Credit Agricole stock analysis
Credit Agricole (0HAI) Share Price & Analysis
0HAI Stock Chart & Stats
- Day’s Range
- EUR 15.80 - EUR 15.99
- 52-Week Range
- EUR 14.69 - EUR 20.53
- Previous Close
- EUR 15.87
- Volume
- N/A
- Average Volume (3M)
- 4.56M
- Market Cap
- EUR 48.00B
- Enterprise Value
- EUR 597.67B
- Total Cash (Recent Filing)
- EUR 150.27B
- Total Debt (Recent Filing)
- EUR 685.99B
- Price to Earnings (P/E)
- 7.8
- Beta
- 0.96
- Next Earnings
- Feb 04, 2027 (Est.)
- EPS Estimate
- 0.55
- Next Dividend Ex-Date
- N/A
- Dividend Yield
- 10.74%
Bulls Say, Bears Say
Bulls Say
Positive Profitability And Steady Returns
Positive profitability and steady returns on equity indicate that the group continues to convert its balance sheet and franchise into earnings. Maintaining roughly 9–10% ROE provides an established earnings base and supports ongoing investment in its banking and financial-services operations.
Strong 2025 Revenue Expansion And Cash Rebound
The sharp 2025 revenue expansion demonstrates continued operating scale, while the strong free-cash-flow rebound indicates the business can generate substantial internal funds in favorable periods. Together, these factors support reinvestment and financial flexibility, despite cash-flow variability.
Diversified Financial-services Model
Crédit Agricole’s presence across banking, insurance, asset management and specialized finance diversifies earnings sources and customer relationships. This broad platform can reduce reliance on any single business line and support more resilient revenue generation over the next several quarters.
Bears Say
Rising Leverage
The substantial increase in leverage makes earnings and capital strength more sensitive to funding costs and asset-quality volatility. Higher debt relative to equity can also reduce financial flexibility, limiting the group’s ability to absorb stress or pursue growth without added balance-sheet pressure.
Margin Compression And Declining Net Income
Revenue growth has not translated into stronger bottom-line performance, as net margins have declined materially from earlier levels and net income fell year over year. This suggests weaker earnings conversion and leaves future profitability more exposed to costs, business mix, or credit charges.
Volatile Cash-flow Generation
Large swings in operating and free cash flow reduce confidence in the consistency of internally generated funds. Even with a strong 2025 rebound, the prior negative years indicate that balance-sheet and working-capital movements can materially affect cash availability and complicate capital planning.
Credit Agricole News
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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 (0HAI) Earnings & Revenues
0HAI Stock 12 Month Forecast
Average Price Target
Technical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 8 | 5 | 9 |
| Technical Analysis | 3 | 5 | 2 |
| Moving Averages | 5 | 0 | 7 |
