Crédit Agricole S.A
Crédit Agricole S.A. provides retail and corporate banking, insurance, and investment banking products and services in France, Italy, rest of the European Union, rest of Europe, North America, Central and South America, Africa, the Middle East, the Asia Pacific, and Japan. It operates in five segments: Asset Gathering, Large Customers, Specialized Financial Services, French Retail Banking " LCL, … Read more
Crédit Agricole S.A (CRARF) - Net Assets
Latest net assets as of December 2025: $77.69 Billion USD
Based on the latest financial reports, Crédit Agricole S.A (CRARF) has net assets worth $77.69 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) and total liabilities ($2.30 Trillion). 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.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $77.69 Billion |
| % of Total Assets | 3.27% |
| Annual Growth Rate | 5.57% |
| 5-Year Change | 1.01% |
| 10-Year Change | 21.51% |
| Growth Volatility | 9.89 |
Crédit Agricole S.A - Net Assets Trend (2003–2025)
This chart illustrates how Crédit Agricole S.A's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for Crédit Agricole S.A (2003–2025)
The table below shows the annual net assets of Crédit Agricole S.A from 2003 to 2025.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | $77.69 Billion | -6.75% |
| 2024-12-31 | $83.31 Billion | +4.24% |
| 2023-12-31 | $79.92 Billion | +5.88% |
| 2022-12-31 | $75.48 Billion | -1.87% |
| 2021-12-31 | $76.92 Billion | +4.65% |
| 2020-12-31 | $73.50 Billion | +3.74% |
| 2019-12-31 | $70.84 Billion | +8.13% |
| 2018-12-31 | $65.52 Billion | +3.07% |
| 2017-12-31 | $63.56 Billion | -0.58% |
| 2016-12-31 | $63.94 Billion | +7.57% |
| 2015-12-31 | $59.44 Billion | +5.83% |
| 2014-12-31 | $56.16 Billion | +17.29% |
| 2013-12-31 | $47.88 Billion | +4.85% |
| 2012-12-31 | $45.67 Billion | -7.35% |
| 2011-12-31 | $49.29 Billion | -5.48% |
| 2010-12-31 | $52.15 Billion | +0.36% |
| 2009-12-31 | $51.96 Billion | +9.78% |
| 2008-12-31 | $47.34 Billion | +1.85% |
| 2007-12-31 | $46.47 Billion | +18.89% |
| 2006-12-31 | $39.09 Billion | +11.98% |
| 2005-12-31 | $34.91 Billion | +39.97% |
| 2004-12-31 | $24.94 Billion | +5.81% |
| 2003-12-31 | $23.57 Billion | -- |
Equity Component Analysis
This analysis shows how different components contribute to Crédit Agricole S.A'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 | $9.07 Billion | 13.06% |
| Other Comprehensive Income | $-2.99 Billion | -4.31% |
| Other Components | $56.34 Billion | 81.07% |
| Total Equity | $69.49 Billion | 100.00% |
Crédit Agricole S.A Competitors by Market Cap
The table below lists competitors of Crédit Agricole S.A ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
MERCK Kommanditgesellschaft auf Aktien
PINK:MKGAF
|
$16.25 Billion |
|
Fortive Corp
NYSE:FTV
|
$16.27 Billion |
|
Qinghai Salt Lake Industry Co.Ltd
SHE:000792
|
$16.27 Billion |
|
Suzhou TFC Optical Communication Co Ltd
SHE:300394
|
$16.28 Billion |
|
Huntington Ingalls Industries Inc
NYSE:HII
|
$16.23 Billion |
|
Huazhu Group Ltd
NASDAQ:HTHT
|
$16.16 Billion |
|
Insulet Corporation
NASDAQ:PODD
|
$16.16 Billion |
|
W. R. Berkley Corp
NYSE:WRB
|
$16.13 Billion |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Crédit Agricole S.A's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 74,710,000,000 to 69,491,963,000, a change of -5,218,037,000 (-7.0%).
- Net income of 6,595,529,000 contributed positively to equity growth.
- Dividend payments of 3,524,000,000 reduced retained earnings.
- Other comprehensive income decreased equity by 46,930,878,000.
