Credit Agricole de la Touraine et du Poitou (LTS:0IQP) Effective Interest Rate on Debt %: 247.76% (As of Dec. 2025)

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LTS:0IQP Credit Agricole de la Touraine et du Poitou LTS:0IQP
43 GF Score
Price €149.90
GF Value €66.00
! 5 Warning Signs
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What is Credit Agricole de la Touraine et du Poitou Effective Interest Rate on Debt %?

Credit Agricole de la Touraine et du Poitou LTS:0IQP 43 Effective Interest Rate on Debt % is 247.76% as of Dec. 2025. GuruFocus rates LTS:0IQP with a GF Score™ of 43/100 and a GF Value™ of €66.00. The stock has 5 warning signs investors should review.

Effective Interest Rate on Debt % is the usage rate that a borrower actually pays on a debt. It is calculated as the positive value of Interest Expense divided by its average total debt. Total debt equals to Long-Term Debt & Capital Lease Obligation plus Short-Term Debt & Capital Lease Obligation. Credit Agricole de la Touraine et du Poitou's annualized positive value of Interest Expense for the quarter that ended in Dec. 2025 was €301.6 Mil. Credit Agricole de la Touraine et du Poitou's average total debt for the quarter that ended in Dec. 2025 was €121.7 Mil. Therefore, Credit Agricole de la Touraine et du Poitou's annualized Effective Interest Rate on Debt % for the quarter that ended in Dec. 2025 was 247.76%.


Credit Agricole de la Touraine et du Poitou  (LTS:0IQP) Effective Interest Rate on Debt % Explanation

Effective Interest Rate on Debt % measures the usage rate that a borrower actually pays on a debt.


Credit Agricole de la Touraine et du Poitou Effective Interest Rate on Debt % Related Terms


Credit Agricole de la Touraine et du Poitou Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Credit Agricole de la Touraine et du Poitou's Effective Interest Rate on Debt % can be seen below:

* 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.

Credit Agricole de la Touraine et du Poitou Effective Interest Rate on Debt % Chart

Credit Agricole de la Touraine et du Poitou Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Effective Interest Rate on Debt %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 90.09 99.72 414.45 346.24 260.63

Credit Agricole de la Touraine et du Poitou Semi-Annual Data
Jun16 Dec16 Jun17 Dec17 Jun18 Dec18 Jun19 Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25
Effective Interest Rate on Debt % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 477.85 413.13 355.05 264.78 247.76

Credit Agricole de la Touraine et du Poitou Effective Interest Rate on Debt % Competitor Comparison

For the Banks - Regional subindustry, Credit Agricole de la Touraine et du Poitou's Effective Interest Rate on Debt %, along with its competitors' market caps and Effective Interest Rate on Debt % 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.


Credit Agricole de la Touraine et du Poitou Effective Interest Rate on Debt % vs Banks Industry

For the Banks industry and Financial Services sector, Credit Agricole de la Touraine et du Poitou's Effective Interest Rate on Debt % distribution charts can be found below:

* The bar in red indicates where Credit Agricole de la Touraine et du Poitou's Effective Interest Rate on Debt % falls into.


LTS:0IQP
43GF Score
Credit Agricole de la Touraine et du Poitou LTS:0IQP
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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Credit Agricole de la Touraine et du Poitou Effective Interest Rate on Debt % Calculation

Credit Agricole de la Touraine et du Poitou's annualized Effective Interest Rate on Debt % for the fiscal year that ended in Dec. 2025 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (A: Dec. 2024 )+Total Debt  (A: Dec. 2025 ))/ count )
=-1  *  -316.427/( (124.803+118.014)/ 2 )
=-1  *  -316.427/121.4085
=260.63 %

where

Total Debt  (A: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=124.803 + 0
=124.803

Total Debt  (A: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=118.014 + 0
=118.014

Credit Agricole de la Touraine et du Poitou's annualized Effective Interest Rate on Debt % for the quarter that ended in Dec. 2025 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (Q: Jun. 2025 )+Total Debt  (Q: Dec. 2025 ))/ count )
=-1  *  -301.576/( (125.428+118.014)/ 2 )
=-1  *  -301.576/121.721
=247.76 %

where

Total Debt  (Q: Jun. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=125.428 + 0
=125.428

Total Debt  (Q: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=118.014 + 0
=118.014

* 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.

