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Crédit Agricole S.A. (ACA.PA)
Montrouge, FR
Crédit Agricole S.A. is a global financial institution offering a comprehensive suite of services, encompassing retail and corporate banking, insurance, and investment solutions. Its operations are structured across several key divisions: Asset Gathering, Large Customers, Specialised Financial Services, French Retail Banking via LCL, and International Retail Banking. The company delivers a wide array of banking and financial products, including various deposit accounts (savings, current), lending facilities, payment solutions, and cash flow management tools. It also provides consumer credit and a range of specialized financial services. In wealth management, it assists individual clients in managing, safeguarding, and transferring their assets, alongside offering broader asset management services. Its insurance portfolio includes coverage for savings and retirement, life and disability (including creditor and group schemes), and property and casualty. Crédit Agricole S.A. also extends financing for property and equipment investments, provides trade receivable financing and administration for businesses, and funds renewable energy and public infrastructure projects. Leasing services are also part of its offering. Its investment banking arm delivers structured finance, international trade finance, commercial banking, capital market activities, and syndication services. Furthermore, it offers extensive asset servicing, covering execution, clearing, foreign exchange, securities lending and borrowing, custody, depositary bank functions, fund administration, outsourced middle-office solutions, fund distribution support, and issuer services. The diverse client base spans individual consumers, corporate entities, financial institutions, government bodies, and local authorities. Established in 1894 and headquartered in Montrouge, France, Crédit Agricole S.A. operates as a subsidiary of SAS Rue La Boétie.
No mergers or acquisitions recorded for this company.
| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| -1.31% | +0.03% | -0.97% | -4.76% | +2.39% | -3.56% | -0.56% | +44.91% | +27.93% | +103.43% | +11.13% |
Revenue flow
Revenue by geography
Revenue by segment
Revenue composition
By product
By geography
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.
| Rating | 2026-05 | Change |
|---|---|---|
| Strong Buy | 0 | 0 |
| Buy | 6 | 0 |
| Hold | 8 | 0 |
| Sell | 1 | 0 |
| Strong Sell | 2 | +1 |
-
Revenue growth+7.0% Q4'25: +25.1% (vs Q4'23)
-
EPS growth+3.3% Q4'25: -7.4% (vs Q4'23)
-
FCF margin— Q4'25: +13.6% (vs Q4'23)
-
EBIT margin— Q4'25: +7.7% (vs Q4'23)
-
ROIC— Q4'25: +3.5% (vs Q4'23)
-
Share dilution+0.4% Q4'25: +0.0% (vs Q4'23)
-
Debt / EBITDA— Q4'25: 23.58× (vs Q4'23)
* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.
| Metric |
Dec 2009 actual |
Dec 2010 actual |
Dec 2011 actual |
Dec 2012 actual |
Dec 2013 actual |
Dec 2014 actual |
Dec 2015 actual |
Dec 2016 actual |
Dec 2017 actual |
Dec 2018 actual |
Dec 2019 actual |
Dec 2020 actual |
Dec 2021 actual |
Dec 2022 actual |
Dec 2023 actual |
Dec 2024 actual |
Dec 2025 actual |
