Credit Agricole (ACA) AI Stock Analysis

• Market Cap: €55.26B
• Dividend Yield: 6.26%
• Average Volume (3M): 4.12M
• Price to Earnings (P/E): 7.8
• Beta (1Y): 0.91
• Revenue Growth: -3.99%
• EPS Growth: 14.76%
• Country: FR
• Employees: 80,518
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.53
• Shares Outstanding: 3,025,902,300
• 10 Day Avg. Volume: 4,992,432
• 30 Day Avg. Volume: 4,119,195
• PEG Ratio: 0.65
• Price to Book (P/B): 0.54
• Price to Sales (P/S): 0.54
• P/FCF Ratio: -2.36
• 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: €18.92
• Price Target Upside: 3.54% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 6
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 65 Neutral
• Price Target: €19.50 ▲(6.73% Upside)

Credit Agricole's strong valuation metrics and solid financial performance are offset by liquidity concerns and neutral technical indicators. The stock appears undervalued, but potential cash flow issues warrant caution.

Positive Factors

Strong Equity Position

A strong equity position enhances financial stability and provides a buffer against economic downturns, supporting long-term growth.

Revenue Growth

Consistent revenue and net income growth indicate robust business operations and effective market strategies, ensuring sustainable expansion.

Diverse Revenue Streams

Diverse revenue sources reduce dependency on any single income stream, enhancing resilience against market fluctuations and economic cycles.

Negative Factors

Negative Free Cash Flow

Negative free cash flow may strain liquidity and limit the company's ability to invest in growth opportunities or manage debt effectively.

Liquidity Challenges

Inadequate operating cash flow can hinder the company's ability to meet short-term obligations, posing a risk to financial stability.

Missing Debt Data

Incomplete debt data introduces uncertainty in assessing financial leverage, potentially obscuring risk levels and affecting strategic planning.

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 primarily through interest income from loans, fees from banking services, and investment returns. Key revenue streams include retail banking activities, where it earns interest from personal loans, mortgages, and credit products, as well as fees from account maintenance, transaction services, and financial advisory services. Additionally, the bank earns income from its asset management and insurance divisions, where it manages investments and provides insurance products to clients. Strategic partnerships with other financial institutions and businesses also enhance its service offerings and contribute to its profitability, allowing Credit Agricole to leverage synergies and expand its client base.

Credit Agricole Financial Statement Overview

Summary

Credit Agricole shows strong revenue growth and a solid equity position, but faces liquidity challenges due to negative free cash flow. Missing debt and EBIT/EBITDA data limit a full assessment.

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	3.71B	74.47B	68.33B	37.61B	33.07B	29.73B
Gross Profit	3.71B	25.33B	23.45B	20.65B	21.40B	18.02B
EBITDA	11.29B	11.87B	10.70B	8.97B	9.25B	5.73B
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	581.47B	598.93B	654.92B	640.85B	698.25B
Total Debt	313.40B	315.58B	280.25B	239.90B	199.32B	188.36B
Total Liabilities	2.23T	2.23T	2.11T	2.06T	2.00T	1.89T
Stockholders Equity	75.53B	74.71B	71.09B	66.52B	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: 18.27
• 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 18.27 is above the 20-day moving average (MA) of 17.66, above the 50-day MA of 17.25, and above the 200-day MA of 16.45, indicating a bullish trend. The MACD of 0.21 indicates Negative momentum. The RSI at 67.10 is Neutral, neither overbought nor oversold. The STOCH value of 87.48 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
BNP	77 Outperform	€100.74B	9.56	9.50%	9.16%	-6.55%	14.18%
GLE	76 Outperform	€48.90B	11.39	7.47%	2.49%	-14.11%	180.83%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
ACA	65 Neutral	€55.26B	7.77	10.82%	6.26%	-3.99%	14.76%