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CRARF

Crédit Agricole S.A.

USD

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Price alert · CRARF

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16.44 USD -0.42 -2.49%
As of Oct 30, 2026
18.23 Day range 18.23
16.33 52-week range 23.05
YTD
-21.19%
1 year
-14.91%
Open
18.23
Prev close
16.86
Mkt cap
49.75B
Vol
166
Avg vol
758
EPS
2.31
P/E
7.12
More statistics
Low
18.23
High
18.23

5D chart

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Financial health

Altman Z-Score

0.00 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

6 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

B-2 / 5 overall

  • DCF 1
  • Return on Equity 3
  • Return on Assets 1
  • Debt / Equity 1
  • P/E 4
  • P/B 4

Valuation

P/E 8.1×
FY 2016: 9.1×FY 2017: 10.7×FY 2018: 6.0×FY 2019: 7.6×FY 2020: 12.9×FY 2021: 6.6×FY 2022: 6.0×FY 2023: 6.5×FY 2024: 6.4×FY 2025: 8.1×
FY 2016 5y median 6.5× FY 2025
P/S 0.6×
FY 2016: 2.1×FY 2017: 2.3×FY 2018: 1.4×FY 2019: 1.9×FY 2020: 1.7×FY 2021: 1.7×FY 2022: 1.4×FY 2023: 1.6×FY 2024: 1.6×FY 2025: 0.6×
FY 2016 5y median 1.6× FY 2025
P/B 0.8×
FY 2016: 0.5×FY 2017: 0.7×FY 2018: 0.5×FY 2019: 0.6×FY 2020: 0.5×FY 2021: 0.5×FY 2022: 0.4×FY 2023: 0.5×FY 2024: 0.5×FY 2025: 0.8×
FY 2016 5y median 0.5× FY 2025
P/FCF 1.3×
FY 2016: -1.4×FY 2017: 1.4×FY 2018: 1.1×FY 2019: 6.3×FY 2020: 0.5×FY 2021: 3.6×FY 2022: 68.7×FY 2023: -1.0×FY 2024: -2.4×FY 2025: 1.3×
FY 2016 5y median 1.3× FY 2025
EV/EBITDA -16.6×
FY 2016: -97.6×FY 2017: 255×FY 2018: -193×FY 2019: -159×FY 2020: -301×FY 2021: -47.9×FY 2022: -45.0×FY 2023: -27.4×FY 2024: -20.0×FY 2025: -16.6×
FY 2016 5y median -27.4× FY 2025
EV/Sales -2.1×
FY 2016: -4.6×FY 2017: 11.6×FY 2018: -7.8×FY 2019: -8.8×FY 2020: -19.1×FY 2021: -19.3×FY 2022: -18.6×FY 2023: -11.9×FY 2024: -8.9×FY 2025: -2.1×
FY 2016 5y median -11.9× FY 2025
FCF Yield 75.1%
FY 2016: -73.5%FY 2017: 70.8%FY 2018: 91.6%FY 2019: 16.0%FY 2020: 189.5%FY 2021: 27.6%FY 2022: 1.5%FY 2023: -97.3%FY 2024: -41.7%FY 2025: 75.1%
FY 2016 5y median 1.5% FY 2025

Profitability

Gross Margin 27.0%
FY 2016: 100.0%FY 2017: 100.0%FY 2018: 100.0%FY 2019: 100.0%FY 2020: 100.0%FY 2021: 100.0%FY 2022: 100.0%FY 2023: 100.0%FY 2024: 100.0%FY 2025: 27.0%
FY 2016 5y median 100.0% FY 2025
Operating Margin 10.7%
FY 2016: 95.0%FY 2017: 95.3%FY 2018: 95.6%FY 2019: 94.2%FY 2020: 93.3%FY 2021: 94.2%FY 2022: 94.7%FY 2023: 95.1%FY 2024: 95.1%FY 2025: 10.7%
FY 2016 5y median 94.7% FY 2025
Net Margin 7.3%
FY 2016: 23.4%FY 2017: 21.2%FY 2018: 23.5%FY 2019: 25.6%FY 2020: 15.0%FY 2021: 27.8%FY 2022: 25.6%FY 2023: 27.0%FY 2024: 28.0%FY 2025: 7.3%
FY 2016 5y median 27.0% FY 2025
ROE 9.1%
FY 2016: 6.1%FY 2017: 6.4%FY 2018: 7.5%FY 2019: 7.7%FY 2020: 4.1%FY 2021: 8.6%FY 2022: 8.0%FY 2023: 8.9%FY 2024: 9.5%FY 2025: 9.1%
FY 2016 5y median 8.9% FY 2025
ROIC 0.6%
FY 2016: 1.3%FY 2017: 1.4%FY 2018: 1.6%FY 2019: 1.7%FY 2020: 1.4%FY 2021: 6.7%FY 2022: 1.7%FY 2023: 1.6%FY 2024: 1.5%FY 2025: 0.6%
FY 2016 5y median 1.6% FY 2025
ROA 0.3%
FY 2016: 0.2%FY 2017: 0.2%FY 2018: 0.3%FY 2019: 0.3%FY 2020: 0.1%FY 2021: 0.3%FY 2022: 0.2%FY 2023: 0.3%FY 2024: 0.3%FY 2025: 0.3%
FY 2016 5y median 0.3% FY 2025

