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Crcam Loire Haute LoireLTS:0ITP 39 Debt-to-Equity is 0.02 as of Dec. 2025, which is at its 10-year median of 0.02. GuruFocus rates LTS:0ITP with a GF Score™ of 39/100 and a GF Value™ of €64.17 (Significantly Overvalued). The stock has 1 warning sign investors should review. Among 1,421 Banks companies, Crcam Loire Haute Loire ranks better than 97.82% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for Crcam Loire Haute Loire's Debt-to-Equity or its related term are showing as below:
LTS:0ITP'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.01 Med: 0.02 Max: 0.03
Current: 0.02
During the past 13 years, the highest Debt-to-Equity Ratio of Crcam Loire Haute Loire was 0.03. The lowest was 0.01. And the median was 0.02.
LTS:0ITP's Debt-to-Equity is ranked better than 97.82% of 1421
companies
in the Banks industry
Industry Median: 0.58
vs LTS:0ITP: 0.02
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
Crcam Loire Haute Loire Debt-to-Equity Related Terms
Crcam Loire Haute Loire Debt-to-Equity Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Banks - Regional subindustry, Crcam Loire Haute Loire's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Crcam Loire Haute Loire Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Crcam Loire Haute Loire's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Crcam Loire Haute Loire's Debt-to-Equity falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Crcam Loire Haute Loire (LTS:0ITP) has a Debt-to-Equity of 0.02 as of Dec. 2025. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Crcam Loire Haute Loire and its competitors. This is near median its historical median of 0.02. Over the past decade, Crcam Loire Haute Loire's Debt-to-Equity has ranged from 0.01 to 0.03. According to the industry distribution chart, Crcam Loire Haute Loire ranks #31 out of 1421 companies in the Banks industry, placing it in the top 2.2%.
Is Crcam Loire Haute Loire's Debt-to-Equity too high?
Crcam Loire Haute Loire's current Debt-to-Equity of 0.02 is near median its 10-year median of 0.02. Over the past 10 years, this metric has ranged from a low of 0.01 to a high of 0.03. The Banks industry median Debt-to-Equity is 0.58. Crcam Loire Haute Loire's value of 0.02 is 96.6% below this industry median. Based on the distribution chart, Crcam Loire Haute Loire ranks #31 out of 1421 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Crcam Loire Haute Loire has a GF Score™ of 39/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Crcam Loire Haute Loire's Debt-to-Equity compare to competitors?
According to the Banks industry distribution chart, Crcam Loire Haute Loire ranks #31 out of 1421 companies for Debt-to-Equity. This places Crcam Loire Haute Loire in the top 2% of its industry — outperforming the majority of peers. The industry median Debt-to-Equity is 0.58. Crcam Loire Haute Loire's value of 0.02 is 96.6% below this benchmark. Historically, Crcam Loire Haute Loire's own Debt-to-Equity has ranged from 0.01 to 0.03 over the past decade. While the company's 10-year median is 0.02 vs. the industry median of 0.58, Crcam Loire Haute Loire has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.58, based on 1,421 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Crcam Loire Haute Loire's current Debt-to-Equity of 0.02 is 96.6% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Crcam Loire Haute Loire and its competitors. For the Banks industry, the median Debt-to-Equity is 0.58 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Crcam Loire Haute Loire's current Debt-to-Equity is 0.02, which is near median its own 10-year median of 0.02. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Crcam Loire Haute Loire stock overvalued right now?
Based on GuruFocus' analysis, Crcam Loire Haute Loire (LTS:0ITP) is currently considered Significantly Overvalued. The stock's GF Value™ is €64.17, compared to a current price of €96.31 — trading 50.1% above its estimated fair value. The current Debt-to-Equity is 0.02, which is near median its 10-year median of 0.02 and 96.6% below the Banks industry median of 0.58. Crcam Loire Haute Loire's overall GF Score™ is 39/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Crcam Loire Haute Loire (LTS:0ITP), the current Debt-to-Equity is 0.02 as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Crcam Loire Haute Loire (LTS:0ITP) Overvalued in 2026?
Based on GuruFocus' analysis, Crcam Loire Haute Loire stock appears to be overvalued.
The current stock price of €96.31 is trading 50.1% above its estimated GF Value™ of €64.17.
GuruFocus considers Crcam Loire Haute Loire to be Significantly Overvalued.
Key valuation signals for LTS:0ITP:
Debt-to-Equity: 0.02 (near median its 10-year median of 0.02)
GF Value™: €64.17 vs. price of €96.31 (50.1% above fair value)
Industry Position: 96.6% below the Banks median (#31 of 1421)
No single metric tells the full story. See the LTS:0ITP stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Crcam Loire Haute Loire is a regional bank belonging to the Credit Agricole Group. The Bank provides loans and financing to individuals and businesses through local branches in the Loire Region of France.
39GF Score
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