Credit Agricole (1ACA) Stock Price & Analysis
1ACA Stock Chart & Stats
- Day’s Range
- EUR 14.88 - EUR 15.10
- 52-Week Range
- EUR 14.70 - EUR 20.37
- Previous Close
- EUR 15.34
- Volume
- 14.59K
- Average Volume (3M)
- 12.94K
- 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
- 1.04
- Next Earnings
- Feb 04, 2027 (Est.)
- EPS Estimate
- 0.56
- Next Dividend Ex-Date
- N/A
- Dividend Yield
- 11.32%
Bulls Say, Bears Say
Bulls Say
Diversified Revenue Model
Crédit Agricole’s broad mix of banking, insurance, asset management, and specialized-finance activities reduces reliance on any single earnings stream. This diversification can support resilience across different rate, credit, capital-markets, and client-demand conditions over the coming quarters.
Revenue Expansion
Strong multi-period revenue expansion indicates continued scale and business activity across the group, with 2025 showing particularly strong growth. Sustained top-line momentum can support investment, operating leverage, and competitive positioning if profitability remains positive.
Steady Returns On Equity
Consistent ROE near 9–10% shows that Crédit Agricole has continued generating positive returns on a broadly stable equity base. This supports the quality and repeatability of its earnings profile, even as leverage and profitability metrics require monitoring.
Bears Say
Rising Leverage
The sharp increase in debt-to-equity raises the bank’s sensitivity to funding costs, refinancing conditions, and asset-quality volatility. Higher leverage can reduce financial flexibility and make earnings and capital resilience more vulnerable during adverse credit or market conditions.
Margin Compression
The sustained decline in net margin suggests that revenue growth is converting into profit less efficiently than in earlier periods. Lower profitability cushions can constrain internal capital generation and reduce the ability to absorb higher costs, provisions, or weaker business conditions.
Volatile Cash Flow
Large swings between deeply negative and strongly positive cash flow reduce confidence in the stability of internally generated funds. Although 2025 improved materially, inconsistent cash generation can complicate capital planning and weaken visibility into funds available for growth or distributions.
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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 (1ACA) Earnings & Revenues
1ACA Stock 12 Month Forecast
Average Price Target
Technical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 2 | 5 | 15 |
| Technical Analysis | 2 | 5 | 3 |
| Moving Averages | 0 | 0 | 12 |