Credit Agricole SA

Credit Agricole SA

14.96
EUR
-0.26
(-1.71%)
2.68EPS
7.51P/E
52.75BMarket Cap
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
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
7.93
Basic EPS, GAAP
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
2.32
Free Cash Flow per Basic Share
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
- -
Dividend per Share
0.11
0.23
0.6
0.36
0.54
0.86
0.93
- -
1.03
1.08
1.14
1.71
1.16
- -
Book Value per Share
16.32
18.76
19.66
19.74
19.35
20.55
21.82
22.37
22.55
22
23.47
24.7
25.67
25.85
Tangible Book Value per Share
10.57
13.19
14.14
14.73
13.39
14.34
15.42
16.24
16.3
15.79
17.17
18.19
19.12
19.25
Basic Weighted Avg Shares
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
3,075
Sales/Revenue/Turnover
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
24,376
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
679
646
667
706
786
759
1,048
1,143
1,172
1,104
1,151
1,245
1,343
- -
Net Income, GAAP
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
7,140
Effective Tax Rate (%)
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
23.84
Profit Margin (%)
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
29.29
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
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
320,785
Total Equity
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
86,941
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
0.84
0.7
1.1
1.14
1.11
1.37
1.49
0.77
1.8
1.5
1.58
1.59
1.53
1.49
Return on Common Equity (%)
6.09
5.07
6.77
6.32
6.32
7.59
7.96
4.2
8.76
7.88
9.23
9.72
9.29
9.18

Capital Structure

EUR

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
3,026
3,025
3,025
Market Capitalization
52,871
48,395
52,749

Working Capital

EUR

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
579,758
160,000
560,941
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

EUR

•

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
- -
- -
-31.45%

Quarterly Revenue

EUR

•

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
6,687
- -
- -
- -

Quarterly Earnings Per Share

EUR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.5
0.6
0.55
0.56
2.35
2025
0.54
0.79
- -
0.34
2.34
2026
0.52
0.68
- -
- -
- -

Quarterly Dividends Per Share

EUR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
1.71
2025
- -
- -
- -
- -
1.16
2026
- -
- -
- -
- -
- -

Company Description

CEO
Olivier Gavalda
Full Time Employees
83,045
Sector
Finance
Industry
Regional banks
Address
12 place des Etats-Unis Montrouge IF France 92127
IPO Date
Dec 13, 2001
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.

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