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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 : 6/10

vs
industry
vs
history
Cash-to-Debt No Debt
CRARF's Cash-to-Debt is ranked higher than
95% of the 1482 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 1.92 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: 0.26  Med: No Debt Max: No Debt
Current: No Debt
Interest Coverage 0.34
CRARF's Interest Coverage is ranked lower than
88% of the 1576 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 1.67 vs. CRARF: 0.34 )
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: 0.55
Current: 0.34
0.04
0.55
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 : 5/10

vs
industry
vs
history
Operating Margin % 9.51
CRARF's Operating Margin % is ranked lower than
87% of the 1497 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 30.60 vs. CRARF: 9.51 )
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: 15.72
Current: 9.51
0.98
15.72
Net Margin % 5.68
CRARF's Net Margin % is ranked lower than
88% of the 1496 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 21.84 vs. CRARF: 5.68 )
Ranked among companies with meaningful Net Margin % only.
CRARF' s Net Margin % Range Over the Past 10 Years
Min: -13.72  Med: 7.62 Max: 27.17
Current: 5.68
-13.72
27.17
ROE % 7.82
CRARF's ROE % is ranked lower than
54% of the 1495 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 8.26 vs. CRARF: 7.82 )
Ranked among companies with meaningful ROE % only.
CRARF' s ROE % Range Over the Past 10 Years
Min: -15.4  Med: 3.91 Max: 10.78
Current: 7.82
-15.4
10.78
ROA % 0.36
CRARF's ROA % is ranked lower than
78% of the 1504 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 0.87 vs. CRARF: 0.36 )
Ranked among companies with meaningful ROA % only.
CRARF' s ROA % Range Over the Past 10 Years
Min: -0.38  Med: 0.13 Max: 0.37
Current: 0.36
-0.38
0.37
3-Year Revenue Growth Rate 7.90
CRARF's 3-Year Revenue Growth Rate is ranked higher than
69% of the 1300 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 3.80 vs. CRARF: 7.90 )
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: -7.3  Med: 7.9 Max: 37
Current: 7.9
-7.3
37
3-Year EBITDA Growth Rate 5.30
CRARF's 3-Year EBITDA Growth Rate is ranked lower than
52% of the 1210 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 6.10 vs. CRARF: 5.30 )
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: -42.5  Med: 11.9 Max: 125.8
Current: 5.3
-42.5
125.8
3-Year EPS without NRI Growth Rate 19.90
CRARF's 3-Year EPS without NRI Growth Rate is ranked higher than
78% of the 1174 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 7.30 vs. CRARF: 19.90 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
CRARF' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -47.7  Med: 13.3 Max: 55.5
Current: 19.9
-47.7
55.5
GuruFocus has detected 2 Warning Signs with Credit Agricole SA $CRARF.
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» 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

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Business Description

Industry: Banks » Banks - Regional - Europe    NAICS: 522110 
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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.

Credit Agricole is the second- largest lender in France's cozy three-bank oligopoly and has deep rural roots. It is majority-owned by a group of 39 regional French banks and in turn owns about a 25% stake in each of them. Credit Agricole also owns an investment bank, which has shrunk significantly since 2009; a large asset management and private banking operation; a French urban retail bank; and an Italian retail and commercial bank. The group has about 8,000 branches in France, 900 in Italy, and 400 in Poland.

Ratios

vs
industry
vs
history
PE Ratio 6.82
CRARF's PE Ratio is ranked higher than
86% of the 1638 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 14.36 vs. CRARF: 6.82 )
Ranked among companies with meaningful PE Ratio only.
CRARF' s PE Ratio Range Over the Past 10 Years
Min: 3.44  Med: 20 Max: 50.28
Current: 6.82
3.44
50.28
Forward PE Ratio 11.53
CRARF's Forward PE Ratio is ranked higher than
76% of the 407 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 16.26 vs. CRARF: 11.53 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 7.22
CRARF's PE Ratio without NRI is ranked higher than
85% of the 1595 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 14.62 vs. CRARF: 7.22 )
Ranked among companies with meaningful PE Ratio without NRI only.
CRARF' s PE Ratio without NRI Range Over the Past 10 Years
Min: 3.66  Med: 21.07 Max: 94.87
Current: 7.22
3.66
94.87
PB Ratio 0.35
CRARF's PB Ratio is ranked higher than
93% of the 1552 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 1.17 vs. CRARF: 0.35 )
Ranked among companies with meaningful PB Ratio only.
CRARF' s PB Ratio Range Over the Past 10 Years
Min: 0.16  Med: 0.45 Max: 9.21
Current: 0.35
0.16
9.21
PS Ratio 1.25
CRARF's PS Ratio is ranked higher than
89% of the 1539 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 3.41 vs. CRARF: 1.25 )
Ranked among companies with meaningful PS Ratio only.
CRARF' s PS Ratio Range Over the Past 10 Years
Min: 0.11  Med: 0.43 Max: 9.18
Current: 1.25
0.11
9.18
EV-to-EBIT 1.02
CRARF's EV-to-EBIT is ranked higher than
96% of the 1204 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 12.59 vs. CRARF: 1.02 )
Ranked among companies with meaningful EV-to-EBIT only.
CRARF' s EV-to-EBIT Range Over the Past 10 Years
Min: -423.5  Med: -0.6 Max: 1431.2
Current: 1.02
-423.5
1431.2
EV-to-EBITDA 0.55
CRARF's EV-to-EBITDA is ranked higher than
98% of the 1219 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 11.36 vs. CRARF: 0.55 )
Ranked among companies with meaningful EV-to-EBITDA only.
CRARF' s EV-to-EBITDA Range Over the Past 10 Years
Min: -423.5  Med: -0.6 Max: 1431.2
Current: 0.55
-423.5
1431.2
PEG Ratio 1.91
CRARF's PEG Ratio is ranked lower than
62% of the 767 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 1.42 vs. CRARF: 1.91 )
Ranked among companies with meaningful PEG Ratio only.
CRARF' s PEG Ratio Range Over the Past 10 Years
Min: 0.28  Med: 5.55 Max: 26.13
Current: 1.91
0.28
26.13

