Crédit Agricole (ACA) Stock Overview
Provides retail and corporate banking, insurance, and investment banking products and services in France, Italy, rest of the European Union, rest of Europe, North America, Central and South America, Africa, the Middle East, the Asia Pacific, and Japan. More details
| Snowflake Score | |
|---|---|
| Valuation | 4/6 |
| Future Growth | 1/6 |
| Past Performance | 2/6 |
| Financial Health | 2/6 |
| Dividends | 5/6 |
ACA Community Fair Values
Create NarrativeSee what 55 others think this stock is worth. Follow their fair value or set your own to get alerts.
Analyst Price Targets
Crédit Agricole S.A. Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | €17.24 |
| 52 Week High | €19.15 |
| 52 Week Low | €15.29 |
| Beta | 0.81 |
| 1 Month Change | 2.01% |
| 3 Month Change | 3.61% |
| 1 Year Change | 8.53% |
| 3 Year Change | 59.42% |
| 5 Year Change | 45.22% |
| Change since IPO | -1.65% |
Recent News & Updates
Narrative Update • Jun 07
ACA: Dividend And Payout Framework Will Support Future Share Repricing
Crédit Agricole's updated analyst price target has edged down by €0.19 as analysts factor in slightly higher required returns alongside modest adjustments to growth, margins, and future P/E assumptions, consistent with recent target cuts and rating downgrades from major firms. Analyst Commentary Recent research updates on Crédit Agricole point to a more cautious stance, with price targets edging lower and at least one rating downgrade to a more negative view.Narrative Update • Apr 24
ACA: Dividend Proposal And Rating Resets Will Support Future Share Repricing
The analyst price target for Crédit Agricole has increased slightly to €20.30 from €20.03. Analysts attribute the change to updated fair value assumptions, revisions to revenue growth and profit margin expectations, and a series of recent rating and target adjustments from major firms.
New Narrative • Apr 19
Long Term Savings And Fee Businesses Will Drive Future Strength Here
Catalysts About Crédit Agricole Crédit Agricole is a major European universal banking group with retail banking, insurance, asset management, corporate and investment banking, asset servicing and consumer finance activities. What are the underlying business or industry changes driving this perspective?Recent updates
Narrative Update • Jun 07
ACA: Dividend And Payout Framework Will Support Future Share Repricing
Crédit Agricole's updated analyst price target has edged down by €0.19 as analysts factor in slightly higher required returns alongside modest adjustments to growth, margins, and future P/E assumptions, consistent with recent target cuts and rating downgrades from major firms. Analyst Commentary Recent research updates on Crédit Agricole point to a more cautious stance, with price targets edging lower and at least one rating downgrade to a more negative view.Narrative Update • Apr 24
ACA: Dividend Proposal And Rating Resets Will Support Future Share Repricing
The analyst price target for Crédit Agricole has increased slightly to €20.30 from €20.03. Analysts attribute the change to updated fair value assumptions, revisions to revenue growth and profit margin expectations, and a series of recent rating and target adjustments from major firms.New Narrative • Apr 19
Long Term Savings And Fee Businesses Will Drive Future Strength Here
Catalysts About Crédit Agricole Crédit Agricole is a major European universal banking group with retail banking, insurance, asset management, corporate and investment banking, asset servicing and consumer finance activities. What are the underlying business or industry changes driving this perspective?Narrative Update • Apr 07
ACA: Higher 2025 Dividend And Rating Resets Will Support Future Upside
Crédit Agricole's analyst price target has edged slightly lower to about €20.03 from roughly €20.09, as analysts factor in updated assumptions on revenue growth, profit margins and future P/E, following a mix of recent rating changes and modest target revisions across the Street. Analyst Commentary Recent Street research on Crédit Agricole reflects a mix of upgraded ratings and revised price targets, giving you a split picture on how execution and valuation are being judged right now.
