Credit Agricole Alpes Provence (XPAR:CRAP) OCF Margin %: 13.18% (As of Dec. 2025) — 75% Below Median

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

XPAR:CRAP Credit Agricole Alpes Provence XPAR:CRAP
44 GF Score
Price €143.50
GF Value €80.96
Valuation Significantly Overvalued
! 2 Warning Signs
View Full Analysis

What is Credit Agricole Alpes Provence OCF Margin %?

Credit Agricole Alpes Provence XPAR:CRAP 44 OCF Margin % is 13.18% as of Dec. 2025, which is 75% below its 10-year median of 51.88. GuruFocus rates XPAR:CRAP with a GF Score™ of 44/100 and a GF Value™ of €80.96 (Significantly Overvalued). The stock has 2 warning signs investors should review. Among 1,498 Banks companies, Credit Agricole Alpes Provence ranks worse than 91.12% on this metric.

OCF Margin % is calculated as Cash Flow from Operations divided by its Revenue. Credit Agricole Alpes Provence's Cash Flow from Operations for the six months ended in Dec. 2025 was €24.6 Mil. Credit Agricole Alpes Provence's Revenue for the six months ended in Dec. 2025 was €186.4 Mil. Therefore, Credit Agricole Alpes Provence's OCF Margin % for the quarter that ended in Dec. 2025 was 13.18%.

As of today, Credit Agricole Alpes Provence's current OCF Yield % is -35.30%.

The historical rank and industry rank for Credit Agricole Alpes Provence's OCF Margin % or its related term are showing as below:

XPAR:CRAP' s OCF Margin % Range Over the Past 10 Years
Min: -244.03   Med: 51.88   Max: 353.28
Current: -85.09


During the past 13 years, the highest OCF Margin % of Credit Agricole Alpes Provence was 353.28%. The lowest was -244.03%. And the median was 51.88%.

XPAR:CRAP's OCF Margin % is ranked worse than
91.12% of 1498 companies
in the Banks industry
Industry Median: 29 vs XPAR:CRAP: -85.09


Credit Agricole Alpes Provence OCF Margin % Related Terms


Credit Agricole Alpes Provence OCF Margin % Historical Data

* Premium members only.

The historical data trend for Credit Agricole Alpes Provence's OCF 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.

Credit Agricole Alpes Provence OCF Margin % Chart

Credit Agricole Alpes Provence Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
OCF Margin %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 168.73 -244.03 -146.50 48.61 -85.09

Credit Agricole Alpes Provence Semi-Annual Data
Jun16 Dec16 Jun17 Dec17 Jun18 Dec18 Jun19 Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25
OCF Margin % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only -253.97 43.85 54.18 -156.58 13.18

Credit Agricole Alpes Provence OCF Margin % Competitor Comparison

For the Banks - Regional subindustry, Credit Agricole Alpes Provence's OCF Margin %, along with its competitors' market caps and OCF 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 Alpes Provence OCF Margin % vs Banks Industry

For the Banks industry and Financial Services sector, Credit Agricole Alpes Provence's OCF Margin % distribution charts can be found below:

* The bar in red indicates where Credit Agricole Alpes Provence's OCF Margin % falls into.


XPAR:CRAP
44GF Score
Credit Agricole Alpes Provence XPAR:CRAP
OCF Margin % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Credit Agricole Alpes Provence OCF Margin % Calculation

OCF Margin % is the ratio of Cash Flow from Operations divided by net sales or Revenue, usually presented in percent.

Credit Agricole Alpes Provence's OCF Margin for the fiscal year that ended in Dec. 2025 is calculated as

OCF Margin=Cash Flow from Operations (A: Dec. 2025 )/Revenue (A: Dec. 2025 )
=-376.703/442.711
=-85.09 %

Credit Agricole Alpes Provence's OCF Margin for the quarter that ended in Dec. 2025 is calculated as

OCF Margin=Cash Flow from Operations (Q: Dec. 2025 )/Revenue (Q: Dec. 2025 )
=24.565/186.44
=13.18 %

* 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.

