Crcam Ille Et VilaineXPAR:CIV -4.58%48 Pretax Margin % is 15.06% as of Dec. 2025, which is 50% below its 10-year median of 30.30. GuruFocus rates XPAR:CIV with a GF Score™ of 48/100 and a GF Value™ of €62.99 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,528 Banks companies, Crcam Ille Et Vilaine ranks worse than 71.01% on this metric.
The historical rank and industry rank for Crcam Ille Et Vilaine's Pretax Margin % or its related term are showing as below:
XPAR:CIV'
s Pretax Margin % Range Over the Past 10 Years
Min: 14.97 Med: 30.3 Max: 37.95
Current: 26.35
XPAR:CIV's Pretax Margin % is ranked worse than 71.01% of 1528
companies
in the Banks industry
Industry Median: 34.715
vs XPAR:CIV: 26.35
Crcam Ille Et Vilaine (XPAR:CIV) Pretax Margin % Explanation
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 Ille Et Vilaine Pretax Margin % Related Terms
Crcam Ille Et Vilaine Pretax Margin % Historical Data
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The historical data trend for Crcam Ille Et Vilaine's Pretax 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 Pretax Margin % Competitor Comparison
For the Banks - Regional subindustry, Crcam Ille Et Vilaine'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 Ille Et Vilaine Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Crcam Ille Et Vilaine's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Crcam Ille Et Vilaine'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 Ille Et Vilaine (XPAR:CIV) has a Pretax Margin % of 15.06% as of Dec. 2025. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Crcam Ille Et Vilaine and its competitors. This is 50% below median its historical median of 30.30. Over the past decade, Crcam Ille Et Vilaine's Pretax Margin % has ranged from 14.97 to 37.95. According to the industry distribution chart, Crcam Ille Et Vilaine ranks #1085 out of 1528 companies in the Banks industry, placing it in the top 71%.
Is Crcam Ille Et Vilaine's Pretax Margin % too high?
Crcam Ille Et Vilaine's current Pretax Margin % of 15.06% is 50% below median its 10-year median of 30.30. Over the past 10 years, this metric has ranged from a low of 14.97 to a high of 37.95. The Banks industry median Pretax Margin % is 34.72. Crcam Ille Et Vilaine's value of 15.06% is 56.6% below this industry median. Based on the distribution chart, Crcam Ille Et Vilaine ranks #1085 out of 1528 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 Pretax Margin % compare to competitors?
According to the Banks industry distribution chart, Crcam Ille Et Vilaine ranks #1085 out of 1528 companies for Pretax Margin %. This places Crcam Ille Et Vilaine in the lower half of its industry. The industry median Pretax Margin % is 34.72. Crcam Ille Et Vilaine's value of 15.06% is 56.6% below this benchmark. Historically, Crcam Ille Et Vilaine's own Pretax Margin % has ranged from 14.97 to 37.95 over the past decade. While the company's 10-year median is 30.30 vs. the industry median of 34.72, 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 Pretax Margin % for a Banks company?
The median Pretax Margin % among Banks companies is 34.72, based on 1,528 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 Ille Et Vilaine's current Pretax Margin % of 15.06% is 56.6% 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 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 Ille Et Vilaine and its competitors. For the Banks industry, the median Pretax Margin % is 34.72 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Crcam Ille Et Vilaine's current Pretax Margin % is 15.06%, which is 50% below median its own 10-year median of 30.30. 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 €62.99, compared to a current price of €115.00 — trading 82.6% above its estimated fair value. The current Pretax Margin % is 15.06%, which is 50% below median its 10-year median of 30.30 and 56.6% below the Banks industry median of 34.72. Crcam Ille Et Vilaine's overall GF Score™ is 48/100 with 6 warning signs 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 Ille Et Vilaine (XPAR:CIV), the current Pretax Margin % is 15.06% 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 €115.00 is trading 82.6% above its estimated GF Value™ of €62.99.
GuruFocus considers Crcam Ille Et Vilaine to be Significantly Overvalued.
Key valuation signals for XPAR:CIV:
Pretax Margin %: 15.06% (50% below median its 10-year median of 30.30)
GF Value™: €62.99 vs. price of €115.00 (82.6% above fair value)
Industry Position: 56.6% below the Banks median (#1085 of 1528)
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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