Financials Crédit Agricole S.A.

Equities

ACA

FR0000045072

Banks

Market Closed - Euronext Paris 11:35:08 2024-04-19 am EDT 5-day change 1st Jan Change
14.04 EUR +0.93% Intraday chart for Crédit Agricole S.A. +2.00% +9.20%

Valuation

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Capitalization 1 37,260 29,742 37,777 29,717 39,220 42,449 - -
Enterprise Value (EV) 1 37,260 29,742 37,777 29,717 39,220 42,449 42,449 42,449
P/E ratio 8.73 x 12.8 x 6.82 x 5.85 x 6.62 x 7.52 x 7.19 x 6.88 x
Yield 5.42% 3% 8.37% 10.7% 8.17% 6.88% 7.11% 7.46%
Capitalization / Revenue 1.85 x 1.45 x 1.67 x 1.25 x 1.56 x 1.64 x 1.59 x 1.55 x
EV / Revenue 1.85 x 1.45 x 1.67 x 1.25 x 1.56 x 1.64 x 1.59 x 1.55 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 0.64 x 0.61 x 0.59 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 13.90 13.90 13.90
Announcement Date 2/14/20 2/10/21 2/10/22 2/9/23 2/8/24 - - -
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 27,464
EBITDA - - - - - - - -
EBIT 1 7,594 7,959 9,047 9,222 11,039 11,245 11,686 12,025
Operating Margin 37.68% 38.82% 39.93% 38.75% 43.84% 43.49% 43.77% 43.78%
Earnings before Tax (EBT) 1 5,952 4,588 8,080 7,862 9,546 9,316 9,767 10,128
Net income 1 4,844 2,692 5,844 5,437 6,348 5,694 5,946 6,175
Net margin 24.04% 13.13% 25.79% 22.84% 25.21% 22.02% 22.27% 22.48%
EPS 2 1.480 0.8040 1.840 1.680 1.940 1.850 1.934 2.022
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 2/14/20 2/10/21 2/10/22 2/9/23 2/8/24 - - -
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 6,580 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 2,774 - - -
Operating Margin 41.08% 40.52% 30.04% 45.32% 38.84% 40.34% 37.25% 51.84% 46.78% 38.58% 42.15% - - -
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 1,504 - - -
Net margin 25.35% 24.56% 9.3% 31.22% 24.3% 26.08% 20.03% 30.56% 27.56% 22.09% 22.86% - - -
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 11/10/21 2/10/22 5/5/22 8/4/22 11/10/22 2/9/23 5/10/23 8/4/23 11/8/23 2/8/24 - - - -
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% 8.53% 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 2,224,339 2,378,569 2,421,398
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 2/14/20 2/10/21 2/10/22 2/9/23 2/8/24 - - -
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

Trading Rating
Investor Rating
ESG Refinitiv
B-
More Ratings
Sell
Consensus
Buy
Mean consensus
HOLD
Number of Analysts
20
Last Close Price
14.04 EUR
Average target price
14.4 EUR
Spread / Average Target
+2.62%
Consensus
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