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LTS:0IQP's Return-on-Tangible-Asset is ranked worse than 78.93% of 1528
companies
in the Banks industry
Industry Median: 1
vs LTS:0IQP: 0.49
Credit Agricole de la Touraine et du Poitou (LTS:0IQP) Return-on-Tangible-Asset Explanation
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 de la Touraine et du Poitou Return-on-Tangible-Asset Related Terms
Credit Agricole de la Touraine et du Poitou Return-on-Tangible-Asset 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.
Credit Agricole de la Touraine et du Poitou Return-on-Tangible-Asset Chart
Credit Agricole de la Touraine et du Poitou Annual Data
Credit Agricole de la Touraine et du Poitou Return-on-Tangible-Asset Competitor Comparison
For the Banks - Regional subindustry, Credit Agricole de la Touraine et du Poitou'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 de la Touraine et du Poitou Return-on-Tangible-Asset vs Banks Industry
* 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 two times the semi-annual (Dec. 2025) net income data.
What does a Return-on-Tangible-Asset of 0.21% mean?
Credit Agricole de la Touraine et du Poitou (LTS:0IQP) has a Return-on-Tangible-Asset of 0.21% as of Dec. 2025. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Credit Agricole de la Touraine et du Poitou and its competitors. This is 63% below median its historical median of 0.57. Over the past decade, Credit Agricole de la Touraine et du Poitou's Return-on-Tangible-Asset has ranged from 0.32 to 0.66. According to the industry distribution chart, Credit Agricole de la Touraine et du Poitou ranks #1206 out of 1528 companies in the Banks industry, placing it in the top 78.9%.
Is Credit Agricole de la Touraine et du Poitou's Return-on-Tangible-Asset too high?
Credit Agricole de la Touraine et du Poitou's current Return-on-Tangible-Asset of 0.21% is 63% below median its 10-year median of 0.57. Over the past 10 years, this metric has ranged from a low of 0.32 to a high of 0.66. The Banks industry median Return-on-Tangible-Asset is 1.00. Credit Agricole de la Touraine et du Poitou's value of 0.21% is 79% below this industry median. Based on the distribution chart, Credit Agricole de la Touraine et du Poitou ranks #1206 out of 1528 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Credit Agricole de la Touraine et du Poitou has a GF Score™ of 43/100, reflecting its overall financial health beyond just this single metric.
How does Credit Agricole de la Touraine et du Poitou's Return-on-Tangible-Asset compare to competitors?
According to the Banks industry distribution chart, Credit Agricole de la Touraine et du Poitou ranks #1206 out of 1528 companies for Return-on-Tangible-Asset. This places Credit Agricole de la Touraine et du Poitou in the lower half of its industry. The industry median Return-on-Tangible-Asset is 1.00. Credit Agricole de la Touraine et du Poitou's value of 0.21% is 79% below this benchmark. Historically, Credit Agricole de la Touraine et du Poitou's own Return-on-Tangible-Asset has ranged from 0.32 to 0.66 over the past decade. While the company's 10-year median is 0.57 vs. the industry median of 1.00, Credit Agricole de la Touraine et du Poitou 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 1.00, based on 1,528 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 de la Touraine et du Poitou's current Return-on-Tangible-Asset of 0.21% is 79% 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 de la Touraine et du Poitou and its competitors. For the Banks industry, the median Return-on-Tangible-Asset is 1.00 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Credit Agricole de la Touraine et du Poitou's current Return-on-Tangible-Asset is 0.21%, which is 63% below median its own 10-year median of 0.57. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Credit Agricole de la Touraine et du Poitou stock overvalued right now?
Credit Agricole de la Touraine et du Poitou (LTS:0IQP) has a current Return-on-Tangible-Asset of 0.21%. The stock's GF Value™ is €66.00, compared to a current price of €149.90 — trading 127.1% above its estimated fair value. The current Return-on-Tangible-Asset is 0.21%, which is 63% below median its 10-year median of 0.57 and 79% below the Banks industry median of 1.00. Credit Agricole de la Touraine et du Poitou's overall GF Score™ is 43/100 with 5 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 de la Touraine et du Poitou (LTS:0IQP), the current Return-on-Tangible-Asset is 0.21% 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 de la Touraine et du Poitou (LTS:0IQP) Overvalued in 2026?
Based on GuruFocus' analysis, Credit Agricole de la Touraine et du Poitou stock appears to be overvalued.
The current stock price of €149.90 is trading 127.1% above its estimated GF Value™ of €66.00.
Key valuation signals for LTS:0IQP:
Return-on-Tangible-Asset: 0.21% (63% below median its 10-year median of 0.57)
GF Value™: €66.00 vs. price of €149.90 (127.1% above fair value)
Industry Position: 79% below the Banks median (#1206 of 1528)
No single metric tells the full story. See the LTS:0IQP stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Credit Agricole de la Touraine et du Poitou Business Description
Crédit Agricole de la Touraine et du Poitou is engaged in providing banking and financial services in France. The company provides loans and financing to individuals and businesses through local branches.
43GF Score
Get the complete analysis for LTS:0IQP
Return-on-Tangible-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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