Credit Agricole SA Stock Valuation and Earnings Report

Credit Agricole SA's stock valuation is a complex topic, but let's break it down simply. The bank's market capitalization is around €23 billion, making it one of the largest banks in Europe.

To understand the stock's performance, we need to look at its earnings report. In 2020, Credit Agricole SA reported a net income of €2.3 billion, a significant increase from the previous year.

The bank's revenue growth was driven by its retail banking division, which saw a 4% increase in customer deposits. This is a key indicator of the bank's financial health.

Credit Agricole SA's stock price has been relatively stable in recent years, with a low volatility ratio of 0.5. This suggests that investors have confidence in the bank's long-term prospects.

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Credit Agricole SA stock is listed on the Euronext Paris stock exchange under the ticker code Euronext: CAGR. It's a well-established bank with a rich history dating back to 1885.

The bank's headquarters is located in Lille, France, and it has a significant presence in Europe, with operations in 70 countries worldwide.

Credit Agricole SA is a leading player in the French banking sector, with a market share of around 25%. The bank offers a wide range of financial services, including retail banking, corporate banking, and investment services.

The bank's brand is recognized globally, with over 50 million customers worldwide. Credit Agricole SA has a strong commitment to sustainable development and social responsibility.

The bank's stock has a market capitalization of over €20 billion, making it one of the largest listed banks in Europe.

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Credit Agricole SA's stock has shown a remarkable growth over the past few years, with a 51.38% increase in value over the last 3 years.

The stock's historical data reveals a steady rise in value, with a +27.88% increase over the past year and a +62.67% increase over the past 5 years.

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One notable statistic is the stock's volatility, which stands at 29.06% over the past year. This level of volatility might be a concern for some investors, but it's essential to consider it in the context of the overall market trends.

Here are some key statistics about Credit Agricole SA's stock:

The stock's momentum has been strong, with a 14.14% increase in 12-1 Month Momentum%. This suggests that the stock has been gaining value over the past few months, which could be a positive sign for investors.

Historical data can be a powerful tool for investors and analysts alike. It provides a clear picture of a company's past performance, which can be used to make informed decisions about its future.

Looking at the historical data for the company, we can see that the price has increased by +20.47% on January 1st. This is a significant increase, and it's worth noting that it's not uncommon for prices to rise at the beginning of the year.

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The price has also seen a steady increase over the past year, with a gain of +27.88% over the past 12 months. This is a testament to the company's strong performance and growth.

Here's a breakdown of the company's historical data:

As we can see from the table, the company's price has seen significant growth over the past few years. This is a positive trend that investors should take note of.

It's also worth noting that the company's price has been steadily increasing over the past year, with a gain of +27.88%. This is a testament to the company's strong performance and growth.

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Credit Agricole SA reported a record quarter by revenue, with a 17% year-over-year growth. This is a significant increase, reflecting the bank's strong performance.

The bank's revenue growth is driven by its asset gathering segment, which is performing well. This segment is a key contributor to the bank's overall revenue.

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Credit Agricole's net income also increased by 27% year-over-year, contributing to the bank's strong full-year figures. The full-year revenue rose by 8%, and net income increased by 12% compared to 2023.

Credit Agricole's shares are fairly valued at current levels, according to the bank's fair value estimate of EUR 14.50 per share. This estimate suggests that the shares are priced correctly, neither overvalued nor undervalued.

Here's a summary of Credit Agricole's key financial metrics:

The bank's beta is relatively low at 0.96, indicating that its stock price is less volatile compared to the overall market.

Financial Strength is a crucial aspect of a company's overall health. It's a measure of how well a company can manage its finances and stay afloat during tough times.

Cash-to-Debt ratio is a key indicator of financial strength. A high cash-to-debt ratio indicates that a company has a strong ability to pay off its debts. In the provided data, the company's cash-to-debt ratio is 1.84, which is a healthy sign.

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Equity-to-Asset ratio is another important metric that shows how much of a company's assets are financed by shareholders. Unfortunately, the company's equity-to-asset ratio is only 0.03, which is a red flag.

Debt-to-Equity ratio is a measure of how much debt a company has compared to its equity. A high debt-to-equity ratio can indicate that a company is taking on too much risk. The company's debt-to-equity ratio is 4.22, which is a concern.

Here are some key financial ratios to consider:

The Piotroski F-Score is a measure of a company's financial health, with higher scores indicating better health. Unfortunately, the company's Piotroski F-Score is only 5/9, which indicates some financial concerns.

The Beneish M-Score is a measure of earnings manipulation, with negative scores indicating no manipulation. The company's Beneish M-Score is -2.38, which suggests that the company is not manipulating its earnings.

Overall, the company's financial strength is a mixed bag, with some positive signs and some red flags.

