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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
CRARY's Cash to Debt is ranked higher than
95% of the 1599 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 1.98 vs. CRARY: No Debt )
Ranked among companies with meaningful Cash to Debt only.
CRARY' 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
CRARY's Equity to Asset is ranked lower than
97% of the 1608 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 0.10 vs. CRARY: 0.04 )
Ranked among companies with meaningful Equity to Asset only.
CRARY' 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 0.13
CRARY's Interest Coverage is ranked lower than
96% of the 1529 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 1.67 vs. CRARY: 0.13 )
Ranked among companies with meaningful Interest Coverage only.
CRARY' s Interest Coverage Range Over the Past 10 Years
Min: 0.04  Med: 0.1 Max: 0.23
Current: 0.13
0.04
0.23
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 (%) 4.06
CRARY's Operating margin (%) is ranked lower than
90% of the 1621 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 30.83 vs. CRARY: 4.06 )
Ranked among companies with meaningful Operating margin (%) only.
CRARY' s Operating margin (%) Range Over the Past 10 Years
Min: 0.98  Med: 5.22 Max: 32.25
Current: 4.06
0.98
32.25
Net-margin (%) 4.39
CRARY's Net-margin (%) is ranked lower than
89% of the 1619 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 22.44 vs. CRARY: 4.39 )
Ranked among companies with meaningful Net-margin (%) only.
CRARY' s Net-margin (%) Range Over the Past 10 Years
Min: -13.72  Med: 7.25 Max: 32.48
Current: 4.39
-13.72
32.48
ROE (%) 7.04
CRARY's ROE (%) is ranked lower than
62% of the 1619 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 8.54 vs. CRARY: 7.04 )
Ranked among companies with meaningful ROE (%) only.
CRARY' s ROE (%) Range Over the Past 10 Years
Min: -15.4  Med: 3.93 Max: 14.95
Current: 7.04
-15.4
14.95
ROA (%) 0.25
CRARY's ROA (%) is ranked lower than
84% of the 1627 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 0.89 vs. CRARY: 0.25 )
Ranked among companies with meaningful ROA (%) only.
CRARY' s ROA (%) Range Over the Past 10 Years
Min: -0.38  Med: 0.13 Max: 0.45
Current: 0.25
-0.38
0.45
Revenue Growth (3Y)(%) 3.00
CRARY's Revenue Growth (3Y)(%) is ranked lower than
52% of the 1340 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 3.30 vs. CRARY: 3.00 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
CRARY' 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
CRARY's EBITDA Growth (3Y)(%) is ranked higher than
89% of the 1229 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 5.90 vs. CRARY: 33.60 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
CRARY' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -44  Med: 15 Max: 125.8
Current: 33.6
-44
125.8
GuruFocus has detected 3 Warning Signs with Credit Agricole SA $CRARY.
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» CRARY's 10-Y Financials

Financials (Next Earnings Date: 2017-02-15)


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

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
P/E(ttm) 11.47
CRARY's P/E(ttm) is ranked higher than
57% of the 1490 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 14.41 vs. CRARY: 11.47 )
Ranked among companies with meaningful P/E(ttm) only.
CRARY' s P/E(ttm) Range Over the Past 10 Years
Min: 6.43  Med: 19.45 Max: 50.28
Current: 11.47
6.43
50.28
Forward P/E 11.49
CRARY's Forward P/E is ranked higher than
74% of the 360 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 15.55 vs. CRARY: 11.49 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 12.64
CRARY's PE(NRI) is ranked higher than
57% of the 1487 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 14.49 vs. CRARY: 12.64 )
Ranked among companies with meaningful PE(NRI) only.
CRARY' s PE(NRI) Range Over the Past 10 Years
Min: 7.69  Med: 20.09 Max: 94.87
Current: 12.64
7.69
94.87
P/B 3.82
CRARY's P/B is ranked lower than
97% of the 1602 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 1.16 vs. CRARY: 3.82 )
Ranked among companies with meaningful P/B only.
CRARY' s P/B Range Over the Past 10 Years
Min: 0.16  Med: 0.48 Max: 3.88
Current: 3.82
0.16
3.88
P/S 0.48
CRARY's P/S is ranked higher than
97% of the 1580 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 3.43 vs. CRARY: 0.48 )
Ranked among companies with meaningful P/S only.
CRARY' s P/S Range Over the Past 10 Years
Min: 0.11  Med: 0.42 Max: 9.18
Current: 0.48
0.11
9.18
EV-to-EBIT -2.38
CRARY's EV-to-EBIT is ranked lower than
99.99% of the 1210 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 12.67 vs. CRARY: -2.38 )
Ranked among companies with meaningful EV-to-EBIT only.
CRARY' s EV-to-EBIT Range Over the Past 10 Years
Min: -423.5  Med: -2.2 Max: 1431.2
Current: -2.38
-423.5
1431.2
EV-to-EBITDA -2.38
CRARY's EV-to-EBITDA is ranked lower than
99.99% of the 1217 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 11.34 vs. CRARY: -2.38 )
Ranked among companies with meaningful EV-to-EBITDA only.
CRARY' s EV-to-EBITDA Range Over the Past 10 Years
Min: -423.5  Med: -2.2 Max: 1431.2
Current: -2.38
-423.5
1431.2
PEG 0.90
CRARY's PEG is ranked higher than
64% of the 754 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 1.35 vs. CRARY: 0.90 )
Ranked among companies with meaningful PEG only.
CRARY' s PEG Range Over the Past 10 Years
Min: 0.61  Med: 5.55 Max: 26.13
Current: 0.9
0.61
26.13

