Credit Agricole du Morbihan (LTS:0AHX) Net Margin %: 18.24% (As of Dec. 2025) — 34% Below Median


LTS:0AHX Credit Agricole du Morbihan LTS:0AHX
44 GF Score
Price €136.98
GF Value €79.86
! 2 Warning Signs
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What is Credit Agricole du Morbihan Net Margin %?

Credit Agricole du Morbihan LTS:0AHX 44 Net Margin % is 18.24% as of Dec. 2025, which is 34% below its 10-year median of 27.84. GuruFocus rates LTS:0AHX with a GF Score™ of 44/100 and a GF Value™ of €79.86. The stock has 2 warning signs investors should review. Among 1,530 Banks companies, Credit Agricole du Morbihan ranks better than 58.69% on this metric.

Net margin is calculated as Net Income divided by its Revenue. Credit Agricole du Morbihan's Net Income for the six months ended in Dec. 2025 was €18.8 Mil. Credit Agricole du Morbihan's Revenue for the six months ended in Dec. 2025 was €103.0 Mil. Therefore, Credit Agricole du Morbihan's net margin for the quarter that ended in Dec. 2025 was 18.24%.

The historical rank and industry rank for Credit Agricole du Morbihan's Net Margin % or its related term are showing as below:

LTS:0AHX' s Net Margin % Range Over the Past 10 Years
Min: 19.2   Med: 27.84   Max: 32.56
Current: 29.33


LTS:0AHX's Net Margin % is ranked better than
58.69% of 1530 companies
in the Banks industry
Industry Median: 26.845 vs LTS:0AHX: 29.33

Credit Agricole du Morbihan  (LTS:0AHX) 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 du Morbihan Net Margin % Related Terms


Credit Agricole du Morbihan Net Margin % Historical Data

* Premium members only.

The historical data trend for Credit Agricole du Morbihan'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 du Morbihan Net Margin % Chart

Credit Agricole du Morbihan Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Net Margin %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 30.81 32.56 25.11 29.52 29.33

Credit Agricole du Morbihan Semi-Annual Data
Dec15 Jun16 Dec16 Jun17 Dec17 Jun18 Dec18 Jun19 Dec19 Jun20 Dec20 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25
Net 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 7.16 37.81 18.98 38.03 18.24

Credit Agricole du Morbihan Net Margin % Competitor Comparison

For the Banks - Regional subindustry, Credit Agricole du Morbihan'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 du Morbihan Net Margin % vs Banks Industry

For the Banks industry and Financial Services sector, Credit Agricole du Morbihan's Net Margin % distribution charts can be found below:

* The bar in red indicates where Credit Agricole du Morbihan's Net Margin % falls into.


LTS:0AHX
44GF Score
Credit Agricole du Morbihan LTS:0AHX
Net Margin % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Credit Agricole du Morbihan Net Margin % Calculation

Net margin - also known as net profit margin is the ratio of Net Income divided by net sales or Revenue, usually presented in percent.

Credit Agricole du Morbihan's Net Margin for the fiscal year that ended in Dec. 2025 is calculated as

Net Margin=Net Income (A: Dec. 2025 )/Revenue (A: Dec. 2025 )
=68.741/234.357
=29.33 %

Credit Agricole du Morbihan's Net Margin for the quarter that ended in Dec. 2025 is calculated as

Net Margin=Net Income (Q: Dec. 2025 )/Revenue (Q: Dec. 2025 )
=18.787/103.019
=18.24 %

* 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 Net Margin % →
What does a Net Margin % of 18.24% mean?
Credit Agricole du Morbihan (LTS:0AHX) has a Net Margin % of 18.24% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on Credit Agricole du Morbihan and its competitors. This is 34% below median its historical median of 27.84. Over the past decade, Credit Agricole du Morbihan's Net Margin % has ranged from 19.20 to 32.56. According to the industry distribution chart, Credit Agricole du Morbihan ranks #632 out of 1530 companies in the Banks industry, placing it in the top 41.3%.
Is Credit Agricole du Morbihan's Net Margin % too high?
Credit Agricole du Morbihan's current Net Margin % of 18.24% is 34% below median its 10-year median of 27.84. Over the past 10 years, this metric has ranged from a low of 19.20 to a high of 32.56. The Banks industry median Net Margin % is 26.85. Credit Agricole du Morbihan's value of 18.24% is 32.1% below this industry median. Based on the distribution chart, Credit Agricole du Morbihan ranks #632 out of 1530 companies in the Banks industry, which is above the industry midpoint. Overall, Credit Agricole du Morbihan has a GF Score™ of 44/100, reflecting its overall financial health beyond just this single metric.
How does Credit Agricole du Morbihan's Net Margin % compare to competitors?
According to the Banks industry distribution chart, Credit Agricole du Morbihan ranks #632 out of 1530 companies for Net Margin %. This puts Credit Agricole du Morbihan in the upper half of its industry. The industry median Net Margin % is 26.85. Credit Agricole du Morbihan's value of 18.24% is 32.1% below this benchmark. Historically, Credit Agricole du Morbihan's own Net Margin % has ranged from 19.20 to 32.56 over the past decade. While the company's 10-year median is 27.84 vs. the industry median of 26.85, Credit Agricole du Morbihan 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 26.85, based on 1,530 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 du Morbihan's current Net Margin % of 18.24% is 32.1% 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 du Morbihan and its competitors. For the Banks industry, the median Net Margin % is 26.85 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Credit Agricole du Morbihan's current Net Margin % is 18.24%, which is 34% below median its own 10-year median of 27.84. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Credit Agricole du Morbihan stock overvalued right now?
Credit Agricole du Morbihan (LTS:0AHX) has a current Net Margin % of 18.24%. The stock's GF Value™ is €79.86, compared to a current price of €136.98 — trading 71.5% above its estimated fair value. The current Net Margin % is 18.24%, which is 34% below median its 10-year median of 27.84 and 32.1% below the Banks industry median of 26.85. Credit Agricole du Morbihan'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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Credit Agricole du Morbihan (LTS:0AHX), the current Net Margin % is 18.24% 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 du Morbihan (LTS:0AHX) Overvalued in 2026?

Based on GuruFocus' analysis, Credit Agricole du Morbihan stock appears to be overvalued. The current stock price of €136.98 is trading 71.5% above its estimated GF Value™ of €79.86.

Key valuation signals for LTS:0AHX:

  • Net Margin %: 18.24% (34% below median its 10-year median of 27.84)
  • GF Value™: €79.86 vs. price of €136.98 (71.5% above fair value)
  • GF Score™: 44/100 with 2 warning signs
  • Industry Position: 32.1% below the Banks median (#632 of 1530)

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


Credit Agricole du Morbihan Business Description

Other Exchanges CMO:France
Address Avenue de Keranguen, Vannes, FRA, 56000
Credit Agricole du Morbihan is a France-based company engaged in providing financial and insurance products and services to such customers as individuals, farmers, professionals, businesses and local communities.
44GF Score

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

€136.98
Price
€79.86
GF Value