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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 N/A
CRARF's Cash to Debt is ranked higher than
90% of the 984 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 1.36 vs. CRARF: N/A )
Ranked among companies with meaningful Cash to Debt only.
CRARF' s 10-Year Cash to Debt Range
Min: N/A  Med: 9999.00 Max: N/A
Current: N/A
Equity to Asset 0.03
CRARF's Equity to Asset is ranked lower than
99% of the 1355 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 0.10 vs. CRARF: 0.03 )
Ranked among companies with meaningful Equity to Asset only.
CRARF' s 10-Year Equity to Asset Range
Min: 0.02  Med: 0.03 Max: 0.05
Current: 0.03
0.02
0.05
Interest Coverage No Debt
CRARF's Interest Coverage is ranked higher than
99% of the 1272 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 1.60 vs. CRARF: No Debt )
Ranked among companies with meaningful Interest Coverage only.
CRARF' s 10-Year Interest Coverage Range
Min: 0.03  Med: 0.11 Max: 0.18
Current: No Debt
0.03
0.18
F-Score: 4
WACC vs ROIC
8.90%
1.53%
WACC
ROIC
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 (%) 0.45
CRARF's Operating margin (%) is ranked lower than
92% of the 1425 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 30.25 vs. CRARF: 0.45 )
Ranked among companies with meaningful Operating margin (%) only.
CRARF' s 10-Year Operating margin (%) Range
Min: 0.98  Med: 10.06 Max: 32.25
Current: 0.45
0.98
32.25
Net-margin (%) 2.65
CRARF's Net-margin (%) is ranked lower than
92% of the 1425 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 22.01 vs. CRARF: 2.65 )
Ranked among companies with meaningful Net-margin (%) only.
CRARF' s 10-Year Net-margin (%) Range
Min: -12.78  Med: 8.38 Max: 32.86
Current: 2.65
-12.78
32.86
ROE (%) 3.35
CRARF's ROE (%) is ranked lower than
82% of the 1427 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 8.44 vs. CRARF: 3.35 )
Ranked among companies with meaningful ROE (%) only.
CRARF' s 10-Year ROE (%) Range
Min: -15.6  Med: 5.07 Max: 15.14
Current: 3.35
-15.6
15.14
ROA (%) 0.12
CRARF's ROA (%) is ranked lower than
90% of the 1436 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 0.87 vs. CRARF: 0.12 )
Ranked among companies with meaningful ROA (%) only.
CRARF' s 10-Year ROA (%) Range
Min: -0.39  Med: 0.15 Max: 0.46
Current: 0.12
-0.39
0.46
Revenue Growth (3Y)(%) 38.10
CRARF's Revenue Growth (3Y)(%) is ranked higher than
96% of the 1215 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 2.10 vs. CRARF: 38.10 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
CRARF' s 10-Year Revenue Growth (3Y)(%) Range
Min: -9.8  Med: 3.60 Max: 38.1
Current: 38.1
-9.8
38.1
EBITDA Growth (3Y)(%) 11.90
CRARF's EBITDA Growth (3Y)(%) is ranked higher than
63% of the 1072 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 7.60 vs. CRARF: 11.90 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
CRARF' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -43.9  Med: 11.90 Max: 125.3
Current: 11.9
-43.9
125.3
» CRARF's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

