Credit Agricole (CRARY) AI Stock Analysis

• Market Cap: $61.70B
• Dividend Yield: 6.42%
• Average Volume (3M): 10.01K
• Price to Earnings (P/E): 8.1
• Beta (1Y): 0.29
• Revenue Growth: -3.47%
• EPS Growth: 15.46%
• Country: US
• Employees: 80,518
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.31
• Shares Outstanding: 6,051,804,700
• 10 Day Avg. Volume: 0
• 30 Day Avg. Volume: 10,014
• PEG Ratio: 0.68
• Price to Book (P/B): 0.53
• Price to Sales (P/S): 1.57
• P/FCF Ratio: -2.34
• Enterprise Value/Market Cap: 0.00
• Enterprise Value/Revenue: 0.00
• Enterprise Value/Gross Profit: 0.00
• Enterprise Value/Ebitda: 0.00
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 79 Outperform
• Price Target: $11.00 ▲(15.30% Upside)

Credit Agricole's strong financial performance and attractive valuation are the primary drivers of its score. The positive earnings call further supports the stock's outlook, despite some operational challenges. Technical indicators suggest stable momentum, contributing to the overall positive assessment.

Positive Factors

Strong Net Income Growth

The significant increase in net income indicates robust profitability and effective cost management, enhancing long-term financial stability.

High Liquidity and Solvency

High liquidity and strong solvency ratios ensure financial resilience, enabling the bank to withstand economic fluctuations and invest in growth opportunities.

Increase in Customer Base

A growing customer base expands revenue potential and market share, reinforcing the bank's competitive position in the retail banking sector.

Negative Factors

Increased Cost of Risk

Rising cost of risk can erode profitability and indicate potential asset quality issues, posing a challenge to maintaining stable earnings.

Challenges in Consumer Credit

Weakness in consumer credit can limit revenue growth and signal broader economic challenges, impacting the bank's retail segment performance.

Impact of Restructuring Costs

High restructuring costs can strain short-term financials, though expected savings may offset this in the long term, affecting near-term profitability.

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

Credit Agricole generates revenue through several key streams: interest income from loans provided to individuals and businesses, fees for financial services such as account management and transaction processing, and commissions from investment products and insurance. The bank also earns revenue through its asset management division, which generates fees based on the funds it manages. Additionally, strategic partnerships with various financial and non-financial institutions enhance its service offerings and broaden its customer base, contributing to overall earnings.

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	3.71B	74.47B	68.33B	37.61B	33.07B	29.73B
Gross Profit	3.71B	25.33B	23.45B	20.65B	21.40B	18.02B
EBITDA	11.29B	11.87B	10.70B	8.97B	9.25B	5.73B
Net Income	7.57B	7.09B	6.35B	5.31B	5.84B	2.69B
Balance Sheet
Total Assets	2.31T	2.31T	2.19T	2.14T	2.07T	1.96T
Cash, Cash Equivalents and Short-Term Investments	584.68B	829.24B	598.93B	654.92B	640.85B	561.87B
Total Debt	313.40B	315.58B	280.25B	239.90B	161.82B	188.36B
Total Liabilities	2.23T	2.23T	2.11T	2.06T	2.00T	1.89T
Stockholders Equity	75.53B	74.71B	71.09B	66.52B	68.22B	65.22B
Cash Flow
Free Cash Flow	0.00	-16.98B	-37.40B	-495.00M	10.05B	56.54B
Operating Cash Flow	0.00	-15.91B	-36.51B	594.00M	10.93B	57.29B
Investing Cash Flow	0.00	-1.78B	9.85B	-5.06B	-838.00M	-3.23B
Financing Cash Flow	0.00	9.45B	16.55B	1.57B	-1.70B	7.68B

Credit Agricole Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 9.54
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Negative
• STOCH: Negative

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 9.54 is below the 20-day moving average (MA) of 9.78, above the 50-day MA of 9.54, and above the 200-day MA of 9.32, indicating a bullish trend. The MACD of 0.21 indicates Negative momentum. The RSI at 70.28 is Negative, neither overbought nor oversold. The STOCH value of 99.07 is Negative, 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	79 Outperform	$61.70B	8.07	10.47%	6.42%	-3.47%	15.46%
USB	76 Outperform	$83.54B	12.30	11.69%	3.77%	2.91%	33.77%
LYG	71 Outperform	$75.44B	17.13	7.85%	3.29%	-20.94%	-18.71%
PNC	71 Outperform	$82.47B	13.57	11.31%	3.14%	1.79%	30.93%
ITUB	69 Neutral	$72.02B	9.71	19.90%	9.77%	11.82%	3.41%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
MFG	64 Neutral	$90.22B	13.30	9.14%	2.37%	-2.84%	25.48%

Credit Agricole Corporate Events

Crédit Agricole SA Reports Strong Q3 2025 Results

Crédit Agricole SA, a prominent player in the banking sector, offers a wide range of financial services including retail banking, corporate and investment banking, and asset management. Known for its cooperative banking model, it operates extensively across Europe and has a strong focus on supporting the energy transition.