0.76%
9.71%
3.48%
3.92%
9.54%
9.79%
19.22%
AI Spotlight on ACA
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.
Market Data
| Last Price | 14.58 |
| Change Percentage | 0.76% |
| Open | 14.46 |
| Previous Close | 14.47 |
| Market Cap ( Millions) | 43885 |
| Volume | 6477011 |
| Year High | 15.93 |
| Year Low | 12.12 |
| M A 50 | 13.32 |
| M A 200 | 13.84 |
Financial Ratios
| FCF Yield | 215.12% |
| Dividend Yield | 7.20% |
| ROE | 9.26% |
| Debt / Equity | 696.44% |
| Net Debt / EBIDTA | -2214.78% |
| Price To Book | 0.63 |
| Price Earnings Ratio | 5.61 |
| Price To FCF | 0.46 |
| Price To sales | 0.71 |
| EV / EBITDA | -12.35 |
News
- Jan -27 - Credit Agricole SA : Crédit Agricole Personal Finance & Mobility finalizes the GAC Leasing equity project to support the growth of GAC Group’s electric vehicle sales in China
- Jan -16 - Poland Keeps Rates on Hold as Policymakers Extend Hawkish Tilt
- Jan -13 - Credit Agricole Sa: Crédit Agricole S.A. announces the reduction of its share capital through the cancellation of treasury shares purchased under a share repurchase program
- Dec -31 - Credit Agricole Sa: REDUCTION OF RESOURCES TO THE LIQUIDITY CONTRACT WITH KEPLER CHEUVREUX
- Dec -19 - Credit Agricole Sa: Crédit Agricole S.A. has signed an agreement for the acquisition of Santander’s 30.5% stake in CACEIS, its asset services provider, aiming to bring its ownership to 100%
- Dec -17 - CREDIT AGRICOLE SA: Olivier Gavalda appointed Chief Executive Officer of Crédit Agricole S.A.
- Dec -11 - CREDIT AGRICOLE SA: Capital - Notification of the level of Pillar 2 additional requirement
- Dec -11 - Credit Agricole CEO Plays Key Role in Italy’s Banking Deals
- Dec -09 - Credit Agricole could up Banco BPM stake in next 6 months, won't seek control, filing shows
- Dec -09 - Crédit Agricole moves to increase stake in Italy’s Banco BPM
- Dec -09 - Could a French bank foil UniCredit’s play for Banco BPM?
- Dec -09 - Banco BPM Rises as Credit Agricole Moves to Defend Interests
- Dec -09 - Credit Agricole Builds Up Shield in Italy Against UniCredit
- Dec -08 - Credit Agricole Moves to Shield Italy Business Against UniCredit
- Dec -07 - Allianz pauses talks with Amundi to form €2.8tn asset management giant
- Dec -07 - UniCredit says ready to sit down with Credit Agricole over Banco BPM
- Dec -07 - UniCredit says ready to sit down with Credit Agricole over Banco BPM
- Dec -07 - Exclusive-Italy informally backed Credit Agricole's higher BPM stake, sources say
- Dec -06 - Credit Agricole Raises BPM Stake Amid UniCredit Takeover Bid
- Dec -06 - Credit Agricole Raises BPM Stake Amid UniCredit Takeover Bid
Business Breakdown
Expected Mid-Term Growth
Segment n°1 -> French Retail Banking - Regional Banks
Expected Growth : 4.5 %
What the company do ?
French Retail Banking - Regional Banks from Crédit Agricole S.A. provides personal and business banking services through a network of regional banks in France.
Why we expect these perspectives ?
The 4.5% growth in French Retail Banking - Regional Banks from Crédit Agricole S.A. is driven by increasing demand for digital banking services, a strong branch network, and a focus on customer relationships. Additionally, the bank's efforts to improve operational efficiency, invest in digital transformation, and expand its product offerings have contributed to this growth.
Segment n°2 -> Large Customers
Expected Growth : 4.2 %
What the company do ?
Large Customers from Crédit Agricole S.A. refers to major corporate clients with significant business volumes, requiring tailored financial solutions and personalized services.
Why we expect these perspectives ?
Large customers of Crédit Agricole S.A. achieved 4.2% growth driven by increased adoption of digital banking services, expansion into new markets, and strategic partnerships. Additionally, the bank's focus on sustainable finance and ESG initiatives resonated with large corporations, leading to increased wallet share and new business acquisitions.
Segment n°3 -> Asset Gathering
Expected Growth : 5.5 %
What the company do ?
Asset Gathering from Crédit Agricole S.A. refers to the process of collecting and consolidating financial assets, such as deposits, investments, and loans, from various sources into a single platform for efficient management and optimization.
Why we expect these perspectives ?
Crédit Agricole S.A.'s 5.5% asset gathering growth is driven by its strong brand reputation, diversified product offerings, and extensive distribution network. Additionally, the bank's digital transformation efforts, strategic partnerships, and focus on sustainable investments have contributed to its growth. Furthermore, its presence in high-growth markets and effective cost management have also supported its asset gathering capabilities.
Segment n°4 -> International Retail Banking
Expected Growth : 4.8 %
What the company do ?
International Retail Banking from Crédit Agricole S.A. provides personal and business banking services to individuals and companies in France and internationally.
Why we expect these perspectives ?
The 4.8% growth in International Retail Banking at Crédit Agricole S.A. is driven by a strong focus on digital transformation, expansion in emerging markets, and a diversified product offering. Additionally, strategic acquisitions, cost savings initiatives, and a favorable interest rate environment have contributed to this growth.
