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Key Info

Credit Agricole SA Web - www.credit-agricole.com

Tel - 33-1-43-23-52-02

Next Reporting Date - 15.05.2019

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    Credit Agricole SA

    Banks

    FRANCE


    DCF Model Assumptions

    Risk Free Rate

    2.00%

    Country Equity Risk Premium

    6.00%

    Cost of Debt

    6.78%

    Cost of Debt

    6.78%

    Long Term Growth

    2.00%

    Beta Assumption

    1.08

    Current Market Cap mln$

    38,721.79

    Net Debt mln$

    -38,721.79

    WACC Estimate

    0.00%

    Ordinary Current Price $

    13.52

    DCF Model

    DCF20152016201720182019F2020F2021F2022F2023F2024F2025F2026F2027F2028F2029F
    Revenue41228.7539106.4741563.5846564.6447035.3249466.0551642.6454069.8656394.3758913.1961544.5164293.3567164.9770164.8573298.71
    EBITDA Costs41228.7539106.4741563.5846564.6447035.3249466.0551642.6454069.8656394.3758913.1961544.5164293.3567164.9770164.8573298.71
    EBITDA0.000.000.000.000.000.000.000.000.000.000.000.000.000.000.00
    EBITDA Margin0.000.000.000.000.000.000.000.000.000.000.000.000.000.000.00
    Operating Costs37545.7735374.2435904.8039399.9439634.2340908.0542048.6943320.6744538.8345819.3647136.7148491.9449886.1351320.4052795.91
    Operating Profit3682.983732.235658.777164.707401.098558.009593.9510749.1911855.5413093.8314407.7915801.4117278.8418844.4520502.80
    Operating Margin8.939.5413.6115.3915.7417.3018.5819.8821.0222.2323.4124.5825.7326.8627.97
    Pretax Costs36998.5435401.9234865.4638892.0638906.6840076.3241123.6642291.6143410.1444581.9645785.4247021.3648290.6749594.2450933.00
    PTP4230.213704.566698.127672.588128.659389.7410518.9811778.2512984.2414331.2315759.0917271.9918874.3020570.6122365.71
    Pretax Margin10.269.4716.1216.4817.2818.9820.3721.7823.0224.3325.6126.8628.1029.3230.51
    Net Income Costs37196.1235634.3537129.4241886.2142168.2044246.7346107.9548183.4950171.2052317.3954555.4056889.1459322.7161860.3864506.60
    Net Income4032.633472.124434.164678.434867.135219.325534.695886.376223.176595.806989.117404.217842.268304.478792.11
    Net Margin9.788.8810.6710.0510.3510.5510.7210.8911.0411.2011.3611.5211.6811.8411.99
    Revenue Less Capex42192.2339974.2242761.0847377.2647911.4850300.6152439.9554825.6457110.3759579.4062155.1764842.2967645.5970570.0873621.00
    Capex-963.48-867.75-1197.50-812.61-876.15-834.56-797.31-755.78-716.00-666.21-610.66-548.94-480.62-405.23-322.29
    Capex to Revenues-2.34-2.22-2.88-1.75-1.86-1.69-1.54-1.40-1.27-1.13-0.99-0.85-0.72-0.58-0.44
    Revenue less FCF57848.7921761.3616530.08288.193625.22-6494.97-15557.06-25662.67-35340.63-63871.75-115436.55-208630.53-377061.68-681470.31-1231633.44
    FCF-16620.0417345.1125033.4946276.4543410.1155961.0267199.6979732.5391735.00122784.94176981.06272923.88444226.65751635.151304932.15
    FCF to Revenue-40.3144.3560.2399.3892.29113.13130.12147.46162.67208.42287.57424.50661.401071.241780.29

    FRANCE Comparables

    tickercompanycountry Market Cap
    2019
    PE RATIO
    2019
    PE RATIO
    2020
    EV/EBITDA
    2019
    EV/EBITDA
    2020
    P/S
    2019
    DIVIDEND YIELD
    2019
    EBITDA Margin
    2019
    P/B
    2019
    ROE
    2019
    6 month return
    2019
    BNP FPBNP Paribas SAFRANCE 65049.108.057.45--1.366.44#????!0.607.62-2.49
    ACA FPCredit Agricole SAFRANCE 38721.799.258.74--1.755.58#????!0.636.826.19
    GLE FPSociete Generale SAFRANCE 24863.196.876.38--0.907.90#????!0.436.02-16.58

