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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 : 6/10

vs
industry
vs
history
Cash to Debt N/A
CRARY's Cash to Debt is ranked higher than
89% of the 970 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 1.49 vs. CRARY: N/A )
Ranked among companies with meaningful Cash to Debt only.
CRARY' s 10-Year Cash to Debt Range
Min: N/A  Med: 9999.00 Max: N/A
Current: N/A
Equity to Asset 0.03
CRARY's Equity to Asset is ranked lower than
98% of the 1323 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 0.10 vs. CRARY: 0.03 )
Ranked among companies with meaningful Equity to Asset only.
CRARY' 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 0.16
CRARY's Interest Coverage is ranked lower than
94% of the 1239 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 1.65 vs. CRARY: 0.16 )
Ranked among companies with meaningful Interest Coverage only.
CRARY' s 10-Year Interest Coverage Range
Min: 0.04  Med: 0.11 Max: 0.18
Current: 0.16
0.04
0.18
F-Score: 2
WACC vs ROIC
9.06%
1.14%
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 (%) -0.18
CRARY's Operating margin (%) is ranked lower than
93% of the 1388 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 29.90 vs. CRARY: -0.18 )
Ranked among companies with meaningful Operating margin (%) only.
CRARY' s 10-Year Operating margin (%) Range
Min: 0.98  Med: 9.41 Max: 32.25
Current: -0.18
0.98
32.25
Net-margin (%) 1.58
CRARY's Net-margin (%) is ranked lower than
91% of the 1388 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 21.60 vs. CRARY: 1.58 )
Ranked among companies with meaningful Net-margin (%) only.
CRARY' s 10-Year Net-margin (%) Range
Min: -13.72  Med: 8.38 Max: 32.48
Current: 1.58
-13.72
32.48
ROE (%) 2.01
CRARY's ROE (%) is ranked lower than
87% of the 1390 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 8.16 vs. CRARY: 2.01 )
Ranked among companies with meaningful ROE (%) only.
CRARY' s 10-Year ROE (%) Range
Min: -15.4  Med: 5.07 Max: 14.95
Current: 2.01
-15.4
14.95
ROA (%) 0.07
CRARY's ROA (%) is ranked lower than
90% of the 1399 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 0.84 vs. CRARY: 0.07 )
Ranked among companies with meaningful ROA (%) only.
CRARY' s 10-Year ROA (%) Range
Min: -0.38  Med: 0.15 Max: 0.45
Current: 0.07
-0.38
0.45
ROC (Joel Greenblatt) (%) -1.64
CRARY's ROC (Joel Greenblatt) (%) is ranked lower than
92% of the 1381 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 76.24 vs. CRARY: -1.64 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
CRARY' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 3.37  Med: 50.63 Max: 253.8
Current: -1.64
3.37
253.8
Revenue Growth (3Y)(%) 3.00
CRARY's Revenue Growth (3Y)(%) is ranked higher than
56% of the 1174 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 2.00 vs. CRARY: 3.00 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
CRARY' s 10-Year Revenue Growth (3Y)(%) Range
Min: -9.8  Med: 4.80 Max: 37
Current: 3
-9.8
37
EBITDA Growth (3Y)(%) 11.90
CRARY's EBITDA Growth (3Y)(%) is ranked higher than
64% of the 1035 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 7.40 vs. CRARY: 11.90 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
CRARY' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -43.9  Med: 11.90 Max: 125.3
Current: 11.9
-43.9
125.3
» CRARY's 10-Y Financials

