Credit Agricole SA PK (CRARY) fair value: what the stock is really worth
As of Oct 2, 2026: fair value of Credit Agricole SA PK $13.88, price $9.48, upside +46.4%, quality 60 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 29, 2026.
How to read this chart
60‑month range $2.97 – $11.60 · fair‑value band $12.19 – $20.31 · the $9.48 price screens below the $13.88 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). 1 fiscal year is left out: there the valuation rested on only a fraction of the usual models. Dashed = 300-day average. As of Sep 29, 2026.
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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.
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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.
Stock analysis
Credit Agricole SA PK (CRARY) currently trades at $9.48, while our model-based Fair Value estimate is $13.88, implying the stock looks roughly 31.7% undervalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of $17.09 per share, and 5 of the 6 models we run sit above the $9.48 price.
Bear case: the Dividend Discount group reads lowest at $9.21, and 1 of the 6 models stay below the price. Evidence for this calculation is medium.
Scenario range: $12.19 (bear) to $20.31 (bull), the price of $9.48 sits below it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 60/100 (solid quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Credit Agricole SA PK reported revenue of €66.1B in FY2025 versus €33.1B in FY2021, a compound +18.9%/yr. Reported net income was €7.1B in FY2025, compounding +4.9%/yr from FY2021.
Key figures
Market cap $57.4B · P/E ratio 7.6 · P/S ratio 0.82 · EPS (TTM) $1.24 · Dividend yield 11.9% · Net margin 10.7% · Return on equity 9.3% · Return on assets (EBIT) 0.4%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 41 out of 100 (medium confidence).
What moves the price
The share trades about 18% below its 52-week high and 14% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −36% fair-value upside, at 46%, CRARY screens cheaper than that median.
Fair Value models
Bear $12.19Fair Value $13.88Bull $20.31
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then ($0.0829 per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.95/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+31.1%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+17.8%
Revenue growth 21 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+4.8%
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What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
+18.6%
Earnings growth per share plus dividend.
Earnings per share, growth per year+6.7%
Dividend (yield on the price)11.9%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.6.7% vs 6.5%, steady
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.15% → 15%
News mood ⓘNews mood, the average tone of recent news (97 articles), rated against how stocks are usually covered. 🚀 Hype = unusually upbeat · 🙂 Positive = above average · 😐 Neutral = typical · 🙁 Negative = below average · 😨 Very negative = unusually downbeat. It reflects the tone of coverage, not our valuation.Neutral
Recent news coverage is roughly neutral, about typical for how stocks are covered.
Price, fair value, quality and upside side by side.
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 1053 stocks
Beats the industry median on 7/14 measures
A mixed picture versus its industry peers.
Valuation
Quality Score71 · Top 25%
Fair Value upside+32.2% · Top 25%
Profitability
Return on equity (TTM)9.3% · Below median
Return on assets0.3% · Bottom 25%
Net margin (TTM)26.8% · Below median
Operating margin (TTM)38.4% · Below median
Growth and dividend
Revenue growth−1.1% · Bottom 25%
Dividend yield (TTM)11.9% · Top 25%
Balance sheet
Debt / equity2.36× · Highest 25%
Valuation Multiplesvs Banks - Regional median · lower = cheaper
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Cite: Fair Value Calculator (2026). "Credit Agricole SA PK Fair Value". https://www.fairvalue-calculator.com/stock/CRARY
Frequently asked questions
Is Credit Agricole SA PK (CRARY) overvalued or undervalued?
As of Sep 29, 2026, our model estimates a fair value of $13.88 versus a price of $9.48, about +46% upside (undervalued).
What is the fair value of CRARY?
Our model-based fair value for Credit Agricole SA PK is $13.88 (as of Sep 29, 2026), built from audited fundamentals. The current price: $9.48.
What is the quality score of CRARY?
Credit Agricole SA PK has a Quality Score of 60/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Credit Agricole SA PK (CRARY)?
Our model-based price target is the fair value of $13.88 (as of Sep 29, 2026) from 6 valuation models. Cautious scenario $12.19, optimistic scenario $20.31. It is a calculation from audited fundamentals, not an analyst target.
What is the Credit Agricole SA PK stock forecast for 2026?
Our models put fair value at $13.88, about +46% upside versus a price of $9.48 (undervalued). Cautious scenario $12.19, optimistic scenario $20.31. The calculation is refreshed regularly with new filings.
What is the revenue of Credit Agricole SA PK (CRARY)?
Credit Agricole SA PK reported trailing-twelve-month revenue of about €26.5B (latest available figure, as of Sep 29, 2026).
Does Credit Agricole SA PK pay a dividend?
Credit Agricole SA PK currently shows a dividend yield of about 11.92% relative to its recent price (as of Sep 29, 2026).
