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Credit Agricole SA (CRARY)
OTHER OTC:CRARY
Earnings Data
Report Date
Apr 30, 2026Before Open (Confirmed)
Period Ending
2026 (Q1)Consensus EPS Forecast
0.35Last Year’s EPS
0.32Same Quarter Last Year
Based on 0 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call highlighted robust full‑year commercial and financial performance — record revenues, strong client acquisition, insurance and asset management inflows, solid capital and liquidity metrics, and clear progress on strategic M&A and integration. Most Q4 weaknesses were driven by identifiable one‑offs (Banco BPM first consolidation accounting, Leasys/automotive headwinds, and specific provisions) which management framed as temporary or structural adjustments to support the medium‑term plan. Given the breadth of operational strengths and the management guidance that many negative items should normalize in 2026 while recurring contributions (e.g., Banco BPM) begin, the positives materially outweigh the negatives.Company Guidance
Strong Full-Year Net Income and Profitability
Crédit Agricole Group delivered robust full-year results with CASA net income group share of EUR 7.1 billion (stable vs prior year) and Group net income group share reported at EUR 8.8 billion. Return on tangible equity (ROTE) remained high at 13.5% (13.9% pro forma), supporting the 2028 financial trajectory.
Revenue Growth Across the Group
Revenues reached record levels in 2025 with Group revenues up 3.9% year‑on‑year and CASA revenues up 3.3%, driven by broad-based commercial activity and a rebound in net interest income in France.
Outstanding Commercial Momentum and Client Acquisition
Group added a record 2.1 million new customers in 2025. Retail banks' loan production rose ~15% year‑on‑year to EUR 140 billion. On-balance sheet and off-balance savings increased across markets, supporting cross-sell opportunities.
Insurance, Asset Management and Asset Gathering Strength
Insurance premium income set a record at ~EUR 52 billion, up 20% vs 2024; life insurance net inflows reached EUR 15.9 billion. Amundi net inflows rose to EUR 88 billion in 2025 (1.6x prior level). Asset management AUM hit a record EUR 2,380 billion.
CIB and Asset Servicing Performance
Corporate & Investment Banking delivered record revenues for Q4 and full-year 2025, benefiting from rates, repo and financing activities. Asset servicing saw higher AuC/AuM and completed ISB integration with 66% of synergies achieved and expected ~EUR 100 million net income contribution in 2026.
Capital and Liquidity Strength
CASA CET1 ratio at 11.8% (above 11% target) and Group CET1 at 17.4%, placing the Group among the better‑capitalized European banks. Liquidity reserves remained high at EUR 485 billion; 2025 funding executed comfortably (EUR 23.1 billion vs plan EUR 20 billion).
Dividend Increase and Commitment to Strategy
Proposed dividend of EUR 1.13 per share, up 3% year‑on‑year, while management reiterated confidence in 2026/2028 medium‑term plan and continued investments (digital, AI, tokenization, geographic expansion).
Disciplined M&A and Integration Progress
Targeted partnerships and acquisitions (Victory Capital, increased Banco BPM stake, Crelan partnership, CACEIS noncontrolling interest, ICG JV) strengthened presence in Europe, Asia and U.S. Historical analysis of acquisitions shows average ROI ~13% (above 10% threshold).
CRARY Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
CRARY Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Feb 04, 2026 | $11.07 | $10.72 | -3.18% |
Oct 30, 2025 | $9.49 | $8.95 | -5.61% |
Jul 31, 2025 | $9.42 | $9.24 | -1.86% |
Apr 30, 2025 | $9.44 | $9.01 | -4.53% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does Credit Agricole SA (CRARY) report earnings?
Credit Agricole SA (CRARY) is schdueled to report earning on Apr 30, 2026, Before Open (Confirmed).
What is Credit Agricole SA (CRARY) earnings time?
Credit Agricole SA (CRARY) earnings time is at Apr 30, 2026, Before Open (Confirmed).
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is CRARY EPS forecast?
CRARY EPS forecast for the fiscal quarter 2026 (Q1) is 0.35.