Credit Agricole S A - Understand $crary stock

$CRARY Market Cap: $40.62 Billion

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Financial Snapshot

Revenue

Gross Margin

Net Earnings

$10.77B

TTM

Current Assets

Current Liabilities

$95.70B

Q2 2024

Current Ratio

Total Assets

$2233B

Q2 2024

Total Liabilities

$2162B

Q2 2024

Book Value

$70.40B

Q2 2024

Cash

P/E

3.774

Nov 29, 2024 EST

Free Cash Flow

-$48.32B

TTM

Revenues

Revenue YoY Change

Revenues

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996
Revenue
YoY Change

Expenses

Cost Of Revenues

Gross Profit

Gross Profit Margin

Gross Profit

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996
Revenue
Cost Of Revenue
Gross Profit
Gross Profit Margin

Selling, General & Admin Expense

Research & Development

Depreciation, Depletion & Amortization

SGA Expense to Gross Profit Ratio

R&D To Gross Profit Ratio

DDA To Gross Profit Ratio

Operating Expenses Total

Operating Profits/Loss

Operational Expenses

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization	$1.151B	$1.175B	$1.172B	$1.143B	$1.048B	$759.0M	$786.0M	$706.0M	$667.0M	$646.0M	$679.0M	$779.0M	$789.0M	$1.025B	$959.0M	$875.0M	$773.0M	$505.0M	$454.0M	$568.0M
YoY Change	-2.04%	0.26%	2.54%	9.06%	38.08%	-3.44%	11.33%	5.85%	3.25%	-4.86%	-12.84%	-1.27%	-23.02%	6.88%	9.6%	13.2%	53.07%	11.23%	-20.07%
% of Gross Profit
Operating Expenses
YoY Change
Operating Profit
YoY Change

Interest Expenses

Interest Expenses To Operating Income %

Other Expense/Income

Interest & Other Expense/Income

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996
Interest Expense
YoY Change
% of Operating Profit
Other Income/Expense, Net
YoY Change

Income/Loss

Pretax Income

Income Tax

Net Profits/Loss

Pretax Income YoY Change

Income Tax Rate

Net Profits/Loss YoY Change

Basic EPS

Net Income To Revenue Ratio

Pretax & Net Income

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996
Pretax Income	$9.546B	$7.862B	$8.080B	$4.588B	$5.952B	$6.496B	$5.929B	$3.347B	$3.811B	$3.235B	$2.927B	-$1.720B	-$186.0M	$2.608B	$1.499B	$1.172B	$4.817B	$6.851B	$5.191B	$3.844B	$1.853B	$1.273B	$2.214B	$1.368B	$1.654B	$2.730B	$2.303B	$2.021B
YoY Change	21.42%	-2.7%	76.11%	-22.92%	-8.37%	9.56%	77.14%	-12.18%	17.81%	10.52%	-270.17%	824.73%	-107.13%	73.98%	27.9%	-75.67%	-29.69%	31.98%	35.04%	107.45%	45.56%	-42.5%	61.84%	-17.29%	-39.41%	18.54%	13.95%
Income Tax	$2.200B	$1.662B	$1.236B	$1.129B	$456.0M	$1.466B	$1.732B	$695.0M	$898.0M	$470.0M	$98.00M	$391.0M	$1.026B	$877.0M	$211.0M	-$66.00M	$257.0M	$1.590B	$942.0M	$822.0M	$567.0M	$212.0M	$861.0M	$62.00M	$677.0M	$1.348B	$1.071B	$806.0M
% Of Pretax Income	23.05%	21.14%	15.3%	24.61%	7.66%	22.57%	29.21%	20.76%	23.56%	14.53%	3.35%			33.63%	14.08%	-5.63%	5.34%	23.21%	18.15%	21.38%	30.6%	16.65%	38.89%	4.53%	40.93%	49.38%	46.5%	39.88%
Net Earnings	$5.890B	$5.025B	$5.491B	$2.319B	$4.257B	$3.957B	$3.195B	$3.066B	$3.163B	$2.123B	$2.510B	-$6.389B	-$1.470B	$1.263B	$1.125B	$1.024B	$4.044B	$4.860B	$3.891B	$2.724B	$1.026B	$1.064B	$1.067B	$972.0M	$808.0M	$1.879B	$1.503B	$1.304B
YoY Change	17.21%	-8.49%	136.78%	-45.53%	7.58%	23.85%	4.21%	-3.07%	48.99%	-15.42%	-139.29%	334.63%	-216.39%	12.27%	9.86%	-74.68%	-16.79%	24.9%	42.84%	165.5%	-3.57%	-0.28%	9.77%	20.3%	-57.0%	25.02%	15.26%
Net Earnings / Revenue
Basic Earnings Per Share
Diluted Earnings Per Share	$1.94	$1.68	$1.83	$0.80	$1.49	$1.39	$1.12	$1.12	$1.21	$0.84	$1.01	-$2.58	-$0.61	$0.53	$0.47	$0.45	$2.10	$2.73	$2.21	$1.55	$0.57	$0.90	$0.90	$1.07	$0.99	$2.61	$2.54	$2.54

