Credit Agricole SA PK
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
Credit Agricole SA PK (CRARY) - Net Assets
Latest net assets as of December 2025: $77.69 Billion USD
Based on the latest financial reports, Credit Agricole SA PK (CRARY) 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 | 1.0% |
| 10-Year Change | 21.5% |
| Growth Volatility | 8.97 |
Credit Agricole SA PK - Net Assets Trend (2003–2025)
This chart illustrates how Credit Agricole SA PK's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for Credit Agricole SA PK (2003–2025)
The table below shows the annual net assets of Credit Agricole SA PK 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 | +16.62% |
| 2006-12-31 | $39.85 Billion | +29.89% |
| 2005-12-31 | $30.68 Billion | +23.02% |
| 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 Credit Agricole SA PK'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 | $56.33 Billion | 81.07% |
| Total Equity | $69.49 Billion | 100.00% |
Credit Agricole SA PK Competitors by Market Cap
The table below lists competitors of Credit Agricole SA PK ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Korea Aerospace Industries
KO:047810
|
$7.66 Billion |
|
Azek Company Inc
NYSE:AZEK
|
$7.66 Billion |
|
Kinsale Capital Group Inc
NYSE:KNSL
|
$7.67 Billion |
|
China Coal Energy Company Limited
F:CVV
|
$7.68 Billion |
|
Sunny Optical Technology Group Co Ltd
PINK:SNPTF
|
$7.65 Billion |
|
Charles River Laboratories
NYSE:CRL
|
$7.64 Billion |
|
Federal Home Loan Mortgage Corp Pref Var
OTCQB:FMCCI
|
$7.64 Billion |
|
Grupo Aeroportuario del Pacífico S.A.B. de C.V
PINK:GPAEF
|
$7.64 Billion |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Credit Agricole SA PK'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 69,488,413,000, a change of -5,221,587,000 (-7.0%).
- Net income of 6,337,595,000 contributed positively to equity growth.
- Dividend payments of 3,524,000,000 reduced retained earnings.
- Other comprehensive income decreased equity by 111,475,725,000.
- Other factors increased equity by 103,440,543,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $6.34 Billion | +9.12% |
| Dividends Paid | $3.52 Billion | -5.07% |
| Other Comprehensive Income | $-111.48 Billion | -160.42% |
| Other Changes | $103.44 Billion | +148.86% |
| Total Change | $- | -6.99% |
Book Value vs Market Value Analysis
This analysis compares Credit Agricole SA PK'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: 0.74x
- 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 1.20x to 0.74x 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 | $7.06 | $8.46 | x |
| 2004-12-31 | $6.30 | $8.46 | x |
| 2005-12-31 | $7.85 | $8.46 | x |
| 2006-12-31 | $10.43 | $8.46 | x |
| 2007-12-31 | $11.20 | $8.46 | x |
| 2008-12-31 | $10.08 | $8.46 | x |
| 2009-12-31 | $9.70 | $8.46 | x |
| 2010-12-31 | $9.40 | $8.46 | x |
| 2011-12-31 | $8.46 | $8.46 | x |
| 2012-12-31 | $7.81 | $8.46 | x |
| 2013-12-31 | $8.20 | $8.46 | x |
| 2014-12-31 | $9.50 | $8.46 | x |
| 2015-12-31 | $9.93 | $8.46 | x |
| 2016-12-31 | $10.25 | $8.46 | x |
| 2017-12-31 | $9.67 | $8.46 | x |
| 2018-12-31 | $10.30 | $8.46 | x |
| 2019-12-31 | $10.95 | $8.46 | x |
| 2020-12-31 | $11.30 | $8.46 | x |
| 2021-12-31 | $11.41 | $8.46 | x |
| 2022-12-31 | $11.13 | $8.46 | x |
| 2023-12-31 | $11.73 | $8.46 | x |
| 2024-12-31 | $12.39 | $8.46 | x |
| 2025-12-31 | $11.48 | $8.46 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Credit Agricole SA PK 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): 9.12%
- The company has moderate efficiency in generating returns from equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 9.59%
- • Asset Turnover: 0.03x
- • Equity Multiplier: 34.15x
- Recent ROE (9.12%) is above the historical average (6.35%), 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 | 16.06% | 9.33% | 0.04x | 39.96x | $1.60 Billion |
| 2006 | 14.99% | 9.89% | 0.04x | 35.96x | $1.75 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 | 6.39% | 11.80% | 0.02x | 27.16x | $-2.06 Billion |
| 2018 | 7.48% | 13.78% | 0.02x | 27.62x | $-1.48 Billion |
| 2019 | 7.70% | 14.77% | 0.02x | 28.09x | $-1.45 Billion |
| 2020 | 4.13% | 9.05% | 0.02x | 30.07x | $-3.83 Billion |
| 2021 | 8.57% | 17.67% | 0.02x | 30.40x | $-977.70 Million |
| 2022 | 7.98% | 14.11% | 0.02x | 32.14x | $-1.35 Billion |
| 2023 | 8.93% | 9.29% | 0.03x | 30.80x | $-760.60 Million |
| 2024 | 9.49% | 9.52% | 0.03x | 30.92x | $-384.00 Million |
| 2025 | 9.12% | 9.59% | 0.03x | 34.15x | $-611.25 Million |
Industry Comparison
This section compares Credit Agricole SA PK's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $22,823,266,317
- Average return on equity (ROE) among peers: 14.64%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Credit Agricole SA PK (CRARY) | $77.69 Billion | 6.72% | 29.55x | $7.66 Billion |
| Ameris Bancorp (ABCB) | $514.76 Million | 7.94% | 9.86x | $4.91 Billion |
| ACNB Corporation (ACNB) | $106.80 Million | 8.72% | 8.79x | $452.68 Million |
| Addiko Bank AG (ADBKF) | $6.08 Billion | 0.58% | 0.00x | $210.07 Million |
| Affinity Bancshares Inc (AFBI) | $80.78 Million | 3.82% | 9.53x | $79.98 Million |
| Absa Group Limited (AGRPF) | $56.49 Billion | 12.11% | 11.71x | $6.72 Billion |
| AIB Group plc (AIBGY) | $2.74 Billion | 18.02% | 16.84x | $21.72 Billion |
| Akbank Turk Anonim Sirketi (AKBTY) | $153.61 Billion | 39.08% | 6.47x | $8.60 Billion |
| Alpha Bank SA (ALBKY) | $8.37 Billion | 34.92% | 7.81x | $1.12 Billion |
| Community Capital Bancshares Inc (ALBY) | $9.19 Million | 7.09% | 8.66x | $19.76 Million |
| Alpine Banks of Colorado (ALPIB) | $235.94 Million | 14.17% | 11.96x | $248.47 Million |