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Credit AgricoleCHIX:ACAP -0.84%70 Debt-to-Equity is 4.01 as of Mar. 2026, which is 14% above its 10-year median of 3.52. GuruFocus rates CHIX:ACAP with a GF Score™ of 70/100 and a GF Value™ of €16.19 (Fairly Valued). The stock has 6 warning signs investors should review. Among 1,423 Banks companies, Credit Agricole ranks worse than 95.36% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for Credit Agricole's Debt-to-Equity or its related term are showing as below:
CHIX:ACAp'
s Debt-to-Equity Range Over the Past 10 Years
Min: 1.66 Med: 3.52 Max: 4.27
Current: 4.01
During the past 13 years, the highest Debt-to-Equity Ratio of Credit Agricole was 4.27. The lowest was 1.66. And the median was 3.52.
CHIX:ACAp's Debt-to-Equity is ranked worse than 95.36% of 1423
companies
in the Banks industry
Industry Median: 0.56
vs CHIX:ACAp: 4.01
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
Credit Agricole Debt-to-Equity Related Terms
Credit Agricole Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for Credit Agricole's Debt-to-Equity can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Banks - Regional subindustry, Credit Agricole's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Credit Agricole Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Credit Agricole's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Credit Agricole's Debt-to-Equity falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Credit Agricole (CHIX:ACAP) has a Debt-to-Equity of 4.01 as of Mar. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Credit Agricole and its competitors. This is 14% above median its historical median of 3.52. Over the past decade, Credit Agricole's Debt-to-Equity has ranged from 1.66 to 4.27. According to the industry distribution chart, Credit Agricole ranks #1357 out of 1423 companies in the Banks industry, placing it in the top 95.4%.
Is Credit Agricole's Debt-to-Equity too high?
Credit Agricole's current Debt-to-Equity of 4.01 is 14% above median its 10-year median of 3.52. Over the past 10 years, this metric has ranged from a low of 1.66 to a high of 4.27. The Banks industry median Debt-to-Equity is 0.56. Credit Agricole's value of 4.01 is 616.1% above this industry median. Based on the distribution chart, Credit Agricole ranks #1357 out of 1423 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Credit Agricole has a GF Score™ of 70/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Credit Agricole's Debt-to-Equity compare to competitors?
According to the Banks industry distribution chart, Credit Agricole ranks #1357 out of 1423 companies for Debt-to-Equity. This places Credit Agricole in the lower half of its industry. The industry median Debt-to-Equity is 0.56. Credit Agricole's value of 4.01 is 616.1% above this benchmark. Historically, Credit Agricole's own Debt-to-Equity has ranged from 1.66 to 4.27 over the past decade. While the company's 10-year median is 3.52 vs. the industry median of 0.56, Credit Agricole has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.56, based on 1,423 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Credit Agricole's current Debt-to-Equity of 4.01 is 616.1% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Credit Agricole and its competitors. For the Banks industry, the median Debt-to-Equity is 0.56 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Credit Agricole's current Debt-to-Equity is 4.01, which is 14% above median its own 10-year median of 3.52. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Credit Agricole stock overvalued right now?
Based on GuruFocus' analysis, Credit Agricole (CHIX:ACAP) is currently considered Fairly Valued. The stock's GF Value™ is €16.19, compared to a current price of €17.73 — trading 9.5% above its estimated fair value. The current Debt-to-Equity is 4.01, which is 14% above median its 10-year median of 3.52 and 616.1% above the Banks industry median of 0.56. Credit Agricole's overall GF Score™ is 70/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Credit Agricole (CHIX:ACAP), the current Debt-to-Equity is 4.01 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Credit Agricole (CHIX:ACAP) Overvalued in 2026?
Based on GuruFocus' analysis, Credit Agricole stock appears to be overvalued.
The current stock price of €17.73 is trading 9.5% above its estimated GF Value™ of €16.19.
GuruFocus considers Credit Agricole to be Fairly Valued.
Key valuation signals for CHIX:ACAP:
Debt-to-Equity: 4.01 (14% above median its 10-year median of 3.52)
GF Value™: €16.19 vs. price of €17.73 (9.5% above fair value)
Industry Position: 616.1% above the Banks median (#1357 of 1423)
No single metric tells the full story. See the CHIX:ACAP stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Credit Agricole S.A. is majority-owned by a group of 39 mutually owned, regional French banks, and together, they form the Credit Agricole Group, the largest cooperative bank globally. Credit Agricole S.A. houses all of Credit Agricole Group's activities, excluding the core French retail and commercial banking operations and including corporate and investment banking, its insurance operations, its international operations, notably in Italy, LCL, a separately branded French retail bank, and Credit Agricole S.A.'s majority interest in individually listed asset manager Amundi. Credit Agricole S.A. also acts as the central bank for the group.
70GF Score
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