- Other factors increased equity by 38,641,312,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $6.60 Billion | +9.49% |
| Dividends Paid | $3.52 Billion | -5.07% |
| Other Comprehensive Income | $-46.93 Billion | -67.53% |
| Other Changes | $38.64 Billion | +55.61% |
| Total Change | $- | -6.98% |
Book Value vs Market Value Analysis
This analysis compares Crédit Agricole S.A'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: 0.92x
- 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 1.27x to 0.92x 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 | $17.94 | x |
| 2004-12-31 | $12.60 | $17.94 | x |
| 2005-12-31 | $18.22 | $17.94 | x |
| 2006-12-31 | $20.41 | $17.94 | x |
| 2007-12-31 | $22.40 | $17.94 | x |
| 2008-12-31 | $20.17 | $17.94 | x |
| 2009-12-31 | $19.40 | $17.94 | x |
| 2010-12-31 | $18.79 | $17.94 | x |
| 2011-12-31 | $16.93 | $17.94 | x |
| 2012-12-31 | $15.62 | $17.94 | x |
| 2013-12-31 | $16.40 | $17.94 | x |
| 2014-12-31 | $19.00 | $17.94 | x |
| 2015-12-31 | $19.86 | $17.94 | x |
| 2016-12-31 | $20.50 | $17.94 | x |
| 2017-12-31 | $19.35 | $17.94 | x |
| 2018-12-31 | $20.61 | $17.94 | x |
| 2019-12-31 | $21.90 | $17.94 | x |
| 2020-12-31 | $22.60 | $17.94 | x |
| 2021-12-31 | $22.81 | $17.94 | x |
| 2022-12-31 | $22.25 | $17.94 | x |
| 2023-12-31 | $23.45 | $17.94 | x |
| 2024-12-31 | $24.78 | $17.94 | x |
| 2025-12-31 | $19.54 | $17.94 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Crédit Agricole S.A 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): 9.49%
- The company has moderate efficiency in generating returns from equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 9.98%
- • Asset Turnover: 0.03x
- • Equity Multiplier: 34.15x
- Recent ROE (9.49%) is above the historical average (6.28%), 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 | 40.86x | $-626.80 Million |
| 2004 | 13.39% | 7.25% | 0.05x | 38.82x | $708.10 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% | 17.11% | 0.01x | 31.71x | $-2.67 Billion |
| 2015 | 6.53% | 22.77% | 0.01x | 28.42x | $-1.87 Billion |
| 2016 | 6.07% | 23.42% | 0.01x | 26.16x | $-2.29 Billion |
| 2017 | 6.39% | 21.19% | 0.01x | 27.16x | $-2.06 Billion |
| 2018 | 7.48% | 23.47% | 0.01x | 27.62x | $-1.48 Billion |
| 2019 | 7.70% | 25.56% | 0.01x | 28.09x | $-1.45 Billion |
| 2020 | 4.13% | 14.98% | 0.01x | 30.07x | $-3.83 Billion |
| 2021 | 8.57% | 27.79% | 0.01x | 30.40x | $-977.70 Million |
| 2022 | 7.98% | 25.56% | 0.01x | 32.14x | $-1.35 Billion |
| 2023 | 8.93% | 27.03% | 0.01x | 30.80x | $-760.60 Million |
| 2024 | 9.49% | 27.98% | 0.01x | 30.92x | $-384.00 Million |
| 2025 | 9.49% | 9.98% | 0.03x | 34.15x | $-353.67 Million |
Industry Comparison
This section compares Crédit Agricole S.A's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $25,670,820,700
- Average return on equity (ROE) among peers: 9.44%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Crédit Agricole S.A (CRARF) | $77.69 Billion | 6.72% | 29.55x | $16.25 Billion |
| Ameris Bancorp (ABCB) | $120.94 Million | 10.83% | 9.48x | $4.91 Billion |
| ACNB Corporation (ACNB) | $2.75 Billion | 1.01% | 0.01x | $462.57 Million |
| Addiko Bank AG (ADBKF) | $839.50 Million | 5.41% | 6.63x | $210.07 Million |
| Affinity Bancshares Inc (AFBI) | $120.97 Million | 6.26% | 5.51x | $79.94 Million |
| Absa Group Limited (AGRPF) | $19.52 Billion | 23.08% | 14.72x | $6.72 Billion |
| AIB Group plc (AIBGY) | $14.46 Billion | -16.17% | 8.45x | $21.72 Billion |
| Akbank Turk Anonim Sirketi (AKBTY) | $211.22 Billion | 31.48% | 8.02x | $8.60 Billion |
| Alpha Bank SA (ALBKY) | $7.32 Billion | 8.44% | 8.89x | $1.12 Billion |
| Community Capital Bancshares Inc (ALBY) | $9.19 Million | 7.09% | 8.66x | $19.76 Million |
| Alpine Banks of Colorado (ALPIB) | $342.89 Million | 16.92% | 10.27x | $248.47 Million |