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 5.13
CRARY's Dividend Yield is ranked higher than
85% of the 2346 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 2.65 vs. CRARY: 5.13 )
Ranked among companies with meaningful Dividend Yield only.
CRARY' s Dividend Yield Range Over the Past 10 Years
Min: 2.44  Med: 4.09 Max: 15.1
Current: 5.13
2.44
15.1
Forward Dividend Yield 5.13
CRARY's Forward Dividend Yield is ranked higher than
84% of the 2244 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 2.84 vs. CRARY: 5.13 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 5.13
CRARY's Yield on cost (5-Year) is ranked higher than
71% of the 2639 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 3.36 vs. CRARY: 5.13 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
CRARY' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 2.44  Med: 4.09 Max: 15.1
Current: 5.13
2.44
15.1
3-Year Average Share Buyback Ratio -1.80
CRARY's 3-Year Average Share Buyback Ratio is ranked higher than
51% of the 1039 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: -2.10 vs. CRARY: -1.80 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
CRARY' 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/Tangible Book 4.49
CRARY's Price/Tangible Book is ranked lower than
97% of the 1595 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 1.23 vs. CRARY: 4.49 )
Ranked among companies with meaningful Price/Tangible Book only.
CRARY' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.24  Med: 0.72 Max: 3.18
Current: 4.49
0.24
3.18
Price/Projected FCF 4.77
CRARY's Price/Projected FCF is ranked lower than
98% of the 883 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 0.78 vs. CRARY: 4.77 )
Ranked among companies with meaningful Price/Projected FCF only.
CRARY' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.11  Med: 0.66 Max: 3.38
Current: 4.77
0.11
3.38
Price/Median PS Value 1.13
CRARY's Price/Median PS Value is ranked lower than
52% of the 1458 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 1.14 vs. CRARY: 1.13 )
Ranked among companies with meaningful Price/Median PS Value only.
CRARY' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.31  Med: 1.02 Max: 20.7
Current: 1.13
0.31
20.7
Price/Graham Number 2.00
CRARY's Price/Graham Number is ranked lower than
94% of the 1405 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 0.95 vs. CRARY: 2.00 )
Ranked among companies with meaningful Price/Graham Number only.
CRARY' s Price/Graham Number Range Over the Past 10 Years
Min: 0.42  Med: 0.85 Max: 1.92
Current: 2
0.42
1.92
Earnings Yield (Greenblatt) (%) -42.00
CRARY's Earnings Yield (Greenblatt) (%) is ranked lower than
95% of the 1598 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 5.70 vs. CRARY: -42.00 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
CRARY' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 0.1  Med: 4.9 Max: 7313.6
Current: -42
0.1
7313.6

More Statistics

Revenue (TTM) (Mil) $80,395
EPS (TTM) $ 0.60
Beta1.61
Short Percentage of Float0.00%
52-Week Range $3.81 - 6.65
Shares Outstanding (Mil)5,608.39

Analyst Estimate

Dec16 Dec17 Dec18
Revenue (Mil $) 18,033 19,164 20,172
EPS ($) 0.60 0.57 0.70
EPS w/o NRI ($) 0.60 0.57 0.70
EPS Growth Rate
(3Y to 5Y Estimate)
0.90%
Dividends Per Share ($) 0.32 0.33 0.36
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