Assets & Liabilities

Cash & Short-Term Investments

Cash & Equivalents

Cash To Operating Expenses Ratio

Inventory

Receivables

Total Short-Term Assets

Property, Plant And Equipment

Long-Term Investments

Total Long-Term Assets

Total Assets

Net Income To Total Assets Percentage

Accounts Payable

Short-Term Debt

Long Term Debt Due

Total Short-Term Liabilities

Long-Term Debt

Other Long-Term Liabilities

Total Long-Term Liabilities

Total Liabilities

Short-Term To Long-Term Debt Ratio

Short-Term Assets To Debt Ratio

Long-Term Debt To Net Income Ratio

Assets & Liabilities

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996
Cash & Short-Term Investments
YoY Change
Cash & Equivalents
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
Property, Plant & Equipment	$8.586B	$6.020B	$6.096B	$5.779B	$5.598B	$4.069B	$4.210B	$3.829B	$3.932B	$3.961B	$3.897B	$3.957B	$5.170B	$5.202B	$5.043B	$4.675B	$4.573B	$3.931B	$2.460B	$2.552B	$2.756B	$1.246B	$1.544B	$1.540B	$1.584B	$3.602B
YoY Change	42.62%	-1.25%	5.49%	3.23%	37.58%	-3.35%	9.95%	-2.62%	-0.73%	1.64%	-1.52%	-23.46%	-0.62%	3.15%	7.87%	2.23%	16.33%	59.8%	-3.61%	-7.4%	121.19%	-19.3%	0.26%	-2.78%	-56.02%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments	$2.599B	$4.300B	$8.317B	$7.650B	$7.232B	$6.368B	$5.108B	$7.100B	$24.59B	$21.25B	$20.64B	$20.37B	$22.56B	$19.61B	$20.03B	$21.16B	$14.44B	$17.25B	$15.49B	$151.8B	$142.3B	$100.8B	$93.81B	$78.98B	$70.22B	$8.266B	$7.021B	$6.468B
YoY Change	-39.56%	-48.3%	8.72%	5.78%	13.57%	24.67%	-28.06%	-71.13%	15.72%	2.96%	1.3%	-9.69%	15.06%	-2.09%	-5.36%	46.54%	-16.28%	11.34%	-89.8%	6.67%	41.14%	7.5%	18.77%	12.48%	749.49%	17.73%	8.55%
Other Assets	$7.405B	$7.490B	$7.170B	$5.703B	$3.542B	$3.387B	$5.236B	$3.167B	$2.990B	$2.755B	$6.375B	$21.50B	$5.355B	$6.801B	$5.603B	$5.760B	$2.581B	$1.719B	$6.503B	$2.207B
YoY Change	-1.13%	4.46%	25.72%	61.01%	4.58%	-35.31%	65.33%	5.92%	8.53%	-56.78%	-70.34%	301.42%	-21.26%	21.38%	-2.73%	123.17%	50.15%	-73.57%	194.65%
Total Long-Term Assets
YoY Change
Total Assets	$2189B	$2143B	$2074B	$1961B	$1768B	$1624B	$1552B	$1524B	$1529B	$1589B	$1519B	$1601B	$1724B	$1594B	$1557B	$1653B	$1414B	$1261B	$1061B	$817.4B	$786.0B	$505.7B	$495.1B	$480.5B	$460.2B	$390.7B	$383.4B	$381.3B
YoY Change
Accounts Payable						$1.000M
YoY Change
Accrued Expenses	$60.57B	$54.71B	$12.26B	$11.66B	$12.86B	$11.60B	$11.12B	$14.20B	$13.36B	$12.80B	$48.09B	$55.71B
YoY Change	10.71%	346.41%	5.12%	-9.34%	10.82%	4.35%	-21.72%	6.36%	4.34%	-73.38%	-13.68%
Deferred Revenue
YoY Change
Short-Term Debt	$30.21B	$23.53B	$19.42B	$28.18B	$29.81B	$24.57B	$26.11B	$29.35B	$33.83B	$45.20B											$90.51B	$58.26B	$57.56B	$55.64B	$41.41B	$38.30B	$43.23B	$41.28B
YoY Change	28.36%	21.18%	-31.08%	-5.46%	21.32%	-5.89%	-11.05%	-13.24%	-25.17%												55.35%	1.21%	3.45%	34.37%	8.11%	-11.39%	4.73%
Long-Term Debt Due	$20.16B		$334.0M	$316.0M	$285.0M	$14.33B	$13.89B									$107.0M	$1.356B
YoY Change			5.7%	10.88%	-98.01%	3.13%										-92.11%
Total Short-Term Liabilities	$90.78B	$78.24B	$32.01B	$40.15B	$42.95B	$36.17B	$37.23B	$43.55B	$47.18B	$58.00B	$48.09B	$61.18B	$2.998B	$1.233B	$1.212B	$1.405B	$3.193B	$1.195B	$780.0M		$90.51B	$58.26B	$57.56B	$55.64B	$41.41B	$38.30B	$43.23B	$41.28B
YoY Change	16.02%	144.43%	-20.28%	-6.51%	18.74%	-2.83%	-14.53%	-7.69%	-18.66%	20.61%	-21.4%	1940.73%	143.15%	1.73%	-13.74%	-56.0%	167.2%	53.21%			55.35%	1.21%	3.45%	34.37%	8.11%	-11.39%	4.73%
Long-Term Debt	$162.9B	$238.1B	$199.0B	$188.0B	$223.9B	$207.2B	$189.2B	$214.1B	$212.7B	$226.1B	$188.9B	$192.5B	$33.78B	$38.49B	$38.48B	$35.55B	$21.48B	$24.47B	$21.25B	$18.51B	$18.69B	$9.745B	$9.574B	$6.199B	$4.997B	$4.761B	$4.561B	$4.156B
YoY Change	-31.57%	19.65%	5.82%	-16.03%	8.05%	9.54%	-11.63%	0.65%	-5.93%	19.72%	-1.89%	469.84%	-12.22%	0.01%	8.26%	65.48%	-12.21%	15.16%	14.8%	-0.95%	91.75%	1.79%	54.44%	24.05%	4.96%	4.39%	9.74%
Other Long-Term Liabilities	$639.3B	$609.0B	$646.6B	$663.1B	$625.2B	$573.4B	$573.5B	$585.1B	$585.1B	$667.5B	$599.3B	$677.7B	$349.4B	$329.8B	$320.0B	$291.3B	$272.8B	$250.3B	$223.8B	$218.1B	$102.8B	$62.18B	$63.57B	$68.56B	$135.7B	$29.73B	$29.66B	$32.33B
YoY Change	4.98%	-5.82%	-2.49%	6.08%	9.02%	-0.01%	-1.98%	0.0%	-12.34%	11.37%	-11.56%	93.98%	5.92%	3.06%	9.88%	6.76%	8.99%	11.85%	2.63%	112.07%	65.35%	-2.19%	-7.27%	-49.48%	356.4%	0.24%	-8.26%
Total Long-Term Liabilities	$802.3B	$847.1B	$845.6B	$851.2B	$849.1B	$780.7B	$762.7B	$799.2B	$797.8B	$893.6B	$788.2B	$870.2B	$383.1B	$368.3B	$358.5B	$326.8B	$294.3B	$274.8B	$245.0B	$236.6B	$121.5B	$71.93B	$73.15B	$74.76B	$140.7B	$34.49B	$34.22B	$36.49B
YoY Change	-5.29%	0.18%	-0.65%	0.25%	8.76%	2.36%	-4.57%	0.17%	-10.72%	13.37%	-9.42%	127.12%	4.03%	2.73%	9.7%	11.05%	7.1%	12.14%	3.58%	94.69%	68.92%	-1.67%	-2.15%	-46.86%	307.89%	0.79%	-6.21%
Total Liabilities	$2118B	$2077B	$2006B	$1896B	$1705B	$1566B	$1494B	$1466B	$1475B	$1539B	$1476B	$1561B	$1681B	$1548B	$1512B	$1611B	$1374B	$1226B	$1031B	$791.2B	$762.4B	$490.3B	$480.1B	$468.7B	$450.3B	$370.1B	$364.6B	$363.9B
YoY Change	2.0%	3.54%	5.8%	11.21%	8.89%	4.76%	1.94%	-0.65%	-4.12%	4.23%	-5.41%	-7.14%	8.59%	2.38%	-6.18%	17.32%	12.01%	18.96%	30.28%	3.77%	55.5%	2.13%	2.42%	4.1%	21.68%	1.49%	0.19%

