Stock ACA CRÉDIT AGRICOLE S.A.
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Financials Crédit Agricole S.A.

Equities

ACA

FR0000045072

Banks

Market Closed - Euronext Paris
Other stock markets
 16:35:19 26/04/2024 BST 		5-day change 1st Jan Change
14.56 EUR +0.55% Intraday chart for Crédit Agricole S.A. +3.71% +13.25%
04-25 Mowi Issues New Green Bonds Worth NOK3.5 Billion MT
04-22 Reway Group buys remaining 30 percent of Gema for EUR27 million AN

Valuation

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Capitalization 1 37,260 29,742 37,777 29,717 39,220 44,022 - -
Enterprise Value (EV) 1 37,260 29,742 37,777 29,717 39,220 44,022 44,022 44,022
P/E ratio 8.73 x 12.8 x 6.82 x 5.85 x 6.62 x 7.87 x 7.53 x 7.19 x
Yield 5.42% 3% 8.37% 10.7% 8.17% 6.57% 6.8% 7.13%
Capitalization / Revenue 1.85 x 1.45 x 1.67 x 1.25 x 1.56 x 1.7 x 1.65 x 1.6 x
EV / Revenue 1.85 x 1.45 x 1.67 x 1.25 x 1.56 x 1.7 x 1.65 x 1.6 x
EV / EBITDA - - - - - - - -
EV / FCF - - - - - - - -
FCF Yield - - - - - - - -
Price to Book 0.71 x 0.54 x 0.65 x 0.5 x 0.63 x 0.67 x 0.64 x 0.62 x
Nbr of stocks (in thousands) 2,882,824 2,882,000 3,010,151 3,022,816 3,051,657 3,024,542 - -
Reference price 2 12.92 10.32 12.55 9.831 12.85 14.56 14.56 14.56
Announcement Date 14/02/20 10/02/21 10/02/22 09/02/23 08/02/24 - - -
1EUR in Million2EUR
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Net sales 1 20,153 20,500 22,657 23,801 25,180 25,856 26,699 27,467
EBITDA - - - - - - - -
EBIT 1 7,594 7,959 9,047 9,222 11,039 11,246 11,687 12,033
Operating Margin 37.68% 38.82% 39.93% 38.75% 43.84% 43.49% 43.77% 43.81%
Earnings before Tax (EBT) 1 5,952 4,588 8,080 7,862 9,546 9,317 9,768 10,134
Net income 1 4,844 2,692 5,844 5,437 6,348 5,695 5,948 6,179
Net margin 24.04% 13.13% 25.79% 22.84% 25.21% 22.03% 22.28% 22.5%
EPS 2 1.480 0.8040 1.840 1.680 1.940 1.850 1.934 2.023
Free Cash Flow - - - - - - - -
FCF margin - - - - - - - -
FCF Conversion (EBITDA) - - - - - - - -
FCF Conversion (Net income) - - - - - - - -
Dividend per Share 2 0.7000 0.3100 1.050 1.050 1.050 0.9565 0.9890 1.038
Announcement Date 14/02/20 10/02/21 10/02/22 09/02/23 08/02/24 - - -
1EUR in Million2EUR
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: December 2021 Q3 2021 Q4 2022 Q1 2022 Q2 2022 Q3 2022 Q4 2023 Q1 2023 Q2 2023 Q3 2023 Q4 2024 Q1 2024 Q2 2024 Q3 2024 Q4
Net sales 1 5,531 5,815 5,938 6,330 5,564 5,969 6,121 6,676 6,343 6,040 6,573 6,472 6,368 6,363
EBITDA - - - - - - - - - - - - - -
EBIT 1 2,272 2,356 1,784 2,869 2,161 2,408 2,280 3,461 2,967 2,330 2,763 - - -
Operating Margin 41.08% 40.52% 30.04% 45.32% 38.84% 40.34% 37.25% 51.84% 46.78% 38.58% 42.04% - - -
Earnings before Tax (EBT) 1 2,101 1,640 1,148 2,770 1,909 2,035 1,996 2,983 2,630 1,937 2,341 - - -
Net income 1 1,402 1,428 552 1,976 1,352 1,557 1,226 2,040 1,748 1,334 1,478 - - -
Net margin 25.35% 24.56% 9.3% 31.22% 24.3% 26.08% 20.03% 30.56% 27.56% 22.09% 22.48% - - -
EPS 2 0.4300 0.4600 0.1400 0.6300 0.4100 0.4900 0.3600 0.6400 0.5300 0.3600 0.5119 0.5013 0.4592 0.4042
Dividend per Share 2 - - - - - 1.050 - - - 1.050 - - - 0.9653
Announcement Date 10/11/21 10/02/22 05/05/22 04/08/22 10/11/22 09/02/23 10/05/23 04/08/23 08/11/23 08/02/24 - - - -
1EUR in Million2EUR
Estimates

Balance Sheet Analysis

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Net Debt - - - - - - - -
Net Cash position - - - - - - - -
Leverage (Debt/EBITDA) - - - - - - - -
Free Cash Flow - - - - - - - -
ROE (net income / shareholders' equity) 7.96% 6.01% 8.09% 8.19% 9.23% 8.46% 8.54% 8.58%
ROA (Net income/ Total Assets) 0.29% 0.21% 0.29% 0.26% 0.29% 0.26% 0.25% 0.26%
Assets 1 1,670,345 1,303,632 2,015,172 2,120,515 2,163,599 2,224,789 2,379,135 2,423,162
Book Value Per Share 2 18.30 19.00 19.20 19.50 20.40 21.70 22.70 23.60
Cash Flow per Share - - - - - - - -
Capex - - - - - - - -
Capex / Sales - - - - - - - -
Announcement Date 14/02/20 10/02/21 10/02/22 09/02/23 08/02/24 - - -
1EUR in Million2EUR
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

Ratings for Crédit Agricole S.A.

Trading Rating
Investor Rating
ESG Refinitiv
B-
More Ratings

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
HOLD
Number of Analysts
20
Last Close Price
14.56 EUR
Average target price
14.4 EUR
Spread / Average Target
-1.05%
Consensus

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

Company calendar

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