    International Comparables

    tickercompanycountryMarket Cap
    2019
    PE RATIO
    2019
    PE RATIO
    2020
    EV/EBITDA
    2019
    EV/EBITDA
    2020
    P/S
    2019
    DIVIDEND YIELD
    2019
    EBITDA Margin
    2019
    P/B
    2019
    ROE
    2019
    6 month return
    2019
    JPM USJPMorgan Chase & CoUNITED STATES 368989.9511.4310.72--3.222.98#????!1.5313.8611.60
    1398 HKIndustrial & Commercial Bank of China LtdCHINA 293494.155.725.36--2.525.28#????!0.7213.1711.52
    BAC USBank of America CorpUNITED STATES 289939.5210.529.56--3.132.28#????!1.1311.2615.22
    939 HKChina Construction Bank CorpCHINA 222114.195.525.21--2.225.46#????!0.7113.4111.92
    WFC USWells Fargo & CoUNITED STATES 214360.3710.139.12--2.553.89#????!1.1912.02-5.69
    1288 HKAgricultural Bank of China LtdCHINA 190412.315.044.71--2.016.02#????!0.6112.695.50
    HSBA LNHSBC Holdings PLCBRITAIN 173497.5911.9111.48--3.105.96#????!1.038.2813.20
    C USCitigroup IncUNITED STATES 160861.979.087.9715.3114.602.162.8533.490.859.588.53
    3988 HKBank of China LtdCHINA 160539.175.124.88--2.006.06#????!0.5711.4514.34
    3968 HKChina Merchants Bank Co LtdCHINA 127934.849.358.32--3.203.22#????!1.4616.3231.22
    RY CNRoyal Bank of CanadaCANADA 112095.9411.6510.93--3.323.86#????!2.0017.0210.28
    TD CNToronto-Dominion Bank/TheCANADA 101959.1711.0510.17--3.493.86#????!1.7015.822.67
    CBA AUCommonwealth Bank of AustraliaAUSTRALIA 93935.9614.4314.11--5.375.72#????!1.9414.2318.29
    HDFCB INHDFC Bank LtdINDIA 88702.8327.8422.69--4.80--4.1116.9721.48
    USB USUS BancorpUNITED STATES 82892.1612.0511.37--3.603.04#????!1.7114.323.45
    SAN SMBanco Santander SASPAIN 80903.488.638.18--1.455.07#????!0.738.2010.52
    ITUB4 BZItau Unibanco Holding SABRAZIL 77867.0611.5010.51--2.665.89#????!2.3520.700.74
    SBER LISberbank of Russia PJSCRUSSIA 76417.805.544.89--2.348.66#????!1.1522.2027.44
    SBER RMSberbank of Russia PJSCRUSSIA 74585.595.414.77--2.298.87#????!1.1222.2025.72
    BBDC3 BZBanco Bradesco SABRAZIL 68177.839.548.69--2.53-#????!1.7919.4918.76
    BBDC4 BZBanco Bradesco SABRAZIL 68177.8311.1010.11--2.533.57#????!2.0819.4920.45
    WBC AUWestpac Banking CorpAUSTRALIA 67260.5312.8011.95--4.396.80#????!1.4611.7111.42
    8306 JPMitsubishi UFJ Financial Group IncJAPAN 67208.327.407.50--1.984.00#????!0.446.17-14.01
    BNS CNBank of Nova Scotia/TheCANADA 66214.6010.079.36--2.904.79#????!1.3714.003.51
    3328 HKBank of Communications Co LtdCHINA 65691.415.635.32--1.895.46#????!0.6010.9517.21
    PNC USPNC Financial Services Group Inc/TheUNITED STATES 60676.4811.8111.04--3.433.06#????!1.2211.2614.08
    LLOY LNLloyds Banking Group PLCBRITAIN 57271.158.037.93--2.395.11#????!0.9812.8514.49
    ANZ AUAustralia & New Zealand Banking Group LtdAUSTRALIA 54596.4811.8011.47--4.125.90#????!1.2911.3613.85
    NAB AUNational Australia Bank LtdAUSTRALIA 50754.6711.6410.94--4.086.89#????!1.3412.008.94
    8316 JPSumitomo Mitsui Financial Group IncJAPAN 50317.387.567.64--1.944.34#????!0.527.21-3.16