Credit Agricole (FRA:XCAU) E10: €0.87 (As of Mar. 2026)


FRA:XCAU Credit Agricole SA FRA:XCAU
70 GF Score
Price €8.80
GF Value €8.04
Valuation Fairly Valued
! 6 Warning Signs
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What is Credit Agricole E10?

Credit Agricole FRA:XCAU +1.73% 70 E10 is €0.87 as of Mar. 2026. GuruFocus rates FRA:XCAU with a GF Score™ of 70/100 and a GF Value™ of €8.04 (Fairly Valued). The stock has 6 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

Credit Agricole's adjusted earnings per share data for the three months ended in Mar. 2026 was €0.260. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is €0.87 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Credit Agricole's average E10 Growth Rate was 8.10% per year. During the past 3 years, the average E10 Growth Rate was 7.80% per year. During the past 5 years, the average E10 Growth Rate was 23.10% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the E10 growth rate using E10 data.

During the past 13 years, the highest 3-Year average E10 Growth Rate of Credit Agricole was 36.30% per year. The lowest was 7.80% per year. And the median was 23.15% per year.

As of today (2026-07-06), Credit Agricole's current stock price is €8.80. Credit Agricole's E10 for the quarter that ended in Mar. 2026 was €0.87. Credit Agricole's Shiller PE Ratio of today is 10.11.

During the past 13 years, the highest Shiller PE Ratio of Credit Agricole was 43.67. The lowest was 7.41. And the median was 11.93.


Credit Agricole  (FRA:XCAU) E10 Explanation

If a company grows much fast than inflation, E10 may underestimate the company's earnings power. Shiller PE Ratio can seem to be too high even the actual P/E is low.

For the Shiller P/E, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller P/E is also called PE10.

The Shiller P/E was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

Credit Agricole's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=8.80/0.87
=10.11

* 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.

During the past 13 years, the highest Shiller P/E Ratio of Credit Agricole was 43.67. The lowest was 7.41. And the median was 11.93.


Be Aware

Shiller PE Ratio works better for cyclical companies. It gives you a better idea on the company's real earnings power.


Credit Agricole E10 Related Terms


Credit Agricole E10 Historical Data

* Premium members only.

The historical data trend for Credit Agricole's E10 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.

Credit Agricole E10 Chart

Credit Agricole Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.41 0.66 0.71 0.77 0.83

Credit Agricole Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
E10 Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.79 0.82 0.83 0.83 0.87

Credit Agricole E10 Competitor Comparison

For the Banks - Regional subindustry, Credit Agricole's Shiller PE Ratio, along with its competitors' market caps and Shiller PE Ratio 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 Shiller PE Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Credit Agricole's Shiller PE Ratio distribution charts can be found below:

* The bar in red indicates where Credit Agricole's Shiller PE Ratio falls into.


FRA:XCAU
70GF Score
Credit Agricole SA FRA:XCAU
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Credit Agricole E10 Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. When we calculate the today's Shiller P/E ratio of a stock, we use today's price divided by E10.

What is E10? How do we calculate E10?

E10 is the average of the inflation adjusted earnings of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the E10 of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the earnings from 2001 through 2010.

We adjusted the earnings of 2001 earnings data with the total inflation from 2001 through 2010 to the equivalent earnings in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart earned $1 a share in 2001, then the 2001's equivalent earnings in 2010 is $1.4 a share. If Wal-Mart earns $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 earnings in 2010 is $1.35. So on and so forth, you get the equivalent earnings of past 10 years. Then you add them together and divided the sum by 10 to get E10.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Credit Agricole's adjusted earnings per share data for the three months ended in Mar. 2026 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=0.26/122.4300*122.4300
=0.260

Current CPI (Mar. 2026) = 122.4300.

Credit Agricole Quarterly Data

per share eps CPI Adj_EPS
201606 0.199 100.630 0.242
201609 0.303 100.340 0.370
201612 -0.038 100.650 -0.046
201703 0.120 101.170 0.145
201706 0.188 101.320 0.227
201709 0.170 101.330 0.205
201712 -0.011 101.850 -0.013
201803 0.125 102.750 0.149
201806 0.236 103.370 0.280
201809 0.175 103.560 0.207
201812 0.154 103.470 0.182
201903 0.110 103.890 0.130
201906 0.195 104.580 0.228
201909 0.165 104.500 0.193
201912 0.270 104.980 0.315
202003 0.085 104.590 0.099
202006 0.152 104.790 0.178
202009 0.160 104.550 0.187
202012 0.007 104.960 0.008
202103 0.160 105.750 0.185
202106 0.307 106.340 0.353
202109 0.215 106.810 0.246
202112 0.226 107.850 0.257
202203 0.075 110.490 0.083
202206 0.324 112.550 0.352
202209 0.205 112.740 0.223
202212 0.219 114.160 0.235
202303 0.180 116.790 0.189
202306 0.321 117.650 0.334
202309 0.265 118.260 0.274
202312 0.206 118.390 0.213
202403 0.250 119.470 0.256
202406 0.293 120.200 0.298
202409 0.250 119.560 0.256
202412 0.260 119.950 0.265
202503 0.280 120.380 0.285
202506 0.371 121.360 0.374
202509 0.265 120.950 0.268
202512 0.270 120.900 0.273
202603 0.260 122.430 0.260

Add all the adjusted EPS together and divide 10 will get our e10.

Frequently Asked Questions Learn more about E10 →
What does a E10 of €0.87 mean?
Credit Agricole (FRA:XCAU) has a E10 of €0.87 as of Mar. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Credit Agricole and its competitors.
Is Credit Agricole's E10 too high?
Credit Agricole's current E10 is €0.87. 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 E10 compare to competitors?
Credit Agricole's E10 of €0.87 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good E10 for a Banks company?
A good E10 depends on the Banks industry context. However, E10 should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high E10 mean?
A high E10 can signal that a stock is expensive relative to its fundamentals. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Credit Agricole and its competitors. Credit Agricole's current E10 is €0.87. 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 (FRA:XCAU) is currently considered Fairly Valued. The stock's GF Value™ is €8.04, compared to a current price of €8.80 — trading 9.5% above its estimated fair value. The current E10 is €0.87. 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 E10 calculated?
E10 is calculated from a company's financial statements. For Credit Agricole (FRA:XCAU), the current E10 is €0.87 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 (FRA:XCAU) Overvalued in 2026?

Based on GuruFocus' analysis, Credit Agricole stock appears to be overvalued. The current stock price of €8.80 is trading 9.5% above its estimated GF Value™ of €8.04. GuruFocus considers Credit Agricole to be Fairly Valued.

Key valuation signals for FRA:XCAU:

  • E10: €0.87
  • GF Value™: €8.04 vs. price of €8.80 (9.5% above fair value)
  • GF Score™: 70/100 with 6 warning signs

No single metric tells the full story. See the FRA:XCAU stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Credit Agricole Business Description

Address 50 avenue Jean Jaures, Montrouge, Paris, FRA, 92120
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

Get the complete analysis for FRA:XCAU

E10 is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€8.80
Price
€8.04
GF Value