New Narrative • Mar 28
Digital And Auto Leasing Pressures Will Weigh On Earnings And Keep Sentiment Cautious
Catalysts About Crédit Agricole Crédit Agricole is a large European banking group active in retail banking, corporate and investment banking, asset management, insurance and specialised financial services. What are the underlying business or industry changes driving this perspective?Narrative Update • Mar 24
ACA: Future Dividend Policy And Recent Rating Shifts Will Support Upside Potential
Narrative Update: Crédit Agricole The analyst fair value estimate for Crédit Agricole has inched up from €20.06 to €20.09. This change reflects a series of recent price target adjustments and rating changes from analysts who highlight refined expectations on valuation and returns.Narrative Update • Mar 07
ACA: Future Dividend Policy And Rating Shifts Will Support Upside Potential
The analyst fair value estimate for Crédit Agricole has inched up from about €20.02 to roughly €20.06. This change reflects recent price target hikes and rating changes from several firms that highlight stable assumptions on discount rate, revenue growth, profit margin and future P/E, while also acknowledging mixed views on near term upside.Narrative Update • Feb 20
ACA: Future Dividend Outlook And Mixed Rating Shifts Will Shape Return Profile
The analyst price target for Crédit Agricole edges higher to around €20.02, with analysts citing a lower assumed future P/E and slightly firmer profit margins as key supports for the revised view. Analyst Commentary Recent Street research on Crédit Agricole points to a mixed but generally constructive stance, with several price target increases around the current analyst average of about €20.02 and at least one downgrade in rating that still keeps a higher absolute target in place.Narrative Update • Feb 06
ACA: Future Earnings Guidance And Dividend Policy Will Support Stronger Rating
Analysts have lifted their fair value estimate for Crédit Agricole from €19.15 to about €20.01, reflecting recent price target increases and upgrades in Street research. Analyst Commentary Recent Street research around Crédit Agricole has centered on refreshed price targets and an upgrade, which together help explain the latest adjustment to fair value estimates.Narrative Update • Jan 22
ACA: Future Earnings Will Balance Mixed Rating Signals And Profitability Aims
Narrative Update The analyst price target for Crédit Agricole has increased by about €0.40. Analysts attribute this change to steady fair value estimates, minor adjustments to revenue growth and profit margin assumptions, and a slightly higher future P/E.Narrative Update • Jan 08
ACA: Future Earnings Will Balance Cautious Rating And Medium Term Profitability Aims
Analysts have trimmed their view on Crédit Agricole, with the consensus price target easing from €17.00 to €16.50. This reflects recent Street updates that point to a more cautious stance on the shares.Narrative Update • Dec 18
ACA: Future Earnings Will Balance Lower Expectations And Medium Term Execution Risks
Analysts have nudged their price target for Crédit Agricole slightly lower, trimming it by around EUR 0.50 to reflect more cautious assumptions on revenue growth while acknowledging resilient profitability and modestly higher valuation multiples ahead. Analyst Commentary Recent Street research reflects a more balanced stance on Crédit Agricole, with modestly lower price targets but no major change in overall ratings, suggesting the stock is seen as fairly valued against realistic growth and return expectations.Narrative Update • Dec 04
ACA: Future Earnings Will Balance Cautious Ratings And Medium Term Execution Risks
The analyst price target for Crédit Agricole has been trimmed slightly, with fair value edging up from EUR 18.63 to EUR 18.71 as analysts factor in marginally stronger revenue growth expectations, offset by a modestly softer profit margin outlook and a stable valuation multiple. Analyst Commentary Recent Street research on Crédit Agricole reflects a more cautious stance on the stock, with several firms trimming their price targets while broadly maintaining neutral to negative ratings.Narrative Update • Nov 20
ACA: Earnings Momentum Will Drive Opportunity Despite Recent Rating Downgrades
The analyst price target for Crédit Agricole has been revised slightly downward, with a decrease from €18.64 to €18.63. This change reflects analyst concerns about moderating revenue growth and a marginally higher discount rate.Narrative Update • Nov 05
ACA: Recent Downgrades Will Present Opportunity If Profitability Momentum Holds
Crédit Agricole’s fair value price target was marginally revised lower to €18.64 from €18.71. Analysts cited cautious sentiment and ongoing reductions in official price targets, despite improvements in growth and profitability metrics.Narrative Update • Oct 22
Analyst Commentary Highlights Mixed Outlook and Modest Target Raise for Crédit Agricole
Crédit Agricole’s analyst price target was modestly raised from €18.60 to €18.71, with analysts citing a more stable profit margin outlook. This adjustment is partially offset by slightly lower revenue growth expectations.Narrative Update • Oct 08
Digital Banking And Green Finance Will Boost Efficiency Despite Risks
Crédit Agricole's fair value price target has increased from €18.31 to €18.60. Analysts cite improving profit margins and a reversal to positive revenue growth, while maintaining caution due to a higher discount rate and a tempered industry outlook.
