Crédit Agricole S.A.

CRARF

Crédit Agricole S.A. provides retail, corporate, insurance, and investment banking products and services worldwide. It operates through Asset Gathering; Large Customers; Specialised Financial Services; French Retail Banking - LCL; and International Retail Banking. The company offers banking products and services, including savings and current accounts and deposits, finance, payments, and flow management services; consumer finance products; and banking and specialized financial services. It also provides wealth management services that allow individual customers to manage, protect, and transfer their assets, as well as other asset management services; and savings/retirement, death and disability/creditor/group, and property and casualty insurance products. In addition, the company offers financing solutions for property and equipment investment and renewal requirements; trade receivable financing and management solutions for corporates; and financing services for renewable energy and public infrastructure projects, as well as leasing services. Further, it provides investment banking, structured finance, international trade finance, commercial banking, capital market, and syndication services; and asset servicing solutions for investment products, as well as various asset classes, such as execution, clearing, forex, security lending and borrowing, custody, depositary bank, fund administration, middle-office outsourcing solutions, and fund distribution support and issuer services. The company serves retail customers, corporates, banks and financial institutions, government agencies, and local authorities. Crédit Agricole S.A. was founded in 1894 and is headquartered in Montrouge, France. Crédit Agricole S.A. operates as a subsidiary of SAS Rue La Boétie.

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📊 Valuation

Key valuation metrics

EV/EBITDA (TTM)

Enterprise Value, EBITDA and Ratio

EV/EBIT (TTM)

Enterprise Value, EBIT and Ratio

P/E Ratio (TTM)

Market Cap, Net Income and Ratio

P/B Ratio (Quarterly)

Market Cap, Book Value and Ratio

P/TBV - Price to Tangible Book Value (Quarterly)

Market Cap, Tangible Book Value and Ratio

Price / OCF (TTM)

Market Cap, Operating Cash Flow and Ratio

📈 Growth

Revenue, earnings, and per-share growth metrics

Revenue (Quarterly)

Quarterly Revenue

Net Income (Quarterly)

Quarterly Net Income

EPS (Quarterly)

Earnings Per Share

FCF/Share (Quarterly)

Free Cash Flow Per Share

BVPS Growth YoY

(BVPS_current / BVPS_1y_ago) - 1

TBVPS Growth YoY

(TBVPS_current / TBVPS_1y_ago) - 1

💰 Profitability

Profit margins and return on equity

Operating Margin (TTM)

Revenue, Operating Income and Operating Margin

Net Profit Margin (TTM)

Revenue, Net Income and Net Profit Margin

ROE (TTM)

Equity, Net Income and Return on Equity

ROA (TTM)

Assets, Net Income and Return on Assets

ROTCE - Return on Tangible Common Equity (TTM)

Net Income, Tangible Common Equity and ROTCE

💵 Cash Quality

Cash flow quality and conversion metrics

OCF/NI Ratio (TTM)

Operating Cash Flow, Net Income and Ratio

OCF-to-Debt - Operating Cash Flow to Debt Ratio (TTM)

Operating Cash Flow, Total Debt and Ratio

OCF-to-Assets - Operating Cash Flow to Assets Ratio (TTM)

Operating Cash Flow, Total Assets and Ratio

🛡️ Leverage & Liquidity

Debt, liquidity, and financial health

Debt/Equity (quarterly)

Total Debt, Total Equity and Debt/Equity Ratio

Altman Z-Score

Financial Distress Prediction Model

Debt-to-Assets Ratio (MRQ)

Total Debt, Total Assets and Debt-to-Assets Ratio

Liquidity-to-Assets Ratio (MRQ)

Current Assets, Total Assets and Liquidity-to-Assets Ratio

⚙️ Ops & Cap Efficiency

Asset utilization, working capital, ROIC, and capital efficiency

ROIC (TTM)

NOPAT, Invested Capital and Return on Invested Capital

Asset Turnover (TTM)

