Crédit Agricole S.A.

Crédit Agricole S.A.

CRARF
Crédit Agricole S.A.US flagOther OTC
19.42
USD
-0.40
- -
58.75BMarket Cap
Crédit Agricole S.A.
CRARF
(Other OTC)

Recent

price

19.42

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
46,186
50,230
45,353

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
- -
- -
- -
- -
- -
Business
Crédit Agricole S.A. delivers a comprehensive array of banking, insurance, and financial products globally, operating through a diversified organizational structure. The institution provides services spanning across asset management, offerings for large institutional clients, specialized financial solutions, domestic retail banking in France via LCL, and extensive international retail banking operations. Clients can access a broad spectrum of services, including savings accounts, current accounts, various deposit options, financing products, and sophisticated payment and cash management facilities. The company also extends consumer credit products and specialized financial services. In wealth management, Crédit Agricole assists individuals with managing, safeguarding, and transferring their assets, alongside offering general asset management services through its Amundi subsidiary. Its insurance arm, Crédit Agricole Assurances, covers areas such as savings, retirement, life, disability, creditor, group, and property and casualty insurance products. For business and public sector clients, the company delivers financing for property, equipment investment, and renewal, alongside trade receivable financing and management solutions. It is also significantly involved in providing financial services for renewable energy and public infrastructure initiatives, as well as leasing solutions. Furthermore, its corporate and investment banking division offers expertise in structured finance, international trade finance, commercial banking, capital markets, syndication services, and asset servicing for a multitude of investment products and asset classes, including execution, clearing, foreign exchange, securities lending, custody, depositary banking, fund administration, middle-office outsourcing, and fund distribution support. Crédit Agricole caters to a wide customer base, encompassing individual consumers, corporate entities, financial institutions, governmental bodies, and local authorities. Founded in 1894, Crédit Agricole S.A. maintains its headquarters in Montrouge, France, and functions as a subsidiary of SAS Rue La Boétie. The group recently unveiled its "ACT 2028" strategic plan in November 2025, aiming for 60 million customers, approximately 60% of revenues from international operations, and a cost/income ratio below 55% by 2028. This plan also targets a net income exceeding €8.5 billion and a Return on Tangible Equity (ROTE) above 14% by the same year. The strategy emphasizes expansion in key European markets like Italy and Germany, including the creation of Crédit Agricole Deutschland and a new digital savings platform. The institution's unique value proposition is rooted in its cooperative, universal banking model, with a commitment to societal impact and a focus on human-centric digital innovation, positioning it as a leading financial partner for the French economy and a significant player in the European financial landscape. The company had already surpassed its previous "Ambitions 2025" financial targets a year ahead of schedule, demonstrating robust performance across its business segments by 2024.

Company News

APIChatGPT
  • Crédit Agricole S.A. (CRARY) Q1 2026 Earnings Call Transcript

  • 24 Safer Buys From 10 Years Of Dogcatcher Digging

  • ECB fines Crédit Agricole over non-compliance on climate-related risk

  • Crédit Agricole S.A. (CRARY) Q4 2025 Earnings Call Transcript

  • Crédit Agricole S.A. Launches Tender Offers for Perpetual Notes

  • Crédit Agricole S.A. (CRARF) Q2 2025 Earnings Call Transcript

  • Crédit Agricole S.A. (CRARF) Q1 2025 Earnings Call Transcript

  • Crédit Agricole S.A. (CRARF) Q4 2024 Earnings Call Transcript

  • Crédit Agricole S.A. (CRARF) Q3 2024 Earnings Call Transcript

  • Crédit Agricole S.A. (CRARF) Q2 2024 Earnings Call Transcript

  • Crédit Agricole S.A. (CRARF) Q4 2023 Earnings Call Transcript

  • Credit Agricole S.A. (CRARF) Q3 2023 Earnings Call Transcript

  • Credit Agricole SA (CRARF) Q2 2023 Earnings Call Transcript

  • Credit Agricole SA (CRARF) Q1 2023 Earnings Call Transcript

  • Rout in banking shares picks up pace as jitters resurface

  • Crédit Agricole S.A. (CRARF) Q4 2022 Earnings Call Transcript

  • Credit Agricole And Its Italian Optionality: Part 2