24/07/2025 - Carrefour SA: Financial document (Carrefour H1 2025 Presentation)

[X]

H1 2025 Results

Q2 2025 Sales

July 24th, 2025



Key takeaways

Alexandre Bompard, Chairman & CEO



Sales accelerating in Q2

+4.4% LFL in Q2

(after +2.9% in Q1)



Accelerating LFLs

Operating Income up in all 3 key markets excl. Cora & Forex

ROI at €761m ex. Cora & Match

(vs €743m in 1H24)

€681m incl. Cora & Match



Ex. Cora & Match:

France



Spain



Brazil

Positive in all formats

LFL sales growth acceleration

Dynamic sales on high historicals

France



Spain



Brazil

  • ROI up +20.0% YOY

  • Margin up +34bps YOY

ROI +9.4% YOY

ROI +6.5% YOY (const. x-rate)

Reported: €340m in 1H25 vs.

€366m in 1H24 (current x-rate)



Full acquisition of Carrefour Brazil

Disposal of 7% of Carmila's share capital

New buying alliance Concordis









Carrefour 29.8%

Others 70.2%

Strategic rationale

Sharpened focus on core operations

Optimized resource allocation

Improvement of the financial profile of the Group

… with a buyer that has ambition and fire power to support the local business going forward



Net sales by format

FY 2024

Stores

Hyper 41

Cash & Carry 12

Market 315

1,188

Express 820

Italy grocery retail market share (1)

Cash & Carry 4%

Express 23%

€3.7bn

Hyper 32%

Market 41%



Carrefour

~4%

Competitors
Carrefour
Others

(1) Source: NielsenIQ

Carrefour & Coopérative U become the largest buying alliance in France with 34% market share

Strengthen competitiveness against major existing alliances and respond to FMCG consolidation

Direct price negotiations and international services

Operational roll-out from 2026, expanding into 2027 (advanced discussions with future partners)

Ranking of European buying alliances by turnover (2024)(1)

(€bn)

96

>150

~150

~190

~100

66

Target: €150bn+ cumulative turnover in the midterm

Vasco

Savings will be reinvested to drive

Epic/ Everest

Concordis objective

Eurelec Agecore/

Concordis v0

Eureca

competitiveness and market share

(1) Total turnover including VAT

+400 stores in H1 in France & Europe

Convenience stores

+16% to €3.4bn

E-commerce

Integration progressing well

M&A



37.4% of food sales (+0.4pt YOY)

Private labels

ESG



Delivering results on our operational initiatives



Cost savings



€1.2bn in 2025

€610m in H1

107%

Financial Results

Matthieu Malige, Group CFO

Evolution of FMCG markets in Q2 2025 - Market data

Value Volume

Value Volume

Value Volume

Value

Volume

Value Volume

Value Volume

Value Volume

Value

Volume





Brazil: +4.4%

Atacadão: +5.4%

Retail: +1.6%

Sam's Club: +0.1%

Argentina: +38.8%

Hypermarkets: +0.6%

Supermarkets: +0.7%

Convenience/other formats: +7.6%

Spain: +2.9%

Italy: +1.6%

Belgium: :+1.9% Romania:+2.7% Poland: -0.3%

Group LFL sales growth

H1 25

+3.7%

+4.4%

+2.9%

Q1 2025

Q2 2025

Q2 sales LFL

Group

+4.4%

France

+2.1%

Europe

+2.2%

LatAm

+9.7%

+5.2%

€22,708m

+5.5% +1.0%



+4.4% (0.9)%

(4.8)% €23,885m

› France: +2.1%

› Europe: +2.2%

› LatAm: +9.7%

Q2 2024 Gross

LFL

Expansion &

Petrol

Calendar

Forex

Q2 2025 Gross

sales

M&A

sales

Group Recurring Operating Income

Operating margin

€823m

2.0%

€761m

1.9%

€743m

1.8%

€681m

1.6%

-€80m

-€62m

H1 2024 H1 2025

at constant Fx, excl. Cora & Match

Forex impact H1 2025

at current Fx, excl. Cora & Match

Cora & Match

impact

H1 2025



France Q2 2025 LFL of +2.1% ROI temporarily impacted by Cora & Match

Positive LFL in all formats driven by the success of the commercial policy focusing on value

Positive volumes in a more supportive French market

Positive performance in food sales (+2.3% LFL) and stabilization in non-food sales (-0.3% LFL)

Excl. Cora & Match: H1 2025 ROI up +20.0% with ROI margin up +34bps at 1.9%

  • Cora & Match impact of €(80)m

Cora & Match: €130m synergies objective

confirmed by 2027

-1.5%

-0.3%

+4.9%

+0.6%

+0.7%

+7.6%

-3.6%

-1.3%

+1.9%

Hypermarkets

Supermarkets

Convenience & others

+0.2%

+2.1%

-1.7%

France

H1 25

Q2 25

Q1 25

LFL sales growth

+20.0%

€344m

€286m

o/w

€264m

incl.