Credit Agricole SA's valuation metrics suggest its shares are fairly valued at current levels, with a fair value estimate of EUR 14.50 per share.

The bank's price-to-earnings (P/E) ratio is 7.53, lower than its peers GLE (10.89) and KBC (11.11). This could indicate that Credit Agricole's stock is undervalued compared to its peers.

The bank's enterprise value to sales ratio is 1.76x in 2025 and 1.71x in 2026, which is lower than some of its peers. This could suggest that Credit Agricole's stock is relatively cheap compared to its sales growth.

Crédit Agricole's valuation metrics are quite interesting. The price-to-earnings (P/E) ratio for 2025 is 7.68x, while the P/E ratio for 2026 is 7.23x.

The enterprise value (EV) to sales ratio for 2025 is 1.76x, and for 2026 it's 1.71x. This suggests that Crédit Agricole's valuation is relatively stable over the next two years.

Crédit Agricoles' free-float is around 31.16%. This means that about 31% of the company's outstanding shares are available for trading.

The yield for 2025 is 6.81%, and for 2026 it's 7.35%. This indicates that investors can expect a relatively stable return on their investment over the next two years.

Here's a summary of Crédit Agricole's valuation metrics:

When evaluating a company's risk and valuation, one important aspect to consider is its dividend and buyback policies. The company's current dividend yield is 6.57%, which is a relatively high rate that may indicate a strong commitment to returning value to shareholders.

A dividend payout ratio of 0.55 suggests that the company is using a significant portion of its earnings to pay out dividends, which can be a good sign for investors. This ratio is lower than the industry average, indicating that the company is being conservative with its dividend payments.

The 3-year dividend growth rate of 9.5% is a positive sign, indicating that the company is increasing its dividend payments over time. This can be a good indicator of a company's financial health and stability.

The forward dividend yield of 6.57% is the same as the current dividend yield, suggesting that investors can expect the same level of dividend income in the future. This can be an important consideration for investors who rely on dividend income.

One metric that stands out is the shareholder yield, which is -64.42%. This negative number indicates that the company is currently paying out more in dividends than it is earning, which can be a concern for investors.

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Analysts are optimistic about Crédit Agricole S.A.'s stock, with UBS raising its price target on February 6.

UBS is not the only analyst to have raised its price target for Crédit Agricole S.A. Oddo BHF also increased its target on the same day.

Crédit Agricole S.A. has received positive analysis from several sources, with Day By Day noting a clear upward trend in the stock's fundamentals.

The resistance levels for Crédit Agricole S.A. are close, as observed by TEC on multiple occasions, including February 10 and February 17.

Crédit Agricole S.A.'s development model is exemplary, similar to many other French banks.

Over the past 6 months, Credit Agricole SA stock has shown a decent performance, with a gain of +13.10%. This is a promising sign for investors.

The stock's performance over the past 1 week and 1 month has also been impressive, with gains of +2.37% and +10.07% respectively. These numbers indicate a steady growth trend.

Here are the stock's performance numbers over different time periods:

The stock's profitability is also worth noting, with a Net Margin % of 28.94, indicating a healthy profit margin.

Let's take a closer look at the company's performance over the past few months. The stock has had a significant increase in value, with a 26.36% growth over the past three months. This is a notable improvement from the previous quarter.

Here are the key performance metrics over the past six months and current year:

The company's performance has been consistent over the past few months, with a steady increase in value. The stock has grown by 10.07% over the past month, and 2.37% over the past week.

Let's take a closer look at the company's profitability rank. The net margin percentage is a whopping 28.94%, which is a clear indication of the company's ability to generate profits from its sales.

This is significantly higher than the industry average, which is a testament to the company's efficient operations and effective pricing strategies.

The company has maintained a consistent level of profitability over the past 10 years, with a remarkable 10 years of profitability in the past decade.

Here's a breakdown of the company's profitability metrics:

As you can see, the company's free cash flow margin is a bit of a concern, coming in at -69.32%. This suggests that the company is not generating enough cash from its operations to cover its expenses.

On the other hand, the return on equity (ROE) percentage is a respectable 9.82%, indicating that the company is generating a decent return on the equity invested by shareholders.

The return on assets (ROA) percentage, however, is quite low at 0.32%, suggesting that the company's assets are not generating enough revenue to justify their cost.

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Crédit Agricole S.A. has been making waves in the financial sector with several press releases in recent weeks.

Crédit Agricole CIB closed a $1.2 billion sustainability-linked export prepayment facility with Suzano International Finance B.V. on February 28.

The company's governance roadshow presentation for 2024-2025 was released on February 20, providing insights into their future plans.

Crédit Agricole Assurances opened a new branch for its subsidiary Crédit Agricole Creditor Insurance in Stuttgart on February 27.

Here are some key updates from the recent press releases:

Crédit Agricole S.A.'s stock performance has also been impacted by recent market trends.