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Credit Agricole (XBUL:XCA) E10 : лв1.59 (As of Dec. 2024)


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What is Credit Agricole E10?

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 Dec. 2024 was лв1.024. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is лв1.59 for the trailing ten years ended in Dec. 2024.

During the past 12 months, Credit Agricole's average E10 Growth Rate was 6.10% per year. During the past 3 years, the average E10 Growth Rate was 22.90% per year. During the past 5 years, the average E10 Growth Rate was 27.40% 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 -27.10% per year. And the median was 22.90% per year.

As of today (2025-03-02), Credit Agricole's current stock price is лв14.645. Credit Agricole's E10 for the quarter that ended in Dec. 2024 was лв1.59. Credit Agricole's Shiller PE Ratio of today is 9.21.

During the past 13 years, the highest Shiller PE Ratio of Credit Agricole was 25.98. The lowest was 7.41. And the median was 11.86.


Credit Agricole E10 Historical Data

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.

* Premium members only.

Credit Agricole E10 Chart

Credit Agricole Annual Data
Trend Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only - - - - 1.59

Credit Agricole Quarterly Data
Mar20 Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24
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 - - - 1.50 1.59

Competitive Comparison of Credit Agricole's E10

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's Shiller PE Ratio Distribution in the 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.



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 Dec. 2024 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Dec. 2024 (Change)*Current CPI (Dec. 2024)
=1.024/119.9500*119.9500
=1.024

Current CPI (Dec. 2024) = 119.9500.

Credit Agricole Quarterly Data

per share eps CPI Adj_EPS
201503 0.530 100.170 0.635
201506 0.711 100.440 0.849
201509 0.719 99.950 0.863
201512 0.397 100.040 0.476
201603 0.061 100.020 0.073
201606 0.842 100.630 1.004
201609 1.283 100.340 1.534
201612 -0.151 100.650 -0.180
201703 0.485 101.170 0.575
201706 0.798 101.320 0.945
201709 0.764 101.330 0.904
201712 -0.051 101.850 -0.060
201803 0.581 102.750 0.678
201806 1.038 103.370 1.204
201809 0.770 103.560 0.892
201812 0.658 103.470 0.763
201903 0.468 103.890 0.540
201906 0.828 104.580 0.950
201909 0.685 104.500 0.786
201912 1.129 104.980 1.290
202003 0.354 104.590 0.406
202006 0.643 104.790 0.736
202009 0.710 104.550 0.815
202012 0.032 104.960 0.037
202103 0.718 105.750 0.814
202106 1.395 106.340 1.574
202109 0.953 106.810 1.070
202112 0.961 107.850 1.069
202203 0.311 110.490 0.338
202206 1.290 112.550 1.375
202209 0.765 112.740 0.814
202212 0.872 114.160 0.916
202303 0.726 116.790 0.746
202306 1.311 117.650 1.337
202309 1.066 118.260 1.081
202312 0.846 118.390 0.857
202403 1.024 119.470 1.028
202406 0.912 120.200 0.910
202409 1.046 119.560 1.049
202412 1.024 119.950 1.024

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


Credit Agricole  (XBUL:XCA) 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
=14.645/1.59
=9.21

* 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 25.98. The lowest was 7.41. And the median was 11.86.


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

Thank you for viewing the detailed overview of Credit Agricole's E10 provided by GuruFocus.com. Please click on the following links to see related term pages.


Credit Agricole Business Description

Address
12 Place des Etats-Unis, Montrouge Cedex, Paris, FRA, 92127
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.

Credit Agricole Headlines

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