Revenue, Total Assets and Turnover Ratio

SG&A/Revenue - SG&A Efficiency (TTM)

SG&A Expenses, Revenue and Ratio

Operating Expense Ratio (TTM)

Operating Expenses, Revenue and Ratio

Cost-to-Income Ratio (TTM)

Operating Expenses, Operating Income and Ratio

Revenue per Employee (Quarterly)

Revenue and Revenue per Employee

🎁 Shareholder Returns

Dividends, share buybacks, dilution, and insider trading activity

Dividend Yield (TTM)

Dividend Per Share, Share Price and Dividend Yield

Buyback Yield (TTM)

Net Buyback and Buyback Yield

TSR - Total Shareholder Return (1Y)

(Price_end + Dividends_TTM) / Price_start - 1

Dividend Growth CAGR (3Y)

(Dividend_end / Dividend_start)^(1/3) - 1

Profit Waterfall Analysis

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Profitability Margins

Operating Income Margini

-39.09%

Operating Income = $4.15B

Revenue = $-10.62B

Pre-tax Profit Margini

-44.78%

Income Before Tax = $4.76B

Revenue = $-10.62B

Net Profit Margini

-9.64%

Net Income = $1.02B

Revenue = $-10.62B

Tax Metrics

Effective Tax Ratei

20.62%

Income Tax Expense = $0.98B

Income Before Tax = $4.76B

Cash Tax Rate (TTM)i

0.00%

Income Taxes Paid = $0.00B

Income Before Tax = $4.76B

Financial Sector PPNR Metrics

PPNRi

$-17.14B

PPNR = Net Interest Income + Non-Interest Income - Non-Interest Expense

net interest income: $9.14B | non interest income: $-38.50B | non interest expense: $-12.22B