Dec 2026 7 Rev. Ana. 8 EPS Ana. |
Dec 2027 10 Rev. Ana. 13 EPS Ana. |
Dec 2028 9 Rev. Ana. 10 EPS Ana. |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue |
39.00B
est: 18.50B (+110.8%)
|
37.61B
est: 20.80B (+80.8%)
|
38.82B
est: 20.86B (+86.0%)
|
34.60B
est: 17.12B (+102.1%)
|
31.57B
est: 16.61B (+90.1%)
|
31.12B
est: 16.27B (+91.3%)
|
31.72B
est: 17.44B (+81.9%)
|
30.15B
est: 17.17B (+75.6%)
|
50.58B
est: 18.96B (+166.8%)
|
44.75B
est: 20.01B (+123.7%)
|
65.43B
est: 20.45B (+220.0%)
|
41.49B
est: 20.38B (+103.6%)
|
63.21B
est: 20.77B (+204.3%)
|
45.58B
est: 36.06B (+26.4%)
|
97.73B
est: 24.35B (+301.3%)
|
104.97B
est: 26.40B (+297.6%)
|
112.32B
est: 26.48B (+324.1%)
|
28.11B
27.91B – 28.37B
+6.1% YoY
|
29.22B
28.28B – 30.28B
+4.0% YoY
|
30.42B
29.81B – 31.12B
+4.1% YoY
|
| EBITDA |
5.92B
est: 3.80B (+55.8%)
|
5.89B
est: 4.27B (+37.7%)
|
551.00M
est: 19.35B (-97.2%)
|
-941.00M
est: 16.21B (-105.8%)
|
3.61B
est: 13.89B (-74.0%)
|
3.88B
est: 3.34B (+16.2%)
|
4.48B
est: 3.58B (+25.0%)
|
4.05B
est: 3.53B (+14.9%)
|
5.58B
est: 3.89B (+43.4%)
|
6.64B
est: 19.62B (-66.2%)
|
6.28B
est: 20.31B (-69.1%)
|
4.92B
est: 19.95B (-75.3%)
|
8.42B
est: 20.21B (-58.3%)
|
8.22B
est: 20.81B (-60.5%)
|
10.05B
est: 3.05B (+229.3%)
|
11.15B
est: 21.90B (-49.1%)
|
11.68B
est: 3.32B (+251.8%)
|
3.52B
3.50B – 3.56B
+6.1% YoY
|
3.66B
3.54B – 3.79B
+4.0% YoY
|
3.81B
3.74B – 3.90B
+4.1% YoY
|
| EBIT |
1.50B
est: 1.36B (+10.4%)
|
2.61B
est: 1.69B (+54.0%)
|
-186.00M
est: 2.44B (-107.6%)
|
-1.72B
est: -152.65M (-1,026.8%)
|
2.93B
est: -2.41B (+221.6%)
|
3.24B
est: 2.91B (+11.3%)
|
3.81B
est: 3.47B (+9.9%)
|
3.35B
est: 3.75B (-10.8%)
|
5.20B
est: 3.70B (+40.7%)
|
6.24B
est: 6.26B (-0.3%)
|
5.60B
est: 6.64B (-15.6%)
|
4.18B
est: 5.93B (-29.6%)
|
7.71B
est: 6.01B (+28.2%)
|
7.50B
est: 6.19B (+21.2%)
|
9.35B
est: 2.82B (+231.6%)
|
10.43B
est: 3.02B (+245.8%)
|
10.93B
est: 3.07B (+256.5%)
|
3.25B
3.23B – 3.28B
+6.1% YoY
|
3.38B
3.27B – 3.51B
+4.0% YoY
|
3.52B
3.45B – 3.60B
+4.1% YoY
|
| Net Income |
1.45B
est: 1.19B (+21.9%)
|
1.75B
est: 1.27B (+37.9%)
|
-1.47B
est: 1.18B (-224.2%)
|
-6.39B
est: -1.21B (-429.6%)
|
2.51B
est: -7.21B (+134.8%)
|
2.34B
est: 2.45B (-4.4%)
|
3.52B
est: 2.51B (+39.9%)
|
3.54B
est: 3.46B (+2.3%)
|
3.65B
est: 3.91B (-6.6%)
|
4.40B
est: 3.85B (+14.3%)
|
4.84B
est: 4.50B (+7.7%)
|
2.69B
est: 4.83B (-44.3%)
|
5.84B
est: 4.89B (+19.4%)
|
5.31B
est: 8.42B (-36.9%)
|
6.35B
est: 6.16B (+3.1%)
|
7.09B
est: 6.74B (+5.2%)
|
7.07B
est: 6.45B (+9.6%)
|
6.77B
6.63B – 6.90B
+4.8% YoY
|
7.36B
7.08B – 7.63B
+8.7% YoY
|
8.17B
7.55B – 8.60B
+11.1% YoY
|
| SGA |
4.69B
|
8.30B
|
10.21B
|
—
|
—
|
—
|
—
|
—
|
6.93B
|
7.12B
|
7.15B
|
7.23B
|
8.03B
|
7.90B
|
8.68B
est: 2.78B (+212.2%)
|
9.56B
est: 3.01B (+217.3%)
|
10.16B
est: 3.02B (+236.1%)
|
3.21B
3.19B – 3.24B
+6.1% YoY
|
3.34B
3.23B – 3.46B
+4.0% YoY
|
3.47B
3.40B – 3.55B
+4.1% YoY
|
| EPS |
0.48
est: 0.59 (-18.3%)
|
0.72
est: 0.96 (-25.1%)
|
-0.47
est: 0.88 (-153.4%)
|
-2.61
est: 0.63 (-511.1%)
|
0.97
est: 0.99 (-2.1%)
|
0.81
est: 1.01 (-19.5%)
|
1.17
est: 1.21 (-3.4%)
|
1.08
est: 1.07 (+0.5%)
|
1.12
est: 1.27 (-11.9%)
|
1.39
est: 1.36 (+2.0%)
|
1.48
est: 1.38 (+7.6%)
|
0.80
est: 0.95 (-15.5%)
|
1.84
est: 1.05 (+75.8%)
|
1.64
