Crédit Agricole S.A.
Crédit Agricole S.A. Fundamental Analysis
Crédit Agricole S.A. (CRARF) shows moderate financial fundamentals with a PE ratio of 8.20, profit margin of 5.45%, and ROE of 9.33%. The company generates $1.3B in annual revenue with strong year-over-year growth of 34.99%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 51.0/100 based on profitability, valuation, growth, and balance sheet metrics. The C grade reflects average fundamentals, with notable risks in certain areas.
Fundamental Health Score
We analyze CRARF's fundamental strength across five key dimensions:
Efficiency Score
WeakCRARF struggles to generate sufficient returns from assets.
Valuation Score
ExcellentCRARF trades at attractive valuation levels.
Growth Score
ModerateCRARF shows steady but slowing expansion.
Financial Health Score
WeakCRARF carries high financial risk with limited liquidity.
Profitability Score
WeakCRARF struggles to sustain strong margins.
Key Financial Metrics
Is CRARF Expensive or Cheap?
P/E Ratio
CRARF trades at 8.20 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, CRARF's PEG of 0.10 indicates potential undervaluation.
Price to Book
The market values Crédit Agricole S.A. at 0.82 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 17.06 times EBITDA. This signals the market has high growth expectations.
How Well Does CRARF Make Money?
Net Profit Margin
For every $100 in sales, Crédit Agricole S.A. keeps $5.45 as profit after all expenses.
Operating Margin
Core operations generate 15.41 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $9.33 in profit for every $100 of shareholder equity.
ROA
Crédit Agricole S.A. generates $0.29 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Crédit Agricole S.A. generates strong operating cash flow of $72.40B, reflecting robust business health.
Free Cash Flow
Crédit Agricole S.A. generates strong free cash flow of $70.66B, providing ample flexibility for dividends, buybacks, or growth.
FCF Per Share
Each share generates $23.35 in free cash annually.
FCF Yield
CRARF converts 1.24% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
8.20
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
0.10
vs 25 benchmark
P/B Ratio
Price to book value ratio
0.82
vs 25 benchmark
P/S Ratio
Price to sales ratio
44.76
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
4.50
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.52
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.09
vs 25 benchmark
ROA
Return on assets percentage
0.003
vs 25 benchmark
ROCE
Return on capital employed
0.02
vs 25 benchmark
How CRARF Stacks Against Its Sector Peers
| Metric | CRARF Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 8.20 | 18.73 | Better (Cheaper) |
| ROE | 9.33% | 847.00% | Weak |
| Net Margin | 545.43% | 2562.00% | Weak |
| Debt/Equity | 4.50 | 0.93 | Weak (High Leverage) |
| Current Ratio | 0.52 | 674.76 | Weak Liquidity |
| ROA | 0.29% | -21692.00% (disorted) | Weak |
CRARF outperforms its industry in 1 out of 6 key metrics, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Crédit Agricole S.A.'s 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
222.30%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
133.61%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
-19.25%
Industry Style: Value, Dividend, Cyclical
Declining