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Crcam Loire Haute LoireLTS:0ITP 38 EV-to-FCF is 12.71 as of Jul. 23, 2026, which is 1572% above its 10-year median of 0.76. GuruFocus rates LTS:0ITP with a GF Score™ of 38/100 and a GF Value™ of €64.20 (Significantly Overvalued). The stock has 1 warning sign investors should review. Among 1,193 Banks companies, Crcam Loire Haute Loire ranks worse than 71.25% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Crcam Loire Haute Loire's Enterprise Value is €794.6 Mil.
Crcam Loire Haute Loire's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was €62.5 Mil. Therefore, Crcam Loire Haute Loire's EV-to-FCF for today is 12.71.
The historical rank and industry rank for Crcam Loire Haute Loire's EV-to-FCF or its related term are showing as below:
LTS:0ITP'
s EV-to-FCF Range Over the Past 10 Years
Min: -27.21 Med: 0.76 Max: 47.15
Current: 12.95
During the past 13 years, the highest EV-to-FCF of Crcam Loire Haute Loire was 47.15. The lowest was -27.21. And the median was 0.76.
LTS:0ITP's EV-to-FCF is ranked worse than 71.25% of 1193
companies
in the Banks industry
Industry Median: 6.76
vs LTS:0ITP: 12.95
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Crcam Loire Haute Loire's PE Ratio (TTM) for today is calculated as:
Crcam Loire Haute Loire's share price for today is €101.00.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Crcam Loire Haute Loire's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was €7.800.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
* 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 EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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 EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Crcam Loire Haute Loire's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Crcam Loire Haute Loire's EV-to-FCF falls into.
Crcam Loire Haute Loire's current Enterprise Value is €794.6 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Crcam Loire Haute Loire's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was €62.5 Mil.
* 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 EV-to-FCF of 12.71 as of Jul. 23, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Crcam Loire Haute Loire and its competitors. This is 1572% above median its historical median of 0.76. According to the industry distribution chart, Crcam Loire Haute Loire ranks #850 out of 1193 companies in the Banks industry, placing it in the top 71.2%.
Is Crcam Loire Haute Loire's EV-to-FCF too high?
Crcam Loire Haute Loire's current EV-to-FCF of 12.71 is 1572% above median its 10-year median of 0.76. The Banks industry median EV-to-FCF is 6.76. Crcam Loire Haute Loire's value of 12.71 is 88% above this industry median. Based on the distribution chart, Crcam Loire Haute Loire ranks #850 out of 1193 companies in the Banks industry, which is below the industry midpoint. Overall, Crcam Loire Haute Loire has a GF Score™ of 38/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Crcam Loire Haute Loire's EV-to-FCF compare to competitors?
According to the Banks industry distribution chart, Crcam Loire Haute Loire ranks #850 out of 1193 companies for EV-to-FCF. This places Crcam Loire Haute Loire in the lower half of its industry. The industry median EV-to-FCF is 6.76. Crcam Loire Haute Loire's value of 12.71 is 88% above this benchmark. While the company's 10-year median is 0.76 vs. the industry median of 6.76, Crcam Loire Haute Loire has consistently been above 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 EV-to-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.76, based on 1,193 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Crcam Loire Haute Loire's current EV-to-FCF of 12.71 is 88% above 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 EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Crcam Loire Haute Loire and its competitors. For the Banks industry, the median EV-to-FCF is 6.76 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Crcam Loire Haute Loire's current EV-to-FCF is 12.71, which is 1572% above median its own 10-year median of 0.76. 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 €64.20, compared to a current price of €101.00 — trading 57.3% above its estimated fair value. The current EV-to-FCF is 12.71, which is 1572% above median its 10-year median of 0.76 and 88% above the Banks industry median of 6.76. Crcam Loire Haute Loire's overall GF Score™ is 38/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Crcam Loire Haute Loire (LTS:0ITP), the current EV-to-FCF is 12.71 as of Jul. 23, 2026. 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 €101.00 is trading 57.3% above its estimated GF Value™ of €64.20.
GuruFocus considers Crcam Loire Haute Loire to be Significantly Overvalued.
Key valuation signals for LTS:0ITP:
EV-to-FCF: 12.71 (1572% above median its 10-year median of 0.76)
GF Value™: €64.20 vs. price of €101.00 (57.3% above fair value)
Industry Position: 88% above the Banks median (#850 of 1193)
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.
38GF Score
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