Segment n°5 -> French Retail Banking - LCL
Expected Growth : 4.7 %
What the company do ?
LCL (formerly known as Crédit Lyonnais) is a French retail banking subsidiary of Crédit Agricole S.A., offering a range of personal and business banking services.
Why we expect these perspectives ?
LCL's 4.7% growth in French Retail Banking is driven by its strong brand recognition, extensive branch network, and diversified product offerings. Additionally, its digital transformation efforts, investments in data analytics, and focus on customer experience have contributed to its growth. Furthermore, the bank's ability to cross-sell products and services, as well as its solid risk management practices, have also supported its growth momentum.
Segment n°6 -> Specialised Financial Services
Expected Growth : 4.9 %
What the company do ?
Crédit Agricole S.A.'s Specialised Financial Services provide tailored solutions for corporate and institutional clients, including cash management, trade finance, and factoring services.
Why we expect these perspectives ?
Crédit Agricole S.A.'s Specialised Financial Services segment growth of 4.9% is driven by increasing demand for asset management, private banking, and leasing services. Strong investment performance, expansion into new markets, and strategic partnerships also contribute to growth. Additionally, the segment benefits from the group's diversified business model and robust risk management practices.
Segment n°7 -> Corporate Centre
Expected Growth : 4.1 %
What the company do ?
The Corporate Centre of Crédit Agricole S.A. is the central governing body that defines the group's strategy, oversees its implementation, and ensures its overall performance.
Why we expect these perspectives ?
The 4.1% growth of Corporate Centre at Crédit Agricole S.A. is driven by effective cost management, optimized resource allocation, and strategic investments in digital transformation, enabling the company to improve operational efficiency and enhance customer experience.
Crédit Agricole S.A. Products
| Product Range | What is it ? |
|---|---|
| Retail Banking | Personal banking services for individuals, including current accounts, savings accounts, credit cards, personal loans, and mortgages. |
| Corporate Banking | Financial services for businesses, including cash management, trade finance, and corporate lending. |
| Investment Banking | Advisory and capital markets services for corporations, including mergers and acquisitions, equity and debt capital markets, and leveraged finance. |
| Asset Management | Investment management services for individuals, companies, and institutions, including mutual funds, exchange-traded funds, and alternative investments. |
| Insurance | Life insurance, non-life insurance, and health insurance products for individuals and businesses. |
| Private Banking | Wealth management services for high net worth individuals, including investment advice, portfolio management, and wealth planning. |
| Leasing and Factoring | Financial solutions for businesses, including leasing, factoring, and invoice discounting. |
Crédit Agricole S.A.'s Porter Forces
Threat Of Substitutes
Crédit Agricole S.A. operates in a highly competitive market, with many substitutes available to customers. However, the company's strong brand reputation and wide range of financial services help to mitigate the threat of substitutes.
Bargaining Power Of Customers
Crédit Agricole S.A. has a large customer base, but individual customers have significant bargaining power due to the availability of alternative financial services. The company must therefore focus on providing high-quality services to retain customers.
Bargaining Power Of Suppliers
Crédit Agricole S.A. has a diverse supplier base, which reduces the bargaining power of individual suppliers. The company's large scale of operations also gives it significant negotiating power with suppliers.
Threat Of New Entrants
The financial services industry has significant barriers to entry, including regulatory requirements and the need for significant capital investment. This reduces the threat of new entrants to Crédit Agricole S.A.'s market share.
Intensity Of Rivalry
The financial services industry is highly competitive, with many established players competing for market share. Crédit Agricole S.A. must therefore focus on differentiating its services and providing high-quality customer experiences to maintain its market position.
Capital Structure
| Value | |
|---|---|
| Debt Weight | 88.51% |
| Debt Cost | 10.24% |
| Equity Weight | 11.49% |
| Equity Cost | 10.24% |
| WACC | 10.24% |
| Leverage | 770.05% |
Crédit Agricole S.A. : Quality Control
Crédit Agricole S.A. passed 2 out of 9 key points:
Historical Valuation
Price/Earnings Ratio
Margin Valuation
Peers Valuation
Competitors
| Company | Rational |
|---|---|
| CBK.DE | Commerzbank AG provides banking and capital market services to private and small business customers, multinational groups, financial service providers, and institutional clients worldwide. It operates through two segments, Private and … |
| ISP.MI | Intesa Sanpaolo S.p.A. provides various financial products and services primarily in Italy. It operates through six segments Banca dei Territori, IMI Corporate & Investment Banking, International Subsidiary Banks, Asset Management, … |
| EBS.VI | Erste Group Bank AG provides a range of banking and other financial services to retail, corporate, real estate, and public sector customers in Austria, Central and Eastern Europe, and internationally. … |
| CABK.MC | CaixaBank, S.A., together with its subsidiaries, provides various banking products and financial services in Spain and internationally. The company operates through Banking and Insurance, Equity Investments, and BPI segments. It … |
| DNB.OL | DNB Bank ASA provides financial services for retail and corporate customers in Norway and internationally. The company offers personal banking products and services, including savings and investment products; loans, such … |
Peers Metrics
DCF BETA
Expected Cash-Flows
Scoring Insights
Peers Group Analysis
🥇
Intesa Sanpaolo
A-Score
1-Year Total Return ->
🥈
DNB Bank
A-Score
1-Year Total Return ->
🥉
Crédit Agricole
A-Score
1-Year Total Return ->
4
Erste Bank
A-Score
1-Year Total Return ->
5
CaixaBank
A-Score
1-Year Total Return ->
6
