Credit Agricole S.A (ACA) | Financial Analysis & Statements
Credit Agricole S.A. Large-cap Financial Services
TL;DR: Financial Overview - Revenue, Profits & Key Metrics
Latest Quarterly: Dec 2025Income Metrics
Revenue
4.7B
Net Income
1.2B
26.09%
EPS (Diluted)
€0.54
Balance Sheet Metrics
Total Assets
2.4T
Total Liabilities
2.3T
Shareholders Equity
85.9B
Debt to Equity
26.65
Cash Flow Metrics
Revenue & Profitability Trend
Quarter Income Flow
Dec 31, 2025
Annual Income Flow
2025
Credit Agricole S.A Income Statement From 2021 to 2025
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Revenue | 26.3B | 25.3B | 23.5B | 20.6B | 21.4B |
| Cost of Goods Sold | - | - | - | - | - |
| Gross Profit | - | - | - | - | - |
| Gross Margin % | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Operating Expenses | |||||
| Research & Development | - | - | - | - | - |
| Selling, General & Administrative | - | - | - | - | - |
| Other Operating Expenses | 5.0B | 4.9B | 5.1B | 5.1B | 4.6B |
| Total Operating Expenses | 5.0B | 4.9B | 5.1B | 5.1B | 4.6B |
| Operating Income | - | - | - | - | - |
| Operating Margin % | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Non-Operating Items | |||||
| Interest Income | - | - | - | - | - |
| Interest Expense | - | - | - | - | - |
| Other Non-Operating Income | - | - | - | - | - |
| Pre-tax Income | 10.4B | 10.6B | 9.5B | 7.9B | 8.1B |
| Income Tax | 2.3B | 2.5B | 2.2B | 1.8B | 1.2B |
| Effective Tax Rate % | 22.6% | 23.3% | 23.0% | 22.9% | 15.3% |
| Net Income | 8.1B | 8.2B | 7.3B | 6.2B | 6.8B |
| Net Margin % | 30.7% | 32.2% | 31.3% | 30.0% | 32.0% |
| Key Metrics | |||||
| EBITDA | - | - | - | - | - |
| EPS (Basic) | €2.18 | €2.11 | €1.94 | €1.64 | €1.84 |
| EPS (Diluted) | €2.18 | €2.11 | €1.94 | €1.64 | €1.84 |
| Basic Shares Outstanding | 3027231491 | 3015082065 | 3031055333 | 2989007006 | 2990030437 |
| Diluted Shares Outstanding | 3027231491 | 3015082065 | 3031055333 | 2989007006 | 2990030437 |
Income Statement Trend
Credit Agricole S.A Balance Sheet From 2021 to 2025
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Assets | |||||
| Current Assets | |||||
| Cash & Equivalents | 579.8B | 581.5B | 598.9B | 654.9B | 640.8B |
| Short-term Investments | - | - | - | - | - |
| Accounts Receivable | - | - | - | - | - |
| Inventory | - | - | - | - | - |
| Other Current Assets | - | - | - | - | - |
| Total Current Assets | - | - | - | - | - |
| Non-Current Assets | |||||
| Property, Plant & Equipment | - | - | - | - | - |
| Goodwill | 36.2B | 35.9B | 35.0B | 34.5B | 34.5B |
| Intangible Assets | 3.4B | 3.4B | 3.1B | 3.1B | 3.3B |
| Long-term Investments | - | - | - | - | - |
| Other Non-Current Assets | - | - | - | - | - |
| Total Non-Current Assets | - | - | - | - | - |
| Total Assets | 2.4T | 2.3T | - | - | - |
| Liabilities | |||||
| Current Liabilities | |||||
| Accounts Payable | 30.3B | 36.2B | - | - | - |
| Short-term Debt | - | - | - | - | - |
| Current Portion of Long-term Debt | - | - | - | - | - |
| Other Current Liabilities | - | - | - | - | - |
| Total Current Liabilities | - | - | - | - | - |
| Non-Current Liabilities | |||||
| Long-term Debt | 313.0B | 315.6B | 278.5B | 239.9B | 199.3B |
| Deferred Tax Liabilities | - | - | - | - | - |
| Other Non-Current Liabilities | - | - | - | - | - |
| Total Non-Current Liabilities | - | - | - | - | - |
| Total Liabilities | 2.3T | 2.2T | - | - | - |
| Equity | |||||
| Common Stock | 31.8B | 30.9B | 30.9B | 29.6B | 28.5B |
| Retained Earnings | 7.1B | 7.1B | 6.3B | 5.3B | 5.8B |
| Treasury Stock | - | - | - | - | - |
| Other Equity | - | - | - | - | - |
| Total Shareholders Equity | 85.9B | 83.3B | 79.9B | 75.5B | 76.9B |
| Key Metrics | |||||
| Total Debt | 313.0B | 315.6B | 278.5B | 239.9B | 199.3B |
| Working Capital | 0 | 0 | 0 | 0 | 0 |
Balance Sheet Composition
Credit Agricole S.A Cash Flow Statement From 2021 to 2025
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Operating Activities | |||||
| Net Income | 10.4B | 10.6B | 9.5B | 7.9B | 8.1B |
| Depreciation & Amortization | - | - | - | - | - |
| Stock-Based Compensation | - | - | - | - | - |
| Working Capital Changes | -27.0B | -47.4B | -61.1B | -1.9B | -20.5B |
| Operating Cash Flow | -10.2B | -33.1B | -46.4B | 8.3B | -7.6B |
| Investing Activities | |||||
| Capital Expenditures | -1.1B | -1.1B | -885.0M | -1.0B | -876.0M |
| Acquisitions | -3.3B | -712.0M | 10.7B | -3.6B | 138.0M |
| Investment Purchases | - | - | - | - | - |
| Investment Sales | - | - | - | - | - |
| Investing Cash Flow | -4.4B | -1.8B | 9.9B | -5.0B | -838.0M |
| Financing Activities | |||||
| Share Repurchases | - | - | - | - | - |
| Dividends Paid | -3.5B | -5.1B | -3.5B | -3.2B | -3.1B |
| Debt Issuance | - | - | - | - | - |
| Debt Repayment | - | - | - | - | - |
| Financing Cash Flow | -4.5B | 9.4B | 16.5B | 598.0M | -3.1B |
| Free Cash Flow | 17.9B | -17.0B | -37.4B | 421.0M | 10.1B |
| Net Change in Cash | -19.1B | -25.4B | -20.0B | 3.8B | -11.5B |
Cash Flow Trend
Credit Agricole S.A Key Financial Ratios
No financial ratio data available.
Peer Financial Comparison
| Company | Market Cap | P/E Ratio | P/B Ratio | ROE | Profit Margin | Debt/Equity |
|---|---|---|---|---|---|---|
| BNP Paribas S.A | 98.1B | 8.61 | 0.85 | 9.66% | 25.50% | 5.40 |
| Caisse Régionale de | 1.7B | 6.90 | 0.28 | 4.25% | 33.55% | 0.28 |
| Crédit Agricole du | 1.7B | 8.58 | 0.27 | 3.29% | 31.14% | 0.05 |
| Crédit Agricole Nord | 1.6B | 9.49 | 0.27 | 2.88% | 25.95% | 0.10 |
Financial data is updated regularly. All figures are in the company's reporting currency.