Switch to:
Also traded in: France, Germany, Italy, Switzerland, UK

GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 7/10

vs
industry
vs
history
Cash-to-Debt No Debt
CRARF's Cash-to-Debt is ranked higher than
95% of the 1610 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 2.14 vs. CRARF: No Debt )
Ranked among companies with meaningful Cash-to-Debt only.
CRARF' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.22  Med: No Debt Max: No Debt
Current: No Debt
Equity-to-Asset 0.04
CRARF's Equity-to-Asset is ranked lower than
97% of the 1614 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 0.10 vs. CRARF: 0.04 )
Ranked among companies with meaningful Equity-to-Asset only.
CRARF' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.02  Med: 0.03 Max: 0.05
Current: 0.04
0.02
0.05
Interest Coverage 0.14
CRARF's Interest Coverage is ranked lower than
96% of the 1610 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 1.66 vs. CRARF: 0.14 )
Ranked among companies with meaningful Interest Coverage only.
CRARF' s Interest Coverage Range Over the Past 10 Years
Min: 0.04  Med: 0.1 Max: 0.23
Current: 0.14
0.04
0.23
Piotroski F-Score: 4
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 6/10

vs
industry
vs
history
Operating Margin % 4.07
CRARF's Operating Margin % is ranked lower than
90% of the 1627 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 31.10 vs. CRARF: 4.07 )
Ranked among companies with meaningful Operating Margin % only.
CRARF' s Operating Margin % Range Over the Past 10 Years
Min: 0.98  Med: 5.22 Max: 32.25
Current: 4.07
0.98
32.25
Net Margin % 4.40
CRARF's Net Margin % is ranked lower than
89% of the 1625 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 22.46 vs. CRARF: 4.40 )
Ranked among companies with meaningful Net Margin % only.
CRARF' s Net Margin % Range Over the Past 10 Years
Min: -13.72  Med: 7.25 Max: 32.48
Current: 4.4
-13.72
32.48
ROE % 7.03
CRARF's ROE % is ranked lower than
62% of the 1623 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 8.50 vs. CRARF: 7.03 )
Ranked among companies with meaningful ROE % only.
CRARF' s ROE % Range Over the Past 10 Years
Min: -15.28  Med: 3.8 Max: 15.18
Current: 7.03
-15.28
15.18
ROA % 0.25
CRARF's ROA % is ranked lower than
84% of the 1632 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 0.90 vs. CRARF: 0.25 )
Ranked among companies with meaningful ROA % only.
CRARF' s ROA % Range Over the Past 10 Years
Min: -0.38  Med: 0.13 Max: 0.46
Current: 0.25
-0.38
0.46
3-Year Revenue Growth Rate -0.70
CRARF's 3-Year Revenue Growth Rate is ranked lower than
57% of the 1366 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 4.20 vs. CRARF: -0.70 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
CRARF' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -11.7  Med: 4.9 Max: 27.1
Current: -0.7
-11.7
27.1
3-Year EBITDA Growth Rate 28.90
CRARF's 3-Year EBITDA Growth Rate is ranked higher than
90% of the 1264 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 5.20 vs. CRARF: 28.90 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
CRARF' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -44.1  Med: 9.7 Max: 109.3
Current: 28.9
-44.1
109.3
GuruFocus has detected 4 Warning Signs with Credit Agricole SA $CRARF.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» CRARF's 10-Y Financials

Financials (Next Earnings Date: 2017-05-11)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Insider Trades

Latest Guru Trades with CRARF

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

No Entry found in the selected group of Gurus. You can
  • 1. Modify your Personalized List of Gurus, or
  • 2. Click on Premium Premium Tools above to check out all the Gurus, or
  • 3. Click on Premium Plus Premium Plus above for the stocks picks of all the institutional investment advisors (>4000)
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Business Description

Industry: Banks » Banks - Regional - Europe    NAICS: 522110 
Compare:OTCPK:SCGLY, OTCPK:DNKEY, OTCPK:IITSF, OTCPK:DNBHF, OTCPK:SWDBF, NYSE:DB, OTCPK:KBCSY, OTCPK:SVKEF, OTCPK:NRDEF, OTCPK:NTXFF, OTCPK:UNCFF, OTCPK:AIBSF, OTCPK:BNKXF, OTCPK:EBKDY, OTCPK:TKGBY, OTCPK:AKBTY, OTCPK:CRZBY, OTCPK:LLDTF, OTCPK:IRLBF, OTCPK:MDIBY » details
Traded in other countries:ACA.France, XCA.Germany, ACA.Italy, ACA.Switzerland, 0HAI.UK,
Crédit Agricole acts as the central bank of the Group, coordinates its sales and marketing strategy and ensures the liquidity & solvency of each of the Caisses Regionales.

