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Credit Agricole du MorbihanLTS:0AHX 52 Return-on-Tangible-Equity is 1.64% as of Dec. 2025, which is 55% below its 10-year median of 3.65. GuruFocus rates LTS:0AHX with a GF Score™ of 52/100 and a GF Value™ of €72.20. The stock has 1 warning sign investors should review. Among 1,518 Banks companies, Credit Agricole du Morbihan ranks worse than 89.92% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. Credit Agricole du Morbihan's annualized net income for the quarter that ended in Dec. 2025 was €37.6 Mil. Credit Agricole du Morbihan's average shareholder tangible equity for the quarter that ended in Dec. 2025 was €2,296.3 Mil. Therefore, Credit Agricole du Morbihan's annualized Return-on-Tangible-Equity for the quarter that ended in Dec. 2025 was 1.64%.
The historical rank and industry rank for Credit Agricole du Morbihan's Return-on-Tangible-Equity or its related term are showing as below:
LTS:0AHX'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 2.7 Med: 3.65 Max: 4.83
Current: 3.07
During the past 13 years, Credit Agricole du Morbihan's highest Return-on-Tangible-Equity was 4.83%. The lowest was 2.70%. And the median was 3.65%.
LTS:0AHX's Return-on-Tangible-Equity is ranked worse than 89.92% of 1518
companies
in the Banks industry
Industry Median: 11.255
vs LTS:0AHX: 3.07
Credit Agricole du Morbihan (LTS:0AHX) Return-on-Tangible-Equity Explanation
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Credit Agricole du Morbihan Return-on-Tangible-Equity Related Terms
Credit Agricole du Morbihan Return-on-Tangible-Equity 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 du Morbihan Return-on-Tangible-Equity Chart
Credit Agricole du Morbihan Return-on-Tangible-Equity Competitor Comparison
For the Banks - Regional subindustry, Credit Agricole du Morbihan's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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 du Morbihan Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Credit Agricole du Morbihan's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Credit Agricole du Morbihan's Return-on-Tangible-Equity 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-Equity, the net income of the last fiscal year and the average total shareholder tangible equity 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.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 1.64% mean?
Credit Agricole du Morbihan (LTS:0AHX) has a Return-on-Tangible-Equity of 1.64% as of Dec. 2025. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Credit Agricole du Morbihan and its competitors. This is 55% below median its historical median of 3.65. Over the past decade, Credit Agricole du Morbihan's Return-on-Tangible-Equity has ranged from 2.70 to 4.83. According to the industry distribution chart, Credit Agricole du Morbihan ranks #1365 out of 1518 companies in the Banks industry, placing it in the top 89.9%.
Is Credit Agricole du Morbihan's Return-on-Tangible-Equity too high?
Credit Agricole du Morbihan's current Return-on-Tangible-Equity of 1.64% is 55% below median its 10-year median of 3.65. Over the past 10 years, this metric has ranged from a low of 2.70 to a high of 4.83. The Banks industry median Return-on-Tangible-Equity is 11.26. Credit Agricole du Morbihan's value of 1.64% is 85.4% below this industry median. Based on the distribution chart, Credit Agricole du Morbihan ranks #1365 out of 1518 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Credit Agricole du Morbihan has a GF Score™ of 52/100, reflecting its overall financial health beyond just this single metric.
How does Credit Agricole du Morbihan's Return-on-Tangible-Equity compare to competitors?
According to the Banks industry distribution chart, Credit Agricole du Morbihan ranks #1365 out of 1518 companies for Return-on-Tangible-Equity. This places Credit Agricole du Morbihan in the lower half of its industry. The industry median Return-on-Tangible-Equity is 11.26. Credit Agricole du Morbihan's value of 1.64% is 85.4% below this benchmark. Historically, Credit Agricole du Morbihan's own Return-on-Tangible-Equity has ranged from 2.70 to 4.83 over the past decade. While the company's 10-year median is 3.65 vs. the industry median of 11.26, Credit Agricole du Morbihan 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-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.26, based on 1,518 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Credit Agricole du Morbihan's current Return-on-Tangible-Equity of 1.64% is 85.4% 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-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Credit Agricole du Morbihan and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.26 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Credit Agricole du Morbihan's current Return-on-Tangible-Equity is 1.64%, which is 55% below median its own 10-year median of 3.65. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Credit Agricole du Morbihan stock overvalued right now?
Credit Agricole du Morbihan (LTS:0AHX) has a current Return-on-Tangible-Equity of 1.64%. The stock's GF Value™ is €72.20, compared to a current price of €113.00 — trading 56.5% above its estimated fair value. The current Return-on-Tangible-Equity is 1.64%, which is 55% below median its 10-year median of 3.65 and 85.4% below the Banks industry median of 11.26. Credit Agricole du Morbihan's overall GF Score™ is 52/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Credit Agricole du Morbihan (LTS:0AHX), the current Return-on-Tangible-Equity is 1.64% 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 du Morbihan (LTS:0AHX) Overvalued in 2026?
Based on GuruFocus' analysis, Credit Agricole du Morbihan stock appears to be overvalued.
The current stock price of €113.00 is trading 56.5% above its estimated GF Value™ of €72.20.
Key valuation signals for LTS:0AHX:
Return-on-Tangible-Equity: 1.64% (55% below median its 10-year median of 3.65)
GF Value™: €72.20 vs. price of €113.00 (56.5% above fair value)
Industry Position: 85.4% below the Banks median (#1365 of 1518)
No single metric tells the full story. See the LTS:0AHX stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Credit Agricole du Morbihan is a France-based company engaged in providing financial and insurance products and services to such customers as individuals, farmers, professionals, businesses and local communities.
52GF Score
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