ACA.PA · PAR
CAC 40
Crédit Agricole S.A.
Financial services · Diversified banks
€15.88
−€0.005 (−0.03%) today
Today's session · updated · Source: Yahoo Finance
Consensus of 15 analysts
Hold
Median price target €21.00 +32.2%
- Open
- €16.00
- Day range
- 15.87 – €16.10
- 52-week range
- 14.69 – €20.40
- Volume
- 762,187
- Market cap
- €48,027M
- P/E (TTM)
- 8.1x
- EPS (TTM)
- €1.96
- EPS est. 2026
- €2.29
- P/E est. 2026
- 6.9x
- Dividend yield
- n/a
- Beta
- 0.81
- Payout
- 57%
Analyst summary
Generated with AI · Nov 11, 2026, 15:03Crédit Agricole combines retail and corporate banking with insurance, asset management and investment banking across France and international markets. Q2 2026 revenue increased +11.3% year on year, but net income fell −14.1% and EPS declined −20.3%. The shares trade at 8.1x trailing earnings, below the listed European banking peers, while analysts’ consensus remains Hold. Forecast EPS points to a decline in 2026 followed by a partial recovery in 2027.
- 1Q2 2026 revenue rose +11.3% year on year to €6,687M, while net income fell −14.1% to €2,051M.
- 2Crédit Agricole trades at 8.1x trailing P/E; estimated 2027 P/E is 6.4x.
- 3Analysts rate the shares Hold, with a €21.00 median target and +32.2% implied upside.
Crédit Agricole financials
Q2 2026 results, quarter ended Jun 30, 2026
| Metric | Q2 2026 | 1-year change |
|---|---|---|
| Total revenue | €6,687M | +11.3% |
| Net income | €2,051M | −14.1% |
| Earnings per share | €0.59 | −20.3% |
| Net margin | 30.7% | −9.1 pp |
| Free cash flow | n/a | n/a |
| Debt / equity | 4.10 | −1.2% |
Revenue and net income (€M)
Total revenueNet income
| Quarter | Total revenue | Net income |
|---|---|---|
| Q1 2025 | €6,936M | €1,646M |
| Q2 2025 | €6,007M | €2,389M |
| Q4 2025 | €4,691M | €1,024M |
| Q1 2026 | €6,991M | €1,676M |
| Q2 2026 | €6,687M | €2,051M |
Crédit Agricole earnings per share (EPS)
Consensus estimates
| Period | EPS est. | 1-year change |
|---|---|---|
| Current quarterQ4 2026 · Analysts: 4 | €0.5790.54 – 0.62 | +81.2%€0.320 |
| Next quarterQ1 2027 · Analysts: 2 | €0.6220.60 – 0.64 | +19.5%€0.520 |
| Current year2026 · Analysts: 14 | €2.2942.16 – 2.52 | +5.0%€2.185 |
| Next year2027 · Analysts: 14 | €2.4862.37 – 2.62 | +8.4%€2.294 |
Forward P/E: 6.9x (2026) and 6.4x (2027) at the current price.
Actual and estimated EPS (€)
Actual EPSEstimated EPS
| Quarter | Actual EPS | Estimated EPS |
|---|---|---|
| Q1 2025 | €0.544 | — |
| Q2 2025 | €0.740 | — |
| Q4 2025 | €0.320 | €0.364 |
| Q1 2026 | €0.520 | €0.523 |
| Q2 2026 | €0.590 | €0.602 |
| Q3 2026 | €0.588 | €0.554 |
| Q4 2026 | — | €0.579 |
| Q1 2027 | — | €0.622 |
| Year | Actual EPS | Estimated EPS |
|---|---|---|
| 2022 | €1.637 | — |
| 2023 | €1.943 | — |
| 2024 | €2.109 | — |
| 2025 | €2.892 | — |
| 2026 | — | €2.294 |
| 2027 | — | €2.486 |
EPS trend
| Quarter | EPS | YoY change |
|---|---|---|
| Q1 2027Estimated | €0.622 | +19.5% |
| Q4 2026Estimated | €0.579 | +81.2% |
| Q3 2026 | €0.588est. €0.554 · surprise +6.2% | n/a |
| Q2 2026 | €0.590est. €0.602 · surprise −2.0% | −20.3% |
| Q1 2026 | €0.520est. €0.523 · surprise −0.6% | −4.4% |
| Q4 2025 | €0.320est. €0.364 · surprise −12.3% | n/a |
| Q2 2025 | €0.740 | n/a |
| Q1 2025 | €0.544 | n/a |
| Year | EPS | Annual change |
|---|---|---|
| 2027Estimated | €2.486 | +8.4% |
| 2026Estimated | €2.294 | −20.7% |
| 2025 | €2.892 | +37.1% |
| 2024 | €2.109 | +8.5% |
| 2023 | €1.943 | +18.7% |
| 2022 | €1.637 | n/a |
Normalised EPS according to the analyst consensus collected by Yahoo Finance; it may differ from the reported EPS in the results table.
