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Credit Agricole (CRARY) Price & Analysis
CRARY Stock Chart & Stats
- Day’s Range
- $8.37 - $8.37
- 52-Week Range
- $8.32 - $11.70
- Previous Close
- $8.54
- Volume
- 50.11K
- Average Volume (3M)
- 125.49K
- Market Cap
- $50.81B
- Enterprise Value
- $683.32B
- Total Cash (Recent Filing)
- $160.00B
- Total Debt (Recent Filing)
- $317.40B
- Price to Earnings (P/E)
- 7.4
- Beta
- 0.49
- Next Earnings
- Feb 04, 2027
- EPS Estimate
- 0.32
- Next Dividend Ex-Date
- N/A
- Dividend Yield
- 11.75%
Bulls Say, Bears Say
Bulls Say
Diversified Universal Banking Model
The broad mix across retail banking, asset gathering, corporate services and personal finance diversifies earnings sources and reduces reliance on one activity. Management also reported controlled cost of risk, stable NPL ratios and high reserves, supporting resilience across business cycles.
Strong Capital And Liquidity Position
Strong capital, liquidity and regulatory funding metrics give Crédit Agricole capacity to absorb credit or market stress while continuing to invest and support customers. Organic capital generation and ratios above regulatory targets also reinforce financial flexibility over the medium term.
European Savings And Customer Growth
The savings platform provides a scalable avenue for gathering deposits and deepening customer relationships across Europe. Planned geographic rollout, rising customer acquisition and additional savings products could broaden recurring funding and fee opportunities beyond the French franchise.
Bears Say
Rising Leverage And Balance-sheet Risk
The sharp increase in debt relative to equity reduces financial flexibility and increases sensitivity to credit, funding and market stress, even though leverage is common in banking. Stable returns on equity provide some offset, but the upward trajectory remains a material balance-sheet concern.
Prolonged Mobility And Auto-market Pressure
Weak automobile demand, lower used-car resale values and compressed margins are affecting Auto Bank, Drivalia and Leasys. Management expects pressure to persist through 2027, making this a multi-period drag on specialized-finance earnings rather than a temporary quarterly setback.
Structural Climate-related Insurance Claims
Recurring climate events can raise claims costs and make insurance profitability less predictable, particularly when individual losses do not trigger reinsurance treaties. Continued drought, storm and fire exposure therefore creates a durable headwind for underwriting results and capital planning.
Credit Agricole News
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Credit Agricole Stock Smart Score
Company Description
Credit Agricole
Crédit Agricole S.A. (CRARY) is a globally active financial institution, delivering an extensive array of banking, insurance, and investment services. Its operations are structured into several key segments: Asset Gathering, Large Customers, Specialised Financial Services, French Retail Banking (primarily through LCL), and International Retail Banking. The company provides a comprehensive suite of banking solutions, which includes the management of savings and current accounts, deposit services, various financing options, payment processing, and cash flow management. It also extends consumer lending products to its clientele. In the realm of wealth management, Crédit Agricole assists individuals with the administration, safeguarding, and transfer of their assets, alongside offering broader asset management services. Its insurance portfolio is diverse, covering savings and retirement plans, life and disability coverage (including for creditors and groups), as well as property and casualty policies. Furthermore, Crédit Agricole specializes in diverse financing activities. This encompasses funding for property and equipment upgrades, trade receivables management for corporate clients, and financing for green energy and public infrastructure projects. Leasing services are also a core part of its offerings. The firm's investment banking division is active in structured finance, international trade finance, commercial banking, capital markets, and syndication. It also provides extensive asset servicing solutions for various investment products and asset classes, including execution, clearing, foreign exchange, securities lending and borrowing, custody, depositary banking, fund administration, outsourced middle-office functions, fund distribution support, and issuer services. Crédit Agricole caters to a broad and diverse clientele, ranging from individual retail customers and corporations to banks, financial institutions, government bodies, and local municipalities. Established in 1894, Crédit Agricole S.A. is headquartered in Montrouge, France, and operates as a subsidiary of SAS Rue La Boétie.
- Sector
- Financial
- Industry
- Banks - Regional
- CEO
- Olivier-Eric Alain Gavalda
- Employees
- 79,848
- Website
- www.credit-agricole.com
- Address
- 12 place des Etats-Unis, Montrouge, IF, 92127, FR
Credit Agricole (CRARY) Earnings & Revenues
CRARY Company Deck
CRARY Earnings Call
Earnings Call SentimentPositive
The call was strongly positive overall, supported by double-digit earnings growth excluding exceptional items, 7.5% CASA revenue growth, 14.2% ROTE, strong liquidity and capital, record or high activity in several business lines, and progress on European expansion, AI and transition initiatives. Management also highlighted meaningful challenges in mobility, climate-related insurance claims, mortgage activity, macroeconomic uncertainty and provisions, but described credit quality, capital generation and liquidity as well managed.
View all CRARY earnings summariesTechnical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 3 | 2 | 17 |
| Technical Analysis | 3 | 2 | 5 |
| Moving Averages | 0 | 0 | 12 |











