OTC: CRARY - Crédit Agricole S.A.

Yield per half year: +27.31%
Dividend yield: +7.02%
Sector: Financials

Reporting Crédit Agricole S.A.

Capitalization

IFRS
Reporting Annual Quarterly
2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 LTM 5 year average CAGR 5
Капитализация, млрд €
37.19 27.73 50.85 46.35 35.55 3.32 38.18 15.16 17.13 34.7 21.87 -13.59
Выручка, млрд €
16.84 18.5 18.69 19.12 18.06 21.4 21.96 23.45 25.33 25.33 22.04 7.00
Чистая прибыль, млрд €
3.54 3.65 4.4 4.84 2.69 5.84 5.31 6.35 7.09 7.09 5.46 21.39
EV, млрд €
335.23 -8.14 -133.83 -11.57 -301.41 -381.04 -402.73 -579.52 -541.55 -541.55 -441.2500 12.43
EBIT, млрд €
19.13 17.55 17.81 19.11 5.3 3.82 7.1 24.17 -1.26 -1.26 7.83 -175.03
EBITDA, млрд €
19.79 18.25 18.6 19.87 6.35 4.96 8.25 25.28 -0.104 -0.104 8.95 -143.94
Баланс стоимость, млрд €
58.28 58.06 58.81 62.92 65.22 68.22 64.63 63.87 74.71 74.71 67.33 2.75
FCF, млрд €
-23.49 27.52 24.24 5.89 56.54 10.05 -0.495 -33.83 -16.98 -16.98 3.06 -178.62
Операционный денежный поток, млрд €
-22.71 28.58 24.93 6.84 57.29 10.93 0.594 -33.03 -15.91 -15.91 3.97 -177.40
Операционная прибыль, млрд €
17.55 17.81 19.11 5.3 3.82 7.08 24.1 9.34 10.43 10.43 10.95 22.25
Операционные расходы, млрд €
11.95 12.18 12.59 12.76 12.94 13.8 14.58 13.94 14.9 14.9 14.03 2.86
CAPEX, млрд €
0.784 1.06 0.688 0.947 0.748 0.876 1.09 0.8006 1.07 1.07 0.9169 7.42


Balance sheet

IFRS
Reporting Annual Quarterly
2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 LTM 5 year average CAGR 5
Наличность, млрд €
314.95 350.06 380.28 428.23 561.87 640.85 654.92 598.93 581.47 581.47 607.61 0.69
Short Term Investments €
387.84 383.57 378.82 379.17 831.29 426.53 446.2 779.47 779.47 572.53 15.50
Long term investments €
418.78 433.69 642.92 601.47 703.92 662.42 699.2 681.79 669.25 690.11 680.55 0.82
Total Receivables €
61.5 54.82 61.87 58.71 56.65 70.21 106.34 96.19 95.23 95.23 84.92 10.95
Total Current Assets €
376.45 404.88 442.15 486.94 618.52 711.05 761.26 696.55 581.47 581.47 673.77 -1.23
Чистые активы, млрд €
3.96 3.93 3.83 4.21 4.07 5.6 5.78 6.1 6.02 835.25 5.51 8.14
Активы, млрд €
1 524.23 1 550.28 1 624.39 1 767.64 1 961.06 2 073.96 2 167.62 2 189.4 2 309.78 2 309.78 2140.36 3.33
Short Term Debt €
457.48 82.7 198.1 172.7 219.69 298.5 261.27 261.27 230.05 5.69
Long Term Debt €
195.83 193.04 145.83 167.39 343.75 168.77 183.02 201.75 4.65
Задолженность, млрд €
1 460.3 1 485.58 1 558.88 1 696.8 188.36 199.33 237.73 2 109.48 2 226.47 2 226.47 992.27 63.88
Чистый долг, млрд €
-100.87 -135.52 -173.04 -203.97 -373.52 -441.52 -417.2 -598.93 -581.47 -581.47 -482.5280 9.26
Долг, млрд €
653.31 275.73 196.11 381.11 168.11 190.38 237.73 493.26 493.26 294.12 5.29
Interest income €
25.05 24.7 24.82 25.11 23.53 23.8 29.87 59.12 32.29 18.68
Расходы на обслуживание долга €
13.31 12.43 13.25 13.66 11.72 11.68 17 44.88 49.15 49.15 26.89 33.20
Чист. проц. доходы, млрд €
11.74 12.28 11.57 11.44 11.82 12.12 12.86 14.24 66.01 12.50 4.48
Goodwill €
13.33 13.55 13.19 15.42 15.49 15.28 14.66 15.63 15.68 15.93 15.44 0.84
Амортизация, млрд €
0.706 0.786 0.759 1.05 1.14 1.15 1.11 1.15 1.25 1.25 1.16 1.86
Себестоимость, млрд €
-60.63 -60.6300 0.00
Товарно материальные запасы €
0.112 0.129 0.139 0.144 -360.6 -497.38 -515.61 527.34 84.34 84.34 -152.3820 -174.78


Share

IFRS
Reporting Annual Quarterly
2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 LTM 5 year average CAGR 5
EPS 0.4384 0.5987 0.7955 0.7661 0.7038 0.9891 1.78 2.09 1.18 1.18 1.35 10.89
Цена акции ао 8.22 5.33 7.23 6.24 7.08 5.22 7.06 6.83 9.15 9.15 7.07 5.26
Число акций ао, млн 5469.99 6511.77 6291.43 5764.8 659.57 5413.19 2989.01 3031.06 6030.16 6030.16 3624.60 55.67
FCF/акцию -4.29 4.23 3.85 1.02 85.72 1.86 -0.1656 -11.16 -2.82 -2.82 14.69 -150.52


