Credit Agricole (FR:ACA)
:ACA
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Credit Agricole
(ACA)
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Select Model
Rating:60Neutral
Price Target:
€16.50
▼(-3.40% Downside)
Action:ReiteratedDate:02/06/26
The score is held back primarily by higher leverage and cash-flow volatility, despite continued profitability and strong revenue growth. Technicals are moderately supportive with a positive longer-term trend but neutral near-term momentum. Valuation is a key positive, with a low P/E and high dividend yield.
Positive Factors
Diversified business model
Crédit Agricole's broad mix across retail, insurance, asset management and CIB reduces reliance on any single revenue stream. This structural diversification smooths earnings across cycles, supports cross‑selling, and preserves franchise value over the next 2–6 months.
Negative Factors
Elevated leverage
Leverage rising to ~7.47x materially increases sensitivity to funding cost spikes and asset‑quality deterioration. Structurally higher debt reduces balance‑sheet flexibility, raises refinancing and regulatory risk, and could force capital or liquidity actions if macro conditions worsen.
Read all positive and negative factors
Positive Factors
Negative Factors
Diversified business model
Crédit Agricole's broad mix across retail, insurance, asset management and CIB reduces reliance on any single revenue stream. This structural diversification smooths earnings across cycles, supports cross‑selling, and preserves franchise value over the next 2–6 months.
Read all positive factors
Credit Agricole (ACA) vs. iShares MSCI France ETF (EWQ)
Market Cap
€51.95B
Dividend Yield6.26%
Average Volume (3M)4.12M
Price to Earnings (P/E)7.5
Beta (1Y)1.00
Revenue Growth-3.99%
EPS Growth14.76%
CountryFR
Employees80,518
SectorGeneral
Sector StrengthN/A
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.30
Shares Outstanding3,025,902,300
10 Day Avg. Volume4,992,432
30 Day Avg. Volume4,119,195
Financial Highlights & Ratios
PEG Ratio2.26
Price to Book (P/B)0.76
Price to Sales (P/S)0.47
P/FCF Ratio2.97
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
€19.77Price Target Upside15.75% Upside
Rating ConsensusHold
Number of Analyst Covering6
EPS Forecast (FY)2.29
Revenue Forecast (FY)€28.29B
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 Internationa...
How the Company Makes Money
Crédit Agricole makes money primarily by earning interest income, collecting fees and commissions for financial services, and generating income from insurance, asset management, and corporate/investment banking activities. In retail banking, it ea...
Credit Agricole Financial Statement Overview
Summary
Income Statement
66
Positive
Balance Sheet
48
Neutral
Cash Flow
39
Negative
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 112.32B | 104.97B | 97.73B | 45.58B | 63.21B |
| Gross Profit | 70.33B | 54.25B | 51.26B | 26.71B | 49.91B |
| EBITDA | 11.68B | 11.15B | 10.05B | 8.22B | 8.42B |
| Net Income | 7.07B | 7.09B | 6.35B | 5.31B | 5.84B |
Balance Sheet | |||||
| Total Assets | 2.37T | 2.31T | 2.19T | 2.14T | 2.07T |
| Cash, Cash Equivalents and Short-Term Investments | 563.87B | 560.73B | 499.82B | 480.82B | 487.28B |
| Total Debt | 519.23B | 644.05B | 606.71B | 615.40B | 562.55B |
| Total Liabilities | 2.30T | 2.23T | 2.12T | 2.07T | 2.00T |
| Stockholders Equity | 69.52B | 67.49B | 63.87B | 60.53B | 63.33B |
Cash Flow | |||||
| Free Cash Flow | 17.90B | -28.99B | -56.56B | 421.00M | 10.05B |
| Operating Cash Flow | 19.01B | -27.15B | -54.83B | 1.46B | 10.93B |
| Investing Cash Flow | -4.40B | -2.76B | 8.66B | -5.04B | -838.00M |
| Financing Cash Flow | -4.49B | 11.62B | 17.19B | 598.00M | -1.70B |
Credit Agricole Technical Analysis
Positive
17.08
Price Trends
17.35
Negative
17.27
Negative
16.79
Positive
Market Momentum
-0.06
Negative
54.84
Neutral
75.04
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For FR:ACA, the sentiment is Positive. The current price of 17.08 is above the 20-day moving average (MA) of 16.42, below the 50-day MA of 17.35, and above the 200-day MA of 16.79, indicating a neutral trend. The MACD of -0.06 indicates Negative momentum. The RSI at 54.84 is Neutral, neither overbought nor oversold. The STOCH value of 75.04 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for FR:ACA.
Credit Agricole Peers Comparison
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
68 Neutral | €99.78B | 7.40 | 9.43% | 9.16% | -6.55% | 14.18% | |
60 Neutral | €51.95B | 7.51 | 10.82% | 6.26% | -3.99% | 14.76% | |
57 Neutral | €888.19M | 8.94 | 2.58% | 2.14% | ― | ― | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% | |
54 Neutral | €46.22B | 9.82 | 9.61% | 2.49% | -14.11% | 180.83% |
* General Sector Average
FR:ACA
Credit Agricole
17.37
2.29
15.21%
FR:BNP
BNP Paribas
91.11
26.98
42.07%
FR:CAF
CRCAM dlle-de France
108.62
47.44
77.53%
FR:CRBP2
Caisse Regionale de Credit Agricole Mutuel Brie Picardie
28.30
8.42
42.35%
FR:GLE
Societe Generale
72.43
33.51
86.09%
FR:MLCFM
CFM Indosuez Wealth SA
1,300.00
219.00
20.26%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.