Growth (YoY)

Revenue 284.0%
FY 2016: -2.1%FY 2017: 13.9%FY 2018: 8.9%FY 2019: 1.1%FY 2020: -5.2%FY 2021: 17.0%FY 2022: -1.3%FY 2023: 13.1%FY 2024: 7.8%FY 2025: 284.0%
FY 2016 FY 2025
Operating Income -56.8%
FY 2016: -2.5%FY 2017: 14.2%FY 2018: 9.2%FY 2019: -0.4%FY 2020: -6.1%FY 2021: 18.3%FY 2022: -0.8%FY 2023: 13.6%FY 2024: 7.8%FY 2025: -56.8%
FY 2016 FY 2025
EPS (diluted) 3.3%
FY 2016: -3.8%FY 2017: -0.8%FY 2018: 24.2%FY 2019: 9.7%FY 2020: -52.7%FY 2021: 130.0%FY 2022: -13.0%FY 2023: 21.2%FY 2024: 8.8%FY 2025: 3.3%
FY 2016 FY 2025
Free Cash Flow 379.2%
FY 2016: -219.4%FY 2017: 217.2%FY 2018: -11.9%FY 2019: -75.7%FY 2020: 859.9%FY 2021: -82.2%FY 2022: -95.8%FY 2023: -8982.9%FY 2024: 54.6%FY 2025: 379.2%
FY 2016 FY 2025

Financial Health

Current Ratio 0.5×
FY 2016: 0.6×FY 2017: 0.1×FY 2018: 0.6×FY 2019: 0.6×FY 2020: 0.6×FY 2021: 0.6×FY 2022: 0.6×FY 2023: 0.6×FY 2024: 0.6×FY 2025: 0.5×
FY 2016 5y median 0.6× FY 2025
Quick Ratio 0.5×
FY 2016: 0.6×FY 2017: 0.1×FY 2018: 0.6×FY 2019: 0.6×FY 2020: 0.6×FY 2021: 1.0×FY 2022: 1.0×FY 2023: 0.6×FY 2024: 0.6×FY 2025: 0.5×
FY 2016 5y median 0.6× FY 2025
Debt / Equity 4.0×
FY 2016: 3.7×FY 2017: 3.8×FY 2018: 3.5×FY 2019: 3.6×FY 2020: 2.9×FY 2021: 2.9×FY 2022: 3.6×FY 2023: 3.9×FY 2024: 4.2×FY 2025: 4.0×
FY 2016 5y median 3.9× FY 2025
Net Debt / EBITDA -21.7×
FY 2016: -143×FY 2017: 205×FY 2018: -228×FY 2019: -195×FY 2020: -327×FY 2021: -52.2×FY 2022: -48.3×FY 2023: -31.1×FY 2024: -23.6×FY 2025: -21.7×
FY 2016 5y median -31.1× FY 2025
Interest Coverage 0.3×
FY 2016: 1.1×FY 2017: 1.3×FY 2018: 1.4×FY 2019: 1.3×FY 2020: 1.4×FY 2021: 1.7×FY 2022: 1.2×FY 2023: 0.5×FY 2024: 0.5×FY 2025: 0.3×
FY 2016 5y median 0.5× FY 2025

Dividends

Dividend Yield 5.6%
FY 2016: 3.2%FY 2017: 6.4%FY 2018: 6.8%FY 2019: 5.4%FY 2020: 2.0%FY 2021: 8.4%FY 2022: 11.2%FY 2023: 9.8%FY 2024: 12.6%FY 2025: 5.6%
FY 2016 5y median 9.8% FY 2025
Payout Ratio 49.8%
FY 2016: 28.8%FY 2017: 68.0%FY 2018: 41.0%FY 2019: 40.8%FY 2020: 21.7%FY 2021: 52.5%FY 2022: 60.8%FY 2023: 59.4%FY 2024: 72.5%FY 2025: 49.8%
FY 2016 5y median 59.4% FY 2025

Annual · latest fiscal year ends 2025-12-31