PPNR Margini

161.46%

PPNR = $-17.14B

Revenue = $-10.62B

PPNR / Avg Assetsi

-0.72%

PPNR ROA = PPNR / Avg Total Assets

ppnr: $-17.14B | avg total assets: $2373.42B

Cost Efficiency Metrics

Efficiency Ratioi

115.06%

Non-Interest Expense = $-12.22B

Revenue = $-10.62B

Cost-to-Incomei

115.06%

Operating Expenses = $-12.22B

Revenue = $-10.62B

Cost-to-Assetsi

-0.51%

Operating Expenses = $-12.22B

Avg Total Assets = $2373.42B

Operating Leverage Metrics

Operating JAWSi

N/A

Revenue Growth = N/A

Expense Growth = N/A

Operating Margin Expansioni

N/A

Current Operating Margin = N/A

Prior Operating Margin = N/A

Earnings Quality Metrics

Earnings Qualityi

19.93x

Operating Cash Flow = $20.41B

Net Income = $1.02B

Accruals / Avg Assetsi

-0.82%

Accruals / Avg Assets = (Net Income - OCF) / Avg Total Assets

net income: $1.02B | operating cash flow: $20.41B | avg total assets: $2373.42B

Volatility Metrics

PPNR Volatilityi

N/A

Core Revenue Volatilityi

N/A

Employee Productivity Metrics

Revenue per Employeei

N/A

Revenue per Employee = Revenue (TTM) / Employee Count

revenue TTM: $-10.62B | employee count: N/A

OpEx per Employeei

N/A

OpEx per Employee = Operating Expenses (TTM) / Employee Count

operating expenses TTM: $-12.22B | employee count: N/A

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Capital Adequacy

Tangible Common Equity (TCE)i

EUR49.68B

Tangible Assets (TA)i

EUR2353.60B

TCE / TA Ratioi

2.11%

🔴 Risk

TCE = EUR49.68B

TA = EUR2353.60B

Leverage

Equity / Assets (E/A)i

2.93%

Total Equity = EUR69.49B

Total Assets = EUR2373.42B

Assets / Equity (A/E)i

34.15x

Total Assets = EUR2373.42B

Total Equity = EUR69.49B

Capital Quality

AOCI / TCEi

-6.03%

✅ Healthy

AOCI = EUR-2.99B

TCE = EUR49.68B

(Goodwill + Intangibles) / Equityi

28.51%

✅ Healthy

GW+Intangibles = EUR19.81B

Total Equity = EUR69.49B

Liquidity

Liquidity Buffer (HQLA proxy)i

24.43%

✅ Healthy

Cash+ST Inv = EUR579.76B

Total Assets = EUR2373.42B

Funding Structure

Wholesale Funding Ratio (Core)i

13.63%

✅ Healthy

ST+LT Debt = EUR312.98B

Total Liabilities = EUR2295.73B

Securities / Assetsi

32.27%

⚠️ Warning

ST+LT Inv = EUR765.89B

Total Assets = EUR2373.42B

Risk-Adjusted

Risk-Adjusted TCE (ATCE)i

EUR46.68B

ATCE / TAi

1.98%

TCE ATCE = EUR46.68B

TA = EUR2353.60B

ATCE Scissor Spreadi

13 bps

✅ Healthy

TCE/TA = 211.00%

ATCE/TA = 198.00%

Cash Flow Waterfall Chart

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Inflow

Outflow

Subtotal

Start/End

Cash Generation Capability

Earnings Cash Contenti

19.93x

TTM Operating Cash Flow = $20.41B

TTM Net Income = $1.02B

Cash Flow ROA (CFROA)i

0.88%

TTM Operating Cash Flow = $20.41B

Average Total Assets = $2309.36B

Liquidity / Solvency

Cash Flow Adequacyi

31.46x

TTM Operating Cash Flow = $20.41B

CapEx + 债务偿还 + 分红 CapEx + Debt Repayment + Dividends = $0.65B

OCF / Short-Term Debti

N/A

TTM Operating Cash Flow = $20.41B

Short-Term Debt = $0.00B

Sustainability / Stability

OCF Growth Rate (YoY)i

N/A

Current Quarter OCF = $20.41B

Same Quarter Last Year OCF = $0.00B

OCF Volatility (CV)i

N/A

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Crédit Agricole S.A.

🔍 Business Model Analysis (DuPont Model)

Financial Metrics

📊 Valuation

EV/EBITDA (TTM)

EV/EBIT (TTM)

P/E Ratio (TTM)

P/B Ratio (Quarterly)

P/TBV - Price to Tangible Book Value (Quarterly)

Price / OCF (TTM)

📈 Growth

Revenue (Quarterly)

Net Income (Quarterly)

EPS (Quarterly)

FCF/Share (Quarterly)

BVPS Growth YoY

TBVPS Growth YoY

💰 Profitability

Operating Margin (TTM)

Net Profit Margin (TTM)

ROE (TTM)

ROA (TTM)

ROTCE - Return on Tangible Common Equity (TTM)

💵 Cash Quality

OCF/NI Ratio (TTM)

OCF-to-Debt - Operating Cash Flow to Debt Ratio (TTM)

OCF-to-Assets - Operating Cash Flow to Assets Ratio (TTM)

🛡️ Leverage & Liquidity

Debt/Equity (quarterly)

Altman Z-Score

Debt-to-Assets Ratio (MRQ)

Liquidity-to-Assets Ratio (MRQ)

⚙️ Ops & Cap Efficiency

ROIC (TTM)

Asset Turnover (TTM)

SG&A/Revenue - SG&A Efficiency (TTM)

Operating Expense Ratio (TTM)

Cost-to-Income Ratio (TTM)

Revenue per Employee (Quarterly)

🎁 Shareholder Returns

Dividend Yield (TTM)

Buyback Yield (TTM)

TSR - Total Shareholder Return (1Y)

Dividend Growth CAGR (3Y)

Income Statement Analysis

Profit Waterfall Analysis

Balance Sheet Analysis

Cash Flow Statement Analysis