Financials Crédit Agricole S.A.

Equities

Market Closed - Euronext Paris Other stock markets 11:38:09 2025-05-23 am EDT			5-day change	1st Jan Change
17.23 ^EUR	-1.96%		-0.63%	+29.65%

May. 22	French and Benelux stocks-Factors to watch	RE
May. 21	France's Crédit Agricole to Buy Stake in Belgium's Crelan	MT

Fiscal Period: December	2020	2021	2022	2023	2024	2025	2026	2027
Net sales ¹	20,500	22,657	23,801	25,180	27,181	27,873	28,534	29,513
Change	-	10.52%	5.05%	5.79%	7.95%	2.54%	2.37%	3.43%
EBITDA	-	-	-	-	-	-	-	-
Change	-	-	-	-	-	-	-	-
EBIT ¹	7,959	9,047	9,222	11,039	12,286	12,521	12,840	13,326
Change	-	13.67%	1.93%	19.7%	11.3%	1.91%	2.55%	3.78%
Interest Paid	-	-	-	-	-	-	-	-
Earnings before Tax (EBT) ¹	4,588	8,080	7,862	9,546	10,625	10,786	11,098	11,619
Change	-	76.11%	-2.7%	21.42%	11.3%	1.51%	2.89%	4.7%
Net income ¹	2,692	5,844	5,437	6,348	7,087	6,859	7,107	7,453
Change	-	117.09%	-6.96%	16.76%	11.64%	-3.22%	3.62%	4.87%
Announcement Date	2/10/21	2/10/22	2/9/23	2/8/24	2/5/25	-	-	-

¹EUR in Million

Estimates

Fiscal Period: December	2020 Q2	2020 Q3	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
Net sales ¹	4,897	5,151	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	7,017	6,720	6,858	7,437
Change	-	5.19%	1.94%	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%	-3.29%	-4.23%	2.04%	8.44%
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Change	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBIT	1,838	2,160	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	-	-	-	-
Change	-	17.52%	-3.24%	-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%	-	-	-	-
Charge d'intérêts	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Earnings before Tax (EBT) ¹	1,166	1,650	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	2,985	-	-	-
Change	-	41.51%	-56.85%	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%	2.93%	-	-	-
Net income ¹	954	977	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	1,930	-	-	-
Change	-	2.41%	-87.31%	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%	5.81%	-	-	-
Announcement Date	8/6/20	11/4/20	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	-	-	-	-

¹EUR in Million

Estimates

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	-	-	-

Estimates

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

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%	44.92%	45%	45.15%
EBT Margin (%)	-	22.38%	35.66%	33.03%	37.91%	39.09%	38.7%	38.89%	39.37%
Net margin (%)	-	13.13%	25.79%	22.84%	25.21%	26.07%	24.61%	24.91%	25.25%
FCF margin (%)	-	-	-	-	-	-	-	-	-
FCF / Net Income (%)	-	-	-	-	-	-	-	-	-
Profitability
ROA	-	0.21%	0.29%	0.26%	0.29%	0.32%	0.26%	0.27%	0.28%
ROE	-	6.01%	8.09%	8.19%	9.23%	9.72%	9.07%	9.13%	9.28%
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	1.095	1.167	1.236
Change	-	-	238.71%	0%	0%	4.76%	-0.47%	6.59%	5.91%
Book Value Per Share ¹	-	19	19.2	19.5	20.4	21.6	22.85	24.05	25.05
Change	-	-	1.05%	1.56%	4.62%	5.88%	5.8%	5.25%	4.13%
EPS ¹	-	0.804	1.84	1.68	1.94	2.11	2.164	2.292	2.41
Change	-	-	128.86%	-8.7%	15.48%	8.76%	2.54%	5.95%	5.14%
Nbr of stocks (in thousands)	-	2,882,000	3,010,151	3,022,816	3,051,657	3,040,203	3,025,087	3,025,087	3,025,087
Announcement Date	-	2/10/21	2/10/22	2/9/23	2/8/24	2/5/25	-	-	-