Financials Crédit Agricole S.A.

Equities

ACA

FR0000045072

Banks

Market Closed - Euronext Paris Other stock markets 11:55:00 2026-02-13 am EST			5-day change	1st Jan Change
17.77 ^EUR	-0.95%		-0.53%	+1.25%

Feb. 13	ECB fines Crédit Agricole over non-compliance on climate-related risk	RE
Feb. 13	EU body should oversee Europe's biggest asset managers, ECB blog says	RE

Projected Income Statement: Crédit Agricole S.A.

Fiscal Period: December	2020	2021	2022	2023	2024	2025	2026	2027
Net sales ¹	20,500	22,657	23,801	25,180	27,181	28,079	28,414	29,345
Change	-	10.52%	5.05%	5.79%	7.95%	3.3%	1.19%	3.28%
EBITDA	-	-	-	-	-	-	-	-
Change	-	-	-	-	-	-	-	-
EBIT ¹	7,959	9,047	9,222	11,039	12,286	12,451	12,643	13,201
Change	-	13.67%	1.93%	19.7%	11.3%	1.34%	1.54%	4.41%
Interest Paid	-	-	-	-	-	-	-	-
Earnings before Tax (EBT) ¹	4,588	8,080	7,862	9,546	10,625	10,402	11,175	11,796
Change	-	76.11%	-2.7%	21.42%	11.3%	-2.1%	7.43%	5.56%
Net income ¹	2,692	5,844	5,437	6,348	7,087	7,074	7,397	7,796
Change	-	117.09%	-6.96%	16.76%	11.64%	-0.18%	4.56%	5.4%
Announcement Date	2/10/21	2/10/22	2/9/23	2/8/24	2/5/25	2/4/26	-	-

¹EUR in Million

Estimates

Fiscal Period: December	2020 Q4	2021 Q1	2021 Q2	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	2025 Q1	2025 Q2	2025 Q3	2025 Q4	2026 Q1	2026 Q2	2026 Q3	2026 Q4
Net sales ¹	5,251	5,493	5,819	5,531	5,815	5,938	6,330	5,564	5,969	6,121	6,676	6,343	6,040	6,806	6,796	6,487	7,092	7,256	7,006	6,850	6,966	7,174	7,108	6,927	7,137
Change	-	4.61%	5.93%	-4.95%	5.13%	2.12%	6.6%	-12.1%	7.28%	2.55%	9.07%	-4.99%	-4.78%	12.68%	-0.15%	-4.55%	9.33%	2.31%	-3.45%	-2.23%	1.69%	2.99%	-0.92%	-2.54%	3.02%
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Change	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBIT ¹	2,090	1,916	2,554	2,272	2,356	1,784	2,869	2,161	2,408	2,280	3,461	2,967	2,330	3,137	3,175	2,799	3,175	3,266	3,306	3,013	2,867	-	-	-	-
Change	-	-8.33%	33.3%	-11.04%	3.7%	-24.28%	60.82%	-24.68%	11.43%	-5.32%	51.8%	-14.27%	-21.47%	34.64%	1.21%	-11.84%	13.43%	2.87%	1.22%	-8.86%	-4.85%	-	-	-	-
Charge d'intérêts	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Earnings before Tax (EBT) ¹	712	1,622	2,717	2,101	1,640	1,148	2,770	1,909	2,035	1,996	2,983	2,630	1,937	2,773	2,814	2,404	2,634	2,900	3,350	2,553	1,599	-	-	-	-
Change	-	127.81%	67.51%	-22.67%	-21.94%	-30%	141.29%	-31.08%	6.6%	-1.92%	49.45%	-11.83%	-26.35%	43.16%	1.48%	-14.57%	9.57%	10.1%	15.52%	-23.79%	-37.37%	-	-	-	-
Net income ¹	124	1,045	1,968	1,402	1,428	552	1,976	1,352	1,557	1,226	2,040	1,748	1,334	1,903	1,828	1,666	1,689	1,824	2,390	1,836	1,025	-	-	-	-
Change	-	742.74%	88.33%	-28.76%	1.85%	-61.34%	257.97%	-31.58%	15.16%	-21.26%	66.39%	-14.31%	-23.68%	42.65%	-3.94%	-8.86%	1.38%	7.99%	31.03%	-23.18%	-44.17%	-	-	-	-
Announcement Date	2/10/21	5/7/21	8/5/21	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	5/3/24	8/1/24	11/6/24	2/5/25	4/30/25	7/31/25	10/30/25	2/4/26	-	-	-	-

