{"head":{"slug":"credit-agricole-s-a","name":"Credit Agricole SA","symbol":"ACA.PA","sector":"Financial Services","overallScore":null,"overallClassification":null,"scoreLocked":true,"displayName":"Credit Agricole SA"},"scores":[],"radar":null,"peers":[{"classification":null,"displayName":"KBC Groep NV","locked":true,"name":"KBC Groep NV","overallScore":null,"slug":"kbc-group-n-v","symbol":"KBC.BR"},{"classification":null,"displayName":"National Bank of Canada","locked":true,"name":"National Bank of Canada","overallScore":null,"slug":"national-bank-of-canada-na-to","symbol":"NA.TO"},{"classification":null,"displayName":"Svenska Handelsbanken AB (publ)","locked":true,"name":"Svenska Handelsbanken AB (publ)","overallScore":null,"slug":"svenska-handelsbanken-ab-publ-shb-b-st","symbol":"SHB-B.ST"},{"classification":null,"displayName":"Standard Chartered PLC","locked":true,"name":"Standard Chartered PLC","overallScore":null,"slug":"standard-chartered-plc","symbol":"STAN.L"},{"classification":null,"displayName":"ABN Amro Group NV","locked":true,"name":"ABN Amro Group NV","overallScore":null,"slug":"abn-amro-bank-n-v","symbol":"ABN.AS"}],"metrics":{"current_ratio":2.356588499329218,"dividend_growth":4.761904761904767,"dividend_payout_ratio":72.7494020356234,"dividend_streak_years":4,"dividend_yield":10.732323232323232,"dte":7.4689576800253175,"earnings_growth_3y":9.595585269681294,"equity_ratio":2.9279280227872806,"ev_ebit":0.315646711472847,"fcf_margin":15.933048433048432,"fcf_yield":37.21301398652518,"kbv":0.6897686791910009,"kgv":6.77853251908397,"one_yr":-8.360006991457158,"peg":0.33629333172361847,"revenue_growth":7.0050587327445735,"roc_greenblatt":3.2633037329877634,"roe":10.17578181190483},"quote":{"currency":"EUR","exchange":"PA","marketCap":48090702909.686745,"marketCapEur":48090702909.686745,"price":15.84,"priceAsOf":"2026-11-06"},"sectorMedians":{"current_ratio":1.272151787170126,"dividend_growth":10.71428571428572,"dividend_payout_ratio":49.03984416139674,"dividend_streak_years":5,"dividend_yield":3.2608695652173907,"dte":0.9018182933186153,"earnings_growth_3y":15.196209808727557,"equity_ratio":9.205177595025493,"ev_ebit":14.237877264386519,"fcf_margin":19.823350998796286,"fcf_yield":7.161390400385039,"kbv":1.846706289233023,"kgv":15.201933660723064,"one_yr":7.801428742921045,"peg":0.8072731496791028,"revenue_growth":7.393930009290806,"roc_greenblatt":59.039841484399126,"roe":12.46450285334834},"sectorPercentiles":{"current_ratio":64,"dividend_growth":25,"dividend_payout_ratio":79,"dividend_streak_years":null,"dividend_yield":98,"dte":97,"earnings_growth_3y":32,"equity_ratio":5,"ev_ebit":0,"fcf_margin":42,"fcf_yield":94,"kbv":3,"kgv":3,"one_yr":23,"peg":19,"revenue_growth":49,"roc_greenblatt":9,"roe":34},"sectorProfile":{"radar":{"categories":["profitability","growth","valuation","momentum","quality","risk"],"median":[50,50,50,50,50,50],"values":[28.6,46.3,94.1,13.8,48.6,39.7]},"sectorRank":45.2,"strongest":"valuation","weakest":"momentum"},"flagshipRules":null,"strategyLockedNames":[{"strategyName":"Trending Value: Value + Momentum","strategySlug":"value-momentum"},{"strategyName":"Piotroski F-Score (9-Punkte-Bilanzcheck)","strategySlug":"finanzielle-gesundheit"},{"strategyName":"Acquirer's Multiple: EV/EBIT Deep Value","strategySlug":"ev-ebit-deep-value"},{"strategyName":"Unterbewertete Aktien: Mehrfaktor-Check","strategySlug":"unterbewertung-mehrfaktor"},{"strategyName":"Dividenden-Qualität: 4 Faktoren","strategySlug":"dividenden-qualitaet"},{"strategyName":"PEG-Strategie nach Peter Lynch","strategySlug":"peg-strategie"},{"strategyName":"GARP Ausgewogen","strategySlug":"garp-ausgewogen"},{"strategyName":"Defensiv: Low Volatility","strategySlug":"defensiv-low-volatility"},{"strategyName":"Burggraben-Qualität","strategySlug":"burggraben-qualitaet"},{"strategyName":"Mohanram G-Score: Wachstums-Qualität","strategySlug":"wachstums-qualitaet-g-score"},{"strategyName":"StockScorer-Score","strategySlug":"stockscorer-score"},{"strategyName":"Magic Formula: Value + Qualität","strategySlug":"qualitaet-value"},{"strategyName":"Wachstums-Momentum (CAN-SLIM-Prinzip)","strategySlug":"wachstums-momentum"},{"strategyName":"Altman Z-Score: Bilanz-Stresstest","strategySlug":"bilanz-stresstest-z-score"},{"strategyName":"Levermann-Strategie (13 Kriterien)","strategySlug":"13-kriterien-punktesystem"},{"strategyName":"Dividenden-Aristokraten & Kontinuität","strategySlug":"dividenden-kontinuitaet"},{"strategyName":"Ertragsqualität: Accrual-Check (Sloan)","strategySlug":"ertragsqualitaet-accrual-check"},{"strategyName":"High-Growth / Rule of 40","strategySlug":"high-growth-rule-of-40"}],"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.","industry":"Banks - Diversified","ipoDate":null},"sectorBreakdown":{"growth":{"metrics":[{"counts":true,"field":"revenue_growth","lowerIsBetter":false,"rank":49.3,"sectorMedian":7.393930009290806,"value":7.0050587327445735},{"counts":true,"field":"earnings_growth_3y","lowerIsBetter":false,"rank":32.1,"sectorMedian":15.196209808727557,"value":9.595585269681294},{"counts":true,"field":"earnings_growth_5y","lowerIsBetter":false,"rank":61.1,"sectorMedian":15.166815596363215,"value":20.156606984568114},{"counts":true,"field":"sus_growth","lowerIsBetter":false,"rank":42.6,"sectorMedian":1.2493267954275888,"value":0.9944800569800569}],"value":46.3},"momentum":{"metrics":[{"counts":true,"field":"one_yr","lowerIsBetter":false,"rank":23.4,"sectorMedian":7.801428742921045,"value":-8.360006991457158},{"counts":true,"field":"six_m","lowerIsBetter":false,"rank":12.9,"sectorMedian":8.711998670949628,"value":-6.504215869171681},{"counts":true,"field":"three_m","lowerIsBetter":false,"rank":2.7,"sectorMedian":0.44969921096033527,"value":-14.072911979088298},{"counts":true,"field":"pct_from_52w_high","lowerIsBetter":false,"rank":16.1,"sectorMedian":-10.680115040511756,"value":-21.584158415841582}],"value":13.8},"profitability":{"metrics":[{"counts":true,"field":"roe","lowerIsBetter":false,"rank":34,"sectorMedian":12.46450285334834,"value":10.17578181190483},{"counts":true,"field":"roc_greenblatt","lowerIsBetter":false,"rank":9.1,"sectorMedian":59.039841484399126,"value":3.2633037329877634},{"counts":true,"field":"ebit_margin","lowerIsBetter":false,"rank":13.5,"sectorMedian":23.064378636818503,"value":9.730235042735043},{"counts":true,"field":"fcf_margin","lowerIsBetter":false,"rank":41.5,"sectorMedian":19.823350998796286,"value":15.933048433048432},{"counts":true,"field":"gross_margin","lowerIsBetter":false,"rank":44.9,"sectorMedian":65.52527370137433,"value":62.61930199430199}],"value":28.6},"quality":{"metrics":[{"counts":true,"field":"sloan_ratio","lowerIsBetter":true,"rank":76.5,"sectorMedian":1.2317281294056541,"value":-0.32181284343657857},{"counts":true,"field":"share_change","lowerIsBetter":true,"rank":21,"sectorMedian":-0.5965184818351134,"value":0.4029387836911165},{"counts":true,"field":"dividend_streak_years","lowerIsBetter":false,"rank":48,"sectorMedian":5,"value":4},{"counts":true,"field":"reaction_rel","lowerIsBetter":false,"rank":48.7,"sectorMedian":0.000724889491066083,"value":-0.09411082499097834}],"value":48.6},"risk":{"metrics":[{"counts":true,"field":"equity_ratio","lowerIsBetter":false,"rank":5.2,"sectorMedian":9.205177595025493,"value":2.9279280227872806},{"counts":true,"field":"debt_to_ebitda","lowerIsBetter":true,"rank":77.5,"sectorMedian":0.11532835820895522,"value":-3.6376303780964796},{"counts":true,"field":"dte","lowerIsBetter":true,"rank":2.7,"sectorMedian":0.9018182933186153,"value":7.4689576800253175},{"counts":true,"field":"volatility_1y","lowerIsBetter":true,"rank":73.4,"sectorMedian":25.95271353986795,"value":22.165021479074568}],"value":39.7},"valuation":{"metrics":[{"counts":true,"field":"earnings_yield","lowerIsBetter":false,"rank":96.6,"sectorMedian":6.473272176928261,"value":14.75245559691048},{"counts":true,"field":"fcf_yield","lowerIsBetter":false,"rank":94.1,"sectorMedian":7.161390400385039,"value":37.21301398652518},{"counts":true,"field":"ev_to_sales","lowerIsBetter":true,"rank":86,"sectorMedian":2.8240222095843137,"value":0.03071316693097173},{"counts":true,"field":"ev_ebit","lowerIsBetter":true,"rank":99.8,"sectorMedian":14.237877264386519,"value":0.315646711472847}],"value":94.1}},"expectation":{"inputs":{"basis":"book","capex":null,"capexDepressed":false,"fcf":17896000000,"fcfBasis":"fy","fcfNormalized":null,"fcfWindowEnd":null,"fcfYear":2025,"kbv":0.6897686791910009,"marketCap":48090702909.686745,"marks":{"fiveYear":9.48,"tenYear":8.1}},"standard":{"basis":"book","case":"belowBook","discountRate":9,"noGrowthValue":null,"value":6.207918112719009,"years":null},"standardNormalized":null},"quarterChanges":{"case":"noPrevious","changes":[],"current":{"quarter":2,"year":2026},"previous":null,"unchanged":[]},"evidence":{"anomalies":[],"contra":[],"moat":[{"holds":false,"key":"steadyReturnOnEquity","min":4.13,"years":10}],"phase":null,"pro":[]},"valuationBand":{"anchor":{"quarter":2,"year":2026},"high":0.62,"low":0.48,"median":0.59,"metric":"priceToBook","multiple":0.69,"position":"above","priceAsOf":"2026-11-06","quarters":20}}