Credit AgricoleCHIX:ACAP -0.48%70 Return-on-Tangible-Asset is 0.28% as of Mar. 2026, which is 3% below its 10-year median of 0.29. GuruFocus rates CHIX:ACAP with a GF Score™ of 70/100 and a GF Value™ of €16.11 (Fairly Valued). The stock has 6 warning signs investors should review. Among 1,530 Banks companies, Credit Agricole ranks worse than 86.34% on this metric.
Return-on-Tangible-Asset is calculated as Net Income divided by its average total tangible assets. Total tangible assets equals to Total Assets minus Intangible Assets. Credit Agricole's annualizedNet Income for the quarter that ended in Mar. 2026 was €6,704 Mil. Credit Agricole's average total tangible assets for the quarter that ended in Mar. 2026 was €2,375,393 Mil. Therefore, Credit Agricole's annualized Return-on-Tangible-Asset for the quarter that ended in Mar. 2026 was 0.28%.
The historical rank and industry rank for Credit Agricole's Return-on-Tangible-Asset or its related term are showing as below:
CHIX:ACAp'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: 0.15 Med: 0.29 Max: 0.32
Current: 0.31
During the past 13 years, Credit Agricole's highest Return-on-Tangible-Asset was 0.32%. The lowest was 0.15%. And the median was 0.29%.
CHIX:ACAp's Return-on-Tangible-Asset is ranked worse than 86.34% of 1530
companies
in the Banks industry
Industry Median: 0.99
vs CHIX:ACAp: 0.31
Return-on-Tangible-Asset measures the rate of return on the average total tangible assets (total assets minus intangible assets). Tangible means physical in nature. Intangible Assets are assets that are not physical in nature, and typically "derive their value from legal or intellectual rights." Return-on-Tangible-Asset measures a firm's efficiency at generating profits from its tangible assets. It shows how well a company uses what it has to generate earnings. Return-on-Tangible-Assets can vary drastically across industries. Therefore, Return-on-Tangible-Asset should not be used to compare companies in different industries.
Be Aware
Like ROE and ROA, Return-on-Tangible-Asset is calculated with only 12 months data. Fluctuations in the companys earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. Return-on-Tangible-Asset can be affected by events such as stock buyback or issuance, and by a companys tax rate and its interest payment. Return-on-Tangible-Asset may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high Return-on-Tangible-Asset may indicate vulnerability in the durability of the competitive advantage.
Credit Agricole Return-on-Tangible-Asset Related Terms
Credit Agricole Return-on-Tangible-Asset Historical Data
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The historical data trend for Credit Agricole's Return-on-Tangible-Asset 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.
For the Banks - Regional subindustry, Credit Agricole's Return-on-Tangible-Asset, along with its competitors' market caps and Return-on-Tangible-Asset 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 Return-on-Tangible-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Credit Agricole's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Credit Agricole's Return-on-Tangible-Asset 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.
In the calculation of annual Return-on-Tangible-Asset, the net income of the last fiscal year and the average total tangible assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Mar. 2026) net income data.
What does a Return-on-Tangible-Asset of 0.28% mean?
Credit Agricole (CHIX:ACAP) has a Return-on-Tangible-Asset of 0.28% as of Mar. 2026. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Credit Agricole and its competitors. This is near median its historical median of 0.29. Over the past decade, Credit Agricole's Return-on-Tangible-Asset has ranged from 0.15 to 0.32. According to the industry distribution chart, Credit Agricole ranks #1321 out of 1530 companies in the Banks industry, placing it in the top 86.3%.
Is Credit Agricole's Return-on-Tangible-Asset too high?
Credit Agricole's current Return-on-Tangible-Asset of 0.28% is near median its 10-year median of 0.29. Over the past 10 years, this metric has ranged from a low of 0.15 to a high of 0.32. The Banks industry median Return-on-Tangible-Asset is 0.99. Credit Agricole's value of 0.28% is 71.7% below this industry median. Based on the distribution chart, Credit Agricole ranks #1321 out of 1530 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Credit Agricole has a GF Score™ of 70/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Credit Agricole's Return-on-Tangible-Asset compare to competitors?
According to the Banks industry distribution chart, Credit Agricole ranks #1321 out of 1530 companies for Return-on-Tangible-Asset. This places Credit Agricole in the lower half of its industry. The industry median Return-on-Tangible-Asset is 0.99. Credit Agricole's value of 0.28% is 71.7% below this benchmark. Historically, Credit Agricole's own Return-on-Tangible-Asset has ranged from 0.15 to 0.32 over the past decade. While the company's 10-year median is 0.29 vs. the industry median of 0.99, Credit Agricole 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 Return-on-Tangible-Asset for a Banks company?
The median Return-on-Tangible-Asset among Banks companies is 0.99, based on 1,530 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Asset significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Credit Agricole's current Return-on-Tangible-Asset of 0.28% is 71.7% 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 Return-on-Tangible-Asset mean?
A high Return-on-Tangible-Asset can signal that a stock is expensive relative to its fundamentals. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Credit Agricole and its competitors. For the Banks industry, the median Return-on-Tangible-Asset is 0.99 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Credit Agricole's current Return-on-Tangible-Asset is 0.28%, which is near median its own 10-year median of 0.29. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Credit Agricole stock overvalued right now?
Based on GuruFocus' analysis, Credit Agricole (CHIX:ACAP) is currently considered Fairly Valued. The stock's GF Value™ is €16.11, compared to a current price of €17.67 — trading 9.7% above its estimated fair value. The current Return-on-Tangible-Asset is 0.28%, which is near median its 10-year median of 0.29 and 71.7% below the Banks industry median of 0.99. Credit Agricole's overall GF Score™ is 70/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Return-on-Tangible-Asset calculated?
Return-on-Tangible-Asset is calculated from a company's financial statements. For Credit Agricole (CHIX:ACAP), the current Return-on-Tangible-Asset is 0.28% as of Mar. 2026. 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 (CHIX:ACAP) Overvalued in 2026?
Based on GuruFocus' analysis, Credit Agricole stock appears to be overvalued.
The current stock price of €17.67 is trading 9.7% above its estimated GF Value™ of €16.11.
GuruFocus considers Credit Agricole to be Fairly Valued.
Key valuation signals for CHIX:ACAP:
Return-on-Tangible-Asset: 0.28% (near median its 10-year median of 0.29)
GF Value™: €16.11 vs. price of €17.67 (9.7% above fair value)
Industry Position: 71.7% below the Banks median (#1321 of 1530)
No single metric tells the full story. See the CHIX:ACAP stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Credit Agricole S.A. is majority-owned by a group of 39 mutually owned, regional French banks, and together, they form the Credit Agricole Group, the largest cooperative bank globally. Credit Agricole S.A. houses all of Credit Agricole Group's activities, excluding the core French retail and commercial banking operations and including corporate and investment banking, its insurance operations, its international operations, notably in Italy, LCL, a separately branded French retail bank, and Credit Agricole S.A.'s majority interest in individually listed asset manager Amundi. Credit Agricole S.A. also acts as the central bank for the group.
70GF Score
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