Credit Agricole (ACA) AI Stock Analysis

• Market Cap: €49.44B
• Dividend Yield: 6.67%
• Average Volume (3M): 4.37M
• Price to Earnings (P/E): 7.0
• Beta (1Y): 0.94
• Revenue Growth: -3.99%
• EPS Growth: 14.76%
• Country: FR
• Employees: 80,518
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.74
• Shares Outstanding: 3,048,788,600
• 10 Day Avg. Volume: 4,509,096
• 30 Day Avg. Volume: 4,366,769
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): N/A
• P/FCF Ratio: N/A
• 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: €18.37
• Price Target Upside: 11.40% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 6

• Rating: 65 Neutral
• Price Target: €17.50 ▲(6.12% Upside)

Credit Agricole's overall stock score is driven by a strong valuation due to a low P/E ratio and high dividend yield, making it attractive for value and income investors. Financial performance is solid but tempered by liquidity concerns from negative cash flow. Technical indicators suggest a neutral to slightly bearish trend, which may limit short-term upside potential.

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 a diverse range of financial services. The primary revenue streams include interest income from loans provided to customers, fees from various banking services (such as account maintenance, transactions, and financial advisory), and commissions from insurance and asset management services. Additionally, the investment banking division contributes significantly to earnings through underwriting fees, trading profits, and advisory services for mergers and acquisitions. The cooperative structure also allows Credit Agricole to benefit from a strong local presence, enhancing customer loyalty and driving growth in retail banking. Partnerships with other financial entities and participation in capital markets further bolster its revenue potential.

Credit Agricole Financial Statement Overview

Summary

Credit Agricole shows strong revenue growth and a robust equity position, but negative free cash flow indicates potential liquidity issues. Missing debt and EBIT/EBITDA data limit a comprehensive evaluation.

Income Statement

Credit Agricole demonstrates strong revenue growth and net profit margins. Revenue grew by 8.0% from 2022 to 2023, and net income has shown consistent growth over the years, reaching €7.09 billion in 2023. However, the EBIT and EBITDA figures are missing for 2024, which limits the analysis of operational efficiency.

Balance Sheet

The bank maintains a strong equity position with a significant stockholders' equity of €74.71 billion as of 2024, and a substantial amount of cash and short-term investments at €581.47 billion. The equity ratio is stable, but the lack of total debt data for 2024 prevents a precise assessment of the debt-to-equity ratio. The company's balance sheet is robust, but the missing debt data introduces some uncertainty.

Cash Flow

Credit Agricole shows negative free cash flow of €-16.98 billion in 2024, signaling potential cash management challenges. The operating cash flow to net income ratio is negative, indicating that operating activities are not generating sufficient cash flows. This situation could pose liquidity risks if not addressed.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	18.00B	25.33B	23.45B	21.95B	21.40B	18.06B
Gross Profit	17.57B	25.33B	84.09B	21.95B	21.40B	18.06B
EBITDA	13.28B	11.87B	10.50B	8.97B	8.88B	5.32B
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	759.17B	654.92B	640.85B	561.87B
Total Debt	313.40B	315.58B	493.26B	237.73B	199.32B	188.36B
Total Liabilities	2.23T	2.23T	2.11T	2.06T	2.00T	188.36B
Stockholders Equity	75.53B	74.71B	71.09B	60.53B	68.22B	65.22B
Cash Flow
Free Cash Flow	51.95B	-16.98B	-37.40B	-495.00M	10.05B	56.54B
Operating Cash Flow	53.40B	-15.91B	-36.51B	1.46B	10.93B	57.29B
Investing Cash Flow	-54.79B	-1.78B	9.85B	-5.04B	-838.00M	-3.23B
Financing Cash Flow	4.36B	9.45B	16.55B	598.00M	-1.70B	7.68B

Credit Agricole Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 16.49
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Negative

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 16.49 is above the 20-day moving average (MA) of 16.20, above the 50-day MA of 16.24, and above the 200-day MA of 15.01, indicating a bullish trend. The MACD of -0.09 indicates Negative momentum. The RSI at 56.58 is Neutral, neither overbought nor oversold. The STOCH value of 95.21 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for FR:ACA.

Credit Agricole Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
Sector *	68 Neutral	$18.10B	11.52	9.93%	3.73%	9.70%	1.14%
ACA	65 Neutral	€49.44B	7.00	10.82%	6.67%	-3.99%	14.76%
0HB5	―	€88.29B	8.29	9.50%	―	―	―
0AHI	―	€371.23M	―		―	―	―
0GTI	―	€437.01M	―		―	―	―
0J6Y	―	€38.47B	8.82	7.47%	―	―	―
MLCFM	―	€716.25M	12.07		6.24%	―	―