Credit Agricole Alpes Provence (LTS:0O3R) FCF Margin %: 11.18% (As of Dec. 2025) — 77% Below Median

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LTS:0O3R Credit Agricole Alpes Provence LTS:0O3R
44 GF Score
Price €143.00
GF Value €80.68
! 2 Warning Signs
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What is Credit Agricole Alpes Provence FCF Margin %?

Credit Agricole Alpes Provence LTS:0O3R 44 FCF Margin % is 11.18% as of Dec. 2025, which is 77% below its 10-year median of 48.82. GuruFocus rates LTS:0O3R with a GF Score™ of 44/100 and a GF Value™ of €80.68. The stock has 2 warning signs investors should review. Among 1,502 Banks companies, Credit Agricole Alpes Provence ranks worse than 90.48% on this metric.

FCF Margin % is calculated as Free Cash Flow divided by its Revenue. Credit Agricole Alpes Provence's Free Cash Flow for the six months ended in Dec. 2025 was €20.9 Mil. Credit Agricole Alpes Provence's Revenue for the six months ended in Dec. 2025 was €186.4 Mil. Therefore, Credit Agricole Alpes Provence's FCF Margin % for the quarter that ended in Dec. 2025 was 11.18%.

As of today, Credit Agricole Alpes Provence's current FCF Yield % is -35.85%.

The historical rank and industry rank for Credit Agricole Alpes Provence's FCF Margin % or its related term are showing as below:

LTS:0O3R' s FCF Margin % Range Over the Past 10 Years
Min: -245   Med: 48.82   Max: 349.33
Current: -86.41


During the past 13 years, the highest FCF Margin % of Credit Agricole Alpes Provence was 349.33%. The lowest was -245.00%. And the median was 48.82%.

LTS:0O3R's FCF Margin % is ranked worse than
90.48% of 1502 companies
in the Banks industry
Industry Median: 25.815 vs LTS:0O3R: -86.41


Credit Agricole Alpes Provence FCF Margin % Related Terms


Credit Agricole Alpes Provence FCF Margin % Historical Data

* Premium members only.

The historical data trend for Credit Agricole Alpes Provence's FCF Margin % 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 Alpes Provence FCF Margin % Chart

Credit Agricole Alpes Provence Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
FCF Margin %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 167.62 -245.00 -148.40 45.69 -86.41

Credit Agricole Alpes Provence Semi-Annual Data
Jun16 Dec16 Jun17 Dec17 Jun18 Dec18 Jun19 Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25
FCF Margin % 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 -257.17 42.46 49.48 -157.42 11.18

Credit Agricole Alpes Provence FCF Margin % Competitor Comparison

For the Banks - Regional subindustry, Credit Agricole Alpes Provence's FCF Margin %, along with its competitors' market caps and FCF Margin % 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 Alpes Provence FCF Margin % vs Banks Industry

For the Banks industry and Financial Services sector, Credit Agricole Alpes Provence's FCF Margin % distribution charts can be found below:

* The bar in red indicates where Credit Agricole Alpes Provence's FCF Margin % falls into.


LTS:0O3R
44GF Score
Credit Agricole Alpes Provence LTS:0O3R
FCF Margin % is just one metric. See GF Score™, valuation, warning signs, and more.
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Credit Agricole Alpes Provence FCF Margin % Calculation

FCF margin is the ratio of Free Cash Flow divided by net sales or Revenue, usually presented in percent.

Credit Agricole Alpes Provence's FCF Margin for the fiscal year that ended in Dec. 2025 is calculated as

FCF Margin=Free Cash Flow (A: Dec. 2025 )/Revenue (A: Dec. 2025 )
=-382.565/442.711
=-86.41 %

Credit Agricole Alpes Provence's FCF Margin for the quarter that ended in Dec. 2025 is calculated as

FCF Margin=Free Cash Flow (Q: Dec. 2025 )/Revenue (Q: Dec. 2025 )
=20.853/186.44
=11.18 %

* 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.

Frequently Asked Questions Learn more about FCF Margin % →
What does a FCF Margin % of 11.18% mean?
Credit Agricole Alpes Provence (LTS:0O3R) has a FCF Margin % of 11.18% as of Dec. 2025. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Credit Agricole Alpes Provence and its competitors. This is 77% below median its historical median of 48.82. According to the industry distribution chart, Credit Agricole Alpes Provence ranks #1359 out of 1502 companies in the Banks industry, placing it in the top 90.5%.
Is Credit Agricole Alpes Provence's FCF Margin % too high?
Credit Agricole Alpes Provence's current FCF Margin % of 11.18% is 77% below median its 10-year median of 48.82. The Banks industry median FCF Margin % is 25.82. Credit Agricole Alpes Provence's value of 11.18% is 56.7% below this industry median. Based on the distribution chart, Credit Agricole Alpes Provence ranks #1359 out of 1502 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Credit Agricole Alpes Provence has a GF Score™ of 44/100, reflecting its overall financial health beyond just this single metric.
How does Credit Agricole Alpes Provence's FCF Margin % compare to competitors?
According to the Banks industry distribution chart, Credit Agricole Alpes Provence ranks #1359 out of 1502 companies for FCF Margin %. This places Credit Agricole Alpes Provence in the lower half of its industry. The industry median FCF Margin % is 25.82. Credit Agricole Alpes Provence's value of 11.18% is 56.7% below this benchmark. While the company's 10-year median is 48.82 vs. the industry median of 25.82, Credit Agricole Alpes Provence 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 FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 25.82, based on 1,502 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Credit Agricole Alpes Provence's current FCF Margin % of 11.18% is 56.7% 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Credit Agricole Alpes Provence and its competitors. For the Banks industry, the median FCF Margin % is 25.82 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Credit Agricole Alpes Provence's current FCF Margin % is 11.18%, which is 77% below median its own 10-year median of 48.82. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Credit Agricole Alpes Provence stock overvalued right now?
Credit Agricole Alpes Provence (LTS:0O3R) has a current FCF Margin % of 11.18%. The stock's GF Value™ is €80.68, compared to a current price of €143.00 — trading 77.2% above its estimated fair value. The current FCF Margin % is 11.18%, which is 77% below median its 10-year median of 48.82 and 56.7% below the Banks industry median of 25.82. Credit Agricole Alpes Provence's overall GF Score™ is 44/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Credit Agricole Alpes Provence (LTS:0O3R), the current FCF Margin % is 11.18% 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 Alpes Provence (LTS:0O3R) Overvalued in 2026?

Based on GuruFocus' analysis, Credit Agricole Alpes Provence stock appears to be overvalued. The current stock price of €143.00 is trading 77.2% above its estimated GF Value™ of €80.68.

Key valuation signals for LTS:0O3R:

  • FCF Margin %: 11.18% (77% below median its 10-year median of 48.82)
  • GF Value™: €80.68 vs. price of €143.00 (77.2% above fair value)
  • GF Score™: 44/100 with 2 warning signs
  • Industry Position: 56.7% below the Banks median (#1359 of 1502)

No single metric tells the full story. See the LTS:0O3R stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Credit Agricole Alpes Provence Business Description

Other Exchanges CRAP:France
Address 25 Chemin des Trois Cypres, Aix-en-Provence, FRA, 13097
Credit Agricole Alpes Provence is engaged in providing banking and financial services in France. It offers services to farmers, individuals and companies. It also offers insurance services such as life insurance and auto insurance.
44GF Score

Get the complete analysis for LTS:0O3R

FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€143.00
Price
€80.68
GF Value