Crédit Agricole S.A.
PosiFunda Ratios Only on PositoAI
PositoAI's own ratios from Crédit Agricole S.A.'s yearly results (2022–2025), compared with companies in France. Tap ? on any ratio for what it means.
What stands out
- Tangible Assets Ratio: Of every €100 the company owns, €99 is in tangible assets such as plants, cash, stock and receivables; the rest is goodwill and other intangibles. More tangible than 92% of companies in France.
- Growth Efficiency Ratio: Sales grew 27% in 3 years; of every extra €100 of sales, €31 became extra profit. Higher than 88% of companies in France.
Cash quality
Profit Cash Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Self-Funding Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Locked Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Growth quality
Steadiness Ratio
3/3 · 2/3Sales grew in 3 of the last 3 years; profit grew in 2 of 3.
Steadier than 62% of companies in France.
Growth Efficiency Ratio
€31Sales grew 27% in 3 years; of every extra €100 of sales, €31 became extra profit.
Higher than 88% of companies in France.
Asset Productivity Ratio
+27% / +11%In 3 years sales changed by +27% while total assets changed by +11%. Sales grew faster than assets.
Balance-sheet strength
Debt Due Cover Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Cushion Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Tangible Assets Ratio
99%Of every €100 the company owns, €99 is in tangible assets such as plants, cash, stock and receivables; the rest is goodwill and other intangibles.
More tangible than 92% of companies in France.
Tangible Net Worth Ratio
74%Of every €100 of net worth, €74 is tangible; the rest is goodwill and other intangibles, often from buying other companies.
More tangible than 83% of companies in France.
Shareholders
Standard fundamentals
P/E, P/B, ROE, debt, growth and more (11)
Crédit Agricole S.A. owes €0.96 for every €1 it owns. Net profit fell 0% in the year to Dec 2025, and grew 10% a year on average over 3 years.
Compared with companies in France · latest annual results Dec 2025.
P/E ratio
7.5Investors pay €7.5 for every €1 of Crédit Agricole S.A.'s yearly profit, lower than 92% of companies in France.
P/B ratio
0.58The share price is 0.58 times Crédit Agricole S.A.'s book value per share, lower than 95% of companies in France.
Market cap
€45.1 BThe total market value of all of Crédit Agricole S.A.'s shares at today's price (share price × number of shares), larger than 56% of companies in France. PosiCap size class: Tito Cap.
Net worth (book value)
€78.2 BWhat Crédit Agricole S.A. would have left on paper if it sold everything it owns and paid everything it owes, from its latest balance sheet (30 Jun 2026).
Book value per share
€25.78Net worth divided by the number of shares. The share price of €14.85 is 0.6 times this, which is the P/B above.
Return on equity (ROE)
8.6%Crédit Agricole S.A. earned 8.6% on its shareholders' money over the last year, lower than 77% of companies in France.
Owes vs Owns
0.96×Crédit Agricole S.A. owes €0.96 for every €1 it owns (high), higher than 98% of companies in France. Banks and lenders usually show higher figures.
Dividend yield
11.15%Crédit Agricole S.A. pays 11.15% of its share price as dividends a year, higher than 98% of dividend-paying companies in France.
Revenue growth
+4%Revenue rose 4% in the year to Dec 2025, and grew 8% a year on average over 3 years.
Profit growth
-0%Net profit fell 0% in the year to Dec 2025, and grew 10% a year on average over 3 years.
Profit margin
26.9%Crédit Agricole S.A. keeps €27 of every €100 of revenue as net profit.
Questions
What is Crédit Agricole S.A.'s P/E ratio?
Investors pay €7.5 for every €1 of Crédit Agricole S.A.'s yearly profit, lower than 92% of companies in France.
How is P/B calculated on PositoAI?
P/B is market cap divided by net worth from the latest balance sheet. For Crédit Agricole S.A.: €45.1 B ÷ €78.2 B (30 Jun 2026) = 0.6.
What is Crédit Agricole S.A.'s return on equity?
Crédit Agricole S.A. earned 8.6% on its shareholders' money over the last year, lower than 77% of companies in France.
How much does Crédit Agricole S.A. owe compared with what it owns?
Crédit Agricole S.A. owes €0.96 for every €1 it owns (high), higher than 98% of companies in France. Banks and lenders usually show higher figures.
Does Crédit Agricole S.A. pay a dividend?
Yes. Crédit Agricole S.A. pays 11.15% of its share price as dividends a year, higher than 98% of dividend-paying companies in France.
Is Crédit Agricole S.A.'s revenue growing?
Revenue rose 4% in the year to Dec 2025, and grew 8% a year on average over 3 years.
Figures from the company's yearly results and PositoAI's own data. Full tables are on the Go Deep tab. What each figure means. PositoAI is for research and education only and is not investment advice.