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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 : 5/10

vs
industry
vs
history
Equity to Asset 0.04
CRARF's Equity to Asset is ranked lower than
97% of the 1660 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: 0.03  Med: 0.03 Max: 0.04
Current: 0.04
0.03
0.04
F-Score: 4
WACC vs ROIC
8.04%
1.88%
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 (%) 4.45
CRARF's Operating margin (%) is ranked lower than
91% of the 1677 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 31.23 vs. CRARF: 4.45 )
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: 4.45
0.98
32.25
Net-margin (%) 4.72
CRARF's Net-margin (%) is ranked lower than
91% of the 1680 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 22.64 vs. CRARF: 4.72 )
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: 4.72
-13.72
32.48
ROE (%) 6.75
CRARF's ROE (%) is ranked lower than
62% of the 1675 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 8.42 vs. CRARF: 6.75 )
Ranked among companies with meaningful ROE (%) only.
CRARF' s ROE (%) Range Over the Past 10 Years
Min: -15.4  Med: 3.92 Max: 14.95
Current: 6.75
-15.4
14.95
ROA (%) 0.23
CRARF's ROA (%) is ranked lower than
86% of the 1684 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 0.89 vs. CRARF: 0.23 )
Ranked among companies with meaningful ROA (%) only.
CRARF' s ROA (%) Range Over the Past 10 Years
Min: -0.38  Med: 0.13 Max: 0.45
Current: 0.23
-0.38
0.45
Revenue Growth (3Y)(%) 3.00
CRARF's Revenue Growth (3Y)(%) is ranked higher than
50% of the 1369 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 2.90 vs. CRARF: 3.00 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
CRARF' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -9.8  Med: 3.85 Max: 37
Current: 3
-9.8
37
EBITDA Growth (3Y)(%) 33.60
CRARF's EBITDA Growth (3Y)(%) is ranked higher than
89% of the 1263 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 6.40 vs. CRARF: 33.60 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
CRARF' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -44  Med: 15.00 Max: 125.8
Current: 33.6
-44
125.8
» CRARF's 10-Y Financials

Financials (Next Earnings Date: Est. 2016-05-06)


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

» Details

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Ratios

vs
industry
vs
history
P/E(ttm) 7.37
CRARF's P/E(ttm) is ranked higher than
79% of the 1570 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 12.56 vs. CRARF: 7.37 )
Ranked among companies with meaningful P/E(ttm) only.
CRARF' s P/E(ttm) Range Over the Past 10 Years
Min: 6.09  Med: 20.52 Max: 45.61
Current: 7.37
6.09
45.61
Forward P/E 8.16
CRARF's Forward P/E is ranked higher than
86% of the 368 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 11.76 vs. CRARF: 8.16 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 7.10
CRARF's PE(NRI) is ranked higher than
81% of the 1570 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 12.56 vs. CRARF: 7.10 )
Ranked among companies with meaningful PE(NRI) only.
CRARF' s PE(NRI) Range Over the Past 10 Years
Min: 5.88  Med: 20.71 Max: 55.52
Current: 7.1
5.88
55.52
P/B 0.47
CRARF's P/B is ranked higher than
85% of the 1642 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 1.04 vs. CRARF: 0.47 )
Ranked among companies with meaningful P/B only.
CRARF' s P/B Range Over the Past 10 Years
Min: 0.16  Med: 0.49 Max: 0.73
Current: 0.47
0.16
0.73
P/S 0.34
CRARF's P/S is ranked higher than
98% of the 1637 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 2.93 vs. CRARF: 0.34 )
Ranked among companies with meaningful P/S only.
CRARF' s P/S Range Over the Past 10 Years
Min: 0.11  Med: 0.43 Max: 9.18
Current: 0.34
0.11
9.18
EV-to-EBIT 57.15
CRARF's EV-to-EBIT is ranked lower than
94% of the 1503 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 13.40 vs. CRARF: 57.15 )
Ranked among companies with meaningful EV-to-EBIT only.
CRARF' s EV-to-EBIT Range Over the Past 10 Years
Min: -572.3  Med: 7.05 Max: 130.1
Current: 57.15
-572.3
130.1
EV-to-EBITDA 57.15
CRARF's EV-to-EBITDA is ranked lower than
95% of the 1507 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 12.24 vs. CRARF: 57.15 )
Ranked among companies with meaningful EV-to-EBITDA only.
CRARF' s EV-to-EBITDA Range Over the Past 10 Years
Min: -572.3  Med: 7.05 Max: 130.1
Current: 57.15
-572.3
130.1
PEG 0.32
CRARF's PEG is ranked higher than
89% of the 724 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 1.03 vs. CRARF: 0.32 )
Ranked among companies with meaningful PEG only.
CRARF' s PEG Range Over the Past 10 Years
Min: 0.42  Med: 2.91 Max: 15.71
Current: 0.32
0.42
15.71