Ownership

Basic Shares Outstanding

Diluted Shares Outstanding

Preferred Stock

Treasury Stock Shares

Stock Issuance & Repurchase

Ownership Data

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996
Basic Shares Outstanding
Diluted Shares Outstanding
Preferred Stock
Treasury Stock Shares

Return On Shareholders' Equity

Book Value

Free Cash Flow

Free Cash Flow YoY

Free Cash Flow Margin

Dividends

Stock Price

Market Cap: $40.625 Billion

About CREDIT AGRICOLE S A

Crédit Agricole SA engages in the provision of banking and financial services. The company is headquartered in Montrouge, Ile-De-France and currently employs 75,125 full-time employees. The company went IPO on 2001-12-13. The firm provides retail banking activities in France (Crdit Lyonnais) and abroad. The company offers banking and insurance services through a network of regional, local banks and branches. The company provides asset management, insurance and private banking, assets under management. The firm offers activities, such as finance, investment, and market banking standard, specialized bank financing, stock operations, consulting in mergers and acquisitions, investment capital, etc. Its retail banking LCL is organized in four business lines: retail banking for individual customers, retail banking for small businesses, private banking, and corporate banking. The firm provide financial products and services to individual customers, small businesses, corporates, and local authorities in France and abroad.

Industry: UNKNOWN Peers: