Crédit Agricole S.A.

Crédit Agricole S.A.

CRARY
Crédit Agricole S.A.US flagOther OTC
10.19
USD
+0.12
- -
61.65BMarket Cap
Crédit Agricole S.A.
CRARY
(Other OTC)

Recent

price

10.19

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
4.14
3.84
3.3
3.04
2.95
3.14
2.96
3.13
3.27
3.33
3.12
3.58
3.45
3.87
4.2
4.34
4.07
Revenue per Share
0.36
-0.29
-1.24
0.49
0.44
0.65
0.62
0.62
0.77
0.84
0.47
0.98
0.89
1.05
1.18
1.17
1.22
Basic EPS, GAAP
-2.49
0.54
3.76
2.16
-3.22
-1.2
-3.99
4.84
4.37
1.19
9.93
1.83
0.24
-6.02
-2.64
3.14
- -
Free Cash Flow per Basic Share
0.21
0.05
0.64
0.05
0.12
0.3
0.18
0.27
0.43
0.46
- -
0.51
0.54
0.57
0.85
0.58
- -
Dividend per Share
6.3
1.19
0.21
1.94
1.91
2.11
2.12
5.15
5.5
5.61
5.37
5.74
5.84
6.15
6.3
6.43
6.04
Book Value per Share
6.47
5.91
5.92
6.4
7.83
8.18
8.65
7.78
8.36
9.12
9.64
9.7
9.49
10.04
10.55
10.91
10.73
Tangible Book Value per Share
4,860
5,057
5,143
5,158
5,276
5,419
5,684
5,906
5,707
5,747
5,771
5,980
5,978
6,062
6,030
6,054
6,054
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
45,096
50,622
48,332

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
0.25
- -
0.27
- -
1.18
2025
0.27
0.39
0.17
- -
1.17
2026
0.26
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
0.85
2025
- -
- -
- -
- -
0.58
2026
- -
- -
- -
- -
- -
Business
Crédit Agricole S.A. operates as the listed listed company of the Crédit Agricole Group, Europe's leading cooperative bancassurer and one of the world's largest banking groups by assets, providing a comprehensive range of retail banking, corporate and investment banking, asset management, insurance, consumer finance, leasing, and factoring services worldwide. Crédit Agricole S.A., founded in 1894 as part of the regional mutual banks and headquartered in Montrouge, France, coordinates the group's international and specialized activities through subsidiaries including Crédit Agricole Corporate and Investment Bank (CIB), which offers capital markets, investment banking, structured financing, commercial banking, and international trade solutions with a focus on climate finance; Crédit Agricole Assurances, delivering savings and retirement, life, death and disability, creditor, group, property, and casualty insurance products; Amundi, providing asset management including ETFs, retirement solutions, and private assets; CACEIS, a leading European asset servicing platform; LCL, regional retail banking in France; Crédit Agricole Consumer Finance (including Sofinco), specializing in personal loans and mobility financing; and Indosuez Wealth Management for private banking; as well as leasing and factoring via CA Leasing & Factoring, payment services, real estate via Crédit Agricole Immobilier, and agrifood investment through IDIA Capital Investissement. The company serves individuals, professionals, SMEs, farmers, corporates, financial institutions, and local authorities across more than 40 countries, with strong positions in France, Italy, Europe, the United States, Asia, and Latin America through direct operations, joint ventures, and brands like Agos in Italy and Crelan partnerships in Belgium. Recent developments include the completion of the acquisition of Santander's 30.5% stake in CACEIS in July 2025, bringing ownership to 100% and strengthening asset servicing capabilities while maintaining a Latin American joint venture; the finalization of a strategic partnership with Crelan Bank in October 2025, acquiring a 9.9% stake and enabling collaborations in asset management via Amundi, private banking via Indosuez, and leasing; the unveiling of the ACT 2028 medium-term strategic plan in November 2025 targeting 60 million group customers, €3.5 trillion in savings, over €30 billion in revenues with nearly 60% from international operations, acceleration in asset management (ETFs, Asia, private assets with Amundi-ICG and Victory Capital synergies), corporate and investment banking (Europe, US, Asia expansion, sustainable finance), and wealth management, alongside one million new high-net-worth, professional, SME, and farmer clients; and recent acquisitions such as Banque Thaler in Switzerland, Merca Leasing in Germany, Petit-fils and Comwatt in France, Wealth Dynamix full integration by Indosuez in 2025, increased stake in Italy's Banco BPM, and ongoing integrations of RBC Investor Services Europe and Degroof Petercam yielding synergies.

Company News

APIChatGPT
  • Credit Agricole Raises Stake in Italy's Banco BPM to 29.3%

  • Credit Agricole tells Rome it plans to raise its Banco BPM stake to near 30%, sources say

  • Crédit Agricole Financement de l'Habitat SFH : EARLY REPURCHASE OF ISIN FR001400JM17

  • Crédit Agricole Assurances has successfully priced 750 million euros of perpetual super subordinated “Restricted Tier 1” notes with an initial fixed annual interest rate of 5.875% under its newly established EMTN programme

  • CREDIT AGRICOLE SA: 2026 Capital increase reserved for employees of the Crédit Agricole Group

  • CREDIT AGRICOLE S.A.: ANNUAL GENERAL MEETING OF CRÉDIT AGRICOLE S.A.

  • Correction: Crédit Agricole Ille-et-Vilaine :Informations au titre du pilier 3 au 31/12/2025

  • Crédit Agricole Ille-et-Vilaine :Descriptif du programme de rachat de ses propres certificats coopératifs d'investissement 2026

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

  • CREDIT AGRICOLE SA: LCL and Crédit Agricole Assurances finalise the acquisition of Milleis Group and strengthen their wealth management strategy

  • Crédit Agricole Ille-et-Vilaine :Bilan semestriel du contrat de liquidité au 30/12/2025

  • Crédit Agricole Assurances: Record quarter marked by climate events

  • CREDIT AGRICOLE S.A. ANNOUNCES REDEMPTION OF its outstanding GBP Undated Deeply Subordinated Additional Tier 1 Fixed Rate Resettable Notes issued in June 2021 (ISIN: Rule 144A: XS2353100402 and Regulation S: XS2353099638)

  • Credit Agricole's Q1 profit undershoots as Iran war uncertainty lifts provisions

  • CREDIT AGRICOLE SA: First quarter 2026 results - ROBUST RESULTS DESPITE MARKET TURBULENCE

  • CREDIT AGRICOLE SA: ORDINARY AND EXTRAORDINARY GENERAL MEETING OF CRÉDIT AGRICOLE S.A. OF 20 MAY 2026

  • Crédit Agricole Assurances : Availability of Credit Agricole Assurances Group's Solvency and Financial Condition Report for the financial year 2025

  • CREDIT AGRICOLE S.A. ANNOUNCES REDEMPTION OF SGD 325,000,000 Subordinated Fixed Rate Resettable Notes issued on April 30, 2019 (ISIN: XS1989533184)

  • CREDIT AGRICOLE SA: Availability of Crédit Agricole S.A.'s 2025 Universal Registration Document and Annual Financial Report

  • French bank Credit Agricole agrees to buy Ukraine's Bank Lviv