Price
No data yet.
Social Signal Score
Revenue
$54.62B+1380.56%Analyst Estimates
Consensus estimates, not results. Via Financial Modeling Prep.
Company Profile
- CEO
- Olivier-Eric Alain Gavalda
- Sector
- Financial Services
- Industry
- Banks - Regional
- Employees
- 79,848
- Beta
- 0.81
- Country
- FR
- Piotroski score
- 6 / 9 (Middling)
- Altman Z-score
- -0.01
Financials
Revenue
$54.62B+1380.6%Net Income
$3.80B+103.9%EBITDA
$5.59B+750.7%Free Cash Flow
—EPS (diluted)
$0.59+90.3%Shares Outstanding (diluted)
6.05B-1.5%Operating Expenses
$5.18BCash & Debt
$150.21BReturn of Capital
$0.00Dividend per Share
$0.66Quote
Valuation & Ratios
Returns & Efficiency
Revenue & Net Income (Annual)
| Fiscal Year | Revenue | Net Income | EPS |
|---|---|---|---|
| 2025 | $66.08B | $7.07B | $1.09 |
| 2024 | $74.47B | $7.09B | $1.05 |
| 2023 | $68.33B | $6.35B | $0.97 |
| 2022 | $37.61B | $5.31B | $0.80 |
| 2021 | $33.07B | $5.84B | $0.92 |
| 2020 | $29.73B | $2.69B | $0.44 |
| 2019 | $32.79B | $4.84B | $0.74 |
| 2018 | $31.94B | $4.40B | $0.70 |
| 2017 | $30.92B | $3.65B | $0.54 |
| 2016 | $30.15B | $3.54B | $0.54 |
| 2015 | $31.72B | $3.52B | $0.59 |
| 2014 | $31.12B | $2.34B | $0.41 |
| 2013 | $31.57B | $2.51B | $0.49 |
| 2012 | $34.60B | $-6.39B | $-1.30 |
Valuation
Project earnings forward and see what return today's price implies.
EPS was negative in at least one boundary year, so a compound growth rate can't be computed from it. Set your own assumption.
- EPS in 5 years
- $1.72
- Implied price
- $13.74
- Return from $11.05
- 4.4% a year
To earn 15.0% a year on these assumptions you'd need to buy at $6.83 — -38.2% below today's price.
How sensitive is that answer?
Annual return across nearby assumptions. If the result is only attractive in one corner, that is the finding.
| growth \ P/E | 4 | 6 | 8 | 10 | 12 |
|---|---|---|---|---|---|
| -2.0% | -17.5% | -10.5% | -5.2% | -0.9% | 2.8% |
| 3.0% | -13.3% | -6.0% | -0.4% | 4.2% | 8.0% |
| 8.0% | -9.1% | -1.4% | 4.4% | 9.2% | 13.3% |
| 13.0% | -4.9% | 3.2% | 9.3% | 14.3% | 18.5% |
| 18.0% | -0.7% | 7.7% | 14.1% | 19.3% | 23.8% |
This is arithmetic on assumptions you chose, not a forecast or a recommendation. It ignores dividends, buybacks, share issuance and debt, and it assumes a company still earning money in 5 years. Change any input and the answer changes a lot — that sensitivity is the honest result, not a flaw in the model.
Signal Score (90d)
100Social Signal Score
Mentions (1)
- Newszacks.com·5h ago·Neutral
Are Investors Undervaluing Credit Agricole (CRARY) Right Now? Here at Zacks, our focus is on the proven Zacks Rank system, which emphasizes earnings estimates and estimate revisions to find great stocks. Nevertheless, we are always paying attention to the latest value, growth, and momentum trends to underscore strong picks.
View source ↗
Earnings
Thu, Oct 29(in 2 months)
Consensus estimate $0.33 per share
Typical surprise +3.3% (median, so one quarter with a near-zero estimate can't distort it)
- Fri, Jul 31$0.34 vs $0.35miss
- Thu, Apr 30$0.30 vs $0.29beat
- Wed, Feb 4$0.17 vs $0.27miss
- Thu, Oct 30$0.31 vs $0.30beat
- Thu, Jul 31$0.42 vs $0.36beat
- Wed, Apr 30$0.29 vs $0.32miss
Estimates and results for CRARY via Financial Modeling Prep. Beating consensus says the company cleared the bar analysts set, not that the business grew.