Crcam Ille Et VilaineXPAR:CIV -2.67%48 FCF Margin % is 96.30% as of Dec. 2025, which is 546% above its 10-year median of 14.90. GuruFocus rates XPAR:CIV with a GF Score™ of 48/100 and a GF Value™ of €63.02 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 1,505 Banks companies, Crcam Ille Et Vilaine ranks worse than 87.11% on this metric.
The historical rank and industry rank for Crcam Ille Et Vilaine's FCF Margin % or its related term are showing as below:
XPAR:CIV'
s FCF Margin % Range Over the Past 10 Years
Min: -240.87 Med: 14.9 Max: 320.55
Current: -61.27
During the past 13 years, the highest FCF Margin % of Crcam Ille Et Vilaine was 320.55%. The lowest was -240.87%. And the median was 14.90%.
XPAR:CIV's FCF Margin % is ranked worse than 87.11% of 1505
companies
in the Banks industry
Industry Median: 26.55
vs XPAR:CIV: -61.27
Crcam Ille Et Vilaine FCF Margin % Related Terms
Crcam Ille Et Vilaine FCF Margin % Historical Data
* Premium members only.
The historical data trend for Crcam Ille Et Vilaine'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.
Crcam Ille Et Vilaine FCF Margin % Competitor Comparison
For the Banks - Regional subindustry, Crcam Ille Et Vilaine'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.
Crcam Ille Et Vilaine FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Crcam Ille Et Vilaine's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Crcam Ille Et Vilaine's FCF Margin % 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 Ille Et Vilaine (XPAR:CIV) has a FCF Margin % of 96.30% as of Dec. 2025. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Crcam Ille Et Vilaine and its competitors. This is 546% above median its historical median of 14.90. According to the industry distribution chart, Crcam Ille Et Vilaine ranks #1311 out of 1505 companies in the Banks industry, placing it in the top 87.1%.
Is Crcam Ille Et Vilaine's FCF Margin % too high?
Crcam Ille Et Vilaine's current FCF Margin % of 96.30% is 546% above median its 10-year median of 14.90. The Banks industry median FCF Margin % is 26.55. Crcam Ille Et Vilaine's value of 96.30% is 262.7% above this industry median. Based on the distribution chart, Crcam Ille Et Vilaine ranks #1311 out of 1505 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Crcam Ille Et Vilaine has a GF Score™ of 48/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Crcam Ille Et Vilaine's FCF Margin % compare to competitors?
According to the Banks industry distribution chart, Crcam Ille Et Vilaine ranks #1311 out of 1505 companies for FCF Margin %. This places Crcam Ille Et Vilaine in the lower half of its industry. The industry median FCF Margin % is 26.55. Crcam Ille Et Vilaine's value of 96.30% is 262.7% above this benchmark. While the company's 10-year median is 14.90 vs. the industry median of 26.55, Crcam Ille Et Vilaine 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 FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.55, based on 1,505 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. Crcam Ille Et Vilaine's current FCF Margin % of 96.30% is 262.7% 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 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 Crcam Ille Et Vilaine and its competitors. For the Banks industry, the median FCF Margin % is 26.55 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Crcam Ille Et Vilaine's current FCF Margin % is 96.30%, which is 546% above median its own 10-year median of 14.90. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Crcam Ille Et Vilaine stock overvalued right now?
Based on GuruFocus' analysis, Crcam Ille Et Vilaine (XPAR:CIV) is currently considered Significantly Overvalued. The stock's GF Value™ is €63.02, compared to a current price of €127.50 — trading 102.3% above its estimated fair value. The current FCF Margin % is 96.30%, which is 546% above median its 10-year median of 14.90 and 262.7% above the Banks industry median of 26.55. Crcam Ille Et Vilaine's overall GF Score™ is 48/100 with 7 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 Crcam Ille Et Vilaine (XPAR:CIV), the current FCF Margin % is 96.30% 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 Ille Et Vilaine (XPAR:CIV) Overvalued in 2026?
Based on GuruFocus' analysis, Crcam Ille Et Vilaine stock appears to be overvalued.
The current stock price of €127.50 is trading 102.3% above its estimated GF Value™ of €63.02.
GuruFocus considers Crcam Ille Et Vilaine to be Significantly Overvalued.
Key valuation signals for XPAR:CIV:
FCF Margin %: 96.30% (546% above median its 10-year median of 14.90)
GF Value™: €63.02 vs. price of €127.50 (102.3% above fair value)
Industry Position: 262.7% above the Banks median (#1311 of 1505)
No single metric tells the full story. See the XPAR:CIV stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Crcam Ille Et Vilaine Formerly Crédit Agricole d'Ille-et-Vilaine is involved in providing banking services in France. The company offers savings, mortgages, loans, and account management services, as well as insurance products. It serves individuals, professionals, farmers, companies, and associations.
48GF Score
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FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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