Crcam Ille Et VilaineXPAR:CIV -2.67%48 Net Margin % is 12.40% as of Dec. 2025, which is 50% below its 10-year median of 24.58. 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 1,527 Banks companies, Crcam Ille Et Vilaine ranks worse than 57.43% on this metric.
The historical rank and industry rank for Crcam Ille Et Vilaine's Net Margin % or its related term are showing as below:
XPAR:CIV'
s Net Margin % Range Over the Past 10 Years
Min: 10.08 Med: 24.58 Max: 25.91
Current: 24.48
XPAR:CIV's Net Margin % is ranked worse than 57.43% of 1527
companies
in the Banks industry
Industry Median: 26.95
vs XPAR:CIV: 24.48
Crcam Ille Et Vilaine (XPAR:CIV) 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.
Crcam Ille Et Vilaine Net Margin % Related Terms
Crcam Ille Et Vilaine Net Margin % Historical Data
* Premium members only.
The historical data trend for Crcam Ille Et Vilaine'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.
Crcam Ille Et Vilaine Net Margin % Competitor Comparison
For the Banks - Regional subindustry, Crcam Ille Et Vilaine'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.
Crcam Ille Et Vilaine Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Crcam Ille Et Vilaine's Net Margin % distribution charts can be found below:
* The bar in red indicates where Crcam Ille Et Vilaine'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.
Crcam Ille Et Vilaine (XPAR:CIV) has a Net Margin % of 12.40% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on Crcam Ille Et Vilaine and its competitors. This is 50% below median its historical median of 24.58. Over the past decade, Crcam Ille Et Vilaine's Net Margin % has ranged from 10.08 to 25.91. According to the industry distribution chart, Crcam Ille Et Vilaine ranks #877 out of 1527 companies in the Banks industry, placing it in the top 57.4%.
Is Crcam Ille Et Vilaine's Net Margin % too high?
Crcam Ille Et Vilaine's current Net Margin % of 12.40% is 50% below median its 10-year median of 24.58. Over the past 10 years, this metric has ranged from a low of 10.08 to a high of 25.91. The Banks industry median Net Margin % is 26.95. Crcam Ille Et Vilaine's value of 12.40% is 54% below this industry median. Based on the distribution chart, Crcam Ille Et Vilaine ranks #877 out of 1527 companies in the Banks industry, which is below the industry midpoint. 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 Net Margin % compare to competitors?
According to the Banks industry distribution chart, Crcam Ille Et Vilaine ranks #877 out of 1527 companies for Net Margin %. This places Crcam Ille Et Vilaine in the lower half of its industry. The industry median Net Margin % is 26.95. Crcam Ille Et Vilaine's value of 12.40% is 54% below this benchmark. Historically, Crcam Ille Et Vilaine's own Net Margin % has ranged from 10.08 to 25.91 over the past decade. While the company's 10-year median is 24.58 vs. the industry median of 26.95, Crcam Ille Et Vilaine 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 26.95, based on 1,527 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. Crcam Ille Et Vilaine's current Net Margin % of 12.40% is 54% 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 Crcam Ille Et Vilaine and its competitors. For the Banks industry, the median Net Margin % is 26.95 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Crcam Ille Et Vilaine's current Net Margin % is 12.40%, which is 50% below median its own 10-year median of 24.58. 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 Net Margin % is 12.40%, which is 50% below median its 10-year median of 24.58 and 54% below the Banks industry median of 26.95. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Crcam Ille Et Vilaine (XPAR:CIV), the current Net Margin % is 12.40% 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:
Net Margin %: 12.40% (50% below median its 10-year median of 24.58)
GF Value™: €63.02 vs. price of €127.50 (102.3% above fair value)
Industry Position: 54% below the Banks median (#877 of 1527)
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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