Cora & Match effects



(1) Excluding Cora & Match impact

H1 2024

H1 2025

Europe Q2 LFL of +2.2%

Solid commercial momentum across Europe led by Spain, thanks to price investments driving volumes in improving markets

Italy and Belgium back to positive territory in Q2

Stabilized ROI thanks to Spain and despite Poland

Spain: Strong increase in ROI (+9.4%) and ROI margin

Good dynamics in Belgium and Italy

Highly competitive market in Poland leading to further price investments

(4.6)%

€84m

€80m

LFL sales growth

Q1 25

Q2 25

H1 25

Other Europe

+0.3%

+2.2%

+1.3%

Spain

+1.4%

+2.9%

+2.2%

Italy

-1.7%

+1.6%

-0.1%

Belgium

-1.1%

+1.9%

+0.4%

Romania

+2.7%

+2.7%

+2.7%

Poland

-1.9%

-0.3%

-1.1%



H1 2024 H1 2025

A buoyant market fostered by both volumes



and inflation

Successful price investments enhancing price leadership vs. peers

Strengthened positive momentum in food sales (+2.9% LFL in Q2 vs +2.5% LFL in Q1) driven by an excellent performance in fresh products

Positive non-food sales (+3.1% LFL in Q2)

Strong expansion: +68 convenience stores in H1 2025

Progressive recovery in Financial

Services: ROI slightly up in H1

ROI up +9.4% in H1





LatAm Q2 2025 LFL of +9.7% H1 2025 ROI impacted by FX

Sound performance in Brazil (+4.4% LFL) driven by Atacadão (+5.4% LFL) in an uncertain environment with high inflation and record level of interest rates weighing on customers purchasing power

Steady progression in Argentina (+38.8% LFL) with continued market share gains in volume and value

  • Normalization of the macro economic context with continued slowdown in inflation

  • Markets showing still negative volumes on the

back of pressure on purchasing power

Brazil: €340m vs €366m in H1 2024 (up +6.5% at constant exchange rate)

Argentina: €26m vs €51m in H1 2024

Negative FX impact of -€61m in LatAm

+2.5%(1)

€417m

o/w

€366m

incl. FX effect

€427m



LFL

Q1 2025

Q2 2025

H1 2025

LatAm

+12.2%

+9.7%

+10.9%

Brazil

+5.4%

+4.4%

+4.9%

Atacadão

+6.9%

+5.4%

+6.1%

Retail

+2.6%

+1.6%

+2.2%

Sam's Club

-3.8%

+0.1%

-1.9%

Argentina

+51.5%

+38.8%

+44.7%

H1 2024

(1) Growth at constant exchange rate

H1 2025

H1 2025 ROI

Stable

Primarily driven by the consolidation of Cora & Match -

-12bps excl. Cora & Match

+10bps excl. Cora & Match

Mainly Cora & Match

-30bps excl. Cora & Match

at constant rates

in €m

H1 2024

H1 2025

Variation

Net Sales

40,619

41,755

+2.8%

Gross margin

7,898

8,195

+3.8%

As a % of net sales

19.4%

19.6%

+18bps

SG&A

(6,122)

(6,405)

+4.6%

As a % of net sales

15.1%

15.3%

+27bps

Recurring operating income before D&A (EBITDA)

1,916

1,936

+1.1%

D&A

(1,032)

(1,108)

+7.4%

Recurring operating income (ROI)

743

681

-8.4%

Recurring operating margin

1.8%

1.6%

-20bps

Recurring operating margin excl. Cora & Match

1.8%

1.9%

+10bps

in €m

H1 2024

H1 2025

Recurring operating income

Net income from associates and JVs

Non-recurring income and expenses, net

743

14

(126)

681

14

(529)

EBIT

632

166

Net financial expenses

(430)

(308)

Cost of debt, net

(198)

(210)

Net interest related to lease commitments

(111)

(119)

Other financial income and expenses

(121)

21

Income before taxes

201

(142)

Income tax expense

(164)

(189)

Normative tax rate

27.6%

31.6%

Net income from discontinued operations

(1)

(30)

Consolidated Net income

36

(361)

Net income, Group share

25

(401)

Net income from continuing operations, Group share

26

(371)

Net income from discontinued operations, Group share

(1)

(30)

Minority interests

11

40

Net income from continuing operations, Non-controlling interests

11

40

Net income from discontinued operations, Non-controlling interests

-

-

Adjusted net income, Group share

313

210

Adjusted earning per share (EPS)

0.46

0.32

Stable level of cost of debt

Normalization after impact of dividend & forex in Argentina in 2024

Impairment of Italy & lower restructuring

Evolution of the geographic mix

-33% (€275m, -12% excl. Cora & Match)

