Credit Agricole (ACA) AI Stock Analysis

• Market Cap: €47.92B
• Dividend Yield: 6.91%
• Average Volume (3M): 3.74M
• Price to Earnings (P/E): 6.8
• Beta (1Y): 0.84
• Revenue Growth: 1.57%
• EPS Growth: 14.76%
• Country: FR
• Employees: 80,518
• Sector: Financial
• Sector Strength: 69
• Industry: Banks - Regional
• EPS (TTM): 0.74
• Shares Outstanding: 3,025,902,300
• 10 Day Avg. Volume: 4,289,032
• 30 Day Avg. Volume: 3,736,364
• PEG Ratio: N/A
• Price to Book (P/B): 0.00
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 0.00
• 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: €18.18
• Price Target Upside: 14.20% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 6

• Rating: 71 Outperform
• Price Target: €18.00 ▲(13.07%Upside)

Credit Agricole's stock is supported by strong valuation metrics, particularly its low P/E ratio and high dividend yield, which are key strengths. Technical indicators suggest positive momentum, but caution is advised due to potential liquidity risks highlighted in the financial performance analysis.

Credit Agricole Business Overview & Revenue Model

Company Description

Credit Agricole (ACA) is a leading French banking group, serving a broad client base including individuals, small and medium enterprises, and large corporations. Operating in various sectors such as retail banking, corporate and investment banking, asset management, and insurance, Credit Agricole offers a comprehensive range of financial products and services. These include savings accounts, loans, mortgages, investment products, and insurance solutions, catering to both domestic and international markets.

How the Company Makes Money

Credit Agricole primarily makes money through its diverse revenue streams within its banking and financial services operations. Key revenue sources include interest income from loans and mortgages, fee income from asset management and investment banking services, and premiums from its insurance products. The bank also earns from trading activities and commissions from its retail banking operations. Strategic partnerships and joint ventures, particularly in insurance and asset management sectors, enhance its capabilities and contribute to its earnings. Additionally, Credit Agricole benefits from its international presence, which allows it to tap into global markets and diversify its revenue base.

Credit Agricole Financial Statement Overview

Summary

Credit Agricole demonstrates strong revenue growth and a robust equity position, indicating good financial health. However, negative free cash flow and missing debt and operational efficiency data introduce uncertainties and potential liquidity risks.

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	62.37B	25.33B	23.45B	21.95B	21.40B	18.06B
Gross Profit	54.63B	25.33B	84.09B	21.95B	21.40B	18.06B
EBITDA	13.30B	11.87B	10.50B	8.97B	8.88B	5.32B
Net Income	8.34B	7.09B	6.35B	5.31B	5.84B	2.69B
Balance Sheet
Total Assets	2.23T	2.31T	2.19T	2.14T	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	199.32B	188.36B
Total Liabilities	2.15T	2.23T	2.11T	2.06T	2.00T	188.36B
Stockholders Equity	70.40B	74.71B	71.09B	60.53B	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	1.46B	10.93B	57.29B
Investing Cash Flow	-91.72B	-1.78B	9.85B	-5.04B	-838.00M	-3.23B
Financing Cash Flow	34.81B	9.45B	16.55B	598.00M	-1.70B	7.68B

Credit Agricole Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 15.92
• 50DMA: Negative
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For FR:ACA, the sentiment is Neutral. The current price of 15.92 is below the 20-day moving average (MA) of 16.12, below the 50-day MA of 16.05, and above the 200-day MA of 14.49, indicating a neutral trend. The MACD of 0.05 indicates Positive momentum. The RSI at 45.59 is Neutral, neither overbought nor oversold. The STOCH value of 49.94 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for FR:ACA.

Credit Agricole Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
BNP	77 Outperform	€86.44B	8.12	9.50%	6.26%	-6.55%	14.18%
GLE	73 Outperform	€37.20B	8.56	7.47%	2.02%	-6.46%	117.00%
ACA	71 Outperform	€47.92B	6.84	7.06%	6.91%	1.57%	14.76%
Sector *	66 Neutral	€20.06B	11.78	9.20%	5.17%	3.74%	-12.03%