Credit Agricole SA (ACA) - Net Assets

Latest as of December 2025: €77.72 Billion EUR ≈ $90.86 Billion USD

Based on the latest financial reports, Credit Agricole SA (ACA) has net assets worth €77.72 Billion EUR (≈ $90.86 Billion USD) as of December 2025. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (€2.37 Trillion ≈ $2.78 Trillion USD) and total liabilities (€2.30 Trillion ≈ $2.68 Trillion USD). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off. Check ACA tangible net assets ratio to evaluate the tangible quality of the company's equity base.

Key Net Assets Metrics

Metric	Value
Current Net Assets	€77.72 Billion
% of Total Assets	3.27%
Annual Growth Rate	4.75%
5-Year Change	-95.85%
10-Year Change	21.56%
Growth Volatility	541.46

Credit Agricole SA - Net Assets Trend (2003–2025)

This chart illustrates how Credit Agricole SA's net assets have evolved over time, based on quarterly financial data. See ACA defensive interval ratio to measure how many days the company can operate on defensive assets alone.

Annual Net Assets for Credit Agricole SA (2003–2025)

The table below shows the annual net assets of Credit Agricole SA from 2003 to 2025. For live valuation and market cap data, see Credit Agricole SA market capitalisation.

Year	Net Assets	Change
2025-12-31	€77.72 Billion ≈ $90.86 Billion	+2.14%
2024-12-31	€76.09 Billion ≈ $88.96 Billion	+4.67%
2023-12-31	€72.70 Billion ≈ $84.99 Billion	-96.23%
2022-12-31	€1.93 Trillion ≈ $2.26 Trillion	+2.95%
2021-12-31	€1.87 Trillion ≈ $2.19 Trillion	+5.75%
2020-12-31	€1.77 Trillion ≈ $2.07 Trillion	+2597.81%
2019-12-31	€65.71 Billion ≈ $76.82 Billion	+8.60%
2018-12-31	€60.51 Billion ≈ $70.74 Billion	+1.34%
2017-12-31	€59.71 Billion ≈ $69.80 Billion	-6.62%
2016-12-31	€63.94 Billion ≈ $74.75 Billion	+7.57%
2015-12-31	€59.44 Billion ≈ $69.49 Billion	+5.83%
2014-12-31	€56.16 Billion ≈ $65.66 Billion	+17.29%
2013-12-31	€47.88 Billion ≈ $55.98 Billion	+4.85%
2012-12-31	€45.67 Billion ≈ $53.39 Billion	-7.35%
2011-12-31	€49.29 Billion ≈ $57.63 Billion	-5.48%
2010-12-31	€52.15 Billion ≈ $60.97 Billion	+0.36%
2009-12-31	€51.96 Billion ≈ $60.75 Billion	+9.78%
2008-12-31	€47.34 Billion ≈ $55.34 Billion	+1.85%
2007-12-31	€46.47 Billion ≈ $54.33 Billion	+18.89%
2006-12-31	€39.09 Billion ≈ $45.70 Billion	+11.98%
2005-12-31	€34.91 Billion ≈ $40.81 Billion	+16.78%
2004-12-31	€29.89 Billion ≈ $34.95 Billion	+6.71%
2003-12-31	€28.01 Billion ≈ $32.75 Billion	--

Equity Component Analysis

This analysis shows how different components contribute to Credit Agricole SA's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.

Equity Composition Insights

Retained earnings have grown by 14.0% over the analyzed period, indicating profitable operations and earnings retention.

Current Equity Component Breakdown (December 2025)

Component	Amount	Percentage
Retained Earnings	€7.07 Billion	10.18%
Common Stock	€9.08 Billion	13.06%
Other Comprehensive Income	€-3.00 Billion	-4.31%
Other Components	€56.36 Billion	81.07%
Total Equity	€69.52 Billion	100.00%

Credit Agricole SA Competitors by Market Cap

The table below lists competitors of Credit Agricole SA ranked by their market capitalization.