Financials


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

» Details

Guru Trades

Q2 2014

CRARY Guru Trades in Q2 2014

David Dreman 7,902 sh (New)
» More
Q3 2014

CRARY Guru Trades in Q3 2014

David Dreman 8,511 sh (+7.71%)
» More
Q4 2014

CRARY Guru Trades in Q4 2014

David Dreman 7,793 sh (-8.44%)
» More
Q1 2015

CRARY Guru Trades in Q1 2015

David Dreman Sold Out
» More
» Details

Insider Trades

Latest Guru Trades with CRARY

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

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Ratios

vs
industry
vs
history
P/E(ttm) 43.06
CRARY's P/E(ttm) is ranked lower than
93% of the 1251 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 13.80 vs. CRARY: 43.06 )
Ranked among companies with meaningful P/E(ttm) only.
CRARY' s 10-Year P/E(ttm) Range
Min: 7.75  Med: 21.70 Max: 115.08
Current: 43.06
7.75
115.08
Forward P/E 5.12
CRARY's Forward P/E is ranked higher than
67% of the 710 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 12.17 vs. CRARY: 5.12 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 38.70
CRARY's PE(NRI) is ranked lower than
92% of the 1248 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 13.80 vs. CRARY: 38.70 )
Ranked among companies with meaningful PE(NRI) only.
CRARY' s 10-Year PE(NRI) Range
Min: 7.84  Med: 23.04 Max: 167.5
Current: 38.7
7.84
167.5
P/B 0.69
CRARY's P/B is ranked higher than
79% of the 1349 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 1.10 vs. CRARY: 0.69 )
Ranked among companies with meaningful P/B only.
CRARY' s 10-Year P/B Range
Min: 0.16  Med: 0.47 Max: 0.71
Current: 0.69
0.16
0.71
P/S 0.63
CRARY's P/S is ranked higher than
97% of the 1371 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 2.99 vs. CRARY: 0.63 )
Ranked among companies with meaningful P/S only.
CRARY' s 10-Year P/S Range
Min: 0.11  Med: 0.46 Max: 9.19
Current: 0.63
0.11
9.19
PEG 1.46
CRARY's PEG is ranked lower than
61% of the 575 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 1.08 vs. CRARY: 1.46 )
Ranked among companies with meaningful PEG only.
CRARY' s 10-Year PEG Range
Min: 0.35  Med: 0.55 Max: 1.15
Current: 1.46
0.35
1.15

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.53
CRARY's Dividend Yield is ranked higher than
55% of the 2204 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 2.60 vs. CRARY: 2.53 )
Ranked among companies with meaningful Dividend Yield only.
CRARY' s 10-Year Dividend Yield Range
Min: 2.45  Med: 4.08 Max: 15.08
Current: 2.53
2.45
15.08
Dividend Payout 0.38
CRARY's Dividend Payout is ranked lower than
58% of the 1287 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 9999.00 vs. CRARY: 0.38 )
Ranked among companies with meaningful Dividend Payout only.
CRARY' s 10-Year Dividend Payout Range
Min: 2.83  Med: 5.14 Max: 7.45
Current: 0.38
2.83
7.45
Dividend growth (3y) -8.00
CRARY's Dividend growth (3y) is ranked lower than
80% of the 657 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 7.50 vs. CRARY: -8.00 )
Ranked among companies with meaningful Dividend growth (3y) only.
CRARY' 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) 2.54
CRARY's Yield on cost (5-Year) is ranked lower than
53% of the 2195 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 3.03 vs. CRARY: 2.54 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
CRARY' s 10-Year Yield on cost (5-Year) Range
Min: 2.45  Med: 4.08 Max: 15.08
Current: 2.54
2.45
15.08
Share Buyback Rate -1.40
CRARY's Share Buyback Rate is ranked higher than
54% of the 997 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: -1.90 vs. CRARY: -1.40 )
Ranked among companies with meaningful Share Buyback Rate only.
CRARY' 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
Price/Tangible Book 0.96
CRARY's Price/Tangible Book is ranked higher than
65% of the 1328 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 1.18 vs. CRARY: 0.96 )
Ranked among companies with meaningful Price/Tangible Book only.
CRARY' s 10-Year Price/Tangible Book Range
Min: 0.24  Med: 0.72 Max: 1.17
Current: 0.96
0.24
1.17
Price/Projected FCF 1.45
CRARY's Price/Projected FCF is ranked lower than
87% of the 775 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 0.67 vs. CRARY: 1.45 )
Ranked among companies with meaningful Price/Projected FCF only.
CRARY' s 10-Year Price/Projected FCF Range
Min: 0.29  Med: 0.88 Max: 1.77
Current: 1.45
0.29
1.77
Price/Median PS Value 1.05
CRARY's Price/Median PS Value is ranked lower than
55% of the 1280 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 1.09 vs. CRARY: 1.05 )
Ranked among companies with meaningful Price/Median PS Value only.
CRARY' s 10-Year Price/Median PS Value Range
Min: 0.29  Med: 0.94 Max: 19.04
Current: 1.05
0.29
19.04
Price/Graham Number 0.98
CRARY's Price/Graham Number is ranked lower than
66% of the 1155 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 0.86 vs. CRARY: 0.98 )
Ranked among companies with meaningful Price/Graham Number only.
CRARY' s 10-Year Price/Graham Number Range
Min: 0.37  Med: 0.67 Max: 1.37
Current: 0.98
0.37
1.37
Earnings Yield (Greenblatt) (%) -0.30
CRARY's Earnings Yield (Greenblatt) (%) is ranked lower than
90% of the 1372 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 6.70 vs. CRARY: -0.30 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
CRARY' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: -0.3  Med: 8.45 Max: 19.2
Current: -0.3
-0.3
19.2

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.
» More Articles for CRARY

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