Credit Agricole (ACA) AI Stock Analysis

• Market Cap: €47.80B
• Dividend Yield: 6.93%
• Average Volume (3M): 4.63M
• Price to Earnings (P/E): 7.5
• Beta (1Y): 0.85
• Revenue Growth: 7.38%
• EPS Growth: 8.32%
• Country: FR
• Employees: 80,518
• Sector: Financial
• Sector Strength: 82
• Industry: Banks - Regional
• EPS (TTM): 0.56
• Shares Outstanding: 3,025,902,300
• 10 Day Avg. Volume: 3,679,606
• 30 Day Avg. Volume: 4,630,280
• PEG Ratio: -0.51
• Price to Book (P/B): 0.45
• Price to Sales (P/S): 0.00
• P/FCF Ratio: -59.36
• 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: €18.52
• Price Target Upside: 16.62% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 7

• Rating: 71 Outperform
• Price Target: €18.00 ▲(13.35%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

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 makes money through multiple revenue streams. Primarily, it earns income from interest on loans and mortgages provided to individual and corporate clients. The bank also generates significant revenue from fees and commissions related to its asset management, insurance, and investment banking services. Additionally, Credit Agricole has strategic partnerships and investments in various financial markets, which contribute to its earnings. Its cooperative structure also allows it to benefit from a stable customer base and lower funding costs, which enhances its profitability.

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: 15.88
• 50DMA: Negative
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• 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 15.88 is below the 20-day moving average (MA) of 15.92, below the 50-day MA of 15.99, and above the 200-day MA of 14.18, indicating a neutral trend. The MACD of 0.01 indicates Negative momentum. The RSI at 48.44 is Neutral, neither overbought nor oversold. The STOCH value of 68.77 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
ACA	71 Outperform	€47.80B	7.53	9.68%	6.93%	7.38%	8.32%
Sector *	67 Neutral	¥722.93B	10.85	7.44%	3.36%	7.82%	15.26%
0HB5		€84.58B	7.83	9.58%	6.40%	―	―
0AHI		€286.85M	―		3.42%	―	―
0GTI		€358.65M	―		4.86%	―	―
0J6Y		€34.21B	11.07	5.93%	2.24%	―	―
MLCFM		€756.36M	12.74		5.08%	―	―