Credit Agricole (CRARY) vs. Its Competitors Critical Analysis

Credit Agricole (OTCMKTS: CRARY) is one of 63 public companies in the “Commercial banks, not elsewhere classified” industry, but how does it compare to its competitors? We will compare Credit Agricole to related businesses based on the strength of its analyst recommendations, earnings, valuation, profitability, institutional ownership, risk and dividends.

Dividends

Credit Agricole pays an annual dividend of $0.24 per share and has a dividend yield of 2.9%. Credit Agricole pays out 34.8% of its earnings in the form of a dividend. As a group, “Commercial banks, not elsewhere classified” companies pay a dividend yield of 2.5% and pay out 34.7% of their earnings in the form of a dividend.



Risk and Volatility

Credit Agricole has a beta of 1.57, meaning that its stock price is 57% more volatile than the S&P 500. Comparatively, Credit Agricole’s competitors have a beta of 0.94, meaning that their average stock price is 6% less volatile than the S&P 500.

Analyst Ratings

This is a summary of recent recommendations for Credit Agricole and its competitors, as reported by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Credit Agricole 0 0 0 0 N/A
Credit Agricole Competitors 467 1476 1451 68 2.32

As a group, “Commercial banks, not elsewhere classified” companies have a potential upside of 11.60%. Given Credit Agricole’s competitors higher probable upside, analysts plainly believe Credit Agricole has less favorable growth aspects than its competitors.

Profitability

This table compares Credit Agricole and its competitors’ net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Credit Agricole 18.75% 5.95% 0.25%
Credit Agricole Competitors 18.68% 12.05% 1.04%

Insider & Institutional Ownership

0.4% of Credit Agricole shares are owned by institutional investors. Comparatively, 23.4% of shares of all “Commercial banks, not elsewhere classified” companies are owned by institutional investors. 12.8% of shares of all “Commercial banks, not elsewhere classified” companies are owned by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company will outperform the market over the long term.

Earnings and Valuation

This table compares Credit Agricole and its competitors revenue, earnings per share and valuation.

Gross Revenue Net Income Price/Earnings Ratio
Credit Agricole $21.05 billion $4.12 billion 11.88
Credit Agricole Competitors $14.29 billion $2.17 billion 10.68

Credit Agricole has higher revenue and earnings than its competitors. Credit Agricole is trading at a higher price-to-earnings ratio than its competitors, indicating that it is currently more expensive than other companies in its industry.

About Credit Agricole

Credit Agricole S.A. provides retail, corporate, insurance, and investment banking products and services worldwide. The company operates through five segments: Asset gathering; French Retail Banking – LCL; International Retail Banking; Specialised Financial Services; and Large customers. It offers payment instruments, loans, saving products, and payment management products and services; and savings/retirement, death and disability/creditor/group, and property and casualty insurance products. The company also provides asset management services, including managing asset classes, such as equities, bonds, diversified portfolios, ETFs, index-linked, and Smart Beta, as well as asset management services for property, private debt, infrastructures, and private equity; and cash and structured products. In addition, it offers wealth management services that allow individual customers to manage, protect, and transfer their assets; and consumer finance. Further, the company provides investment banking, structured finance, international trade finance, commercial banking, capital market, and syndication services; and leasing and factoring services. Additionally, it offers asset servicing solutions for investment products and for various asset classes, including execution, clearing, custody, fund administration, middle-office solutions, forex, stock lending and borrowing, and fund distribution support and services to issuers. The company serves individuals, small businesses, corporates, and local authorities. The company is headquartered in Montrouge, France. Credit Agricole S.A. is a subsidiary of SAS Rue La Boétie.

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