.18
14.24
15.23
8.52
17.88
15.32
17.59
18.84
18.4
20.78
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Dec'24
Mar'25
Jun'25
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
3,025
3,025
3,025
Market Capitalization
45,432
50,780
48,644

Working Capital

FRC

•

in mil. unless spec.
Dec'24
Mar'25
Jun'25
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
581,472
164,300
584,680
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
3.79%
3.19%
3.06%
Free Cash Flow
-236.24%
-607.83%
-219.5%
Net Income, GAAP
12.9%
27.8%
-0.18%
Sales/Revenue/Turnover
4.69%
8.11%
3.68%
Total Cash Common Dividend
- -
8.92%
-31.45%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
6,800
5,975
6,483
5,234
25,328
2025
6,936
6,007
4,691
- -
26,261
2026
6,991
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.5
- -
0.55
- -
2.35
2025
0.54
0.79
0.34
- -
2.34
2026
0.52
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
1.71
2025
- -
- -
- -
- -
1.16
2026
- -
- -
- -
- -
- -
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Business
Crédit Agricole S.A. Crédit Agricole S.A. is a leading French banking group and listed vehicle of the Crédit Agricole cooperative network that provides a broad range of retail banking, corporate and investment banking, insurance, asset management, and specialized financial services to individuals, farmers, small businesses, large corporates, and institutional clients across Europe and internationally. Crédit Agricole S.A. offers deposit-taking and lending services including mortgages, consumer loans, auto financing, leasing, and factoring; savings and retirement products; life, property, casualty, death, disability, and creditor insurance; asset management through Amundi; wealth management via Indosuez; corporate financing, structured finance, capital markets, and investment banking solutions through Crédit Agricole Corporate and Investment Bank; and asset servicing via CACEIS. The company operates in 46 countries with 54 million customers, headquartered in Montrouge, France, originating from the 1894-founded Crédit Agricole mutual network. Recent developments include the unveiling of its medium-term strategic plan ACT 2028 in November 2025 targeting a return on tangible equity above 14%, accelerated expansion in Europe via Crédit Agricole Deutschland and digital savings platforms aiming for over €40 billion in non-French assets by 2028, completion of a strategic partnership with Crelan in October 2025 entailing a 9.9% stake acquisition and collaborations in asset management, private banking, and leasing, finalization of the acquisition of Santander's 30.5% stake in CACEIS in July 2025 strengthening its asset servicing leadership, Indosuez Wealth Management's full acquisition of Wealth Dynamix client lifecycle management technology in 2025 following a 2023 majority stake purchase, and Amundi's launch of its 2025-2028 plan for €150 billion in net inflows through partnerships and joint venture expansions.