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Credit Agricole (CRARY)
OTHER OTC:CRARY
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Credit Agricole (CRARY) Price & Analysis

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CRARY Stock Chart & Stats

$10.53
$0.16(1.54%)
At close: 4:00 PM EDT
$10.53
$0.16(1.54%)

Bulls Say, Bears Say

Bulls Say
Diversified Banking-and-insurance ModelCredit Agricole’s multi‑pillar business (retail, corporate & investment banking, asset management, insurance, specialised finance) creates durable revenue diversification and cross‑sell opportunities. This mix reduces reliance on any single cycle and supports recurring fee and net interest income over 2–6 months and beyond.
Strong Capital And Liquidity BuffersReported CET1 at 11.4% plus €475bn liquidity reserves and strong LCR/NSFR provide enduring capacity to absorb shocks, fund lending, and execute strategic initiatives. Robust buffers increase regulatory headroom and funding flexibility, supporting durable operations and M&A optionality over the medium term.
Sustained Commercial Traction And Asset GatheringLarge customer acquisition (600k new clients) and strong insurance/asset inflows drive recurring deposit growth, fee income and AUM expansion. Continued digital acquisition and product launches point to scalable, lower‑cost customer growth that should sustainably bolster revenues and cross‑sell over the coming quarters.
Bears Say
Rising Leverage And Debt TrajectoryA sharp increase in leverage to ~7.47x materially raises balance‑sheet risk for a bank: it reduces financial flexibility, amplifies capital sensitivity to market swings and potential credit losses, and may constrain dividend/M&A choices. The upward trend requires monitoring as it can persistently pressure resilience.
Volatile Cash Generation And FCFMulti‑year swings in operating cash flow and free cash flow undermine predictability of capital allocation, dividend sustainability and reinvestment. Variable cash conversion suggests timing or asset mix exposure; such instability can persistently complicate funding plans and reduce tolerance for shocks over the medium term.
Structural Exposure To SFS/mobility And Nat‑cat InsuranceMaterial sensitivity in Specialized Financial Services and mobility (residual value volatility, used‑car market) creates ongoing provisioning and earnings variability. Coupled with recurring weather/nat‑cat insurance claims, this structural exposure can produce multi‑quarter profit and capital strain and higher underwriting volatility.

Credit Agricole News

CRARY FAQ

What was Credit Agricole’s price range in the past 12 months?
Credit Agricole lowest stock price was $8.91 and its highest was $11.22 in the past 12 months.
    What is Credit Agricole’s market cap?
    Credit Agricole’s market cap is $67.24B.
      When is Credit Agricole’s upcoming earnings report date?
      Credit Agricole’s upcoming earnings report date is Oct 30, 2026 which is in 84 days.
        How were Credit Agricole’s earnings last quarter?
        Credit Agricole released its earnings results on Jul 31, 2026. The company reported $0.339 earnings per share for the quarter, missing the consensus estimate of $0.343 by -$0.004.
          Is Credit Agricole overvalued?
          According to Wall Street analysts Credit Agricole’s price is currently Overvalued. Get more investment ideas with TipRanks Premium
            Does Credit Agricole pay dividends?
            Credit Agricole pays a Annually dividend of $0.656 which represents an annual dividend yield of 6.32%. See more information on Credit Agricole dividends here
              What is Credit Agricole’s EPS estimate?
              Credit Agricole’s EPS estimate is 0.32.
                How many shares outstanding does Credit Agricole have?
                Credit Agricole has 6,051,804,700 shares outstanding.
                  What happened to Credit Agricole’s price movement after its last earnings report?
                  Credit Agricole reported an EPS of $0.339 in its last earnings report, missing expectations of $0.343. Following the earnings report the stock price went up 2.619%.
                    Which hedge fund is a major shareholder of Credit Agricole?
                    Currently, no hedge funds are holding shares in CRARY
                    What is the TipRanks Smart Score and how is it calculated?
                    Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology

                      Credit Agricole Stock Smart Score

                      Company Description

                      Credit Agricole

                      Crédit Agricole S.A. (CRARY) is a globally active financial institution, delivering an extensive array of banking, insurance, and investment services. Its operations are structured into several key segments: Asset Gathering, Large Customers, Specialised Financial Services, French Retail Banking (primarily through LCL), and International Retail Banking. The company provides a comprehensive suite of banking solutions, which includes the management of savings and current accounts, deposit services, various financing options, payment processing, and cash flow management. It also extends consumer lending products to its clientele. In the realm of wealth management, Crédit Agricole assists individuals with the administration, safeguarding, and transfer of their assets, alongside offering broader asset management services. Its insurance portfolio is diverse, covering savings and retirement plans, life and disability coverage (including for creditors and groups), as well as property and casualty policies. Furthermore, Crédit Agricole specializes in diverse financing activities. This encompasses funding for property and equipment upgrades, trade receivables management for corporate clients, and financing for green energy and public infrastructure projects. Leasing services are also a core part of its offerings. The firm's investment banking division is active in structured finance, international trade finance, commercial banking, capital markets, and syndication. It also provides extensive asset servicing solutions for various investment products and asset classes, including execution, clearing, foreign exchange, securities lending and borrowing, custody, depositary banking, fund administration, outsourced middle-office functions, fund distribution support, and issuer services. Crédit Agricole caters to a broad and diverse clientele, ranging from individual retail customers and corporations to banks, financial institutions, government bodies, and local municipalities. Established in 1894, Crédit Agricole S.A. is headquartered in Montrouge, France, and operates as a subsidiary of SAS Rue La Boétie.

                      Credit Agricole (CRARY) Earnings & Revenues

                      CRARY Company Deck

                      CRARY Earnings Call

                      Q2 2026
                      0:00 / 0:00
                      Earnings Call Sentiment|Positive
                      The call presents a predominantly positive operational and financial picture: strong revenue generation at the group level (record EUR 10bn), solid net income and profitability (ROTE 13.7%), robust liquidity and capital headroom, significant customer acquisition and digital progress, and tangible synergy realizations. Offsetting this are higher year‑on‑year cost of risk driven by prudent Stage 1/2 provisioning and overlays (including ~EUR 60m linked to the Middle East), notable weather/nat‑cat claims (>EUR 200m gross), and material near‑term headwinds in Specialized Financial Services and mobility (residual value and used‑car market pressures, ~EUR 30m impact). CET1 marginally declined due to organic growth, methodological effects and the Banco BPM stake increase. Overall, the positives (record revenues, strong client capture, efficiency gains, capital and liquidity comfort) outweigh the cyclical and event‑driven lowlights, though key business sensitivities (automotive remarketing, market volatility and geopolitical provisioning) warrant monitoring.View all CRARY earnings summaries
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                      Ownership Overview

                      <0.01%<0.01%99.99%
                      Insiders
                      <0.01% Other Institutional Investors
                      99.99% Public Companies and
                      Individual Investors
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