Crédit Agricole dividend
Yield and payments
| Dividend yield (TTM) | n/a |
| Forward yield (next 12m) | 10.7% |
| Dividend per share (TTM) | €0.00 |
| Forward dividend (next 12m) | €1.70 |
| Payout (TTM) | 57% |
| Last dividend | €0.57Oct 13, 2026 |
| Next ex-dividend date | n/a |
Dividend per share by year (€)
PaidEstimated
| Year | Dividend per share |
|---|---|
| 2019 | €0.69 |
| 2020 | €0.00 |
| 2021 | €0.80 |
| 2022 | €1.05 |
| 2023 | €1.05 |
| 2024 | €1.05 |
| 2025 | €1.10 |
| est. 12m | €1.70 |
Crédit Agricole forecasts
15 analyst ratings
Consensus: Hold · 8 buy, 5 hold, 2 sell
1-year price forecast
Share price
Price target (high, median, low)
| Target | Price | Upside |
|---|---|---|
| High | €26.00 | +63.7% |
| Median | €21.00 | +32.2% |
| Low | €16.00 | +0.8% |
| Date | Close |
|---|---|
| Nov 28, 2025 | €16.52 |
| Dec 31, 2025 | €17.55 |
| Jan 30, 2026 | €18.27 |
| Feb 27, 2026 | €18.79 |
| Mar 31, 2026 | €15.93 |
| Apr 30, 2026 | €16.60 |
| May 29, 2026 | €16.60 |
| Jun 30, 2026 | €17.60 |
| Jul 31, 2026 | €19.28 |
| Aug 31, 2026 | €18.52 |
| Sep 30, 2026 | €17.57 |
| Oct 30, 2026 | €14.99 |
| Nov 11, 2026 | €15.88 |
Crédit Agricole peers
| Ticker | Company | Market cap (€M) | P/E | Price (€) | 1-day change | 52-week range |
|---|---|---|---|---|---|---|
| ACA.PA | Crédit Agricole | 48,027 | 8.1x | 15.88 | −0.03% | 14.6920.40 |
| SAN.MC | Banco Santander | 161,600 | 12.3x | 11.21 | −0.43% | 8.7213.12 |
| BBVA.MC | BBVA | 128,044 | 12.0x | 23.49 | −0.59% | 17.3825.57 |
| INGA.AS | ING Group | 84,817 | 12.8x | 29.91 | +0.37% | 20.9932.40 |
| SAB.MC | Banco Sabadell | 17,555 | 15.6x | 3.75 | −0.58% | 2.793.80 |
| JPM | JPMorgan Chase | 908,404 | 14.3x | 342.07 $ | 0.00% | 279.10366.50 |
Stocks quoted in another currency are shown in their trading currency.
Risks, catalysts and conclusion
Generated with AI · Nov 11, 2026, 15:03Risks
- Further earnings pressure could deepen the forecast 2026 EPS decline of −20.7%, weakening the case for a valuation rerating.
- Continued margin compression could weigh on profitability after Q2 2026 net margin fell by 9.1 pp year on year.
- The estimated €1.70 dividend may prove difficult to sustain if earnings do not recover as forecast.
Catalysts
- Delivery of the forecast 2027 EPS recovery to €2.486 could support improved investor confidence.
- Sustained revenue growth across the bank’s retail, corporate, insurance and investment-banking activities could offset weaker profit trends.
- Confirmation of the estimated €1.70 dividend and 10.7% yield could strengthen the income case for the shares.
Conclusion
Crédit Agricole offers broad banking and financial-services exposure at a lower trailing P/E than the listed European peers, while analyst targets indicate substantial potential upside. That valuation appeal is balanced by weaker Q2 earnings, a lower margin and consensus for an EPS decline in 2026. The expected 2027 recovery and higher estimated dividend are supportive, but both depend on forecasts being delivered; the overall analyst stance remains Hold.
Analysis written automatically by AI from Yahoo Finance market data on Nov 11, 2026, 15:03.
This content is for information only and is not financial advice or a recommendation to buy or sell securities. Ratings and price targets come from third-party analysts. Investing in the stock market involves the risk of losing capital.
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