In the calculation of annual Effective Interest Rate on Debt %, the Interest Expense of the last fiscal year and the average total debt over the fiscal year are used. In calculating the quarterly data, the Interest Expense data used here is two times the semi-annual (Dec. 2025) interest expense data. Effective Interest Rate on Debt % is displayed in the 30-year financial page.

What does a Effective Interest Rate on Debt % of 247.76% mean?
Credit Agricole de la Touraine et du Poitou (LTS:0IQP) has a Effective Interest Rate on Debt % of 247.76% as of Dec. 2025. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Credit Agricole de la Touraine et du Poitou and its competitors.
Is Credit Agricole de la Touraine et du Poitou's Effective Interest Rate on Debt % too high?
Credit Agricole de la Touraine et du Poitou's current Effective Interest Rate on Debt % is 247.76%. Overall, Credit Agricole de la Touraine et du Poitou has a GF Score™ of 43/100, reflecting its overall financial health beyond just this single metric.
How does Credit Agricole de la Touraine et du Poitou's Effective Interest Rate on Debt % compare to competitors?
Credit Agricole de la Touraine et du Poitou's Effective Interest Rate on Debt % of 247.76% can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Effective Interest Rate on Debt % for a Banks company?
A good Effective Interest Rate on Debt % depends on the Banks industry context. However, Effective Interest Rate on Debt % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Effective Interest Rate on Debt % mean?
A high Effective Interest Rate on Debt % can signal that a stock is expensive relative to its fundamentals. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Credit Agricole de la Touraine et du Poitou and its competitors. Credit Agricole de la Touraine et du Poitou's current Effective Interest Rate on Debt % is 247.76%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Credit Agricole de la Touraine et du Poitou stock overvalued right now?
Credit Agricole de la Touraine et du Poitou (LTS:0IQP) has a current Effective Interest Rate on Debt % of 247.76%. The stock's GF Value™ is €66.00, compared to a current price of €149.90 — trading 127.1% above its estimated fair value. The current Effective Interest Rate on Debt % is 247.76%. Credit Agricole de la Touraine et du Poitou's overall GF Score™ is 43/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Effective Interest Rate on Debt % calculated?
Effective Interest Rate on Debt % is calculated from a company's financial statements. For Credit Agricole de la Touraine et du Poitou (LTS:0IQP), the current Effective Interest Rate on Debt % is 247.76% 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 Credit Agricole de la Touraine et du Poitou (LTS:0IQP) Overvalued in 2026?

Based on GuruFocus' analysis, Credit Agricole de la Touraine et du Poitou stock appears to be overvalued. The current stock price of €149.90 is trading 127.1% above its estimated GF Value™ of €66.00.

Key valuation signals for LTS:0IQP:

  • Effective Interest Rate on Debt %: 247.76%
  • GF Value™: €66.00 vs. price of €149.90 (127.1% above fair value)
  • GF Score™: 43/100 with 5 warning signs

No single metric tells the full story. See the LTS:0IQP stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Credit Agricole de la Touraine et du Poitou Business Description

Other Exchanges CRTO:France
Address 18 rue Salvador Allende, Poitiers, FRA, 86008
Crédit Agricole de la Touraine et du Poitou is engaged in providing banking and financial services in France. The company provides loans and financing to individuals and businesses through local branches.
43GF Score

Get the complete analysis for LTS:0IQP

Effective Interest Rate on Debt % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€149.90
Price
€66.00
GF Value