Company	Market Cap
United Microelectronics NYSE:UMC	$51.89 Billion
SOFTBANK CORP. ADR F:3AG0	$52.06 Billion
DSV ADR 2 DK 1 F:DS8	$52.08 Billion
Bank of Communications Co SHG:601328	$52.15 Billion
Sea Ltd NYSE:SE	$51.75 Billion
Diamondback Energy Inc NASDAQ:FANG	$51.62 Billion
Investor AB ser. A ST:INVE-A	$51.60 Billion
Occidental Petroleum Corporation NYSE:OXY	$51.54 Billion

Equity Growth Attribution

This analysis shows how different factors contributed to changes in Credit Agricole SA's equity between the two most recent reporting periods.

Equity Growth Insights

From 2024 to 2025, total equity changed from 67,492,000,000 to 69,518,000,000, a change of 2,026,000,000 (3.0%).
Net income of 7,074,000,000 contributed positively to equity growth.
Dividend payments of 3,328,000,000 reduced retained earnings.
Other comprehensive income decreased equity by 8,113,000,000.
Other factors increased equity by 6,393,000,000.

Equity Change Factors (2024 to 2025)

Factor	Impact	Contribution
Net Income	€7.07 Billion	+10.18%
Dividends Paid	€3.33 Billion	-4.79%
Other Comprehensive Income	€-8.11 Billion	-11.67%
Other Changes	€6.39 Billion	+9.2%
Total Change	€-	3.00%

Book Value vs Market Value Analysis

This analysis compares Credit Agricole SA's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.

Valuation Insights

Current price-to-book ratio: 0.77x
The company is trading below its book value, potentially indicating the market believes the assets are overvalued on the balance sheet or anticipates future losses.
The price-to-book ratio has decreased from 1.25x to 0.77x over the analyzed period, indicating reduced market premium.

Historical Price-to-Book Ratios

Date	Book Value per Share	Market Price	P/B Ratio
2003-12-31	€14.12	€17.62	x
2004-12-31	€13.38	€17.62	x
2005-12-31	€18.22	€17.62	x
2006-12-31	€20.41	€17.62	x
2007-12-31	€22.40	€17.62	x
2008-12-31	€20.17	€17.62	x
2009-12-31	€19.40	€17.62	x
2010-12-31	€18.79	€17.62	x
2011-12-31	€16.93	€17.62	x
2012-12-31	€15.62	€17.62	x
2013-12-31	€16.40	€17.62	x
2014-12-31	€19.00	€17.62	x
2015-12-31	€19.86	€17.62	x
2016-12-31	€20.50	€17.62	x
2017-12-31	€18.66	€17.62	x
2018-12-31	€18.85	€17.62	x
2019-12-31	€20.11	€17.62	x
2020-12-31	€22.60	€17.62	x
2021-12-31	€22.81	€17.62	x
2022-12-31	€21.62	€17.62	x
2023-12-31	€21.07	€17.62	x
2024-12-31	€22.38	€17.62	x
2025-12-31	€22.96	€17.62	x

Capital Efficiency Dashboard

This dashboard shows how efficiently Credit Agricole SA utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.

Capital Efficiency Insights

Current Return on Equity (ROE): 10.18%
The company shows good efficiency in utilizing shareholder equity.
DuPont Analysis Breakdown:
• Net Profit Margin: 6.30%
• Asset Turnover: 0.05x
• Equity Multiplier: 34.15x
Recent ROE (10.18%) is above the historical average (6.46%), indicating improving capital efficiency.

