Credit Agricole (XCA) Stock Price & Analysis
XCA Stock Chart & Stats
- Day’s Range
- EUR 14.84 - EUR 15.01
- 52-Week Range
- EUR 14.70 - EUR 20.38
- Previous Close
- EUR 14.90
- Volume
- N/A
- Average Volume (3M)
- 14.37K
- Market Cap
- EUR 45.34B
- Enterprise Value
- EUR 597.67B
- Total Cash (Recent Filing)
- EUR 150.27B
- Total Debt (Recent Filing)
- EUR 685.99B
- Price to Earnings (P/E)
- 7.4
- Beta
- 0.82
- Next Earnings
- Feb 04, 2027 (Est.)
- EPS Estimate
- 0.55
- Next Dividend Ex-Date
- N/A
- Dividend Yield
- 11.32%
Bulls Say, Bears Say
Bulls Say
Diversified Financial-services Model
Crédit Agricole’s broad mix of banking and fee-based activities gives it several earnings engines across customers and geographies. This diversification can reduce reliance on any single product or market cycle, support cross-selling, and provide a more durable platform for recurring revenue.
Stable Returns On Equity
Steady ROE around 9–10% indicates the group continues to generate positive returns from a broadly stable equity base despite balance-sheet pressure. Maintaining this level of profitability supports internal capital formation and provides evidence of an established operating franchise.
Strong Revenue Expansion
Strong multi-period revenue expansion demonstrates continued scale and earning-capacity growth across the group’s activities. Although 2025 profit weakened, a larger revenue base can support future operating leverage and gives management a broader platform from which to rebuild margins.
Bears Say
Higher Balance-sheet Leverage
The marked increase in leverage makes earnings and capital resilience more sensitive to funding costs and asset-quality volatility. It also reduces financial flexibility if operating conditions deteriorate, potentially limiting the group’s ability to absorb shocks or deploy capital while maintaining returns.
Margin Compression And Lower Profit
Falling margins alongside lower year-over-year net income indicates that revenue growth is not currently converting into equivalent bottom-line expansion. If the weaker mix or higher costs and credit charges persist, the group may face pressure to sustain profitability and returns over coming quarters.
Volatile Cash Generation
Large swings in operating and free cash flow reduce confidence in the consistency of internally generated funds, even after the strong 2025 rebound. This variability can complicate capital planning and makes the quality of cash conversion less dependable across different banking and balance-sheet conditions.
XCA FAQ
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Company Description
Credit Agricole
Crédit Agricole S.A. is a global financial institution offering a comprehensive suite of services, encompassing retail and corporate banking, insurance, and investment solutions. Its operations are structured across several key divisions: Asset Gathering, Large Customers, Specialised Financial Services, French Retail Banking via LCL, and International Retail Banking. The company delivers a wide array of banking and financial products, including various deposit accounts (savings, current), lending facilities, payment solutions, and cash flow management tools. It also provides consumer credit and a range of specialized financial services. In wealth management, it assists individual clients in managing, safeguarding, and transferring their assets, alongside offering broader asset management services. Its insurance portfolio includes coverage for savings and retirement, life and disability (including creditor and group schemes), and property and casualty. Crédit Agricole S.A. also extends financing for property and equipment investments, provides trade receivable financing and administration for businesses, and funds renewable energy and public infrastructure projects. Leasing services are also part of its offering. Its investment banking arm delivers structured finance, international trade finance, commercial banking, capital market activities, and syndication services. Furthermore, it offers extensive asset servicing, covering execution, clearing, foreign exchange, securities lending and borrowing, custody, depositary bank functions, fund administration, outsourced middle-office solutions, fund distribution support, and issuer services. The diverse client base spans individual consumers, corporate entities, financial institutions, government bodies, and local authorities. Established in 1894 and headquartered in Montrouge, France, Crédit Agricole S.A. operates as a subsidiary of SAS Rue La Boétie.
- Sector
- General
- 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 (XCA) Earnings & Revenues
XCA Stock 12 Month Forecast
Average Price Target
Technical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 1 | 6 | 15 |
| Technical Analysis | 1 | 6 | 3 |
| Moving Averages | 0 | 0 | 12 |
