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STU:8FZ0'
s Net Margin % Range Over the Past 10 Years
Min: 27.47 Med: 31.84 Max: 41.66
Current: 31.9
STU:8FZ0's Net Margin % is ranked better than 67.28% of 1522
companies
in the Banks industry
Industry Median: 27.055
vs STU:8FZ0: 31.90
Caisse Regionale du Credit Agricole Mutuel du Languedoc (STU:8FZ0) 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.
Caisse Regionale du Credit Agricole Mutuel du Languedoc Net Margin % Related Terms
Caisse Regionale du Credit Agricole Mutuel du Languedoc Net Margin % Historical Data
* 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.
Caisse Regionale du Credit Agricole Mutuel du Languedoc Net Margin % Chart
Caisse Regionale du Credit Agricole Mutuel du Languedoc Annual Data
* 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.
Caisse Regionale du Credit Agricole Mutuel du Languedoc Net Margin % vs Banks Industry
* 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.
Caisse Regionale du Credit Agricole Mutuel du Languedoc (STU:8FZ0) has a Net Margin % of 24.13% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on Caisse Regionale du Credit Agricole Mutuel du Languedoc and its competitors. This is 24% below median its historical median of 31.84. Over the past decade, Caisse Regionale du Credit Agricole Mutuel du Languedoc's Net Margin % has ranged from 27.47 to 41.66. According to the industry distribution chart, Caisse Regionale du Credit Agricole Mutuel du Languedoc ranks #498 out of 1522 companies in the Banks industry, placing it in the top 32.7%.
Is Caisse Regionale du Credit Agricole Mutuel du Languedoc's Net Margin % too high?
Caisse Regionale du Credit Agricole Mutuel du Languedoc's current Net Margin % of 24.13% is 24% below median its 10-year median of 31.84. Over the past 10 years, this metric has ranged from a low of 27.47 to a high of 41.66. The Banks industry median Net Margin % is 27.06. Caisse Regionale du Credit Agricole Mutuel du Languedoc's value of 24.13% is 10.8% below this industry median. Based on the distribution chart, Caisse Regionale du Credit Agricole Mutuel du Languedoc ranks #498 out of 1522 companies in the Banks industry, which is above the industry midpoint. Overall, Caisse Regionale du Credit Agricole Mutuel du Languedoc has a GF Score™ of 45/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Caisse Regionale du Credit Agricole Mutuel du Languedoc's Net Margin % compare to competitors?
According to the Banks industry distribution chart, Caisse Regionale du Credit Agricole Mutuel du Languedoc ranks #498 out of 1522 companies for Net Margin %. This puts Caisse Regionale du Credit Agricole Mutuel du Languedoc in the upper half of its industry. The industry median Net Margin % is 27.06. Caisse Regionale du Credit Agricole Mutuel du Languedoc's value of 24.13% is 10.8% below this benchmark. Historically, Caisse Regionale du Credit Agricole Mutuel du Languedoc's own Net Margin % has ranged from 27.47 to 41.66 over the past decade. While the company's 10-year median is 31.84 vs. the industry median of 27.06, Caisse Regionale du Credit Agricole Mutuel du Languedoc 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 27.06, based on 1,522 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. Caisse Regionale du Credit Agricole Mutuel du Languedoc's current Net Margin % of 24.13% is 10.8% 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 Caisse Regionale du Credit Agricole Mutuel du Languedoc and its competitors. For the Banks industry, the median Net Margin % is 27.06 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Caisse Regionale du Credit Agricole Mutuel du Languedoc's current Net Margin % is 24.13%, which is 24% below median its own 10-year median of 31.84. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Caisse Regionale du Credit Agricole Mutuel du Languedoc stock overvalued right now?
Based on GuruFocus' analysis, Caisse Regionale du Credit Agricole Mutuel du Languedoc (STU:8FZ0) is currently considered Significantly Overvalued. The stock's GF Value™ is €51.79, compared to a current price of €84.19 — trading 62.6% above its estimated fair value. The current Net Margin % is 24.13%, which is 24% below median its 10-year median of 31.84 and 10.8% below the Banks industry median of 27.06. Caisse Regionale du Credit Agricole Mutuel du Languedoc's overall GF Score™ is 45/100 with 1 warning sign 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 Caisse Regionale du Credit Agricole Mutuel du Languedoc (STU:8FZ0), the current Net Margin % is 24.13% 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 Caisse Regionale du Credit Agricole Mutuel du Languedoc (STU:8FZ0) Overvalued in 2026?
Based on GuruFocus' analysis, Caisse Regionale du Credit Agricole Mutuel du Languedoc stock appears to be overvalued.
The current stock price of €84.19 is trading 62.6% above its estimated GF Value™ of €51.79.
GuruFocus considers Caisse Regionale du Credit Agricole Mutuel du Languedoc to be Significantly Overvalued.
Key valuation signals for STU:8FZ0:
Net Margin %: 24.13% (24% below median its 10-year median of 31.84)
GF Value™: €51.79 vs. price of €84.19 (62.6% above fair value)
Industry Position: 10.8% below the Banks median (#498 of 1522)
No single metric tells the full story. See the STU:8FZ0 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Caisse Regionale du Credit Agricole Mutuel du Languedoc Business Description
Caisse Regionale du Credit Agricole Mutuel du Languedoc is a regional bank in France. The bank provides banking services and products in France. It has a network of approximately 102 banking outlets and 210 branches. The bank's service portfolio consists of real estate credit, consumer credit, saving account, property insurance and insurance of persons. It primarily serves individuals, enterprises, professionals and associations, among others.
45GF Score
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