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Crcam Loire Haute LoireLTS:0ITP 38 Return-on-Tangible-Equity is 0.85% as of Dec. 2025, which is 77% below its 10-year median of 3.77. GuruFocus rates LTS:0ITP with a GF Score™ of 38/100 and a GF Value™ of €64.20 (Significantly Overvalued). The stock has 1 warning sign investors should review. Among 1,518 Banks companies, Crcam Loire Haute Loire ranks worse than 92.03% 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. Crcam Loire Haute Loire's annualized net income for the quarter that ended in Dec. 2025 was €25.0 Mil. Crcam Loire Haute Loire's average shareholder tangible equity for the quarter that ended in Dec. 2025 was €2,940.9 Mil. Therefore, Crcam Loire Haute Loire's annualized Return-on-Tangible-Equity for the quarter that ended in Dec. 2025 was 0.85%.
The historical rank and industry rank for Crcam Loire Haute Loire's Return-on-Tangible-Equity or its related term are showing as below:
LTS:0ITP'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 2.19 Med: 3.77 Max: 6.74
Current: 2.19
During the past 13 years, Crcam Loire Haute Loire's highest Return-on-Tangible-Equity was 6.74%. The lowest was 2.19%. And the median was 3.77%.
LTS:0ITP's Return-on-Tangible-Equity is ranked worse than 92.03% of 1518
companies
in the Banks industry
Industry Median: 11.255
vs LTS:0ITP: 2.19
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.
Crcam Loire Haute Loire Return-on-Tangible-Equity Related Terms
Crcam Loire Haute Loire Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for Crcam Loire Haute Loire's Return-on-Tangible-Equity 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, Crcam Loire Haute Loire'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.
Crcam Loire Haute Loire Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Crcam Loire Haute Loire's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Crcam Loire Haute Loire'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 0.85% mean?
Crcam Loire Haute Loire (LTS:0ITP) has a Return-on-Tangible-Equity of 0.85% 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 Crcam Loire Haute Loire and its competitors. This is 77% below median its historical median of 3.77. Over the past decade, Crcam Loire Haute Loire's Return-on-Tangible-Equity has ranged from 2.19 to 6.74. According to the industry distribution chart, Crcam Loire Haute Loire ranks #1397 out of 1518 companies in the Banks industry, placing it in the top 92%.
Is Crcam Loire Haute Loire's Return-on-Tangible-Equity too high?
Crcam Loire Haute Loire's current Return-on-Tangible-Equity of 0.85% is 77% below median its 10-year median of 3.77. Over the past 10 years, this metric has ranged from a low of 2.19 to a high of 6.74. The Banks industry median Return-on-Tangible-Equity is 11.26. Crcam Loire Haute Loire's value of 0.85% is 92.4% below this industry median. Based on the distribution chart, Crcam Loire Haute Loire ranks #1397 out of 1518 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Crcam Loire Haute Loire has a GF Score™ of 38/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Crcam Loire Haute Loire's Return-on-Tangible-Equity compare to competitors?
According to the Banks industry distribution chart, Crcam Loire Haute Loire ranks #1397 out of 1518 companies for Return-on-Tangible-Equity. This places Crcam Loire Haute Loire in the lower half of its industry. The industry median Return-on-Tangible-Equity is 11.26. Crcam Loire Haute Loire's value of 0.85% is 92.4% below this benchmark. Historically, Crcam Loire Haute Loire's own Return-on-Tangible-Equity has ranged from 2.19 to 6.74 over the past decade. While the company's 10-year median is 3.77 vs. the industry median of 11.26, Crcam Loire Haute Loire 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. Crcam Loire Haute Loire's current Return-on-Tangible-Equity of 0.85% is 92.4% 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 Crcam Loire Haute Loire 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. Crcam Loire Haute Loire's current Return-on-Tangible-Equity is 0.85%, which is 77% below median its own 10-year median of 3.77. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Crcam Loire Haute Loire stock overvalued right now?
Based on GuruFocus' analysis, Crcam Loire Haute Loire (LTS:0ITP) is currently considered Significantly Overvalued. The stock's GF Value™ is €64.20, compared to a current price of €101.00 — trading 57.3% above its estimated fair value. The current Return-on-Tangible-Equity is 0.85%, which is 77% below median its 10-year median of 3.77 and 92.4% below the Banks industry median of 11.26. Crcam Loire Haute Loire's overall GF Score™ is 38/100 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 Crcam Loire Haute Loire (LTS:0ITP), the current Return-on-Tangible-Equity is 0.85% 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 Loire Haute Loire (LTS:0ITP) Overvalued in 2026?
Based on GuruFocus' analysis, Crcam Loire Haute Loire stock appears to be overvalued.
The current stock price of €101.00 is trading 57.3% above its estimated GF Value™ of €64.20.
GuruFocus considers Crcam Loire Haute Loire to be Significantly Overvalued.
Key valuation signals for LTS:0ITP:
Return-on-Tangible-Equity: 0.85% (77% below median its 10-year median of 3.77)
GF Value™: €64.20 vs. price of €101.00 (57.3% above fair value)
Industry Position: 92.4% below the Banks median (#1397 of 1518)
No single metric tells the full story. See the LTS:0ITP stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Crcam Loire Haute Loire is a regional bank belonging to the Credit Agricole Group. The Bank provides loans and financing to individuals and businesses through local branches in the Loire Region of France.
38GF Score
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