Frequently Asked Questions Learn more about OCF Margin % →
What does a OCF Margin % of 13.18% mean?
Credit Agricole Alpes Provence (XPAR:CRAP) has a OCF Margin % of 13.18% as of Dec. 2025. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Credit Agricole Alpes Provence and its competitors. This is 75% below median its historical median of 51.88. According to the industry distribution chart, Credit Agricole Alpes Provence ranks #1365 out of 1498 companies in the Banks industry, placing it in the top 91.1%.
Is Credit Agricole Alpes Provence's OCF Margin % too high?
Credit Agricole Alpes Provence's current OCF Margin % of 13.18% is 75% below median its 10-year median of 51.88. The Banks industry median OCF Margin % is 29.00. Credit Agricole Alpes Provence's value of 13.18% is 54.6% below this industry median. Based on the distribution chart, Credit Agricole Alpes Provence ranks #1365 out of 1498 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Credit Agricole Alpes Provence has a GF Score™ of 44/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Credit Agricole Alpes Provence's OCF Margin % compare to competitors?
According to the Banks industry distribution chart, Credit Agricole Alpes Provence ranks #1365 out of 1498 companies for OCF Margin %. This places Credit Agricole Alpes Provence in the lower half of its industry. The industry median OCF Margin % is 29.00. Credit Agricole Alpes Provence's value of 13.18% is 54.6% below this benchmark. While the company's 10-year median is 51.88 vs. the industry median of 29.00, Credit Agricole Alpes Provence 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 OCF Margin % for a Banks company?
The median OCF Margin % among Banks companies is 29.00, based on 1,498 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Credit Agricole Alpes Provence's current OCF Margin % of 13.18% is 54.6% 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Credit Agricole Alpes Provence and its competitors. For the Banks industry, the median OCF Margin % is 29.00 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Credit Agricole Alpes Provence's current OCF Margin % is 13.18%, which is 75% below median its own 10-year median of 51.88. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Credit Agricole Alpes Provence stock overvalued right now?
Based on GuruFocus' analysis, Credit Agricole Alpes Provence (XPAR:CRAP) is currently considered Significantly Overvalued. The stock's GF Value™ is €80.96, compared to a current price of €143.50 — trading 77.2% above its estimated fair value. The current OCF Margin % is 13.18%, which is 75% below median its 10-year median of 51.88 and 54.6% below the Banks industry median of 29.00. Credit Agricole Alpes Provence's overall GF Score™ is 44/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For Credit Agricole Alpes Provence (XPAR:CRAP), the current OCF Margin % is 13.18% 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 Alpes Provence (XPAR:CRAP) Overvalued in 2026?

Based on GuruFocus' analysis, Credit Agricole Alpes Provence stock appears to be overvalued. The current stock price of €143.50 is trading 77.2% above its estimated GF Value™ of €80.96. GuruFocus considers Credit Agricole Alpes Provence to be Significantly Overvalued.

Key valuation signals for XPAR:CRAP:

  • OCF Margin %: 13.18% (75% below median its 10-year median of 51.88)
  • GF Value™: €80.96 vs. price of €143.50 (77.2% above fair value)
  • GF Score™: 44/100 with 2 warning signs
  • Industry Position: 54.6% below the Banks median (#1365 of 1498)

No single metric tells the full story. See the XPAR:CRAP stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Credit Agricole Alpes Provence Business Description

Other Exchanges 8U40:Germany
Address 25 Chemin des Trois Cypres, Aix-en-Provence, FRA, 13097
Credit Agricole Alpes Provence is engaged in providing banking and financial services in France. It offers services to farmers, individuals and companies. It also offers insurance services such as life insurance and auto insurance.
44GF Score

Get the complete analysis for XPAR:CRAP

OCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€143.50
Price
€80.96
GF Value