est: 2.79 (-41.2%)
|
1.94
est: 2.03 (-4.4%)
|
2.11
est: 2.34 (-9.9%)
|
2.18
est: 2.13 (+2.3%)
|
2.25
2.19 – 2.28
+5.6% YoY
|
2.44
2.34 – 2.52
+8.3% YoY
|
2.65
2.50 – 2.84
+8.8% YoY
|
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-12 | B | 3/5 | 1/5 | 4/5 | 2/5 | 1/5 | 4/5 | 4/5 |
| 2026-05-11 | B | 3/5 | 1/5 | 4/5 | 2/5 | 1/5 | 4/5 | 4/5 |
| 2026-05-08 | B | 3/5 | 1/5 | 4/5 | 3/5 | 1/5 | 4/5 | 4/5 |
| 2026-05-07 | B | 3/5 | 1/5 | 4/5 | 3/5 | 1/5 | 4/5 | 4/5 |
| 2026-05-06 | B | 3/5 | 1/5 | 4/5 | 3/5 | 1/5 | 4/5 | 4/5 |
| 2026-05-05 | B | 3/5 | 1/5 | 4/5 | 3/5 | 1/5 | 4/5 | 4/5 |
| 2026-05-04 | B | 3/5 | 1/5 | 4/5 | 3/5 | 1/5 | 4/5 | 4/5 |
| 2026-04-30 | B | 3/5 | 1/5 | 4/5 | 3/5 | 1/5 | 4/5 | 4/5 |
| 2026-04-29 | B | 3/5 | 1/5 | 4/5 | 3/5 | 1/5 | 4/5 | 4/5 |
| 2026-04-28 | B | 3/5 | 1/5 | 4/5 | 3/5 | 1/5 | 4/5 | 4/5 |
| 2026-04-27 | B | 3/5 | 1/5 | 4/5 | 3/5 | 1/5 | 4/5 | 4/5 |
| 2026-04-24 | B | 3/5 | 1/5 | 4/5 | 3/5 | 1/5 | 4/5 | 4/5 |
| 2026-04-23 | B+ | 3/5 | 1/5 | 4/5 | 4/5 | 1/5 | 4/5 | 4/5 |
| 2026-04-22 | B+ | 3/5 | 1/5 | 4/5 | 4/5 | 1/5 | 4/5 | 4/5 |
| 2026-04-21 | B+ | 3/5 | 1/5 | 4/5 | 4/5 | 1/5 | 4/5 | 4/5 |
| 2026-04-20 | B+ | 3/5 | 1/5 | 4/5 | 4/5 | 1/5 | 4/5 | 4/5 |
| 2026-04-17 | B+ | 3/5 | 1/5 | 4/5 | 4/5 | 1/5 | 4/5 | 4/5 |
| 2026-04-16 | B+ | 3/5 | 1/5 | 4/5 | 4/5 | 1/5 | 4/5 | 4/5 |
| 2026-04-15 | B+ | 3/5 | 1/5 | 4/5 | 4/5 | 1/5 | 4/5 | 4/5 |
Owner Earnings
Ownership Overview
Ownership breakdown not available.
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional history not available.
Top holders not available.
Insider Activity
No insider activity available.
Insider history not available.
No recent insider transactions.
Executive team
Executive compensation
Executive compensation not available.
No CEO compensation history available.
Proxy statements
No proxy statements available for this company yet.
Recent SEC filings
No SEC filings available for this company yet.
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Olivier-Eric Alain Gavalda | Chief Executive Officer | 2M | male |
| Xavier Musca | Deputy Chief Executive Officer | 2M | male |
| Jerome Grivet | Deputy Chief Executive Officer | 2M | male |
| Hugues Brasseur | Chief Executive Officer of Crédit Agricole Italia & Senior Country Officer of Italy | 53.5K | male |
| Hubert Reynier | Group Head of Compliance | — | male |
| Jean-Bernard Mas | Chief Executive Officer of BforBank | — | male |
| Jean-Paul Duhamel | Chief Executive Officer of Crédit Agricole Transitions & Energies | — | male |
| Jean-Paul Mazoyer | Deputy GM and Head of Technology, Digital & Payments | — | male |
| Jean-Pierre Michalowski | Chief Executive Officer of CACEIS | — | male |
| Anne-Catherine Ropers | Group Head of Human Resources | — | female |
| Julie De La Palme | Head of Group Communications | — | female |
| Nicolas Denis | CEO of Crédit Agricole Assurances & CEO of Predica | — | male |
No data available for this company.
No Senate trading activity found for this company.
No House trading activity found for this company.
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Community Opinion for ACA.PA
Short-term intention
Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.