Crédit Agricole SA was incorporated in France. The Company is a co-operative bank that operates in the areas of retail banking markets in France. It provides assistance to the individuals, farmers, small businesses and cooperates. The Company also provide their customers with various remote banking solutions. Its operating business segments are French retail banking, French retail banking - LCL, International retail banking, Savings management and Insurance, Specialised financial services and Corporate and investment banking.

Ratios

vs
industry
vs
history
PE Ratio 10.73
CRARF's PE Ratio is ranked higher than
68% of the 1585 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 14.23 vs. CRARF: 10.73 )
Ranked among companies with meaningful PE Ratio only.
CRARF' s PE Ratio Range Over the Past 10 Years
Min: 6.41  Med: 15.99 Max: 48.89
Current: 10.73
6.41
48.89
Forward PE Ratio 10.92
CRARF's Forward PE Ratio is ranked higher than
76% of the 390 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 16.21 vs. CRARF: 10.92 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 11.73
CRARF's PE Ratio without NRI is ranked higher than
62% of the 1517 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 14.53 vs. CRARF: 11.73 )
Ranked among companies with meaningful PE Ratio without NRI only.
CRARF' s PE Ratio without NRI Range Over the Past 10 Years
Min: 7.7  Med: 18.61 Max: 121.42
Current: 11.73
7.7
121.42
PB Ratio 3.54
CRARF's PB Ratio is ranked lower than
96% of the 1683 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 1.19 vs. CRARF: 3.54 )
Ranked among companies with meaningful PB Ratio only.
CRARF' s PB Ratio Range Over the Past 10 Years
Min: 0.38  Med: 0.67 Max: 3.54
Current: 3.54
0.38
3.54
PS Ratio 0.44
CRARF's PS Ratio is ranked higher than
98% of the 1674 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 3.44 vs. CRARF: 0.44 )
Ranked among companies with meaningful PS Ratio only.
CRARF' s PS Ratio Range Over the Past 10 Years
Min: 0.28  Med: 0.37 Max: 0.48
Current: 0.44
0.28
0.48
EV-to-EBIT -3.46
CRARF's EV-to-EBIT is ranked lower than
99.99% of the 1281 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 12.38 vs. CRARF: -3.46 )
Ranked among companies with meaningful EV-to-EBIT only.
CRARF' s EV-to-EBIT Range Over the Past 10 Years
Min: -433  Med: -19.3 Max: 138.4
Current: -3.46
-433
138.4
EV-to-EBITDA -3.46
CRARF's EV-to-EBITDA is ranked lower than
99.99% of the 1295 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 11.35 vs. CRARF: -3.46 )
Ranked among companies with meaningful EV-to-EBITDA only.
CRARF' s EV-to-EBITDA Range Over the Past 10 Years
Min: -433  Med: -19.3 Max: 138.4
Current: -3.46
-433
138.4
PEG Ratio 0.96
CRARF's PEG Ratio is ranked higher than
67% of the 793 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 1.44 vs. CRARF: 0.96 )
Ranked among companies with meaningful PEG Ratio only.
CRARF' s PEG Ratio Range Over the Past 10 Years
Min: 0.6  Med: 13.24 Max: 25.16
Current: 0.96
0.6
25.16

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 5.54
CRARF's Dividend Yield % is ranked higher than
87% of the 2302 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 2.67 vs. CRARF: 5.54 )
Ranked among companies with meaningful Dividend Yield % only.
CRARF' s Dividend Yield % Range Over the Past 10 Years
Min: 2.5  Med: 3.5 Max: 7.95
Current: 5.54
2.5
7.95
Forward Dividend Yield % 5.54
CRARF's Forward Dividend Yield % is ranked higher than
86% of the 2243 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 2.84 vs. CRARF: 5.54 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 5.54
CRARF's 5-Year Yield-on-Cost % is ranked higher than
74% of the 2646 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 3.34 vs. CRARF: 5.54 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
CRARF' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 2.5  Med: 3.5 Max: 7.95
Current: 5.54
2.5
7.95
3-Year Average Share Buyback Ratio -1.80
CRARF's 3-Year Average Share Buyback Ratio is ranked higher than
51% of the 1063 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: -2.10 vs. CRARF: -1.80 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
CRARF' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -12.9  Med: -3.35 Max: 0
Current: -1.8
-12.9
0

