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Crcam Loire Haute LoireLTS:0ITP 38 Pretax Margin % is 8.70% as of Dec. 2025, which is 70% below its 10-year median of 29.31. GuruFocus rates LTS:0ITP with a GF Score™ of 38/100 and a GF Value™ of €64.20 (Significantly Overvalued). The stock has 1 warning sign investors should review. Among 1,522 Banks companies, Crcam Loire Haute Loire ranks worse than 82.52% on this metric.
The pretax margin, as know as pretax profit margin, is widely used to measure the operating efficiency of a company before deducting taxes.
The pretax margin is sometimes preferred over the net margin as tax expenditures can make profitability comparisons between companies misleading.
It is a useful tool to compare companies operating in the same sector and less effective when comparing companies from other sectors as each industry generally has different operating expenses and sales patterns.
The long term trend of the pretax margin is a good indicator of the competitiveness and health of the business.
Crcam Loire Haute Loire Pretax Margin % Related Terms
Crcam Loire Haute Loire Pretax 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.
For the Banks - Regional subindustry, Crcam Loire Haute Loire's Pretax Margin %, along with its competitors' market caps and Pretax 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 Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Crcam Loire Haute Loire's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Crcam Loire Haute Loire's Pretax 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 (LTS:0ITP) has a Pretax Margin % of 8.70% as of Dec. 2025. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Crcam Loire Haute Loire and its competitors. This is 70% below median its historical median of 29.31. Over the past decade, Crcam Loire Haute Loire's Pretax Margin % has ranged from 18.84 to 35.53. According to the industry distribution chart, Crcam Loire Haute Loire ranks #1256 out of 1522 companies in the Banks industry, placing it in the top 82.5%.
Is Crcam Loire Haute Loire's Pretax Margin % too high?
Crcam Loire Haute Loire's current Pretax Margin % of 8.70% is 70% below median its 10-year median of 29.31. Over the past 10 years, this metric has ranged from a low of 18.84 to a high of 35.53. The Banks industry median Pretax Margin % is 34.98. Crcam Loire Haute Loire's value of 8.70% is 75.1% below this industry median. Based on the distribution chart, Crcam Loire Haute Loire ranks #1256 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 38/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Crcam Loire Haute Loire's Pretax Margin % compare to competitors?
According to the Banks industry distribution chart, Crcam Loire Haute Loire ranks #1256 out of 1522 companies for Pretax Margin %. This places Crcam Loire Haute Loire in the lower half of its industry. The industry median Pretax Margin % is 34.98. Crcam Loire Haute Loire's value of 8.70% is 75.1% below this benchmark. Historically, Crcam Loire Haute Loire's own Pretax Margin % has ranged from 18.84 to 35.53 over the past decade. While the company's 10-year median is 29.31 vs. the industry median of 34.98, 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 Pretax Margin % for a Banks company?
The median Pretax Margin % among Banks companies is 34.98, based on 1,522 companies in the industry. Companies in the top quartile (top 25%) have a Pretax Margin % significantly above this median, while those in the bottom quartile fall well below. However, Pretax Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Crcam Loire Haute Loire's current Pretax Margin % of 8.70% is 75.1% 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 Pretax Margin % mean?
A high Pretax Margin % can signal that a stock is expensive relative to its fundamentals. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Crcam Loire Haute Loire and its competitors. For the Banks industry, the median Pretax Margin % is 34.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Crcam Loire Haute Loire's current Pretax Margin % is 8.70%, which is 70% below median its own 10-year median of 29.31. 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 (LTS:0ITP) is currently considered Significantly Overvalued. The stock's GF Value™ is €64.20, compared to a current price of €101.00 — trading 57.3% above its estimated fair value. The current Pretax Margin % is 8.70%, which is 70% below median its 10-year median of 29.31 and 75.1% below the Banks industry median of 34.98. Crcam Loire Haute Loire'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 Pretax Margin % calculated?
Pretax Margin % is calculated from a company's financial statements. For Crcam Loire Haute Loire (LTS:0ITP), the current Pretax Margin % is 8.70% 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 (LTS:0ITP) Overvalued in 2026?
Based on GuruFocus' analysis, Crcam Loire Haute Loire stock appears to be overvalued.
The current stock price of €101.00 is trading 57.3% above its estimated GF Value™ of €64.20.
GuruFocus considers Crcam Loire Haute Loire to be Significantly Overvalued.
Key valuation signals for LTS:0ITP:
Pretax Margin %: 8.70% (70% below median its 10-year median of 29.31)
GF Value™: €64.20 vs. price of €101.00 (57.3% above fair value)
Industry Position: 75.1% below the Banks median (#1256 of 1522)
No single metric tells the full story. See the LTS:0ITP 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.
38GF Score
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