Credit AgricoleCRARY -0.63%61 Net Margin % is 23.97% as of Mar. 2026, which is 6% below its 10-year median of 25.52. GuruFocus rates CRARY with a GF Score™ of 61/100 and a GF Value™ of $9.39 (Fairly Valued). The stock has 6 warning signs investors should review. Among 1,526 Banks companies, Credit Agricole ranks better than 56.23% on this metric.
Net margin is calculated as Net Income divided by its Revenue. Credit Agricole's Net Income for the
three
months ended in Mar. 2026 was $1,938 Mil. Credit Agricole's Revenue for the
three
months ended in Mar. 2026 was $8,082 Mil. Therefore, Credit Agricole's net margin for the quarter that ended in Mar. 2026 was 23.97%.
The historical rank and industry rank for Credit Agricole's Net Margin % or its related term are showing as below:
CRARY'
s Net Margin % Range Over the Past 10 Years
Min: 14.94 Med: 25.52 Max: 28.57
Current: 28.57
CRARY's Net Margin % is ranked better than 56.23% of 1526
companies
in the Banks industry
Industry Median: 26.97
vs CRARY: 28.57
Credit Agricole (OTCPK:CRARY) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Credit Agricole Net Margin % Related Terms
Credit Agricole Net Margin % Historical Data
* Premium members only.
The historical data trend for Credit Agricole's Net 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 Net Margin % Competitor Comparison
For the Banks - Regional subindustry, Credit Agricole's Net Margin %, along with its competitors' market caps and Net 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Credit Agricole's Net Margin % distribution charts can be found below:
* The bar in red indicates where Credit Agricole's Net 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.
Credit Agricole (CRARY) has a Net Margin % of 23.97% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Credit Agricole and its competitors. This is near median its historical median of 25.52. Over the past decade, Credit Agricole's Net Margin % has ranged from 14.94 to 28.57. According to the industry distribution chart, Credit Agricole ranks #668 out of 1526 companies in the Banks industry, placing it in the top 43.8%.
Is Credit Agricole's Net Margin % too high?
Credit Agricole's current Net Margin % of 23.97% is near median its 10-year median of 25.52. Over the past 10 years, this metric has ranged from a low of 14.94 to a high of 28.57. The Banks industry median Net Margin % is 26.97. Credit Agricole's value of 23.97% is 11.1% below this industry median. Based on the distribution chart, Credit Agricole ranks #668 out of 1526 companies in the Banks industry, which is above the industry midpoint. Overall, Credit Agricole has a GF Score™ of 61/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Credit Agricole's Net Margin % compare to competitors?
According to the Banks industry distribution chart, Credit Agricole ranks #668 out of 1526 companies for Net Margin %. This puts Credit Agricole in the upper half of its industry. The industry median Net Margin % is 26.97. Credit Agricole's value of 23.97% is 11.1% below this benchmark. Historically, Credit Agricole's own Net Margin % has ranged from 14.94 to 28.57 over the past decade. While the company's 10-year median is 25.52 vs. the industry median of 26.97, Credit Agricole 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.97, based on 1,526 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Credit Agricole's current Net Margin % of 23.97% is 11.1% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Credit Agricole and its competitors. For the Banks industry, the median Net Margin % is 26.97 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Credit Agricole's current Net Margin % is 23.97%, which is near median its own 10-year median of 25.52. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Credit Agricole stock overvalued right now?
Based on GuruFocus' analysis, Credit Agricole (CRARY) is currently considered Fairly Valued. The stock's GF Value™ is $9.39, compared to a current price of $9.89 — trading 5.3% above its estimated fair value. The current Net Margin % is 23.97%, which is near median its 10-year median of 25.52 and 11.1% below the Banks industry median of 26.97. Credit Agricole's overall GF Score™ is 61/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Credit Agricole (CRARY), the current Net Margin % is 23.97% as of Mar. 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 Credit Agricole (CRARY) Overvalued in 2026?
Based on GuruFocus' analysis, Credit Agricole stock appears to be overvalued.
The current stock price of $9.89 is trading 5.3% above its estimated GF Value™ of $9.39.
GuruFocus considers Credit Agricole to be Fairly Valued.
Key valuation signals for CRARY:
Net Margin %: 23.97% (near median its 10-year median of 25.52)
GF Value™: $9.39 vs. price of $9.89 (5.3% above fair value)
Industry Position: 11.1% below the Banks median (#668 of 1526)
No single metric tells the full story. See the CRARY stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Credit Agricole S.A. is majority-owned by a group of 39 mutually owned, regional French banks, and together, they form the Credit Agricole Group, the largest cooperative bank globally. Credit Agricole S.A. houses all of Credit Agricole Group's activities, excluding the core French retail and commercial banking operations and including corporate and investment banking, its insurance operations, its international operations, notably in Italy, LCL, a separately branded French retail bank, and Credit Agricole S.A.'s majority interest in individually listed asset manager Amundi. Credit Agricole S.A. also acts as the central bank for the group.
61GF Score
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