Crédit Mutuel is a cooperative bank that offers a range of financial services including retail banking, insurance, asset management, and investment banking. It serves millions of clients, providing financial expertise and support.

Crédit Mutuel

Absa Group Limited, together with its subsidiaries, provides various financial products and services in South Africa and internationally. The company operates through Retail and Business Banking; Corporate and Investment Banking; and Head Office, Treasury and Other Operations. It provides retail, business, corporate, investment banking, insurance, financial, and wealth management products and services. The company offers retail and business banking products and services to individual, enterprise, and commercial customers, including residential property-related finance solutions; vehicle and asset finance products and services; credit cards; personal loans; relationship banking; short-term insurance products; transactional banking, savings, and investment products and services; and rewards program and services. It also provides commercial property finance and term loans. In addition, the company offers investment banking services; private equity and infrastructure investments; corporate banking products and services; and wealth management services. Further, it provides life insurance products covering death, disability and retrenchment, funeral, and life wrapped investment products; investments, such as asset management, multi-management, unit trusts, and investment products; treasury services; and wealth and financial advisory services. Additionally, the company offers market services; trade and working capital solutions; and cash management, payment, and liquidity products and solutions. It also offers broker-dealer trading in debt and equity securities; and solicitation, syndication, selling, and arranging of equity and debt products, as well as financial, leasing, and management services. The company was formerly known as Barclays Africa Group Limited and changed its name to Absa Group Limited in May 2018. Absa Group Limited was incorporated in 1986 and is based in Johannesburg, South Africa.

Absa Group Limited

Barclays PLC, through its subsidiaries, provides various financial products and services in the United Kingdom, Europe, the Americas, Africa, the Middle East, and Asia. The company operates through Barclays UK and Barclays International divisions. It offers financial services, such as retail banking, credit cards, wholesale banking, investment banking, wealth management, and investment management services. The company also engages in securities dealing activities; and issues credit cards. The company was formerly known as Barclays Bank Limited and changed its name to Barclays PLC in January 1985. Barclays PLC was founded in 1690 and is headquartered in London, the United Kingdom.

John Freame

Thomas Gould

Barclays PLC

Hamburg Commercial Bank focuses on corporate banking with services across various sectors, including aviation, commercial real estate, energy, infrastructure, and shipping. The bank provides financing solutions for large companies with annual revenues starting at 100 million EUR.

Metric
Company Name	Crédit Mutuel	Absa Group Limited	Barclays PLC	Hamburg Commercial Bank
Symbol		ABG	BARC
MSH ID	COM:CREDITMUTUEL	AFRICA:ABSA	BARCLAYS:HOME	COM:HCOB-BANK
Market	PRIVATE	STOCKS	STOCKS	PRIVATE
Sector	Financial Services & Finance	Financial Services	Financial Services	Financial Services & Finance
Industry	Banking	Banks - Regional	Banks - Diversified	Banking
Country	FR	ZA	GB	DE
Stage
Employee Count		37.11K	92.40K
Website	creditmutuel.com	absa.africa	home.barclays	hcob-bank.com
LinkedIn		absa	barclays-bank
Founders

Metric
Market Cap	71.62M	416.63M
Enterprise Value
Monthly Web Traffic		9.07M
Web Traffic Growth		-0.02
Valuation
Raised Capital

Metric
Revenue	11.40B	32.34B
Revenue (LTM)
Revenue (NTM)
Gross Profit	11.40B	32.34B
EBITDA	192.00M	10.55B
Operating Income	-137.18M	8.27B
Net Income	1.10B	6.70B
EPS	1.33	0.36
Diluted EPS	1.33	0.34
Revenue 2022
Revenue 2023
Revenue 2024
Revenue 2025
Revenue 2026

Metric
Revenue Growth (LTM)
Revenue Growth (NTM)
Gross Profit Growth (LTM)
EBITDA Growth (LTM)
Net Income Growth (LTM)
14-Day Growth Score
28-Day Growth Score
90-Day Growth Score
365-Day Growth Score

Metric
Gross Profit Margin	1.43	1
Operating Profit Margin	0.39	0.26
EBITDA Margin	0.02	0.33
Net Profit Margin	0.13	0.21
Return on Equity	0.14	0.08
Return on Assets	0.01	0.00
Return on Capital Employed	0.03	0.01

COM:CREDITMUTUEL

Crédit Mutuel

Company Overview

Market Metrics

Financial Performance

Growth Metrics

Profitability Ratios

Valuation Multiples

Operational Metrics

Cash Flow Metrics

Balance Sheet Metrics

Efficiency Metrics

Metric
P/E Ratio	6.39	3.47
P/B Ratio	0.95	0.33
Revenue Multiple (LTM)
Revenue Multiple (NTM)
EBITDA Multiple (LTM)
EBITDA Multiple (NTM)
Price to Sales Ratio	0.95	1.42
EV Multiple	1.74K	66.57

Metric
Days Sales Outstanding
Days Payables Outstanding
Days Inventory Outstanding
Operating Cycle
Cash Conversion Cycle
Asset Turnover	0.11	0.02

Metric
Operating Cash Flow	3.22B	-1.18B
Free Cash Flow	2.83B	-3.37B
Cash Flow to Debt	0.16
Operating Cash Flow/Sales	0.28
Free Cash Flow Yield	0.13

Metric
Cash & Equivalents	-4.56B	286.23B
Accounts Receivable
Inventory
Goodwill	42.67M	5.32B
Debt to Capitalization	0.73	0.77
Debt to Assets	0.13	0.07
Current Ratio
Quick Ratio	4.98	5.18

Metric
Rule of 40 (LTM)
Rule of 40 (NTM)
Stock Comp to Revenue
R&D to Revenue
SG&A to Revenue		0.03