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What Is Driving the New Fair Value for Crédit Agricole?
Crédit Agricole’s Fair Value Estimate has shifted from €19.15 to about €20.01, a modest uplift that lines up with a series of refreshed price targets from major research houses. Recent target moves of €0.40 and €1 from JPMorgan, along with a similar €1 adjustment from another bank and one upgrade in rating, point to a slightly more supportive tone around how the bank is tracking against expectations. If you follow this stock, it is worth staying tuned to see how these ongoing tweaks to analyst targets shape the narrative from here and how you can keep on top of those changes.
Stay updated as the Fair Value for Crédit Agricole shifts by adding it to your watchlist or portfolio. Alternatively, explore our Community to discover new perspectives on Crédit Agricole.
What Wall Street Has Been Saying
🐂 Bullish Takeaways
Across January 2026, research from JPMorgan, Deutsche Bank and Oddo BHF pointed in a supportive direction for Crédit Agricole, with several price targets being raised and one rating upgrade, which collectively sits behind the higher Fair Value Estimate of about €20.01.
JPMorgan featured twice, with Delphine at the firm lifting the price target by €0.40 on 5 February 2026 and a separate €1 move on 14 January 2026, signalling that, in their view, the bank’s execution and progress against expectations justify revisiting previous assumptions.
Deutsche Bank raised its price target by €1 on 23 January 2026, adding to the cluster of higher targets and reinforcing the idea that analysts are giving credit for how Crédit Agricole is running its business, including areas such as cost control and delivery against stated plans.
Oddo BHF upgraded Crédit Agricole on 27 January 2026. Taken together with the price target increases elsewhere, this reflects a group of analysts who see current valuation as at least reasonable given recent execution, even if they still flag reservations around how much upside is already reflected in the share price and the usual near term risks facing large banks.
🐻 Bearish Takeaways
The recent research flow is tilted toward supportive changes, so there is limited explicitly bearish commentary in the latest batch of reports. However, the fact that moves are framed as modest price target lifts and a single upgrade suggests some analysts are still cautious on how much further valuation can stretch from here.
Across the banks covering Crédit Agricole, there are hints of ongoing reservations around how much of the expected execution and growth is already captured in market pricing, together with the standard near term risks that can affect large financial institutions. This can cap how aggressive analysts are willing to be on their targets and ratings.
Story Continues
Do your thoughts align with the Bull or Bear Analysts? Perhaps you think there’s more to the story. Head to the Simply Wall St Community to discover more perspectives or begin writing your own Narrative!
ENXTPA:ACA 1-Year Stock Price Chart What’s in the News
Crédit Agricole S.A. has proposed a 2025 dividend of €1.13 per share, described as 3% higher than the 2024 level, with an ex dividend date set for 26 May 2026 and payment scheduled for 28 May 2026, which gives you clear dates to watch if you focus on income.
The bank has issued earnings guidance for 2028 that points to a net income Group share target above €8.5b, giving investors a medium term reference point for how management is framing the profit outlook.
Alongside the profit target, Crédit Agricole is guiding for average revenue growth above 3.5% per year between 2024 and 2028, which sets out a medium term ambition you can compare with how reported revenue develops over time.
How This Changes the Fair Value For Crédit Agricole
The Fair Value Estimate has moved from €19.15 to about €20.01, representing a modest uplift in the implied value per share.
The Discount Rate is unchanged at 12.3%, so the updated fair value is not driven by a change in the required return assumption.
The Revenue Growth assumption is now about 4.77% compared with 4.40% previously, reflecting a small increase in the projected top line expansion.
The Net Profit Margin has shifted slightly from roughly 26.64% to 26.60%, indicating a very small adjustment to expected profitability levels.
The Future P/E has moved from about 10.62x to 16.65x, indicating a meaningfully higher valuation multiple applied to expected earnings.
🔔 Never Miss an Update: Follow The Narrative
Narratives on Simply Wall St let you attach a clear story to the numbers, tying your view of a company’s future revenue, earnings and margins to a fair value estimate. Each Narrative connects Crédit Agricole’s business drivers to forecasts, then compares that fair value to today’s share price to help you think about when to buy or sell. They sit in the Community section used by millions of investors and are refreshed automatically when new earnings, guidance or news arrives, so the story you follow keeps evolving with the data.
If you want the full context behind the latest fair value shift, it is worth reading the original Narrative on Crédit Agricole and following how it evolves over time: ACA: Future Earnings Guidance And Dividend Policy Will Support Stronger Rating.
It joins the dots between digital banking, green finance and acquisitions, and the assumptions for future revenue, earnings, margins and the implied P/E multiple.
It sets out explicit earnings and dividend expectations through to about 2028, along with the key risks that could challenge that view.
It shows how different fair value and P/E outcomes compare with the current share price, so you can pressure test your own expectations against the analyst consensus.
To keep track of how new news or guidance changes that story, Stay updated on the most important news stories for Crédit Agricole by adding it to your watchlist or portfolio. Alternatively, explore our Community to discover new perspectives on Crédit Agricole.
This article by Simply Wall St is general in nature. We provide commentary based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. We aim to bring you long-term focused analysis driven by fundamental data. Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material. Simply Wall St has no position in any stocks mentioned.
Companies discussed in this article include ACA.PA.
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