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Crcam Loire Haute LoireXPAR:CRLO -0.91%55 Net Margin % is 7.04% as of Dec. 2025, which is 69% below its 10-year median of 22.40. GuruFocus rates XPAR:CRLO with a GF Score™ of 55/100 and a GF Value™ of €62.52 (Significantly Overvalued). The stock has 1 warning sign investors should review. Among 1,522 Banks companies, Crcam Loire Haute Loire ranks worse than 79.37% on this metric.
The historical rank and industry rank for Crcam Loire Haute Loire's Net Margin % or its related term are showing as below:
XPAR:CRLO'
s Net Margin % Range Over the Past 10 Years
Min: 16.39 Med: 22.4 Max: 25.73
Current: 16.39
XPAR:CRLO's Net Margin % is ranked worse than 79.37% of 1522
companies
in the Banks industry
Industry Median: 27.055
vs XPAR:CRLO: 16.39
Crcam Loire Haute Loire (XPAR:CRLO) 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 Loire Haute Loire Net Margin % Related Terms
Crcam Loire Haute Loire 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.
Crcam Loire Haute Loire Net Margin % Competitor Comparison
For the Banks - Regional subindustry, Crcam Loire Haute Loire'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 Loire Haute Loire Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Crcam Loire Haute Loire's Net Margin % distribution charts can be found below:
* The bar in red indicates where Crcam Loire Haute Loire'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 Loire Haute Loire (XPAR:CRLO) has a Net Margin % of 7.04% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on Crcam Loire Haute Loire and its competitors. This is 69% below median its historical median of 22.40. Over the past decade, Crcam Loire Haute Loire's Net Margin % has ranged from 16.39 to 25.73. According to the industry distribution chart, Crcam Loire Haute Loire ranks #1208 out of 1522 companies in the Banks industry, placing it in the top 79.4%.
Is Crcam Loire Haute Loire's Net Margin % too high?
Crcam Loire Haute Loire's current Net Margin % of 7.04% is 69% below median its 10-year median of 22.40. Over the past 10 years, this metric has ranged from a low of 16.39 to a high of 25.73. The Banks industry median Net Margin % is 27.06. Crcam Loire Haute Loire's value of 7.04% is 74% below this industry median. Based on the distribution chart, Crcam Loire Haute Loire ranks #1208 out of 1522 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Crcam Loire Haute Loire has a GF Score™ of 55/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Crcam Loire Haute Loire's Net Margin % compare to competitors?
According to the Banks industry distribution chart, Crcam Loire Haute Loire ranks #1208 out of 1522 companies for Net Margin %. This places Crcam Loire Haute Loire in the lower half of its industry. The industry median Net Margin % is 27.06. Crcam Loire Haute Loire's value of 7.04% is 74% below this benchmark. Historically, Crcam Loire Haute Loire's own Net Margin % has ranged from 16.39 to 25.73 over the past decade. While the company's 10-year median is 22.40 vs. the industry median of 27.06, Crcam Loire Haute Loire 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. Crcam Loire Haute Loire's current Net Margin % of 7.04% is 74% 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 Loire Haute Loire 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. Crcam Loire Haute Loire's current Net Margin % is 7.04%, which is 69% below median its own 10-year median of 22.40. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Crcam Loire Haute Loire stock overvalued right now?
Based on GuruFocus' analysis, Crcam Loire Haute Loire (XPAR:CRLO) is currently considered Significantly Overvalued. The stock's GF Value™ is €62.52, compared to a current price of €97.60 — trading 56.1% above its estimated fair value. The current Net Margin % is 7.04%, which is 69% below median its 10-year median of 22.40 and 74% below the Banks industry median of 27.06. Crcam Loire Haute Loire's overall GF Score™ is 55/100 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 Crcam Loire Haute Loire (XPAR:CRLO), the current Net Margin % is 7.04% 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 Loire Haute Loire (XPAR:CRLO) Overvalued in 2026?
Based on GuruFocus' analysis, Crcam Loire Haute Loire stock appears to be overvalued.
The current stock price of €97.60 is trading 56.1% above its estimated GF Value™ of €62.52.
GuruFocus considers Crcam Loire Haute Loire to be Significantly Overvalued.
Key valuation signals for XPAR:CRLO:
Net Margin %: 7.04% (69% below median its 10-year median of 22.40)
GF Value™: €62.52 vs. price of €97.60 (56.1% above fair value)
Industry Position: 74% below the Banks median (#1208 of 1522)
No single metric tells the full story. See the XPAR:CRLO stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Crcam Loire Haute Loire is a regional bank belonging to the Credit Agricole Group. The Bank provides loans and financing to individuals and businesses through local branches in the Loire Region of France.
55GF Score
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