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Crcam Ille Et VilaineXPAR:CIV -0.85%47 Return-on-Tangible-Asset is 0.14% as of Dec. 2025, which is 63% below its 10-year median of 0.38. GuruFocus rates XPAR:CIV with a GF Score™ of 47/100 and a GF Value™ of €62.86 (Significantly Overvalued). The stock has 2 warning signs investors should review. Among 1,528 Banks companies, Crcam Ille Et Vilaine ranks worse than 86.19% 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. Crcam Ille Et Vilaine's annualizedNet Income for the quarter that ended in Dec. 2025 was €28.8 Mil. Crcam Ille Et Vilaine's average total tangible assets for the quarter that ended in Dec. 2025 was €21,201.5 Mil. Therefore, Crcam Ille Et Vilaine's annualized Return-on-Tangible-Asset for the quarter that ended in Dec. 2025 was 0.14%.
The historical rank and industry rank for Crcam Ille Et Vilaine's Return-on-Tangible-Asset or its related term are showing as below:
XPAR:CIV'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: 0.14 Med: 0.38 Max: 0.61
Current: 0.31
During the past 13 years, Crcam Ille Et Vilaine's highest Return-on-Tangible-Asset was 0.61%. The lowest was 0.14%. And the median was 0.38%.
XPAR:CIV's Return-on-Tangible-Asset is ranked worse than 86.19% of 1528
companies
in the Banks industry
Industry Median: 1.005
vs XPAR:CIV: 0.31
Crcam Ille Et Vilaine (XPAR:CIV) 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.
Crcam Ille Et Vilaine Return-on-Tangible-Asset Related Terms
Crcam Ille Et Vilaine Return-on-Tangible-Asset Historical Data
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The historical data trend for Crcam Ille Et Vilaine'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.
Crcam Ille Et Vilaine Return-on-Tangible-Asset Chart
Crcam Ille Et Vilaine Return-on-Tangible-Asset Competitor Comparison
For the Banks - Regional subindustry, Crcam Ille Et Vilaine'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.
Crcam Ille Et Vilaine Return-on-Tangible-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Crcam Ille Et Vilaine's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Crcam Ille Et Vilaine'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 two times the semi-annual (Dec. 2025) net income data.
What does a Return-on-Tangible-Asset of 0.14% mean?
Crcam Ille Et Vilaine (XPAR:CIV) has a Return-on-Tangible-Asset of 0.14% 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 Crcam Ille Et Vilaine and its competitors. This is 63% below median its historical median of 0.38. Over the past decade, Crcam Ille Et Vilaine's Return-on-Tangible-Asset has ranged from 0.14 to 0.61. According to the industry distribution chart, Crcam Ille Et Vilaine ranks #1317 out of 1528 companies in the Banks industry, placing it in the top 86.2%.
Is Crcam Ille Et Vilaine's Return-on-Tangible-Asset too high?
Crcam Ille Et Vilaine's current Return-on-Tangible-Asset of 0.14% is 63% below median its 10-year median of 0.38. Over the past 10 years, this metric has ranged from a low of 0.14 to a high of 0.61. The Banks industry median Return-on-Tangible-Asset is 1.01. Crcam Ille Et Vilaine's value of 0.14% is 86.1% below this industry median. Based on the distribution chart, Crcam Ille Et Vilaine ranks #1317 out of 1528 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Crcam Ille Et Vilaine has a GF Score™ of 47/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Crcam Ille Et Vilaine's Return-on-Tangible-Asset compare to competitors?
According to the Banks industry distribution chart, Crcam Ille Et Vilaine ranks #1317 out of 1528 companies for Return-on-Tangible-Asset. This places Crcam Ille Et Vilaine in the lower half of its industry. The industry median Return-on-Tangible-Asset is 1.01. Crcam Ille Et Vilaine's value of 0.14% is 86.1% below this benchmark. Historically, Crcam Ille Et Vilaine's own Return-on-Tangible-Asset has ranged from 0.14 to 0.61 over the past decade. While the company's 10-year median is 0.38 vs. the industry median of 1.01, 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 Return-on-Tangible-Asset for a Banks company?
The median Return-on-Tangible-Asset among Banks companies is 1.01, 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. Crcam Ille Et Vilaine's current Return-on-Tangible-Asset of 0.14% is 86.1% 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 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 Crcam Ille Et Vilaine and its competitors. For the Banks industry, the median Return-on-Tangible-Asset is 1.01 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Crcam Ille Et Vilaine's current Return-on-Tangible-Asset is 0.14%, which is 63% below median its own 10-year median of 0.38. 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 €62.86, compared to a current price of €116.00 — trading 84.5% above its estimated fair value. The current Return-on-Tangible-Asset is 0.14%, which is 63% below median its 10-year median of 0.38 and 86.1% below the Banks industry median of 1.01. Crcam Ille Et Vilaine's overall GF Score™ is 47/100 with 2 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 Crcam Ille Et Vilaine (XPAR:CIV), the current Return-on-Tangible-Asset is 0.14% 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 €116.00 is trading 84.5% above its estimated GF Value™ of €62.86.
GuruFocus considers Crcam Ille Et Vilaine to be Significantly Overvalued.
Key valuation signals for XPAR:CIV:
Return-on-Tangible-Asset: 0.14% (63% below median its 10-year median of 0.38)
GF Value™: €62.86 vs. price of €116.00 (84.5% above fair value)
Industry Position: 86.1% below the Banks median (#1317 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.
47GF Score
Get the complete analysis for XPAR:CIV
Return-on-Tangible-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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