Want to see FR:ACA full AI Analyst Report?
Top Page
Credit Agricole
(ACA)
Select Model
Select Model
Rating:65Neutral
Price Target:
€21.00
▲(13.51% Upside)
Action:Reiterated
Date:08/06/26
The score is driven by a mixed financial profile—profitability and ROE are steady, but rising leverage and historically volatile cash flow add risk and cap the rating. Offsetting this, valuation is compelling (low P/E and high dividend yield) and technicals are supportive with an established uptrend, though overbought signals temper the technical score.
Positive Factors
Diversified business model
Crédit Agricole’s multi-line franchise (retail banking, corporate & investment banking, insurance, asset management, consumer finance and leasing) creates durable revenue diversity and cross-sell scale across client segments, reducing reliance on any single cyclical income stream.
Negative Factors
Rising leverage
Material increase in leverage elevates sensitivity to higher funding costs, market dislocations and asset-quality deterioration. Elevated debt levels constrain balance-sheet flexibility and amplify earnings volatility from credit losses or repricing, weakening long-term resilience.
Read all positive and negative factors
Positive Factors
Negative Factors
Diversified business model
Crédit Agricole’s multi-line franchise (retail banking, corporate & investment banking, insurance, asset management, consumer finance and leasing) creates durable revenue diversity and cross-sell scale across client segments, reducing reliance on any single cyclical income stream.
Read all positive factors
Credit Agricole (ACA) vs. iShares MSCI France ETF (EWQ)
Market Cap
€58.30B
Dividend Yield5.86%
Average Volume (3M)4.12M
Price to Earnings (P/E)9.5
Beta (1Y)0.94
Revenue Growth-37.48%
EPS Growth-10.42%
CountryFR
Employees79,848
SectorGeneral
Sector StrengthN/A
IndustryBanks - Regional
Share Statistics
EPS (TTM)2.17
Shares Outstanding3,025,902,300
10 Day Avg. Volume4,992,432
30 Day Avg. Volume4,119,195
Financial Highlights & Ratios
PEG Ratio2.43
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
€20.08Price Target Upside8.54% Upside
Rating ConsensusHold
Number of Analyst Covering6
EPS Forecast (FY)2.26
Revenue Forecast (FY)€28.28B
Credit Agricole Business Overview & Revenue Model
Company Description
Crédit Agricole S.A. is a global financial institution offering a comprehensive suite of services, encompassing retail and corporate banking, insurance, and investment solutions. Its operations are structured across several key divisions: Asset Ga...
How the Company Makes Money
Crédit Agricole S.A. makes money primarily by generating income from banking intermediation, fees/commissions, insurance premiums, and asset-management-related revenues. (1) Net interest income: The group earns interest on loans (e.g., mortgages, ...
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
18.50
Price Trends
17.60
Positive
16.69
Positive
16.39
Positive
Market Momentum
0.51
Negative
72.43
Negative
77.58
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 18.5 is above the 20-day moving average (MA) of 18.32, above the 50-day MA of 17.60, and above the 200-day MA of 16.39, indicating a bullish trend. The MACD of 0.51 indicates Negative momentum. The RSI at 72.43 is Negative, neither overbought nor oversold. The STOCH value of 77.58 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 |
|---|---|---|---|---|---|---|---|
70 Outperform | €121.14B | 9.16 | 11.06% | 4.87% | 1.42% | 27.31% | |
67 Neutral | €52.57B | 8.43 | 10.90% | 2.09% | 8.58% | 20.72% | |
65 Neutral | €58.30B | 9.54 | 10.37% | 6.10% | -37.48% | -10.42% | |
58 Neutral | €944.29M | 12.71 | 2.70% | 2.14% | -34.99% | 22.54% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
* General Sector Average
FR:ACA
Credit Agricole
19.36
4.02
26.23%
FR:BNP
BNP Paribas
112.12
37.46
50.17%
FR:CAF
CRCAM dlle-de France
118.48
33.05
38.68%
FR:CRBP2
Caisse Regionale de Credit Agricole Mutuel Brie Picardie
36.68
13.14
55.86%
FR:GLE
Societe Generale
83.80
28.58
51.75%
FR:MLCFM
CFM Indosuez Wealth SA
1,330.00
-41.09
-3.00%
Credit Agricole Corporate Events
Crédit Agricole’s Employee Share Offer Draws Strong Demand Ahead of Buyback
Aug 6, 2026
Crédit Agricole S.A. is a major French banking group with extensive retail, corporate, and investment banking operations, as well as asset management services for individual, business, and institutional clients. It has a strong domestic base ...
Crédit Agricole Updates Share Capital and Voting Rights Structure
Aug 5, 2026
Crédit Agricole S.A. has reported updated figures on its share capital and voting rights as of July 31, 2026, in line with French commercial and market regulations. The bank states it has 3,025,902,350 shares outstanding, all contributing to ...
Credit Agricole Delivers Strong Q2 Results and Accelerates AI-Driven Strategy
Jul 31, 2026
Credit Agricole reported a strong second quarter of 2026, with revenues rising across all business lines, tighter cost control and high profitability reflected in a double‑digit return on tangible equity and robust solvency ratios. Retail ba...
Crédit Agricole Sets Final Size of Senior Preferred Note Issue at €195.5 Million
Jul 22, 2026
Crédit Agricole S.A. has announced the final size of a new senior preferred note issuance, a fixed-rate instrument paying quarterly interest and maturing between July 2026 and July 2028. The notes carry a nominal value of one euro each and ar...
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.