Credit Agricole Stock Analysis

Introduction to Credit Agricole (EPA:ACA) on Euronext Paris

The Credit Agricole stock, listed under the code EPA:ACA on Euronext Paris, is one of the most closely followed banking stocks in the French financial market. With a solid history of performance and presence in major indices, it attracts a wide range of investors, from individuals to institutions.

This article provides a comprehensive financial analysis of the Credit Agricole stock as of November 10, 2025, based on the most recent and exhaustive figures. We will detail the price, dividend history, performance, risk profile, purchase methods via Bourse Direct, and much more—to help you invest knowledgeably, whether for estate planning or speculation.

Key Figures to Note on Credit Agricole (November 2025)

• Closing Price on 10/11/2025: €15.91
• One-Year High: €17.78
• One-Year Low: €12.34
• Dividend Approved by AGM on May 14, 2025: €1.10 gross per share (payment on May 28, 2025)
• Gross Dividend Yield at this Price: 6.9% to 7.03%
• Estimated Net Income Per Share (EPS) 2025: €2.14
• Expected EPS 2026: €2.19
• Price/Earnings Ratio (P/E) 2025: 7.15
• Distribution Rate: 47.3%
• Net Asset Value Per Share: €22.71
• Frequency of Dividends: Once per year, generally at the end of May

These indicators make Credit Agricole one of the high-yield potential stocks in the French market, while maintaining a regular and prudent dividend policy.

Dividend History: Stability and Growth

Credit Agricole has shown a steady increase in its dividend over several years:

The dividend policy shows a gradual recovery after the COVID period. Over five years, the dividend of Credit Agricole has increased regularly, with a notable growth rate for 2025.

Dividend Yield Analysis: A Major Advantage for Investors

The dividend yield of Credit Agricole, calculated on the observed price in November 2025, ranges between 6.9% and 7.03%. This rate places the stock among the best-paying values in the CAC 40 for investors seeking regular income. This high yield reflects prudent capital management and a clear desire to retain historical shareholders.

Attention: the dividend yield may vary based on the purchase price of the stock and the applicable tax (social security withholdings, income tax).

Net Income Per Share (NIPS) and Outlook

The expected NIPS for the year 2025 is 2,14 € and optimistic forecasts predict 2,19 € in 2026. The Price/Earnings Ratio (P/E Ratio) for 2025 stands around 7,15, which illustrates a reasonable valuation compared to the banking sector. This profitability, combined with cash flow generation and liability management, reinforces the strength of the group.

Variability and Stock Price Dynamics

The range of variation of the stock price over one year demonstrates moderate volatility:

• Highest (last 12 months): 17,78 €
• Lowest (last 12 months): 12,34 €
• Price on November 10, 2025: 15,91 €

The share price evolves within a relatively stable channel despite the oscillations of the financial sector, with a clear recovery post-crisis and correlation to European indices.

Participate in the Annual General Meeting and Receive Dividends

The payment of dividends is subject to the approval of the Ordinary General Meeting of Shareholders, usually held in May. For 2025, the AGM was held on May 14 and approved the dividend of 1,10 €.

To receive the dividend, it is sufficient to own the shares on the day before the ex-dividend date. Payment is automatic, credited to your securities account through your intermediary (Bourse Direct or other). No special documents or complex procedures are required.

Purchase Credit Agricole Shares via Bourse Direct

Bourse Direct Overview

Bourse Direct is a recognized French broker specializing in the execution of stock orders at competitive rates, suitable for both novice individuals and seasoned investors.

Brokerage Conditions for Credit Agricole

• Commission Fees: They vary according to the account profile, order type (online/telephone), and transaction value. Fees typically start below 2 € per order for small amounts, up to 0.09% for larger sums.
• Platform: Bourse Direct offers direct access to Euronext Paris, analysis tools, portfolio tracking, and real-time order placement.
• Taxation: Dividends are subject to social security withholdings (17.2%) and advance withholding of income tax (12.8%), with the option to opt for progressive taxation under certain conditions.
• Delays: The purchase of shares is immediate with the holding date set for the right to the next dividend.

Bourse Direct also provides training, support services, and documentation tailored to beginners to facilitate an informed decision.

Crédit Agricole in the CAC 40 Index

Crédit Agricole is integrated into the CAC 40, the flagship index of the Paris stock exchange composed of the forty largest French capitalizations. As of November 10, 2025, the bank ranks among the most important in the European financial sector, contributing significantly to the weighting of the index and its overall dynamics.

Market Capitalization, Float, and Volume

• Market Capitalization: It fluctuates around €38 to €40 billion at the end of 2025.
• Daily Trading Volume: Several million shares are traded each day, reflecting a high level of liquidity.
• Float: The majority of the capital is held by the national Crédit Agricole S.A. fund and the regional funds, with a float available for institutional and individual investors.

The importance of liquidity makes the stock accessible to individual investors at any time, with generally reduced spreads (buy/sell differences).

Why Choose Crédit Agricole for a Dividend-Oriented Strategy?

• Strong History: Annual dividend paid, prudent distribution policy.
• Superior Yield: Annual rate close to 7%, rare among large French banks.
• Managed Risks: Moderate payout ratio (about 47%), robust cash flow.
• Valuation Potential: Rising Earnings Per Share (EPS), low Price/Earnings (P/E) ratio, attractive valuation relative to the sector.
• Accessibility: Quick purchase and sale, high liquidity and adapted tools via Bourse Direct.

Crédit Agricole thus appeals to both investors seeking regular income and those aiming for capital appreciation over the medium/long term.

Risks and Points of Attention

• Sensitivity to Macroeconomic Context: The banking sector remains exposed to cyclical fluctuations, interest rate changes, and monetary policies.
• Regulation: Prudential requirements and European standards affect the level of distribution, particularly during crises.
• Share Price Volatility: Although volatility remains moderate, the price can fall in case of financial shock or unfavorable announcements (exceptional losses, fraud...).
• Taxation: Changes in tax rules (withholding taxes, dividend tax relief, etc.) can influence individual profitability.

Investing in bank stocks therefore requires regular monitoring and appropriate diversification of the portfolio.

How to Follow and Analyze Crédit Agricole Stock?

• Financial information sites: Follow real-time quotes on Boursorama, Bourse Direct, Euronext Paris, Investing, or Dividland.
• Analyst consensus: Review earnings projections, stock price targets, and dividend objectives to guide your decision-making.
• Official publications: The quarterly and annual reports of the Credit Agricole group allow you to understand strategic choices and financial strength.