Credit Agricole: Fundamentals and Key Ratios

 Company name  Crédit Agricole SA    ISIN:  FR0000045072
 End of Fiscal Year:  December 30 2015    Founded Year:  1992

Credit Agricole

(at previous day's close)
Market Cap. 32,126.13 m
Shares In Issue 2,538.61 m
Prev. Close 12.57
PE Ratio 10.37  
Dividend Yield 4.77 %
EPS – basic 1.21 c
Dividend PS 0.60 c
Dividend Cover 2.02
Cash Flow PS 5.56 c
Return On Equity (ROE) 6.62 %
Operating Margin -0.01 %
PEG Factor -  
EPS Growth Rate - %
Dividend PS Growth Rate 71.43 %
Net Debt 1,434,705.00 m
Gross Gearing 96.37 %
Quick Assets 660,813.00 m
Net Working Cap 1,165,782.00 m
Intangibles / Fixed Assets - %
Turnover PS 20.19 c
Pre-Tax Profit PS 0.00 c
Retained Profit PS - c
Cash PS 1,536.86 c
Net Cash PS -12,782.46 c
Net Tangible Asset Value PS* 212.32 c
Net Asset Value PS 60,241.36 c
Spread 0.08 (0.63%)

Credit Agricole Balance Sheet (Dec 30 2015)

ACA:liab eqACA:assets

Credit Agricole Share Price

Sample Period  High Low
1 week 12.40 12.78
4 weeks 11.50 12.78
12 weeks 10.24 12.78
1 year 9.68 12.78

Credit Agricole (5 years)

Credit Agricole Historic Returns

Period *  Open Change % Open Avg. Avg. Daily Vol [m] Total Vol. [m] VWAP
1 week 12.60 0.05 0.44 12.58 5,190,767.00 12.58
4 weeks 11.84 0.82 6.88 12.26 6,425,567.00 12.27
12 weeks 10.30 2.36 22.86 11.45 5,935,027.00 11.53
26 weeks 11.21 1.45 12.94 10.94 5,664,121.00 10.98
1 year 10.74 1.92 17.87 10.84 6,192,483.00 10.84
3 years 10.90 1.76 16.15 12.43 6,422,681.00 12.39
5 years 10.76 1.90 17.61 11.40 6,912,071.00 11.25

Credit Agricole Key Management Ratio

Credit Agricole Investment Ratios

(Market value analysis) at previous day's close
PQ Ratio 2.18  
PE Ratio 10.37  
Tobin's Q Ratio 0.02  
Tobin's Q Ratio (excl. intangibles) 0.02  
Dividend Yield 4.77 %
Market-to-Book Ratio 0.02  
Price-to-Pre-Tax Profit PS 95,084.47  
Price-to-Retained Profit PS -  
Price-to-Cash Flow PS 2.26  
Price-to-Sales PS 0.62  
Price-to-Net Tangible Asset Value PS 0.06  
Price-to-Cash PS 0.01  
Net Working Capital PS 459.22  
Price Pct to Working Capital PS 0.03 %
Earnings Yield 0.10 %
Average PE -  
Years in Average PE -  
PE to PE average - %

Credit Agricole Financial Ratios

(Leverage Ratios)
Debt Ratio 97.35 %
Debt-to-Equity Ratio 25.82  
Debt-to-Equity Ratio (excl. Intgbl) 25.82  
Debt-to-Equity Market Value 44.66  
Net Gearing 93.81 %
Net Gearing (excl. Intangibles) 93.81 %
Gross Gearing 96.37 %
Gross Gearing (excl. Intangibles) 96.37 %
Gearing Under 1 Year 23.77 %
Gearing Under 1 Year (excl. Intgbl) 23.77 %
Assets / Equity 27.52  
Cash / Equity 0.70  
(Liquidity Ratios)
Net Working Capital to Total Assets 76.23 %
Current Ratio 4.08  
Quick Ratio (Acid Test) 4.08  
Liquidity Ratio 0.11  
Cash & Equiv / Current Assets 2.63 %
(Solvency Ratios)
Enterprise Value 11,033,191.29 m
Sales 0.28  
CFO / Attributable Profit -  
CFO / Assets 0.00  
CFO / Debt 0.00  
Total Debt / Equity Market Value 45.87  
Total Debt / Sales 28.75  
Total Debt / Pre-Tax Profit 439,129,916.57  
Total Debt 1,473,720.00 m
Total Debt / Net Current Assets 1.26 %
(Dodds – Graham Ratios)
3 yr Compound Earnings Growth - %
5 yr Compound Earnings Growth - %
10 yr Compound Earnings Growth - %
Earn drops > 5% in 10yrs 10.00  
Beta (60-Mnth) Beta (36-Mnth)
- -
Alpha (60-Mnth) Alpha (36-Mnth)
- -

Credit Agricole Operating Ratios

(Profitability Ratios)
Return On Capital Employed (ROCE) 0.00 %
Return On Assets (ROA) - %
Net Profit Margin - %
Assets Turnover 0.00  
Return On Equity (ROE) 6.62 %
Return On Investment (ROI) - %
Dividend Payout Ratio 49.50 %
Plowback Ratio 50.50 %
Growth from Plowback Ratio 334.41 %
Net Income of Revenues - %
(Asset Utilisation Multiples)
Shareholders Equity Turnover 0.00  
Fixed Assets Turnover 0.00  
Current Assets Turnover 0.00  
Net Working Capital Turnover 0.00  
Inventory Turnover -  
(Other Operating Ratios)
Total Assets-to-Sales 29.84  
Debtors-to-Sales 1,316.58 %
Debt Collection Period 4,805.51 Days

