The historical rank and industry rank for Credit Agricole Atlantique Vendee's Net Margin % or its related term are showing as below:
XPAR:CRAV'
s Net Margin % Range Over the Past 10 Years
Min: 13.91 Med: 25.04 Max: 28.58
Current: 19.78
XPAR:CRAV's Net Margin % is ranked worse than 71.19% of 1527
companies
in the Banks industry
Industry Median: 26.95
vs XPAR:CRAV: 19.78
Credit Agricole Atlantique Vendee (XPAR:CRAV) 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 Atlantique Vendee Net Margin % Related Terms
Credit Agricole Atlantique Vendee 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.
Credit Agricole Atlantique Vendee Net Margin % Chart
Credit Agricole Atlantique Vendee Net Margin % Competitor Comparison
For the Banks - Regional subindustry, Credit Agricole Atlantique Vendee'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 Atlantique Vendee Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Credit Agricole Atlantique Vendee's Net Margin % distribution charts can be found below:
* The bar in red indicates where Credit Agricole Atlantique Vendee'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 Atlantique Vendee (XPAR:CRAV) has a Net Margin % of 11.32% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on Credit Agricole Atlantique Vendee and its competitors. This is 55% below median its historical median of 25.04. Over the past decade, Credit Agricole Atlantique Vendee's Net Margin % has ranged from 13.91 to 28.58. According to the industry distribution chart, Credit Agricole Atlantique Vendee ranks #1087 out of 1527 companies in the Banks industry, placing it in the top 71.2%.
Is Credit Agricole Atlantique Vendee's Net Margin % too high?
Credit Agricole Atlantique Vendee's current Net Margin % of 11.32% is 55% below median its 10-year median of 25.04. Over the past 10 years, this metric has ranged from a low of 13.91 to a high of 28.58. The Banks industry median Net Margin % is 26.95. Credit Agricole Atlantique Vendee's value of 11.32% is 58% below this industry median. Based on the distribution chart, Credit Agricole Atlantique Vendee ranks #1087 out of 1527 companies in the Banks industry, which is below the industry midpoint. Overall, Credit Agricole Atlantique Vendee has a GF Score™ of 37/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Credit Agricole Atlantique Vendee's Net Margin % compare to competitors?
According to the Banks industry distribution chart, Credit Agricole Atlantique Vendee ranks #1087 out of 1527 companies for Net Margin %. This places Credit Agricole Atlantique Vendee in the lower half of its industry. The industry median Net Margin % is 26.95. Credit Agricole Atlantique Vendee's value of 11.32% is 58% below this benchmark. Historically, Credit Agricole Atlantique Vendee's own Net Margin % has ranged from 13.91 to 28.58 over the past decade. While the company's 10-year median is 25.04 vs. the industry median of 26.95, Credit Agricole Atlantique Vendee 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. Credit Agricole Atlantique Vendee's current Net Margin % of 11.32% is 58% 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 Atlantique Vendee 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. Credit Agricole Atlantique Vendee's current Net Margin % is 11.32%, which is 55% below median its own 10-year median of 25.04. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Credit Agricole Atlantique Vendee stock overvalued right now?
Based on GuruFocus' analysis, Credit Agricole Atlantique Vendee (XPAR:CRAV) is currently considered Significantly Overvalued. The stock's GF Value™ is €89.73, compared to a current price of €152.72 — trading 70.2% above its estimated fair value. The current Net Margin % is 11.32%, which is 55% below median its 10-year median of 25.04 and 58% below the Banks industry median of 26.95. Credit Agricole Atlantique Vendee's overall GF Score™ is 37/100 with 3 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 Atlantique Vendee (XPAR:CRAV), the current Net Margin % is 11.32% 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 Atlantique Vendee (XPAR:CRAV) Overvalued in 2026?
Based on GuruFocus' analysis, Credit Agricole Atlantique Vendee stock appears to be overvalued.
The current stock price of €152.72 is trading 70.2% above its estimated GF Value™ of €89.73.
GuruFocus considers Credit Agricole Atlantique Vendee to be Significantly Overvalued.
Key valuation signals for XPAR:CRAV:
Net Margin %: 11.32% (55% below median its 10-year median of 25.04)
GF Value™: €89.73 vs. price of €152.72 (70.2% above fair value)
Industry Position: 58% below the Banks median (#1087 of 1527)
No single metric tells the full story. See the XPAR:CRAV stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Credit Agricole Atlantique Vendee Business Description
Credit Agricole Atlantique Vendee is a regional bank belonging to the Credit Agricole Group. It is engaged in providing banking and insurance solutions in France. It offers its services to individuals, professionals, farmers and companies.
37GF Score
Get the complete analysis for XPAR:CRAV
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