Crédit Agricole (CRARY) versus Its Rivals Head-To-Head Analysis

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

Risk & Volatility

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Crédit Agricole has a beta of 1.57, indicating that its share price is 57% more volatile than the S&P 500. Comparatively, Crédit Agricole’s competitors have a beta of 0.93, indicating that their average share price is 7% less volatile than the S&P 500.



Profitability

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

Net Margins Return on Equity Return on Assets
Crédit Agricole 18.75% 5.95% 0.25%
Crédit Agricole Competitors 18.68% 12.06% 1.04%

Dividends

Crédit Agricole pays an annual dividend of $0.24 per share and has a dividend yield of 2.9%. Crédit 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 35.2% of their earnings in the form of a dividend. Crédit Agricole is clearly a better dividend stock than its competitors, given its higher yield and lower payout ratio.

Analyst Ratings

This is a breakdown of recent recommendations and price targets for Crédit Agricole and its competitors, as reported by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Crédit Agricole 0 0 0 0 N/A
Crédit Agricole Competitors 464 1477 1452 68 2.32

As a group, “Commercial banks, not elsewhere classified” companies have a potential upside of 11.28%. Given Crédit Agricole’s competitors higher probable upside, analysts plainly believe Crédit Agricole has less favorable growth aspects than its competitors.

Institutional and Insider Ownership

0.4% of Crédit Agricole shares are owned by institutional investors. Comparatively, 23.3% 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 company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company will outperform the market over the long term.

Valuation & Earnings

This table compares Crédit Agricole and its competitors revenue, earnings per share (EPS) and valuation.

Gross Revenue Net Income Price/Earnings Ratio
Crédit Agricole $21.05 billion $4.12 billion 11.97
Crédit Agricole Competitors $14.29 billion $2.16 billion 10.85

Crédit Agricole has higher revenue and earnings than its competitors. Crédit 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.

Summary

Crédit Agricole beats its competitors on 7 of the 12 factors compared.

Crédit Agricole Company Profile

Crédit Agricole S.A. provides retail, corporate, insurance, and investment banking products and services worldwide. It operates through five segments: Asset Gathering; French Retail Banking – LCL; International Retail Banking; Specialised Financial Services; and Large Customers. The company offers payment instruments, loans, and saving products; savings/retirement, death and disability/creditor/group, and property and casualty insurance products; and expertise and investment solutions for active, passive, real estate, and alternative asset management. It also provides wealth management services that allow individual customers to manage, protect, and transfer their assets; and consumer finance and flow management services. In addition, the company offers financing solutions for property and equipment investment and renewal requirements; trade receivable financing and management solutions for corporates; and financing services for renewable energy and public infrastructure projects, as well as leasing services. Further, it provides investment banking, structured finance, international trade finance, commercial banking, capital market, and syndication services; and asset servicing solutions for investment products, as well as various asset classes, such as execution, clearing, custody, fund administration, middle-office, forex, security lending and borrowing, and fund distribution support and services to issuers. Crédit Agricole S.A. serves retail customers, corporate customers, banks and financial institutions, government agencies, and local authorities. The company is headquartered in Montrouge, France. Crédit Agricole S.A. is a subsidiary of SAS Rue La Boétie.

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