Credit Agricole Dividends

Type Curr. Dividend Amount Period Start Period End Total Dividend Amount
Final EUR 0.60 Dec 30 2014 Dec 30 2015 0.60
Final EUR 0.35 Dec 30 2013 Dec 30 2014 0.35
Final EUR 0.35 Dec 30 2012 Dec 30 2013 0.35
Final EUR - Dec 30 2011 Dec 30 2012 -
Final EUR - Dec 30 2010 Dec 30 2011 -
Final EUR 0.45 Dec 30 2009 Dec 30 2010 0.45
Final EUR 0.45 Dec 30 2008 Dec 30 2009 0.45
Final EUR 0.45 Dec 30 2007 Dec 30 2008 0.45

Credit Agricole Fundamentals

  Dec 30 2012 (EUR) Dec 30 2013 (EUR) Dec 30 2014 (EUR) Dec 30 2015 (EUR)
Turnover 50,247.00 100.00% 49,161.00 100.00% 54,525.00 100.00% 51,258.00 100.00% m
Pre Tax Profit -2,665.00 -5.30% 1,893.00 3.85% 2,583.00 4.74% 3,356.00 6.55% m
Attributable Profit - -% - -% - -% - -% m
Retained Profit - -% - -% - -% - -% m
Eps – Basic -2.61 1.01 0.83 1.21
Eps – Diluted -2.61 1.01 0.83 1.21
Dividends per Share - 0.35 0.35 0.60

Credit Agricole Balance Sheet

  Dec 30 2012 (EUR) Dec 30 2013 (EUR) Dec 30 2014 (EUR) Dec 30 2015 (EUR)
ACA:liab eqACA:assets ACA:liab eqACA:assets ACA:liab eqACA:assets ACA:liab eqACA:assets
  Dec 30 2012 (EUR) Dec 30 2013 (EUR) Dec 30 2014 (EUR) Dec 30 2015 (EUR)
ASSETS
fixed assets  Fixed assets - -% - -% - -% - -% m
intangibles  Intangibles - -% - -% - -% - -% m
fixed investments  Fixed Investments 3,041.00 0.17% 3,570.00 0.23% 4,141.00 0.26% 5,390.00 0.35% m
current assets - other  Current Assets – Other 1,127,073.00 61.18% 822,596.00 53.52% 877,795.00 55.24% 810,038.00 52.97% m
stocks  Stocks - -% - -% - -% - -% m
debtors  Debtors 667,807.00 36.25% 640,017.00 41.64% 649,715.00 40.89% 674,851.00 44.13% m
cash & securities  Cash & securities 44,440.00 2.41% 70,690.00 4.60% 57,425.00 3.61% 39,015.00 2.55% m
Investment in Affiliated Companies 18,561.00 1.01% 19,096.00 1.24% 21,243.00 1.34% 24,589.00 1.61% m
Other assets 100,803.00 5.47% 86,282.00 5.61% 66,810.00 4.20% 53,053.00 3.47% m
Net Loans 667,807.00 36.25% 640,017.00 41.64% 649,715.00 40.89% 674,851.00 44.13% m
TOTAL 1,842,361.00 100.00% 1,536,873.00 100.00% 1,589,076.00 100.00% 1,529,294.00 100.00% m
LIABILITIES
creditors - short  Creditors – Short 345,691.00 764.26% 330,090.00 689.28% 385,166.00 737.09% 363,512.00 654.10% m
creditors - long  Creditors – Long 1,451,438.00 3,208.87% 1,158,894.00 2,419.96% 1,151,655.00 2,203.91% 1,110,208.00 1,997.71% m
TOTAL 1,797,129.00 3,973.14% 1,488,984.00 3,109.24% 1,536,821.00 2,941.00% 1,473,720.00 2,651.82% m
EQUITY
Minority Interest -39,727.00 -87.83% -42,294.00 -88.32% -46,202.00 -88.42% -49,952.00 -89.88% m
Capital Reserves 39,727.00 87.83% 42,294.00 88.32% 46,202.00 88.42% 49,952.00 89.88% m
TOTAL 45,232.00 100.00% 47,889.00 100.00% 52,255.00 100.00% 55,574.00 100.00% m

Credit Agricole Cash Flow Statement

Dec 30 2012 (EUR) Dec 30 2013 (EUR) Dec 30 2014 (EUR) Dec 30 2015 (EUR)
Operating CF 27,184.00 13,667.00 33,799.00 14,116.00
Investing CF -8,022.00 -4,055.00 -52,653.00 -21,912.00
Financial CF -253.00 -2,368.00 1,323.00 -14,196.00
Net change CF 18,909.00 7,244.00 -17,531.00 -21,992.00

Credit Agricole Employee Data

Dec 30 2012 (EUR) Dec 30 2013 (EUR) Dec 30 2014 (EUR) Dec 30 2015 (EUR)
Number of employees 75,529.00 75,529.00 72,567.00 71,495.00
Sales per employee 0.67 0.65 0.75 0.72 m

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