Credit Agricole (CRARY) AI Stock Analysis

• Market Cap: $56.23B
• Dividend Yield: 6.43%
• Average Volume (3M): 7.21K
• Price to Earnings (P/E): 8.2
• Beta (1Y): 0.31
• Revenue Growth: 7.44%
• EPS Growth: 8.38%
• Country: US
• Employees: 80,518
• Sector: Financial
• Sector Strength: 82
• Industry: Banks - Regional
• EPS (TTM): 0.32
• Shares Outstanding: 6,051,804,700
• 10 Day Avg. Volume: 21,631
• 30 Day Avg. Volume: 7,210
• PEG Ratio: 0.04
• Price to Book (P/B): 0.23
• Price to Sales (P/S): 0.00
• P/FCF Ratio: -29.44
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

• Rating: 80 Outperform
• Price Target: ―

Credit Agricole's stock is robustly supported by strong financial performance in revenue growth and equity position, alongside an attractive valuation with low P/E and high dividend yield. Technical analysis indicates a positive trend, though caution is advised due to high stochastic levels. The earnings call provided a mixed view with record revenues but highlighted taxation and segmental challenges. Overall, the stock is appealing but requires monitoring of cash flow volatility and external financial impacts.

Credit Agricole Business Overview & Revenue Model

Company Description

Crédit Agricole S.A. provides retail, corporate, insurance, and investment banking products and services worldwide. It operates through Asset Gathering; Large Customers; Specialised Financial Services; French Retail Banking - LCL; and International Retail Banking. The company offers banking products and services, including savings and current accounts and deposits, finance, payments, and flow management services; consumer finance products; and banking and specialized financial services. It also provides wealth management services that allow individual customers to manage, protect, and transfer their assets, as well as other asset management services; and savings/retirement, death and disability/creditor/group, and property and casualty insurance products. In addition, the company offers financing solutions for property and equipment investment and renewal requirements; trade receivable financing and management solutions for corporates; and financing services for renewable energy and public infrastructure projects, as well as leasing services. Further, it provides investment banking, structured finance, international trade finance, commercial banking, capital market, and syndication services; and asset servicing solutions for investment products, as well as various asset classes, such as execution, clearing, forex, security lending and borrowing, custody, depositary bank, fund administration, middle-office outsourcing solutions, and fund distribution support and issuer services. The company serves retail customers, corporates, banks and financial institutions, government agencies, and local authorities. Crédit Agricole S.A. was founded in 1894 and is headquartered in Montrouge, France. Crédit Agricole S.A. operates as a subsidiary of SAS Rue La Boétie.

How the Company Makes Money

Crédit Agricole makes money through a diverse revenue model primarily driven by its extensive banking operations. The company generates income from interest on loans and deposits, fees for banking services, and commissions from asset management and insurance products. Crédit Agricole also earns significant revenue from its investment banking activities, which include underwriting, trading, and advisory services for corporate and institutional clients. Additionally, its insurance arm contributes to earnings through premiums collected from a range of life and non-life insurance products. The group's strategic partnerships and joint ventures further bolster its financial performance by expanding its service offerings and client base, thus enhancing its revenue streams.

Credit Agricole Financial Statement Overview

Summary

Credit Agricole demonstrates strong revenue growth and a robust equity position, supporting its financial stability. However, the volatility in cash flows and lack of EBIT data in the latest period pose challenges for a full financial assessment. The company's strategic focus appears to be on maintaining a strong capital base, potentially at the expense of leveraging opportunities.

Income Statement

Credit Agricole's revenue has shown consistent growth over the years, with a notable increase from €18.06 billion in 2020 to €25.33 billion in 2024. The net profit margin has strengthened, reflecting improved profitability. However, EBIT and EBITDA data for the latest year are missing, limiting a comprehensive analysis of operating efficiencies.

Balance Sheet

The company maintains a strong equity position with a high equity ratio consistently above 3%, signaling solid financial health. The absence of total debt in the latest year further strengthens its balance sheet stability, reducing leverage risks. However, this atypical structure for a bank may indicate potential underutilization of financial leverage.

Cash Flow

Credit Agricole's cash flow has experienced volatility, with operating cash flow swinging from positive to negative figures in recent years. The free cash flow has been negative in 2023 and 2024, which could be a concern if sustained. However, the bank has managed to maintain a positive cash flow trajectory in previous years, suggesting potential for recovery.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	61.96B	25.33B	23.45B	21.95B	21.40B	18.06B
Gross Profit	22.10B	25.33B	84.09B	21.95B	21.40B	18.06B
EBITDA	-943.00M	0.00	0.00	0.00	0.00	0.00
Net Income	8.34B	7.09B	6.35B	5.31B	5.84B	2.69B
Balance Sheet
Total Assets	2.23T	2.31T	2.19T	2.17T	2.07T	1.96T
Cash, Cash Equivalents and Short-Term Investments	609.74B	829.24B	759.17B	654.92B	640.85B	561.87B
Total Debt	300.24B	315.58B	493.26B	237.73B	199.33B	188.36B
Total Liabilities	2.15T	2.23T	2.11T	237.73B	199.33B	188.36B
Stockholders Equity	63.23B	74.71B	63.87B	64.63B	68.22B	65.22B
Cash Flow
Free Cash Flow	94.41B	-16.98B	-37.40B	-495.00M	10.05B	56.54B
Operating Cash Flow	95.34B	-15.91B	-36.51B	594.00M	10.93B	57.29B
Investing Cash Flow	-63.09B	-1.78B	9.85B	-5.06B	-838.00M	-3.23B
Financing Cash Flow	20.39B	9.45B	16.55B	1.57B	-1.70B	7.68B

Credit Agricole Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 9.37
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For CRARY, the sentiment is Positive. The current price of 9.37 is above the 20-day moving average (MA) of 9.26, above the 50-day MA of 9.25, and above the 200-day MA of 7.92, indicating a bullish trend. The MACD of 0.06 indicates Negative momentum. The RSI at 53.44 is Neutral, neither overbought nor oversold. The STOCH value of 64.57 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for CRARY.

Credit Agricole Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
CRARY	80 Outperform	$56.23B	8.20	9.79%	6.43%	7.44%	8.38%
PNC	76 Outperform	$77.63B	13.86	11.15%	3.26%	3.07%	19.01%
USB	75 Outperform	$74.44B	11.83	11.50%	4.18%	2.19%	34.00%
LYG	72 Outperform	$61.50B	12.80	8.73%	5.05%	-2.65%	-14.84%
TFC	70 Outperform	$59.14B	13.31	0.10%	4.61%	-27.31%	―
Sector *	67 Neutral	$16.89B	11.80	9.79%	3.77%	12.07%	-8.35%
MFG	65 Neutral	$67.61B	11.80	8.45%	2.36%	13.63%	27.77%