What is the intrinsic value of Credit Agricole SA PK (CRARY)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Credit Agricole SA PK it is $13.88 per share (as of Sep 29, 2026), against a price of $9.48. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is Credit Agricole SA PK stock overvalued or undervalued in 2026?
As of Sep 29, 2026, CRARY trades below its calculated fair value: price $9.48, fair value $13.88, a gap of about +46% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of CRARY?
No. The price is what the market pays today ($9.48); the fair value is what the company's own numbers justify ($13.88). For Credit Agricole SA PK the two are $4.40 per share apart. That gap is exactly why we show both numbers side by side.
How much is Credit Agricole SA PK worth?
The market values Credit Agricole SA PK at about $57.4B (market capitalisation, as of Sep 29, 2026). Per share that is $9.48; our models calculate a fair value of $13.88 per share.
What do the bullish and bearish scenarios say about CRARY?
Our models span a range for Credit Agricole SA PK: cautious scenario $12.19, base $13.88, optimistic $20.31 per share (as of Sep 29, 2026, price $9.48). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of CRARY?
Credit Agricole SA PK trades at a price-to-earnings ratio of 7.6 (as of Sep 29, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $13.88 is built from several models across several years. Other multiples: PEG 1.9, P/B 0.7, P/S 2.2.
What is the PEG ratio of CRARY?
The PEG ratio of Credit Agricole SA PK is 1.88 (P/E divided by earnings growth, as of Sep 29, 2026). That is above 1, so the growth is already paid for in the price.
How solid is the balance sheet of Credit Agricole SA PK (CRARY)?
Balance-sheet figures for Credit Agricole SA PK (as of Sep 29, 2026): return on equity 9.3%, debt of 2.36 per unit of equity. They feed the Quality Score of 60/100, which measures business quality independently of the share price.
How far is CRARY from its 52-week high?
Credit Agricole SA PK trades at $9.48, about 18% below its 52-week high of $11.60 and 14% above the low of $8.32 (as of Oct 2, 2026). Distance from the high says nothing about value: that is what the fair value of $13.88 is for.
Which stocks are comparable to Credit Agricole SA PK?
From the same area (Financial Services) we also value DBS Group, China Merchants Bank Co, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Credit Agricole SA PK stock attractive at the current price?
The data as of Sep 29, 2026: price $9.48, calculated fair value $13.88 (+46%), Quality Score 60/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of CRARY calculated?
We run Credit Agricole SA PK through 6 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $13.88, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.5 % above its aggregate fair value. Credit Agricole SA PK currently trades 32 % below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Credit Agricole SA PK (CRARY)?
The closing price on Oct 2, 2026 was $9.48. Our model-based fair value is $13.88, about +46% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Credit Agricole SA PK right now?
The price is below even our cautious bear case ($12.19). The market is more pessimistic than our downside scenario. Solid quality (60/100) 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.
Where does the earnings growth of Credit Agricole SA PK (CRARY) come from?
Earnings per share at Credit Agricole SA PK grew +7.8 % a year from 2014 to 2025. Broken into its drivers: revenue per share +8.2 %, EBIT margin +2.9 %, tax rate −1.0 %, residual (interest, one-offs) −2.1 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.
Key figures of Credit Agricole SA PK
How large is the market capitalisation of Credit Agricole SA PK (CRARY)?
The market capitalisation of Credit Agricole SA PK is $57.4B. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Credit Agricole SA PK (CRARY)?
The price-to-sales ratio of Credit Agricole SA PK is 0.82 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Credit Agricole SA PK (CRARY)?
Earnings per share at Credit Agricole SA PK are $1.24 (price ÷ EPS = P/E 7.6). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Credit Agricole SA PK (CRARY)?
The dividend yield of Credit Agricole SA PK is 11.9% (payout 91.1%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Credit Agricole SA PK (CRARY)?
The net margin of Credit Agricole SA PK is 10.7% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Credit Agricole SA PK (CRARY)?
The return on equity (ROE) of Credit Agricole SA PK is 9.3% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Credit Agricole SA PK (CRARY)?
On an EBIT basis the return on assets of Credit Agricole SA PK is 0.4% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Credit Agricole SA PK (CRARY)?
The operating margin of Credit Agricole SA PK is 38.4% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Credit Agricole SA PK (CRARY)?
Revenue at Credit Agricole SA PK is growing −1.1% versus a year earlier (3y avg +20.7%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Credit Agricole SA PK (CRARY)?
Earnings per share at Credit Agricole SA PK are growing −8.4% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Credit Agricole SA PK (CRARY) generate?
The free cash flow of Credit Agricole SA PK is €45.5B (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net cash does Credit Agricole SA PK (CRARY) hold?
Credit Agricole SA PK holds more cash than debt, €267B net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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Sep 29, 2026