Crédit Agricole stock
ACA.PAPARCrédit Agricole S.A., Financial ServicesISIN FR0000045072
61Score 61 out of 100, Neutral
Price and trend
41 / 100
Price history
−2.5% in one yearThe chart shows daily closes over 20 years, adjusted for stock splits and without dividends. Click into the chart to set a price alert at that price.
Below the 200-day line: the price is 9.1% below it.
Since October 2026 the 50-day line has been below the 200-day line; the trend has turned down.
Overheated: the price has risen very quickly lately (RSI 75).
The price is 22% below its 52-week high. Largest decline in 20 years: 91% (May 2007 to May 2012).
Chart figures for advanced users
- SMA 50$18.61
- Average price of the last 50 trading days, shows the short-term trend.
- SMA 200$19.37
- Average price of the last 200 trading days, shows the long-term trend.
- RSI (14)75
- Relative strength over the last 14 days on a scale from 0 to 100. Above 70 the price counts as overheated, below 30 as sharply fallen.
- MACDabove the signal line
- Compares a fast and a slow price average. Above its signal line momentum is rising, below it momentum is fading.
- Support$16.53
- The lowest closing price of the last twelve months.
- Resistance$22.48
- The highest closing price of the last twelve months.
Snapshot
Computed from the data by fixed rules, no AI
- Crédit Agricole S.A. belongs to the Banks (Regional) industry (France) and, with a market value of $53.29B, is number 22 of 422 companies in its industry on MEQIRI.
- In fiscal 2025 it earned $7.87B (down 0.2% year on year).
- MEQIRI Score 61 out of 100 (Neutral): rank 692 of 976 in Financial Services, median 68.
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- The P/E is 7.8 (Banks (Regional) median 12.2, own median of recent years 7.4).
- Our model puts fair value at $34.38, with the price 49% below it.
In plain words
The numbers on this page in plain words, written by an AI
Strengths
- High dividend yieldDividend yield 7.12%, Banks (Regional) median 2.79%.Capital allocation 54
- Earnings per share growingUp 22.2% a year since 2020.Growth 88
- Consistently profitableProfit in all 10 fiscal years from 2016 to 2025.Fundamentals 78
Weaknesses
- High leverageTotal assets 35.2 times equity.Stability 34
Its standout strengths are valuation and growth, while technical analysis and stability hold the score back.
Daily figure as of 12 Nov 2026
How the score is calculatedScore overview
Score since yesterday from 62 to 61.
The fundamentals are strong overall.
Score history
The full history of up to 20 years comes with MEQIRI Pro.
See plansCrash risk high
How well MEQIRI warnsOne of the 30% with the highest crash risk among stocks ranked 101 to 1,000.
From 2016 to 2025, 23 in 100 such stocks fell 30% or more within a year, against a group average of 15 in 100.
What drives the risk
- high growth grade (crashed more often in the backtest)
What lowers it
- solid fundamentals
Valuation
Valuation signal
Possible value trapClosing price of 11 Nov 2026, used by the daily score.
In our model the price counts as cheap below $28.65 and expensive above $42.97 (uncertainty low, based on the price swings of the past year).
The two parts of the fair value come to $41.21 (excess return model) and $27.55 (industry comparison), and the gap between them shows how uncertain the estimate is. The price is below both.
Calculated with a cost of equity of 7.8%. At 8.8% the fair value would be $30.94, at 6.8% it would be $39.53.
Possible value trap: looks cheap, but high risk.
Valuation metrics
Half from the excess return model, half from earnings times the industry P/E (12.2).
Calculate with your own assumptionsCompany performance
This shows several years of history with an automatic assessment.
Revenue
In the twelve months to 30 Jun 2026, revenue rose 34.6% on the twelve months before. Revenue has grown solidly since 2006, at about 8% per year.
Margins
- Operating margin
- Net margin
In fiscal 2025: operating 15%, net 10%. Banks and insurers have no gross margin, and their net margin is not comparable with other industries. The score leaves both out.
Debt & balance sheet
latest quarterFor banks and insurers, deposits and liabilities are the business. Debt to equity and the current ratio say little here, and the score does not rate them.
Earnings
- Next earnings
- No date announced.
