Crédit Agricole S.A (ACA) Fair Value & Analysis
Financial Services · FR · Market cap €54.2B
Fair value as of: Jul 17, 2026
From 26 valuation models · updated 11 days ago
Share price +6.2% over the past month.
What matters now
- The price is below even our cautious bear case (€22.80). The market is more pessimistic than our downside scenario.
- Solid quality (63/100) at a price below fair value, the discount is the argument here, not the business quality.
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Price vs Fair Value (12 months)
12‑month range €14.41 – €18.61 · fair‑value band €22.80 – €37.99 · the €18.61 price screens below the €30.40 fair value. As of Jul 17, 2026.
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Crédit Agricole S.A (ACA) currently trades at €18.61, while our model-based Fair Value estimate is €30.40, implying the stock looks roughly 63.4% undervalued today. We read business quality at 63/100 (solid quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high), always confirm before acting.
Over the trailing twelve months, Crédit Agricole S.A generated revenue of €26.5B at a net margin of 26.8%. Revenue declined 1.1% year over year. It earns a return on equity of 9.3%. Net debt stands at €352B. Fundamentals as of Jul 17, 2026
Our scenario range runs from €22.80 (bear case) to €37.99 (bull case); at €18.61, the current price sits below that range. The share trades near its 52-week high and 30% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at 36% fair-value upside, at 63%, ACA screens cheaper than that median.
Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Jul 17, 2026. TTM = trailing twelve months.
Quality Score breakdown
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
About the company
Crédit Agricole S.A. provides retail and corporate banking, insurance, and investment banking products and services in France, Italy, rest of the European Union, rest of Europe, North America, Central and South America, Africa, the Middle East, the Asia Pacific, and Japan.
Full company description
Crédit Agricole S.A. provides retail and corporate banking, insurance, and investment banking products and services in France, Italy, rest of the European Union, rest of Europe, North America, Central and South America, Africa, the Middle East, the Asia Pacific, and Japan. It operates in five segments: Asset Gathering, Large Customers, Specialized Financial Services, French Retail Banking " LCL, and International Retail Banking. The company offers savings/retirement, death and disability/creditor/group, and property and casualty insurance products; asset management; investment solutions; banking products and services, savings, wealth management, payment, cash flow management, and online banking services; personal finance and mobility; and specialized financial services. It also provides investment banking, structured finance, international trade finance, commercial banking, capital market, and syndication services; leasing, factoring, and energy and territorial financing; and asset servicing solutions for investment products, as well as various asset classes, such as execution, clearing, forex, security lending, custody, depositary banking, fund administration, middle-office outsourcing, fund distribution, and issuer services. In addition, the company offers property services, including transactions, rental, rental management, condominium trustee, and renovation under the Square Habitat brand; property development and management; and low-carbon electricity production. The company serves individuals, SMEs, small businesses, corporates, farmers, financial institutions, local authorities, asset managers, insurance companies, institutional investors, pension and unlisted funds, banks, and brokers. Crédit Agricole S.A. was founded in 1894 and is headquartered in Montrouge, France. Crédit Agricole S.A. operates as a subsidiary of SAS Rue La Boetie.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Crédit Agricole S.A reported revenue of €112B in FY2025 versus €63.2B in FY2021, a compound +15.5%/yr. Reported net income was €7.1B in FY2025, compounding +4.9%/yr from FY2021.
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Recent news
- CREDIT AGRICOLE SA: Crédit Agricole now stands at 29.3% of Banco BPM’s share capital
- Morgan Stanley Among Banks Challenging Growing Dollar Optimism
- WORLDLINE : Worldline’s partnership with Crédit Agricole is evolving - Press release
- CREDIT AGRICOLE SA: Worldline’s partnership with Crédit Agricole is evolving with the acquisition of 100% of CAWL by Crédit Agricole
External third-party headlines (Yahoo Finance, Reuters and others), not an editorial selection, not financial advice.
Snowflake
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate (as of Jul 17, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| PT Bank Central Asia Tbk BBCA | 6,125 IDR | 6,087 IDR | -1% |
| KB Financial Group 105560 | 171,600 KRW | 165,579 KRW | -4% |
| PT Bank Rakyat Indonesia (Persero) Tbk BBRI | 2,880 IDR | 5,760 IDR | +100% |
| PT Bank Mandiri (Persero) Tbk BMRI | 3,710 IDR | 7,420 IDR | +100% |
| Banco Bradesco S.A BBD | 5,120 ARS | 10,240 ARS | +100% |
| Shinhan Financial Group 055550 | 107,500 KRW | 122,401 KRW | +14% |
| Hana Financial Group 086790 | 119,700 KRW | 162,890 KRW | +36% |
| Lloyds Banking Group LYG | 4,138 ARS | 8,275 ARS | +100% |
| Banco de Chile, CHILE | 178.10 CLP | 92.69 CLP | -48% |
| Joint Stock Commercial Bank for Foreign Trade of Vietnam, VCB | 61,300 VND | 80,599 VND | +31% |
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Frequently asked questions
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.
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Not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.