CA Toulouse 31 CCIXPAR:CAT31 -4.32%38 Net Margin % is 19.61% as of Dec. 2025, which is 21% below its 10-year median of 24.74. GuruFocus rates XPAR:CAT31 with a GF Score™ of 38/100 and a GF Value™ of €76.03 (Significantly Overvalued). The stock has 1 warning sign investors should review. Among 1,525 Banks companies, CA Toulouse 31 CCI ranks worse than 55.34% on this metric.
The historical rank and industry rank for CA Toulouse 31 CCI's Net Margin % or its related term are showing as below:
XPAR:CAT31'
s Net Margin % Range Over the Past 10 Years
Min: 14.77 Med: 24.74 Max: 26.72
Current: 25.14
XPAR:CAT31's Net Margin % is ranked worse than 55.34% of 1525
companies
in the Banks industry
Industry Median: 26.87
vs XPAR:CAT31: 25.14
CA Toulouse 31 CCI (XPAR:CAT31) 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.
CA Toulouse 31 CCI Net Margin % Related Terms
CA Toulouse 31 CCI Net Margin % Historical Data
* Premium members only.
The historical data trend for CA Toulouse 31 CCI'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.
CA Toulouse 31 CCI Net Margin % Competitor Comparison
For the Banks - Regional subindustry, CA Toulouse 31 CCI'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.
CA Toulouse 31 CCI Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, CA Toulouse 31 CCI's Net Margin % distribution charts can be found below:
* The bar in red indicates where CA Toulouse 31 CCI'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.
CA Toulouse 31 CCI (XPAR:CAT31) has a Net Margin % of 19.61% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on CA Toulouse 31 CCI and its competitors. This is 21% below median its historical median of 24.74. Over the past decade, CA Toulouse 31 CCI's Net Margin % has ranged from 14.77 to 26.72. According to the industry distribution chart, CA Toulouse 31 CCI ranks #844 out of 1525 companies in the Banks industry, placing it in the top 55.3%.
Is CA Toulouse 31 CCI's Net Margin % too high?
CA Toulouse 31 CCI's current Net Margin % of 19.61% is 21% below median its 10-year median of 24.74. Over the past 10 years, this metric has ranged from a low of 14.77 to a high of 26.72. The Banks industry median Net Margin % is 26.87. CA Toulouse 31 CCI's value of 19.61% is 27% below this industry median. Based on the distribution chart, CA Toulouse 31 CCI ranks #844 out of 1525 companies in the Banks industry, which is below the industry midpoint. Overall, CA Toulouse 31 CCI has a GF Score™ of 38/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does CA Toulouse 31 CCI's Net Margin % compare to competitors?
According to the Banks industry distribution chart, CA Toulouse 31 CCI ranks #844 out of 1525 companies for Net Margin %. This places CA Toulouse 31 CCI in the lower half of its industry. The industry median Net Margin % is 26.87. CA Toulouse 31 CCI's value of 19.61% is 27% below this benchmark. Historically, CA Toulouse 31 CCI's own Net Margin % has ranged from 14.77 to 26.72 over the past decade. While the company's 10-year median is 24.74 vs. the industry median of 26.87, CA Toulouse 31 CCI 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 26.87, based on 1,525 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. CA Toulouse 31 CCI's current Net Margin % of 19.61% is 27% 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 CA Toulouse 31 CCI and its competitors. For the Banks industry, the median Net Margin % is 26.87 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. CA Toulouse 31 CCI's current Net Margin % is 19.61%, which is 21% below median its own 10-year median of 24.74. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is CA Toulouse 31 CCI stock overvalued right now?
Based on GuruFocus' analysis, CA Toulouse 31 CCI (XPAR:CAT31) is currently considered Significantly Overvalued. The stock's GF Value™ is €76.03, compared to a current price of €128.00 — trading 68.4% above its estimated fair value. The current Net Margin % is 19.61%, which is 21% below median its 10-year median of 24.74 and 27% below the Banks industry median of 26.87. CA Toulouse 31 CCI's overall GF Score™ is 38/100 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 CA Toulouse 31 CCI (XPAR:CAT31), the current Net Margin % is 19.61% 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 CA Toulouse 31 CCI (XPAR:CAT31) Overvalued in 2026?
Based on GuruFocus' analysis, CA Toulouse 31 CCI stock appears to be overvalued.
The current stock price of €128.00 is trading 68.4% above its estimated GF Value™ of €76.03.
GuruFocus considers CA Toulouse 31 CCI to be Significantly Overvalued.
Key valuation signals for XPAR:CAT31:
Net Margin %: 19.61% (21% below median its 10-year median of 24.74)
GF Value™: €76.03 vs. price of €128.00 (68.4% above fair value)
Industry Position: 27% below the Banks median (#844 of 1525)
No single metric tells the full story. See the XPAR:CAT31 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
CA Toulouse 31 CCI is engaged in providing banking services in France. It provides remote banking, factoring services, leasing services, insurance services. It offers its services to individuals, professionals, farmers and companies. It offers services to Individuals, Professionals, Farmers, Companies and Public Collectivities and Associations.
38GF Score
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