Loading stockData sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.
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Loading stockData sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.
Not financial advice. Analytical data for research only.
Intrinsiqq is a Netherlands-based company operating in Rotterdam, KvK 73238007.
Crédit Agricole S.A. serves as the listed central institute and intermediate holding company of the Crédit Agricole Group, the world's largest cooperative financial institution and France's second-largest bank. It coordinates the group's consistent development strategy, financial unity, and synergies across its network of 39 regional cooperative banks, local banks, and specialized subsidiaries, while owning stakes in key entities like LCL, Crédit Agricole CIB for corporate and investment banking, and international operations. Primarily focused on retail banking, it leads in French domestic markets with a 28% share, alongside robust insurance (Predica, Pacifica), asset management, consumer finance (Sofinco), and pioneering climate finance through green bonds. Crédit Agricole S.A. drives diversification into wealth management (Indosuez), fintech (Linxo, Blank app), and strategic acquisitions in Italy (Banco BPM), Belgium (Degroof Petercam, Crelan), and Switzerland. As a systemically important bank, it plays a pivotal role in European financing, supporting SMEs, large corporates, and sustainable projects while maintaining strong solvency and profitability, exemplified by over €8 billion in net profits for three consecutive years through 2023.
€20.20
+€0.10 (+0.50%)
EOD Aug 14, 2026
30.67% net margin is above average for a financial institution, suggesting strong underwriting or fee income alongside controlled credit costs.
Revenue growth slowed to 3.7%, essentially flat. This is a business that needs a catalyst.
Financial stocks carry unique risks (credit cycles, regulatory changes, interest rate sensitivity) that aren't captured by standard quality metrics.
7.1x earnings. Below the sector average, the market may be pricing in credit losses or regulatory headwinds, or there's genuine value here.
Based on TTM earnings · Diluted shares
Profitability & Returns
Revenue (TTM)
€26.32B
▲ +3.7% YoY
Net Income (TTM)
€8.07B
▼ -1.2% YoY
Net Margin
30.68%
P/E
7.1x
Balance Sheet
Total Assets
€2.37T
Equity
€85.86B
Total Debt
€312.98B
Cash & Equiv.
€579.76B
3Y CAGR: +8.3%
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At a P/E of 7.1 and a price-to-free-cash-flow of 3.6, Credit Agricole SA (ACA.XPAR) trades below a two-stage DCF intrinsic value of about €298.53 per share, so at €20.20 the stock looks undervalued (1,377.9% below estimated intrinsic value). A high multiple is not the same as overvalued: fast-growing, high-quality businesses can deserve a premium. See the general approach in how to tell if a stock is overvalued.
On quality, Credit Agricole SA scores 55/100 on Intrinsiqq's quality scorecard (a mixed business on these measures), weighing growth, margins, returns on capital, share count, and balance-sheet strength. It currently yields about 5.4%; see dividend safety for coverage and history. All figures are computed from SEC filings; read the full methodology. This is analysis, not investment advice.
Intrinsiqq's two-stage DCF estimates an intrinsic value of about €298.53 per share for ACA.XPAR, projecting its recent free cash flow forward with a growth rate that fades toward a long-run rate and discounting it back to today. Applying a 25% margin of safety gives a more conservative fair-value entry around €223.89. At today's €20.20, that puts the stock about 1,377.9% below estimated intrinsic value. The result is sensitive to the growth and discount-rate inputs, so it is best to run conservative, base and optimistic cases. You can adjust all of them yourself with the sliders on the DCF tab.
Credit Agricole SA scores 55 out of 100 on Intrinsiqq's quality score, a weighted blend of 8 metrics each scored 0 to 100, which makes it a mixed business on these measures. The score weighs revenue and free-cash-flow growth, operating margins, return on invested capital, share-count change, and balance-sheet strength, all computed from SEC filings, not opinion. Because valuation only means something relative to quality, the full metric-by-metric breakdown is on the quality scorecard.
Yes, Credit Agricole SA pays a regular dividend of about €1.09 per share per year (typically in quarterly installments), a yield of roughly 5.4% at the current price. That is a payout ratio of about 43.6% of earnings, so the dividend is well covered. Credit Agricole SA has grown the dividend at roughly 3.5% a year over the past few years. A low headline yield is not the same as a weak dividend: what matters is how well earnings and free cash flow cover the payout and whether it is growing, not the percentage alone. For ACA.XPAR's full payout history, growth streak and dividend-safety score, see the dividends tab.
That depends on valuation and quality together, not either alone. ACA.XPAR currently trades below its estimated intrinsic value and scores 55/100 on quality (mixed). It also yields about 5.4%. A cheap price is only a bargain if the business is durable, and a premium can be justified by genuine quality, so the two questions, "is it cheap?" and "is it good?", only make sense side by side. Read the valuation against the quality scorecard, run the DCF on your own assumptions, and decide for yourself. This is analysis from SEC filings, not investment advice.