¹EUR in Million

Estimates

Fiscal Period: December	2025 S1
Net sales ¹	14,263
Change	-
EBITDA	-
Change	-
EBIT	-
Change	-
Charge d'intérêts	-
Earnings before Tax (EBT)	-
Change	-
Net income	-
Change	-
Announcement Date	7/31/25

¹EUR in Million

Estimates

Forecast Balance Sheet: Crédit Agricole S.A.

Fiscal Period: December	2020	2021	2022	2023	2024	2025	2026	2027
Net Debt	-	-	-	-	-	-	-	-
Change	-	-	-	-	-	-	-	-
Announcement Date	2/10/21	2/10/22	2/9/23	2/8/24	2/5/25	2/4/26	-	-

Estimates

Cash Flow Forecast: Crédit Agricole S.A.

Fiscal Period: December	2019	2020	2021	2022	2023	2024
CAPEX ¹	947	748	876	1,089	885	1,070
Change	-	-21.01%	17.11%	24.32%	-18.73%	20.9%
Free Cash Flow (FCF) ¹	-	-	-	-	-	-
Change	-	-	-	-	-	-
Announcement Date	2/14/20	2/10/21	3/24/22	3/27/23	3/22/24	3/24/25

¹EUR in Million

Estimates

Forecast Financial Ratios: Crédit Agricole S.A.

Fiscal Period: December	2019	2020	2021	2022	2023	2024	2025	2026	2027
Profitability
EBITDA Margin (%)	-	-	-	-	-	-	-	-	-
EBIT Margin (%)	-	38.82%	39.93%	38.75%	43.84%	45.2%	44.34%	44.5%	44.98%
EBT Margin (%)	-	22.38%	35.66%	33.03%	37.91%	39.09%	37.05%	39.33%	40.2%
Net margin (%)	-	13.13%	25.79%	22.84%	25.21%	26.07%	25.19%	26.03%	26.57%
FCF margin (%)	-	-	-	-	-	-	-	-	-
FCF / Net Income (%)	-	-	-	-	-	-	-	-	-
Profitability
ROA	-	0.21%	0.29%	0.26%	0.29%	0.32%	0.3%	0.27%	0.28%
ROE	-	6.01%	8.09%	8.19%	9.23%	9.72%	9.29%	9.81%	9.71%
Financial Health
Leverage (Debt/EBITDA)	-	-	-	-	-	-	-	-	-
Debt / Free cash flow	-	-	-	-	-	-	-	-	-
Capital Intensity
CAPEX / Current Assets (%)	-	-	-	-	-	-	-	-	-
CAPEX / EBITDA (%)	-	-	-	-	-	-	-	-	-
CAPEX / FCF (%)	-	-	-	-	-	-	-	-	-
Items per share
Cash flow per share ¹	-	-	-	-	-	-	-	-	-
Change	-	-	-	-	-	-	-	-	-
Dividend per Share ¹	-	0.31	1.05	1.05	1.05	1.1	1.13	1.224	1.298
Change	-	-	238.71%	0%	0%	4.76%	2.73%	6.89%	6.08%
Book Value Per Share ¹	-	19	19.2	19.5	20.4	21.6	22.8	24.61	25.87
Change	-	-	1.05%	1.56%	4.62%	5.88%	5.56%	3.13%	5.12%
EPS ¹	-	0.804	1.84	1.68	1.94	2.11	2.18	2.383	2.527
Change	-	-	128.86%	-8.7%	15.48%	8.76%	3.32%	7.96%	6.07%
Nbr of stocks (in thousands)	-	2,882,000	3,010,151	3,022,816	3,051,657	3,040,203	3,025,508	3,025,508	3,025,508
Announcement Date	-	2/10/21	2/10/22	2/9/23	2/8/24	2/5/25	2/4/26	-	-