Historical Capital Efficiency Metrics

Year	Return on Equity	Net Profit Margin	Asset Turnover	Equity Multiplier	Economic Value Added
2003	6.72%	4.59%	0.04x	41.09x	€-626.80 Million
2004	12.61%	7.25%	0.04x	42.06x	€578.90 Million
2005	13.85%	9.33%	0.04x	34.59x	€1.18 Billion
2006	15.32%	9.89%	0.04x	36.73x	€1.83 Billion
2007	11.20%	8.60%	0.04x	34.76x	€486.90 Million
2008	3.03%	2.48%	0.03x	39.62x	€-2.91 Billion
2009	3.18%	3.71%	0.03x	34.26x	€-3.10 Billion
2010	3.84%	4.66%	0.02x	34.89x	€-2.81 Billion
2011	-3.43%	-3.79%	0.02x	40.27x	€-5.75 Billion
2012	-15.91%	-18.46%	0.02x	39.86x	€-10.41 Billion
2013	5.94%	7.95%	0.02x	35.92x	€-1.72 Billion
2014	4.68%	7.53%	0.02x	31.71x	€-2.67 Billion
2015	6.53%	11.08%	0.02x	28.42x	€-1.87 Billion
2016	6.07%	11.74%	0.02x	26.16x	€-2.29 Billion
2017	6.88%	7.21%	0.03x	29.22x	€-1.66 Billion
2018	8.18%	9.83%	0.03x	30.19x	€-980.00 Million
2019	8.38%	7.40%	0.04x	30.59x	€-934.60 Million
2020	4.13%	6.49%	0.02x	30.07x	€-3.83 Billion
2021	8.57%	9.25%	0.03x	30.40x	€-977.70 Million
2022	8.21%	11.64%	0.02x	33.54x	€-1.16 Billion
2023	9.94%	6.50%	0.04x	34.28x	€-38.60 Million
2024	10.50%	6.75%	0.05x	34.22x	€337.80 Million
2025	10.18%	6.30%	0.05x	34.15x	€122.20 Million

Industry Comparison

This section compares Credit Agricole SA's net assets metrics with peer companies in the Banks - Regional industry.

Industry Context

Industry: Banks - Regional
Average net assets among peers: $13,920,475,333
Average return on equity (ROE) among peers: 5.54%

Peer Company Comparison

Company	Net Assets	Return on Equity	Debt-to-Equity	Market Cap
Credit Agricole SA (ACA)	€77.72 Billion	6.72%	29.55x	$51.88 Billion
BNP Paribas SA (BNP)	$107.21 Billion	7.24%	17.28x	$103.16 Billion
Caisse Régionale de Crédit Agricole Mutuel de Paris et d-Ile-de-France (CAF)	$3.91 Billion	7.75%	7.55x	$1.15 Billion
Ca Toulouse 31 CCI (CAT31)	$621.41 Million	6.90%	7.09x	$676.97 Million
Caisse Regionale de Credit Agricole Mutuel de Normandie Seine SC (CCN)	$1.92 Billion	4.96%	6.18x	$705.52 Million
Caisse régionale de Crédit Agricole Mutuel d-Ille-et-Vilaine SC (CIV)	$2.71 Billion	2.41%	6.87x	$345.12 Million
Caisse Régionale de Crédit Agricole du Morbihan (CMO)	$2.36 Billion	2.91%	4.92x	$231.54 Million
Caisse Régionale du Crédit Agricole Alpes Provence (CRAP)	$1.71 Billion	5.52%	7.60x	$125.38 Million
Caisse régionale de Crédit Agricole Mutuel Atlantique Vendée (CRAV)	$1.79 Billion	5.86%	7.80x	$232.37 Million
Caisse Regionale de Credit Agricole Mutuel Brie Picardie (CRBP2)	$3.05 Billion	6.30%	6.05x	$605.61 Million

About Credit Agricole SA

PA:ACA France Banks - Regional

Market Cap

$62.31 Billion

€53.30 Billion EUR

Market Cap Rank

#524 Global

#17 in France

Share Price

€17.62

Change (1 day)

+0.60%

52-Week Range

€15.41 - €19.03

All Time High

€19.03