- Last reported
- 30 Oct 2026EPS reported $1.28 (expected $0.64)above expectations
Analyst estimates
Earnings estimates have barely changed since 15 Oct 2026.
- Earnings per share
- $2.55−0.3%
- Revenue
- $31.81B−0.1%
- Earnings per share
- $2.76−0.3%
- Revenue
- $32.91B−0.1%
MEQIRI has stored the estimates since 15 Oct 2026. Until 30 days are available, the card shows the change since that day. Mean estimate according to Financial Modeling Prep. No price target and no recommendation.
Company outlook confirmed
Share price after the results: −4.2%Guidance unchanged: LCL net interest income in 2026 still growing at a high single digit rate and Leasys making a single-digit contribution.
“So maybe first on net interest income for LCL, there is no change in our high single-digit guidance for 2026.”The outlook is not part of the score and not a recommendation to buy or sell.
From the earnings call on 30 Apr 2026 (fiscal Q1 2026), read by AI.
What happened at Crédit Agricole
The key events of the last six months from our own data. A click takes you to the matching card.
Sector comparison
976 rated companies in Financial Services
- This company
- 61
- Sector median
- 68
Categories against the sector median
The median is the middle value: half of the companies in the sector lie above it, half below. Categories with too few comparable companies are left out.
Competitors in Banks (Regional)
The next larger and next smaller companies by market value
- Industrial Bank601166.SS $62.02B62
- Truist FinancialTFC $60.24B56
- Nu HoldingsNU $59.51B60
- Société GénéraleGLE.PA $54.14B61
- KBC GroupKBC.BR $53.34B76
- Kotak Mahindra BankKOTAKBANK.NS $51.78B72
- Erste Group BankEBS.VI $51B81
- Shanghai Pudong Development Bank600000.SS $50.78B52
ETFs that hold Crédit Agricole
Held by 150 ETFs on Xetra. Shown per index: the ETF with the largest weight.
| ETF | Weight | Cost | Fund size |
|---|---|---|---|
| Amundi Euro Stoxx Select Dividend30 UCITS ETF DistC051 | 3.32% | 0.25% | €138.26M |
| Deka EURO STOXX Select Dividend 30 UCITS ETFEL4G | 3.27% | 0.32% | €353.06M |
| iShares Euro Dividend UCITS ETF EUR DistIQQA | 3.25% | 0.40% | €1.66B |
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| iShares STOXX Europe Select Dividend 30 UCITS ETF (DE)EXSH | 2.55% | 0.31% | €1.38B |
| Invesco EURO STOXX High Dividend Low Volatility UCITS ETFEHDV | 2.01% | 0.30% | €591.5M |
| iShares STOXX Europe Equity Multifactor UCITS ETFIBC0 | 1.81% | 0.25% | €653.86M |
| Amundi Euro Stoxx Banks UCITS ETF AccLYBK | 1.40% | 0.30% | €6.12B |
| iShares EURO STOXX Banks 30-15 UCITS ETF (DE)EXX1 | 1.38% | 0.51% | €2.5B |
Holdings as reported by the funds via FMP, excluding swap ETFs (their holdings are only collateral).
Data status and sources
- Score
- Daily value of 12 Nov 2026, recalculated nightly
- Price
- Closing price of 12 Nov 2026
- Latest annual report
- Fiscal year 2025, period end 31 Dec 2025
- Currency
- Amounts in US dollars, converted at the ECB reference rate of 11 Nov 2026 ($1 = €0.8987)
- Source
- Financial statements, ratios and prices from Financial Modeling Prep (FMP), based on the company's reports. MEQIRI calculates the score and fair value from them.
Mandatory disclosures for this rating
- ; time horizon around 12 months
- Rated Neutral, published since 7 Nov 2026 (in the score history since 21 Aug 2026)
- Valuation signal Fairly valued since 7 Nov 2026
- End-of-day prices, metrics cached for up to 24 hours
- Score and fair value are estimates from a disclosed model. They are not facts and not a price target.
- Produced by SSM Ventures UG (haftungsbeschränkt), responsible person Sven Brostmeyer, Managing Director, automatically according to the disclosed model.
- Not investment advice. Losses up to and including a total loss are possible. Personal circumstances are not considered.