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.52
CRARF's Dividend Yield is ranked higher than
64% of the 2098 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 2.90 vs. CRARF: 3.52 )
Ranked among companies with meaningful Dividend Yield only.
CRARF' s Dividend Yield Range Over the Past 10 Years
Min: 2.44  Med: 3.86 Max: 15.1
Current: 3.52
2.44
15.1
Dividend Payout 0.29
CRARF's Dividend Payout is ranked higher than
58% of the 1273 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 0.34 vs. CRARF: 0.29 )
Ranked among companies with meaningful Dividend Payout only.
CRARF' s Dividend Payout Range Over the Past 10 Years
Min: 0.19  Med: 0.50 Max: 2.21
Current: 0.29
0.19
2.21
Forward Dividend Yield 5.93
CRARF's Forward Dividend Yield is ranked higher than
88% of the 1965 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 2.74 vs. CRARF: 5.93 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 3.52
CRARF's Yield on cost (5-Year) is ranked higher than
54% of the 2495 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 3.43 vs. CRARF: 3.52 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
CRARF' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 2.44  Med: 3.86 Max: 15.1
Current: 3.52
2.44
15.1
3-Year Average Share Buyback Ratio -1.80
CRARF's 3-Year Average Share Buyback Ratio is ranked higher than
52% of the 1112 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: -2.00 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: -14.7  Med: -6.65 Max: -1.4
Current: -1.8
-14.7
-1.4

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.66
CRARF's Price/Tangible Book is ranked higher than
78% of the 1634 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 1.11 vs. CRARF: 0.66 )
Ranked among companies with meaningful Price/Tangible Book only.
CRARF' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.47  Med: 0.91 Max: 2.82
Current: 0.66
0.47
2.82
Price/Median PS Value 0.78
CRARF's Price/Median PS Value is ranked higher than
81% of the 1548 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 1.01 vs. CRARF: 0.78 )
Ranked among companies with meaningful Price/Median PS Value only.
CRARF' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.38  Med: 1.96 Max: 5.59
Current: 0.78
0.38
5.59
Price/Graham Number 0.46
CRARF's Price/Graham Number is ranked higher than
80% of the 1461 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 0.82 vs. CRARF: 0.46 )
Ranked among companies with meaningful Price/Graham Number only.
CRARF' s Price/Graham Number Range Over the Past 10 Years
Min: 0.54  Med: 0.87 Max: 1.59
Current: 0.46
0.54
1.59
Earnings Yield (Greenblatt) (%) 1.70
CRARF's Earnings Yield (Greenblatt) (%) is ranked lower than
85% of the 1644 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 6.90 vs. CRARF: 1.70 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
CRARF' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 0.8  Med: 8.10 Max: 19.5
Current: 1.7
0.8
19.5

More Statistics

Revenue(Mil) $83697
EPS $ 1.48
Beta1.10
Short Percentage of Float0.00%
52-Week Range $9.08 - 16.18
Shares Outstanding(Mil)2635.30

Analyst Estimate

Dec16 Dec17 Dec18
Revenue(Mil) 19,112 20,106 20,812
EPS($) 1.43 1.29 1.40
EPS without NRI($) 1.43 1.29 1.40

Business Description

Industry: Banks » Banks - Regional - Europe
Compare:MIL:CRGR, LSE:LLOY, XPAR:BNP, MIL:UCGR, MIL:ISP, OTCPK:SBRCY » details
Traded in other countries:ACA.France, XCA.Germany, ACA.Italy, ACA.Switzerland, 0HAI.UK,
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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