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 4.08
CRARF's Price-to-Tangible-Book is ranked lower than
97% of the 1680 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 1.23 vs. CRARF: 4.08 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
CRARF' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.51  Med: 0.75 Max: 4.17
Current: 4.08
0.51
4.17
Price-to-Intrinsic-Value-Projected-FCF 4.33
CRARF's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
99.99% of the 911 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 0.84 vs. CRARF: 4.33 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
CRARF' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0  Med: 0.66 Max: 4.33
Current: 4.33
0
4.33
Price-to-Median-PS-Value 1.03
CRARF's Price-to-Median-PS-Value is ranked higher than
59% of the 1545 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 1.16 vs. CRARF: 1.03 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
CRARF' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.75  Med: 0.96 Max: 1.31
Current: 1.03
0.75
1.31
Price-to-Graham-Number 1.81
CRARF's Price-to-Graham-Number is ranked lower than
94% of the 1465 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 0.95 vs. CRARF: 1.81 )
Ranked among companies with meaningful Price-to-Graham-Number only.
CRARF' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.42  Med: 1.11 Max: 2.21
Current: 1.81
0.42
2.21
Earnings Yield (Greenblatt) % -28.90
CRARF's Earnings Yield (Greenblatt) % is ranked lower than
94% of the 1696 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 5.70 vs. CRARF: -28.90 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
CRARF' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: -28.9  Med: 67.85 Max: 400.5
Current: -28.9
-28.9
400.5

More Statistics

Revenue (TTM) (Mil) $80,395
EPS (TTM) $ 1.20
Beta1.60
Short Percentage of Float0.00%
52-Week Range $7.97 - 13.50
Shares Outstanding (Mil)2,804.20

Analyst Estimate

Dec16 Dec17 Dec18 Dec19
Revenue (Mil $) 18,150 19,342 21,357 22,821
EPS ($) 1.20 1.12 1.43 1.59
EPS without NRI ($) 1.20 1.12 1.43 1.59
EPS Growth Rate
(Future 3Y To 5Y Estimate)
0.90%
Dividends per Share ($) 0.64 0.65 0.72 0.79
» More Articles for CRARF

Headlines

Articles On GuruFocus.com
Sarah Ketterer's Causeway International Value Fund Buys 7 Stocks from Around the World Mar 03 2014 

More From Other Websites
JPMorgan Heads to Court as Euribor Trio Fights $514 Million Fine Feb 23 2017
Crédit Agricole SA :CRARF-US: Earnings Analysis: 2016 By the Numbers : February 21, 2017 Feb 21 2017
Crédit Agricole SA :CRARF-US: Earnings Analysis: Q4, 2016 By the Numbers : February 17, 2017 Feb 17 2017
Credit Agricole Quarterly Profit Drops on LCL Goodwill Charge Feb 15 2017
Credit Agricole Shares Rise as French Retail Profit Climbs Feb 15 2017
Agency Bond Traders Said to Face Questions in Rigging Probe Feb 01 2017
The Zacks Analyst Blog Highlights: Deutsche Lufthansa Aktiengesellschaft, Societe Generale Group,... Dec 21 2016
Exclusive: Top French banks sue ECB to reduce capital demands Dec 20 2016
Exclusive: Top French banks sue ECB to reduce capital demands Dec 20 2016
Exclusive - Top French banks sue ECB to reduce capital demands Dec 20 2016
Exclusive: Top French banks sue ECB to reduce capital demands Dec 20 2016
A Bond with an Identity Crisis Dec 14 2016
European Stocks Cautiously Stronger in Final Hours Ahead of U.S. Presidential Election Nov 08 2016
Credit Agricole Stock Hits Seven-Month High After Trading Revenues Boost Third Quarter Nov 08 2016
Credit Agricole Jumps as Trading Fuels Surge in Profit Nov 08 2016
Selloff in European Bonds Reaching Limits, Credit Agricole Says Oct 14 2016
Credit Agricole set to boost shipping provisions as sector gloom deepens Sep 30 2016
Technical glitch hampers Credit Agricole CIB move to new Paris HQ Sep 20 2016
The Bond World's Most Elite Club Isn't What It Used to Be Sep 12 2016
Bond-Trader Challenges Playout for Credit Agricole Sep 12 2016

Personalized Checklist

Checklist has been moved to "Checklist" tab.

Get WordPress Plugins for easy affiliate links on Stock Tickers and Guru Names | Earn affiliate commissions by embedding GuruFocus Charts
GuruFocus Affiliate Program: Earn up to $400 per referral. ( Learn More)