-30% (€0.42, -8% excl. Cora & Match)

Net Free Cash Flow

EBITDA to Net FCF

Less cash-out of reorganization plans

Mainly the consolidation of Cora & Match (-€80m), high historicals in Argentina due to inflation

(-€170m) and in Brazil (-€130m)

Normalization after negative impact in Argentina in 2024

o/w c.-€180m from Cora & Match & -€81m from lower real estate divestment

Lower disposal of assets, mainly

real estate

Lower capex, mainly seasonality

effect

in €m

H1 2024

H1 2025

Variation

EBITDA

1,916

1,936

21

Income tax paid

(209)

(217)

(8)

Financial result (operations-related)(1)

(121)

21

142

Cash impact of restructuring items and others

(82)

(57)

25

Gross cash flow (excl. discontinued)

1,504

1,684

180

Change in working capital requirement (incl. change in consumer credit) (1,795)

(2,283)

(489)

Discontinued operations (0)

(0)

0

Operating cash flow (incl. exceptional items and discontinued)

(291)

(600)

(309)

Capital expenditure

(659)

(575)

85

Change in net payables and receivables on fixed assets

(189)

(233)

(44)

Asset disposals (business related)

239

184

(55)

Discontinued operations

-

-

-

Free cash flow

(900)

(1,224)

(324)

Payments related to leases (principal and interests) net of subleases payments received

(606)

(655)

(49)

Net cost of financial debt

(198)

(210)

(12)

Discontinued operations

-

-

-

Net Free Cash Flow

(1,704)

(2,091)

(386)

Mainly Cora & Match

  1. Excluding cost of debt and interest related to leases commitments

    (in €m)

    H1 2024

    H1 2025

    Variation

    Net free cash-flow (incl. real estate)

    (1,704)

    (2,091)

    (386)

    Real estate Capex

    96

    106

    +10

    Real estate asset disposal

    208

    138

    (70)

    Net real estate investment/(disposal)

    (112)

    (32)

    (81)

    Net free cash-flow (excl. real estate)

    (1,816)

    (2,122)

    (306)

    NFCF

    (in €m)

    H1 2025

    vs H1 2024

    Expected

    H2 2025 NFCF vs. H2 2024 NFCF

    Expected

    FY 2025 NFCF vs. FY 2024 NFCF

    Trend

    Comments

    Trend

    Comments

    EBITDA

    +21

    ++

    Improving business trends

    End of Cora & Match negative impact

    ++

    Increase in EBITDA

    Income tax paid

    (8)

    ~

    ~

    Financial result

    +142

    ~

    +

    High financial expenses in 2024 (Argentina notably)

    Restructuring costs

    +25

    ++

    Less reorganization plans cash out

    ++

    High cash out from restructuring in 2024

    Working Capital

    (489)

    -/~

    --

    Normalization of working capital contribution on high historicals

    Capex & change in working capital on fixed assets

    40

    -

    Seasonality of Capex

    ~

    Roughly stable Capex expected

    Asset disposals

    (55)

    +

    Seasonality of asset rotation

    -/~

    Lower to similar asset monetization vs 2024

    Others

    (62)

    ~

    -

    Net free cash-flow (386)

    ++

    >=

    Improvement in NFCF generation expected in H2 2025 vs H2 2024 mainly driven by EBITDA growth and easier comps

    Net debt increases mainly following Cora/Match acquisition

    382

    258

    1,177

    +€1,571m

    6,989

5,418



in €m

(1,071) 826

June 30, 2024

LTM Net FCF

Dividends(1)

Share buyback

Net M&A(2)

Forex and

June 30, 2025

Net Debt

Others

Net Debt

Notes: (1) Including €15m dividends paid to minority shareholders

  1. Notably including Cora & Match acquisition closed on July 1st 2024 (c.€1.1bn)



Following the buyout of minority shareholders in Carrefour Brazil, Carrefour will start refinancing BRL-denominated debt, currently standing at ~BRL 9.7bn (€1.5bn)

Most of BRL debt expected to be refinanced with EUR-denominated debt at lower interest rate by end-2025

~€100m improvement in Net Free Cash-Flow and Net income

  • Partial effect in 2025

  • Full impact expected from 2026 onward

Carrefour Italy in a nutshell

in €m

FY 2024

Gross sales including fuel

€4.2bn

Recurring Operating Income

€(67)m

Net Free Cash Flow

€(180)m

# stores

1,185(1)

