ScoreWhy is Crédit Agricole SA ?
1
Healthy long term growth as Net profit has grown by an annual rate of 8.20%
2
Positive results in Jun 25
- OPERATING CASH FLOW(Y) Highest at EUR 150,975 MM
- ROCE(HY) Highest at 0.31%
- GROSS NPA (%)(Q) Lowest at 1.11%
3
With ROA of 0.19%, it has a Very Attractive valuation with a 0.75 Price to Book Value
- Over the past year, while the stock has generated a return of 30.20%, its profits have risen by 8% ; the PEG ratio of the company is 0.9
4
Consistent Returns over the last 3 years
- Along with generating 30.20% returns in the last 1 year, the stock has outperformed France CAC 40 in each of the last 3 annual periods
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Crédit Agricole SA should be less than 10%
- Overall Portfolio exposure to Regional Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Crédit Agricole SA for you?
Low Risk, High Return
Absolute
Risk Adjusted
Volatility
Crédit Agricole SA
-100.0%
1.42
21.20%
France CAC 40
8.73%
0.52
16.76%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
19.80%
EBIT Growth (5y)
11.36%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
52.16%
Pledged Shares
0
Institutional Holding
0.00%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
8
Industry P/E
Price to Book Value
0.75
EV to EBIT
58.17
EV to EBITDA
50.92
EV to Capital Employed
0.97
EV to Sales
7.77
PEG Ratio
0.94
Dividend Yield
6.67%
ROCE (Latest)
1.66%
ROE (Latest)
9.50%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Mildly Bearish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
No Trend
Mildly Bullish
OBV
No Trend
Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend15What is working for the Company
OPERATING CASH FLOW(Y)
Highest at EUR 150,975 MM
ROCE(HY)
Highest at 0.31%
GROSS NPA (%)
(Q
NII(Q)
Highest at EUR 8,724 MM
OPERATING PROFIT(Q)
Highest at EUR 6,924 MM
OPERATING PROFIT MARGIN(Q)
Highest at 23.24 %
PRE-TAX PROFIT(Q)
Highest at EUR 6,174 MM
NET PROFIT(Q)
Highest at EUR 3,948.56 MM
EPS(Q)
Highest at EUR 1.3
-2What is not working for the Company
ROCE(HY)
Lowest at 0.31%
Here's what is working for Crédit Agricole SA
Non Performing Loans (%)
Lowest at 1.11%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are falling
Non Performing Loans (%)
NII
Highest at EUR 8,724 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (EUR MM)
Operating Cash Flow
Highest at EUR 150,975 MM
in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (EUR MM)
Operating Profit
Highest at EUR 6,924 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (EUR MM)
Operating Profit Margin
Highest at 23.24 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at EUR 6,174 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (EUR MM)
Net Profit
Highest at EUR 3,948.56 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (EUR MM)
EPS
Highest at EUR 1.3
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (EUR)
CASA
Highest at 14%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.
CAR (%)
Here's what is not working for Crédit Agricole SA
Non Operating Income
Highest at EUR 0.1 MM
in the last five periodsMOJO Watch
Increased income from non business activities may not be sustainable
Non Operating income
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
GET THE MARKETSMOJO APP
Company
Stocks
Portfolio
"Investment in securities markets are subject to market risk. Read all the related documents carefully before investing."
