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Crédit Agricole S.A. CRARY

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Price alert · CRARY

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8.32 USD -0.19 -2.23%

At close · Oct 30

8.26 Day range 8.35
8.19 52-week range 11.66
YTD
-18.67%
1 year
-6.83%
Open
8.34
Prev close
8.51
Mkt cap
50.35B
Vol
22.48K
Avg vol
226.10K
EPS
1.14
P/E
7.30
More statistics
Low
8.26
High
8.35
Earnings
Oct 29, 2026

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Financial health

Altman Z-Score

-0.01 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+3 / 5 overall

  • DCF 5
  • Return on Equity 3
  • Return on Assets 1
  • Debt / Equity 1
  • P/E 4
  • P/B 4

Valuation

P/E 8.0×
FY 2016: 10.8×FY 2017: 12.9×FY 2018: 6.7×FY 2019: 8.7×FY 2020: 11.6×FY 2021: 6.8×FY 2022: 6.1×FY 2023: 6.6×FY 2024: 6.3×FY 2025: 8.0×
FY 2016 5y median 6.6× FY 2025
P/S 0.8×
FY 2016: 1.1×FY 2017: 1.3×FY 2018: 0.8×FY 2019: 1.1×FY 2020: 1.0×FY 2021: 1.1×FY 2022: 0.8×FY 2023: 0.6×FY 2024: 0.5×FY 2025: 0.8×
FY 2016 5y median 0.8× FY 2025
P/B 0.7×
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: 0.7×
FY 2016 5y median 0.5× FY 2025
P/FCF 1.2×
FY 2016: -1.4×FY 2017: 1.4×FY 2018: 1.1×FY 2019: 6.3×FY 2020: 0.5×FY 2021: 3.7×FY 2022: -58.9×FY 2023: -1.0×FY 2024: -2.3×FY 2025: 1.2×
FY 2016 5y median -1.0× FY 2025
EV/EBITDA -18.2×
FY 2016: -17.0×FY 2017: 29.9×FY 2018: -20.2×FY 2019: -23.9×FY 2020: -60.0×FY 2021: -43.7×FY 2022: -43.0×FY 2023: -26.2×FY 2024: -19.0×FY 2025: -18.2×
FY 2016 5y median -26.2× FY 2025
EV/Sales -3.2×
FY 2016: -2.3×FY 2017: 6.5×FY 2018: -4.6×FY 2019: -5.1×FY 2020: -11.6×FY 2021: -12.2×FY 2022: -10.3×FY 2023: -4.1×FY 2024: -3.0×FY 2025: -3.2×
FY 2016 5y median -4.1× FY 2025
FCF Yield 86.4%
FY 2016: -73.6%FY 2017: 69.4%FY 2018: 91.4%FY 2019: 15.9%FY 2020: 191.9%FY 2021: 27.0%FY 2022: -1.7%FY 2023: -96.6%FY 2024: -42.7%FY 2025: 86.4%
FY 2016 5y median -1.7% FY 2025

Profitability

Gross Margin 39.7%
FY 2016: 55.9%FY 2017: 59.8%FY 2018: 58.5%FY 2019: 58.3%FY 2020: 60.6%FY 2021: 64.7%FY 2022: 54.9%FY 2023: 34.3%FY 2024: 34.0%FY 2025: 39.7%
FY 2016 5y median 39.7% FY 2025
Operating Margin 15.1%
FY 2016: 11.1%FY 2017: 19.2%FY 2018: 20.3%FY 2019: 18.2%FY 2020: 15.4%FY 2021: 24.4%FY 2022: 20.9%FY 2023: 14.0%FY 2024: 14.3%FY 2025: 15.1%
FY 2016 5y median 15.1% FY 2025
Net Margin 10.7%
FY 2016: 11.7%FY 2017: 11.8%FY 2018: 13.8%FY 2019: 14.8%FY 2020: 9.1%FY 2021: 17.7%FY 2022: 14.1%FY 2023: 9.3%FY 2024: 9.5%FY 2025: 10.7%
FY 2016 5y median 10.7% 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: 0.3%FY 2017: 0.5%FY 2018: 0.6%FY 2019: 0.6%FY 2020: 0.4%FY 2021: 2.7%FY 2022: 0.6%FY 2023: 0.7%FY 2024: 0.7%FY 2025: 0.6%
FY 2016 5y median 0.7% 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 -11.3%
FY 2016: -5.0%FY 2017: 2.6%FY 2018: 3.3%FY 2019: 2.7%FY 2020: -9.3%FY 2021: 11.2%FY 2022: 13.7%FY 2023: 81.7%FY 2024: 9.0%FY 2025: -11.3%
FY 2016 FY 2025
Operating Income -6.0%
FY 2016: -12.2%FY 2017: 77.1%FY 2018: 9.6%FY 2019: -8.4%FY 2020: -22.9%FY 2021: 76.1%FY 2022: -2.6%FY 2023: 21.3%FY 2024: 11.3%FY 2025: -6.0%
FY 2016 FY 2025
EPS (diluted) 3.8%
FY 2016: -7.7%FY 2017: 0.0%FY 2018: 28.7%FY 2019: 6.5%FY 2020: -40.5%FY 2021: 109.1%FY 2022: -13.0%FY 2023: 21.2%FY 2024: 8.2%FY 2025: 3.8%
FY 2016 FY 2025
Free Cash Flow 368.2%
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: -104.9%FY 2023: -7454.9%FY 2024: 54.6%FY 2025: 368.2%
FY 2016 FY 2025

Financial Health

Current Ratio 0.6×
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: 0.7×FY 2023: 0.6×FY 2024: 0.8×FY 2025: 0.6×
FY 2016 5y median 0.6× FY 2025
Quick Ratio 0.6×
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: 0.7×FY 2023: 0.6×FY 2024: 0.8×FY 2025: 0.6×
FY 2016 5y median 0.7× 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 -22.7×
FY 2016: -24.9×FY 2017: 24.0×FY 2018: -23.9×FY 2019: -29.1×FY 2020: -65.2×FY 2021: -47.7×FY 2022: -46.2×FY 2023: -29.8×FY 2024: -22.4×FY 2025: -22.7×
FY 2016 5y median -29.8× FY 2025
Interest Coverage 0.3×
FY 2016: 0.3×FY 2017: 0.5×FY 2018: 0.5×FY 2019: 0.4×FY 2020: 0.4×FY 2021: 0.7×FY 2022: 0.5×FY 2023: 0.2×FY 2024: 0.2×FY 2025: 0.3×
FY 2016 5y median 0.3× FY 2025

Dividends

Dividend Yield 6.7%
FY 2016: 3.2%FY 2017: 6.3%FY 2018: 6.8%FY 2019: 5.3%FY 2020: 2.0%FY 2021: 8.2%FY 2022: 11.1%FY 2023: 8.9%FY 2024: 12.9%FY 2025: 6.7%
FY 2016 5y median 8.9% 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: 54.6%FY 2024: 72.5%FY 2025: 49.8%
FY 2016 5y median 54.6% FY 2025

Annual · latest fiscal year ends 2025-12-31