New Narrative • Nov 07
Amundi And Sustainable Partnerships Drive Profitable Growth Amidst Economic Challenges
Customer growth and mortgage recovery in Europe are driving Crédit Agricole's revenue through increased business volume and higher loan interest income.Shareholder Returns
| ACA | FR Banks | FR Market | |
|---|---|---|---|
| 7D | 4.9% | 6.2% | 2.7% |
| 1Y | 8.5% | 33.1% | 6.3% |
Return vs Industry: ACA underperformed the French Banks industry which returned 28.5% over the past year.
Return vs Market: ACA exceeded the French Market which returned 4.8% over the past year.
Price Volatility
| ACA volatility | |
|---|---|
| ACA Average Weekly Movement | 3.7% |
| Banks Industry Average Movement | 4.1% |
| Market Average Movement | 5.2% |
| 10% most volatile stocks in FR Market | 11.2% |
| 10% least volatile stocks in FR Market | 2.7% |
Stable Share Price: ACA has not had significant price volatility in the past 3 months compared to the French market.
Volatility Over Time: ACA's weekly volatility (4%) has been stable over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 1894 | 79,848 | Olivier-Eric Gavalda | www.credit-agricole.com |
Crédit Agricole S.A. provides retail and corporate banking, insurance, and investment banking products and services in France, Italy, rest of the European Union, rest of Europe, North America, Central and South America, Africa, the Middle East, the Asia Pacific, and Japan. It operates in five segments: Asset Gathering, Large Customers, Specialized Financial Services, French Retail Banking – LCL, and International Retail Banking. The company offers savings/retirement, death and disability/creditor/group, and property and casualty insurance products; asset management; investment solutions; banking products and services, savings, wealth management, payment, cash flow management, and online banking services; personal finance and mobility; and specialized financial services.
Crédit Agricole S.A. Fundamentals Summary
| ACA fundamental statistics | |
|---|---|
| Market cap | €52.15b |
| Earnings (TTM) | €6.45b |
| Revenue (TTM) | €26.48b |
8.1x
P/E Ratio0.7x
P/B RatioIs ACA overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| ACA income statement (TTM) | |
|---|---|
| Revenue | €26.48b |
| Cost of Revenue | €0 |
| Gross Profit | €26.48b |
| Other Expenses | €20.03b |
| Earnings | €6.45b |
Last Reported Earnings
Mar 31, 2026
Next Earnings Date
Jul 31, 2026
| Earnings per share (EPS) | 2.13 |
| Gross Margin | 100.00% |
| Net Profit Margin | 24.37% |
| Debt/Equity Ratio | 594.4% |
How did ACA perform over the long term?
See historical performance and comparisonDividends
6.6%
Current Dividend Yield53%
Payout RatioCompany Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2026/06/16 07:31 |
| End of Day Share Price | 2026/06/16 00:00 |
| Earnings | 2026/03/31 |
| Annual Earnings | 2025/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* Example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.
Analysis Model and Snowflake
Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.
Learn about the world class team who designed and built the Simply Wall St analysis model.
Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
Crédit Agricole S.A. is covered by 34 analysts. 13 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Crescentini Giuseppe | Abaxbank |
| Nicolás Fernández Picón | Banco de Sabadell. S.A. |
| Ignacio Mendez Terroso | Banco Santander |