Crédit Agricole S.A.

CRARF • Banks - Regional

$21.60

▲ +0.17 (+0.79%)

Current price

EarningsLatest report: Jun 30, 2026

BALANCED PROFILENeutralConfidence: 70%

Quantitative profile — not an investment recommendation.

Quantitative profile — not an investment recommendation.Methodology

Analysis thesis: Mixed profile. The company is not automatically unattractive, but valuation, growth, or balance-sheet evidence does not yet justify a stronger signal.

Market Cap

$65.34B

Growth

1.3%

Cash Flow

3/5

Trend

Mostly stable

Evidence

Positive revenue growth · 40.4%Positive free cash flow · 13.33Reasonable earnings multiple · 8.92High debt level · 4.03Weak liquidity · 0.52

Financial data as of: Jun 30, 2026, 12:00 AM UTCLast earnings update: Jun 30, 2026, 12:00 AM UTCLast profile update: Aug 5, 2026, 2:27 PM UTC

Company Snapshot

Key valuation, quality, financial strength, momentum and analyst data.

Price$21.60

Change0.79%

Shares Out3.02B

Market Cap$65.34B

52W Range18.10 - 22.16

Beta0.81

P/E7.08

P/S6.79

P/B0.60

P/FCF0.00

EV/Sales29.29

EV/EBITDA75.67

Price$21.60

Change0.79%

Shares Out3.02B

Market Cap$65.34B

52W Range18.10 - 22.16

Beta0.81

P/E7.08

P/S6.79

P/B0.60

P/FCF0.00

EV/Sales29.29

EV/EBITDA75.67

EV/FCF0.00

Earnings Yield14.13%

FCF Yield0.00%

Dividend Yield0.00%

Gross Margin27.00%

Oper. Margin10.70%

Profit Margin7.27%

Debt/Eq4.03

Current Ratio0.52

Quick Ratio0.52

Revenue 5Y1.28%

Volume1.00K

Avg Volume479.00

EPS Surprise0.19

Investment DNA

How strong this company looks for long-term investors

out of 100

Business Quality

Margins, moat, returns

46/100

Financial Strength

Debt, cash, stability

20/100

Growth Potential

Revenue and expansion

95/100

Price Attractiveness

Cheap or expensive today

94/100

Why this score▼

Positive revenue growth · 40.4%Positive free cash flow · 13.33Reasonable earnings multiple · 8.92High debt level · 4.03Weak liquidity · 0.52

Analyst view

Analyst sentiment and price target

CRARF

Analyst sentiment

Based on 1 analyst votes · 2026-09-05

100/100

Bullish

Hold

Bearish

Company Overview

IPO: 1/17/2012

Industry: Banks - Regional

P/B i: 0.60

Debt / Equity i: 4.03

Operating Margin: 10.70%

Net Margin: 7.27%

ROE i: -

ROIC: -

Financial Health

Score4 / 20

Debt / Equity: 4.03

Current Ratio: 0.52

Quick Ratio: 0.52

Status: HighRisk

Warnings

High debt level
Weak Liquidity
Weak quick ratio

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No insider activity

No recent insider transactions available.

About the Company

Crédit Agricole S.A.

Crédit Agricole S.A. operates as a leading global financial services provider, offering a comprehensive suite of retail, corporate, and investment banking solutions, in addition to a full range of insurance products. The institution structures its operations across several key divisions: Asset Gathering, Large Customers, Specialized Financial Services, French Retail Banking (known as LCL), and International Retail Banking. Its extensive offerings include a variety of banking services such as savings and checking accounts, diverse deposit options, various financial products, payment processing, and cash flow management. The company also supplies consumer finance products and other specialized financial services. For individuals, Crédit Agricole provides wealth management expertise, assisting clients in overseeing, safeguarding, and transferring their assets, alongside general asset management services. Insurance coverage spans savings and retirement plans, life and disability policies (including creditor and group schemes), and property and casualty protection. Furthermore, the firm delivers critical financing support for property and equipment acquisition and renewal, offers trade receivable management and funding solutions for businesses, finances renewable energy and public infrastructure projects, and provides leasing arrangements. Its sophisticated investment banking activities encompass structured finance, international trade finance, commercial banking, capital markets access, and syndication services. Crédit Agricole also furnishes extensive asset servicing for investment products across multiple asset classes, detailing services such as execution, clearing, foreign exchange, securities lending and borrowing, custody, depositary banking, fund administration, middle-office outsourcing, fund distribution support, and issuer services. Crédit Agricole S.A. serves a broad clientele, including individual consumers, corporations, financial institutions, governmental bodies, and municipal authorities. Established in 1894, the company's main offices are situated in Montrouge, France, and it functions as a subsidiary under SAS Rue La Boétie.

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Peers

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Size reflects market cap · color matches the chart line

1Y peer performance

Top performers + selected company

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Earnings Surprises

Period	Estimate	Actual	Surprise
2023-02-09	0.3213	0.514	0.1927
2022-11-10	0.368	0.3884	0.0204
2022-08-04	0.4177	0.611	0.1933
2022-05-05	0.1372	0.2216	0.0844
2022-02-10	0.4323	0.523	0.0907
2021-11-10	0.4929	0.4929	0
2021-08-05	0.4365	0.613	0.1765
2021-05-07	0.2055	0.3385	0.133
2021-02-11	0.2909	0.3758	0.0849
2020-08-06	0.2601	0.4256	0.1655
2017-08-03	0.3667	0.4495	0.0828
2017-05-11	0.2397	0.2942	0.0545