
Crédit Agricole S.A.
CRARY | OTC
$10.19
-$0.20 (-1.92%)
Sep 23, 2026, 3:25 PM ET · Market open
Market Data
Market Cap $61.72B
Enterprise Value $589.7B
Beta 0.81
Average Volume N/A
Shares Outstanding (Diluted) 3.02B
Shares Change YoY -0.03%
Institutional Ownership 0.01%
Exchange N/A
ISIN N/A
Price Performance
Price Change 1M -8.2%
Price Change 3M 3.0%
Price Change 6M 11.6%
Price Change YTD -2.2%
Price Change 1Y 4.2%
Price Change 3Y 66.5%
Price Change 5Y 47.7%
1M CAGR (ann.) -11.2%
1Y CAGR (ann.) 11.7%
5Y CAGR (ann.) 16.8%
All-Time CAGR 6.6%
Valuation
PE Ratio 4.32
Forward PE 7.12
PEG Ratio -0.69
Forward PEG 1.13
PS Ratio 0.46
Forward PS 1.90
PB Ratio 0.77
P/FCF Ratio -6.14
P/Adj. FCF Ratio -6.07
P/OCF Ratio -3.32
EV/Sales 5.11
EV/EBIT 57.60
EV/EBITDA 51.96
EV/FCF -68.51
Earnings Yield 22.6%
FCF Yield -15.9%
Adj. FCF Yield -16.1%
Financial Health
Net Debt €535.72B
Total Debt €685.99B
Cash & Short-Term Investments €150.27B
Total Assets €2.46T
Current Ratio 0.70
Quick Ratio 0.70
Debt / Equity Ratio 9.77
Debt / EBITDA 60.44
Debt / FCF -79.70
OCF / Debt -0.01
Interest Coverage 0.28
Altman Z-Score 0.04
Piotroski F-Score 4
Margins & Profitability
Gross Profit Margin 65.8%
Operating Profit Margin 9.2%
EBITDA Margin 9.8%
Net Profit Margin 5.7%
FCF Margin -7.5%
Adj. FCF Margin -7.5%
SBC / Revenue 0.1%
SBC Impact (per share) -1.2%
Returns
Return on Assets 0.3%
Return on Equity 9.4%
Return on Invested Capital 0.3%
Return on Capital Employed 0.5%
Return on Tangible Assets 0.3%
Historical Growth (CAGR)
Revenue CAGR 3Y 33.6%
Revenue CAGR 5Y 71.7%
Revenue CAGR 10Y 13.5%
EPS CAGR 3Y 14.7%
EPS CAGR 5Y 40.4%
EPS CAGR 10Y 6.4%
FCF CAGR 3Y -233.1%
FCF CAGR 5Y -132.0%
FCF CAGR 10Y -88.6%
Analyst Forecasts
Analyst Rating Hold
Analyst Count 0
EPS Growth Next 3Y N/A
Revenue Growth Next 3Y N/A
Earnings Date Oct 28, 2026
EPS Estimate (next Q) $0.38
EPS Growth Est (next Q) 6.5%
Revenue Est (next Q) $9.27B
Revenue Growth Est (next Q) -86.8%
Fair Value Estimates
Graham Number $39.33
Graham Upside 286.0%
Lynch Fair Value $58.91
Lynch Upside 478.1%
Price Target N/A
Price Target Upside N/A
Cash Flow
Operating Cash Flow €-7.96B
Free Cash Flow €-8.61B
Adj. Free Cash Flow €-8.71B
FCF Per Share -$2.85
OCF Per Share -$2.63
OCF/S Ratio -6.9%
Income Statement
Revenue €115.32B
Gross Profit €75.85B
Operating Income €10.63B
EBITDA €11.35B
Net Income €6.59B
EPS (Diluted) $2.02
Revenue / Employee N/A
Profit / Employee N/A
Employees N/A
Dividends
Annual Dividend $0.66
Dividend Yield 6.48%
Payout Ratio 32.5%
FCF Payout Ratio -38.7%
Adj. FCF Payout Ratio -38.2%
Dividend Growth (YoY) 5.6%
Pay Frequency Annual
Ex-Dividend Date May 21, 2026
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