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Ratios

vs
industry
vs
history
P/E(ttm) 18.57
CRARF's P/E(ttm) is ranked lower than
78% of the 1293 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 13.10 vs. CRARF: 18.57 )
Ranked among companies with meaningful P/E(ttm) only.
CRARF' s 10-Year P/E(ttm) Range
Min: 7.75  Med: 21.13 Max: 115.08
Current: 18.57
7.75
115.08
Forward P/E 8.65
CRARF's Forward P/E is ranked higher than
77% of the 714 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 11.85 vs. CRARF: 8.65 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 17.70
CRARF's PE(NRI) is ranked lower than
74% of the 1291 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 13.20 vs. CRARF: 17.70 )
Ranked among companies with meaningful PE(NRI) only.
CRARF' s 10-Year PE(NRI) Range
Min: 7.84  Med: 20.82 Max: 167.5
Current: 17.7
7.84
167.5
P/B 0.60
CRARF's P/B is ranked higher than
82% of the 1370 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 1.06 vs. CRARF: 0.60 )
Ranked among companies with meaningful P/B only.
CRARF' s 10-Year P/B Range
Min: 0.16  Med: 0.47 Max: 0.73
Current: 0.6
0.16
0.73
P/S 0.52
CRARF's P/S is ranked higher than
98% of the 1409 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 2.86 vs. CRARF: 0.52 )
Ranked among companies with meaningful P/S only.
CRARF' s 10-Year P/S Range
Min: 0.11  Med: 0.46 Max: 9.19
Current: 0.52
0.11
9.19
EV-to-EBIT 136.08
CRARF's EV-to-EBIT is ranked lower than
97% of the 1284 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 13.41 vs. CRARF: 136.08 )
Ranked among companies with meaningful EV-to-EBIT only.
CRARF' s 10-Year EV-to-EBIT Range
Min: -564.6  Med: 6.80 Max: 132.1
Current: 136.08
-564.6
132.1
PEG 0.67
CRARF's PEG is ranked higher than
67% of the 619 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 1.00 vs. CRARF: 0.67 )
Ranked among companies with meaningful PEG only.
CRARF' s 10-Year PEG Range
Min: 0  Med: 0.00 Max: 0
Current: 0.67

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.96
CRARF's Dividend Yield is ranked higher than
53% of the 2258 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 2.76 vs. CRARF: 2.96 )
Ranked among companies with meaningful Dividend Yield only.
CRARF' s 10-Year Dividend Yield Range
Min: 2.44  Med: 4.00 Max: 15.08
Current: 2.96
2.44
15.08
Dividend Payout 0.28
CRARF's Dividend Payout is ranked higher than
60% of the 1330 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 0.33 vs. CRARF: 0.28 )
Ranked among companies with meaningful Dividend Payout only.
CRARF' s 10-Year Dividend Payout Range
Min: 0.99  Med: 2.83 Max: 11.29
Current: 0.28
0.99
11.29
Dividend growth (3y) -8.00
CRARF's Dividend growth (3y) is ranked lower than
80% of the 674 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 7.40 vs. CRARF: -8.00 )
Ranked among companies with meaningful Dividend growth (3y) only.
CRARF' s 10-Year Dividend growth (3y) Range
Min: -100  Med: -19.60 Max: 30.2
Current: -8
-100
30.2
Yield on cost (5-Year) 2.96
CRARF's Yield on cost (5-Year) is ranked lower than
55% of the 2253 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 3.23 vs. CRARF: 2.96 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
CRARF' s 10-Year Yield on cost (5-Year) Range
Min: 2.44  Med: 4.00 Max: 15.08
Current: 2.96
2.44
15.08
Share Buyback Rate -1.40
CRARF's Share Buyback Rate is ranked higher than
54% of the 1013 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: -1.90 vs. CRARF: -1.40 )
Ranked among companies with meaningful Share Buyback Rate only.
CRARF' s 10-Year Share Buyback Rate Range
Min: -1.4  Med: -6.90 Max: -14.7
Current: -1.4

Valuation & Return

vs
industry
vs
history
Earnings Yield (Greenblatt) (%) 0.77
CRARF's Earnings Yield (Greenblatt) (%) is ranked lower than
88% of the 1408 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 6.80 vs. CRARF: 0.77 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
CRARF' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 0.77  Med: 8.20 Max: 19.2
Current: 0.77
0.77
19.2

Analyst Estimate

Dec15 Dec16 Dec17
Revenue(Mil) 19,344 20,557 20,758
EPS($) 1.17 1.48 1.67
EPS without NRI($) 1.17 1.48 1.67

Business Description

Industry: Banks » Banks - Regional - Europe
Compare: » details
Traded in other countries:ACA.Switzerland, 0HAI.UK, ACA.France, ACA.Italy, XCA.Germany,
Crédit Agricole 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 has a network of 7,018 branches, plus 6,497 in-store servicing points installed in small retailers that provide their customers with various financial products and services. The bank also provide their customers with various remote banking solutions. The Bank operates in six lines of segments namely French retail banking, French retail banking - LCL, International retail banking, Savings management and Insurance, Specialised financial services and Corporate and investment banking.
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