Local market share

~4%

Highly competitive and fragmented market

Marginal presence in the market

Underperforming asset

Transaction structure

Buyer: NewPrinces Group, a major international food and beverage group

Perimeter: All Carrefour activities in Italy

Carrefour financial support to the transaction of up to €240m

Transaction timeline

Signing July 24, 2025

Closing possibly before year-end 2025 pending

regulatory approvals

(1) At December 31, 2024

APPENDIX



Confirmed

Confirmed

Cora & Match acquisition

€130m run-rate EBITDA synergies by 2027

€250m integration costs

(2024-25)

Remedies:

  • 6 hypermarkets (incl. 3 ex-Cora and 1 ex-Casino) out of which 4 bought by Coopérative U and 2 by Intermarché

  • 2 Carrefour Market, 1 Carrefour City and 1 Match bought by Coopérative U

  • Total value of c.€70m

    Confirmed

    Opex

    ~€150m

    Capex

    ~€100m

    Both transactions are subject to the approval of the French Competition Authority and to the usual conditions. They should be effective by the end of H1 2026.

    Updated

    €50m in 2024

    €100m in 2025

    €40m in 2024

    €60m in 2025

    €130m synergies objective confirmed by 2027

    €50m in

    H1 2025

    €50m in

    H2 2025

    €20m in

    H1 2025

    €40m in

    H2 2025

    Objective: strengthen competitiveness against major existing alliances and respond

    to FMCG consolidation

    Creation of a new European buying alliance

    • First milestone: An alliance between Carrefour & Coopérative U

      Objective to welcome other partners

    • Scope: all European markets of Carrefour & Coopérative U and future alliance partners

      Two key topics of negotiations: direct price negotiations and international services

      Initial scope: 40 multinational branded FMCG suppliers for price negotiations & 60 for international services

      Operational roll-out from 2026 negotiation campaign (after a 4-month review by the French

      Competition Authority)

      Duration of first term: 6 years (between Carrefour & Coopérative U)

      Concordis aims at attracting additional European retail partners

      • Gradual ramp-up starting in 2026, expanding into 2027

      • Between 5 and 7 potential partners targeted across all Europe

      • Already advanced discussions with future partners

        Target: €150bn+ cumulative turnover in the midterm

        Ambitious financial objectives

      • Leverage increased purchasing volumes

      • Direct negotiation and sale of international services

      • Indirect gains through halo effect on other suppliers, best practices and market knowledge sharing

      • Additional collaboration is planned on:

        • Private labels with joint auctions

        • Non-food where Coopérative U will access Carrefour Global Sourcing Platform

        • Retail Media where Coopérative U will enter into an agreement with Unlimitail, Carrefour-Publicis joint venture

Savings will be reinvested to drive competitiveness and market share

Before Concordis

With Concordis

Market

share (%)

  1. Aura

    • Intermarché (17.0%)

    • Auchan (9.5%)

    • Casino (2.9%)

29%

2. E. Leclerc

25%

3. Carrefour

22%

4. Coopérative U

12%

5. Lidl

8%

6. Aldi

3%

Market

share (%)

  1. Concordis

    • Carrefour (22.0%)

    • Coopérative U (12.1%)

34%

  1. Aura

    • Intermarché (17.0%)

    • Auchan (9.5%)

    • Casino (2.9%)

29%

3. E. Leclerc

25%

4. Lidl

8%

5. Aldi

3%

Kantar - My Worldpanel (P13 2024)

Carrefour 2026 objectives

OPERATIONAL OBJECTIVES

2024

H1 2025

2026

Private labels

37% of food sales

37.4% of food sales (+0.4pt vs H1 24)

40% of food sales

Convenience store openings

+1,556 vs. 2022

+2,068 vs. 2022

+2,400 vs. 2022

Atacadão store openings

+110 vs. 2022

+114 vs. 2022

>+200 vs. 2022

ESG OBJECTIVES

2024

H1 2025

2026

Sales of certified sustainable products

€6.2bn

€3.7bn

€8bn

Top 100 suppliers to adopt a 1.5°C trajectory

53

63

100

Employees with disabilities

14,290

14,507

15,000

FINANCIAL OBJECTIVES

2024

H1 2025

2026

E-commerce GMV

€5.9bn

€3.4bn (+16%)

€10bn

Cost savings

€1,240m

€610m

€4.2bn (cumul. 2023-2026)(1)

Net Free Cash Flow(2)

€1,457m

-€386m vs n-1

>€1.7bn

Investments (Capex)

€1,772m

€575m

€2bn/year

Cash dividend growth

+6% (€0.92/share)

-

>5%/year

Notes: (1) 2025 target raised to €1.2bn (vs €1.0bn initially); (2) Net Free Cash Flow corresponds to free cash flow after net finance costs and net lease payments. It includes cash-out of exceptional charges

Disclaimer

Carrefour SA published this content on July 24, 2025, and is solely responsible for the information contained herein. Distributed via Public Technologies (PUBT), unedited and unaltered, on July 24, 2025 at 15:49 UTC.

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