Credit Agricole/€ACA

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About Credit Agricole

Credit Agricole is a major French banking group operating primarily in retail banking, corporate and investment banking, savings management, and insurance. Known for its cooperative banking model, it serves individual customers, SMEs, large companies, and local governments. The bank's origins date back to the late 19th century, and it is headquartered in Montrouge, France. Credit Agricole has a strong presence in Europe and a growing international footprint. Its strategic focus includes sustainable financing and digital transformation. The institution emphasizes customer proximity and adaptability in its wide range of financial products and services.

Ticker

€ACA
Sector

Primary listing

PAR

Employees

80,518

Credit Agricole Metrics

BasicAdvanced
€50B
6.94
€2.34
1.20
€1.10
6.77%

What the Analysts think about Credit Agricole

Analyst ratings (Buy, Hold, Sell) for Credit Agricole stock.

Bulls say / Bears say

In Q2 2025, Credit Agricole’s net income surged 31% year-on-year to €2.39 billion, topping analyst consensus and reflecting strong profitability momentum (Reuters).
The bank’s insurance division delivered nearly 13% revenue growth and its investment banking arm contributed almost 7% higher revenues in Q2, underscoring the resilience of its non-interest income streams (Reuters).
Credit Agricole achieved its 2025 strategic targets a year ahead of schedule, demonstrating strong operational execution and positioning it well for its upcoming medium-term plan (Reuters).
Net interest income at the bank’s French and Italian retail units fell by 3.4% and 4.4% respectively in Q2, highlighting ongoing margin pressure in its core lending business (Reuters).
In Q1 2025, net income dropped 4.2% to €1.82 billion—below consensus—due to a €123 million one-off tax levy and rising operating expenses that outpaced revenue growth (Reuters).
Proposed expansion in Italy via a potential Banco BPM tie-up faces scrutiny under Rome’s ‘golden powers’, introducing regulatory and execution risks to Credit Agricole’s strategic ambitions (Reuters).
Data summarised monthly by Lightyear AI. Last updated on 6 Oct 2025.

Credit Agricole Financial Performance

Revenues and expenses
QuarterlyAnnual
Q3 24
QoQ growth
Revenue
$37B
-39.75%
Net income
$45B
107.52%
Profit margin
37.65%
6.78%

Credit Agricole Earnings Performance

Company profitability
QuarterlyAnnual
Q4 23
Q1 24
Q2 24
Q3 24
Q4 24
Actual
$3.69
$2.85
$2.45
$2.42
-
Expected
$3.55
$2.61
$2.05
$2.31
$3.94
Surprise
3.94%
9.20%
19.51%
4.63%
-
Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
Market data provided by CBOE Europe and Deutsche Börse.

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