Efficiency

IFRS
Reporting Annual Quarterly
2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 LTM Industry average 5 year average CAGR 5
ROE, % 6.07 6.29 7.48 7.7 4.13 8.57 7.99 9.88 10.23 10.23 19.76 8.16 19.89
ROA, % 0.2322 0.2354 0.2709 0.274 0.1373 0.2818 0.2502 0.2914 0.315 0.315 4.95 0.2551 18.07
ROIC, % 0.3992 0.9073 1.69 2.27 3.39 2.79 2.06 7.36 2.44 4.04
ROS, % 19.73 23.55 25.33 14.91 27.31 24.17 27.07 27.98 27.98 27.98 26.82 26.90 0.49
ROCE, % 27.44 27.52 29.17 7.48 0.2156 0.3787 2.64 -0.0576 -1.51 -1.51 9.68 0.3333 -247.59
Ebit margin, % 27.72 21.16 33.18 110.1 -5.37 -4.97 -4.97 30.82 -174.85
Рентаб EBITDA, % 108.38 100.54 106.34 33.2 27.48 38.57 115.13 -0.4434 -0.4106 -0.4106 21.90 36.07 -143.14
Чистая рентаб, % 21.02 19.73 23.55 25.33 14.91 27.31 24.17 27.07 27.98 27.98 26.83 24.29 13.42
Operation Margin, % 96.29 102.28 27.72 21.16 33.09 109.78 39.84 41.18 41.18 41.18 14.48 53.01 4.47
Доходность FCF, % -45.65 -19.77 -84.72 54.12 52.3 16.57 1702.66 26.33 -3.27 205.07 389.47 65.39


Coefficients

IFRS
Reporting Annual Quarterly
2013 2014 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 LTM Industry average 5 year average CAGR 5
P/E
7.83 13.94 10.53 7.34 1.23 6.53 2.73 3.06 5.63 5.63 19.24 3.84 35.56
P/BV
0.4758 0.8759 0.7882 0.565 0.0509 0.5597 0.0075 0.2428 0.4792 0.4792 2.36 0.2680 56.59
P/S
1.65 2.75 2.48 1.86 0.1839 1.78 0.659 0.8275 1.58 1.58 4.64 1.01 53.75
P/FCF
1.85 1.91 6.04 0.0587 3.8 -30.62 0.4876 1.09 -2.04 -2.04 2.29 -5.4565 -188.30
E/P
0.0718 0.0949 0.1363 0.8107 0.1531 0.3501 0.3705 0.1829 0.2042 0.2042 87.84 0.2522 5.93
EV/EBIT
-34.97 -93.88 -59.56 -16.66 460.31 68.52 430.15 430.15 176.55 -248.50
EV/EBITDA
17.34 -0.4286 -7.12 -1.82 -20.25 -20.02 -15.93 5572.35 829.43 -127.06 1102.87 -597.96
EV/S
19.04 -0.522 -0.605 -19.87 -19.76 -18.34 -24.71 -21.38 -21.38 -21.38 4.03 -21.1140 1.59
EV/FCF
34.6 0.4585 -1.96 -6.35 -42.06 813.6 17.13 31.9 31.9 31.9 9.29 170.49 -194.62
Debt/EBITDA
14.52 10.43 60.04 11.29 10 9.4 -4742.92 -4742.92 -4742.92 -4742.92 -176.21 -2841.8720 -442.93
Netdebt/Ebitda
-7.29 -8.71 -32.13 -75.24 -53.5 -16.51 5758.96 1016.04 5591.08 5591.08 240.99 2459.21 -353.41
Debt/Ratio
0.4251 0.1735 0.2156 0.096 0.0961 0.1097 0.2253 0.2253 0.2136 0.2136 0.12 0.1740 17.32
Debt/Equity
15.45 5.51 6.06 2.89 2.92 3.68 7.72 0.5906 26.72 26.72 11.24 8.33 55.70
Debt/Net Income
260.8 117.83 78.68 69.97 34.11 44.8 77.7 77.7 69.6 69.6 18.05 60.78 15.33
PEG
-10.72 -10.72 -10.7200 0.00
Бета
1.51 -2 -5.04 -5.04 -0.75 -1.8433 -249.45
Индекс Альтмана
0.0755 0.0758 0.0342 0.0122 0.0412 0.0518 -1.05 -4.67 -0.8215 -0.8215 40.56 -1.2897 -281.95


Dividends

IFRS
Reporting Annual Quarterly
2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 LTM Industry average 5 year average CAGR 5
Див.выплата, млрд
0.616 0.749 1.02 2.48 2.47 2.67 0.583 3.07 3.13 5.14 2.92 14.00
Дивиденд
0.1954 0.3377 0.32 0.39 0.3855 0.484 0.0034 0.5063 0.4958 0.4958 0.3750 5.16
Див доход, ао, %
6.66 4.1 5.29 6.25 5.82 6.86 10.4 10.12 7.02 7.02 6.73 8.04 3.82
Дивиденды / прибыль, %
28.81 67.96 56.02 55.04 21.66 52.48 60.72 49.35 72.54 72.54 47.94 51.35 27.35


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Other

IFRS
Reporting Annual
2023 2024 CAGR 5
Персонал, чел
71652 78823 4.88