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 5.11
CRARF's Dividend Yield % is ranked higher than
88% of the 2308 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 2.66 vs. CRARF: 5.11 )
Ranked among companies with meaningful Dividend Yield % only.
CRARF' s Dividend Yield % Range Over the Past 10 Years
Min: 2.44  Med: 4.14 Max: 15.1
Current: 5.11
2.44
15.1
Dividend Payout Ratio 0.35
CRARF's Dividend Payout Ratio is ranked lower than
55% of the 1308 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 0.33 vs. CRARF: 0.35 )
Ranked among companies with meaningful Dividend Payout Ratio only.
CRARF' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.15  Med: 0.5 Max: 2.21
Current: 0.35
0.15
2.21
Forward Dividend Yield % 5.11
CRARF's Forward Dividend Yield % is ranked higher than
87% of the 2276 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 2.87 vs. CRARF: 5.11 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 5.11
CRARF's 5-Year Yield-on-Cost % is ranked higher than
76% of the 2646 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 3.10 vs. CRARF: 5.11 )
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: 2.44  Med: 4.13 Max: 15.1
Current: 5.11
2.44
15.1
3-Year Average Share Buyback Ratio -5.40
CRARF's 3-Year Average Share Buyback Ratio is ranked lower than
67% of the 997 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: -1.60 vs. CRARF: -5.40 )
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: -4 Max: 0
Current: -5.4
-12.9
0

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 0.41
CRARF's Price-to-Tangible-Book is ranked higher than
91% of the 1534 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 1.24 vs. CRARF: 0.41 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
CRARF' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.37  Med: 0.89 Max: 2.82
Current: 0.41
0.37
2.82
Price-to-Intrinsic-Value-Projected-FCF 0.58
CRARF's Price-to-Intrinsic-Value-Projected-FCF is ranked higher than
72% of the 895 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 0.81 vs. CRARF: 0.58 )
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: 0.11  Med: 0.56 Max: 2.71
Current: 0.58
0.11
2.71
Price-to-Intrinsic-Value-DCF (Earnings Based) 0.68
CRARF's Price-to-Intrinsic-Value-DCF (Earnings Based) is ranked higher than
64% of the 138 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 0.90 vs. CRARF: 0.68 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-DCF (Earnings Based) only.
N/A
Price-to-Median-PS-Value 2.95
CRARF's Price-to-Median-PS-Value is ranked lower than
97% of the 1429 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 1.18 vs. CRARF: 2.95 )
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: 0.39  Med: 1.96 Max: 5.64
Current: 2.95
0.39
5.64
Price-to-Graham-Number 0.36
CRARF's Price-to-Graham-Number is ranked higher than
93% of the 1344 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 0.96 vs. CRARF: 0.36 )
Ranked among companies with meaningful Price-to-Graham-Number only.
CRARF' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.28  Med: 0.86 Max: 1.66
Current: 0.36
0.28
1.66
Earnings Yield (Greenblatt) % 98.04
CRARF's Earnings Yield (Greenblatt) % is ranked higher than
97% of the 1560 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 5.77 vs. CRARF: 98.04 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
CRARF' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 0.1  Med: 9.4 Max: 7313.6
Current: 98.04
0.1
7313.6

More Statistics

Revenue (TTM) (Mil) $92,877
EPS (TTM) $ 1.98
Beta1.60
Short Percentage of Float0.00%
52-Week Range $7.97 - 13.50
Shares Outstanding (Mil)2,841.83

Analyst Estimate

Dec17 Dec18 Dec19
Revenue (Mil $) 19,412 21,386 22,856
EPS ($) 1.12 1.43 1.59
EPS without NRI ($) 1.12 1.43 1.59
EPS Growth Rate
(Future 3Y To 5Y Estimate)
0.90%
Dividends per Share ($) 0.66 0.72 0.80
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