Credit AgricoleMEX:ACAFN 57 Return-on-Tangible-Equity is 11.38% as of Mar. 2026, which is 2% above its 10-year median of 11.13. GuruFocus rates MEX:ACAFN with a GF Score™ of 57/100 and a GF Value™ of MXN373.90 (Fairly Valued). The stock has 6 warning signs investors should review. Among 1,521 Banks companies, Credit Agricole ranks better than 56.41% 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's annualized net income for the quarter that ended in Mar. 2026 was MXN139,759 Mil. Credit Agricole's average shareholder tangible equity for the quarter that ended in Mar. 2026 was MXN1,227,874 Mil. Therefore, Credit Agricole's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 11.38%.
The historical rank and industry rank for Credit Agricole's Return-on-Tangible-Equity or its related term are showing as below:
MEX:ACAFN'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 5.86 Med: 11.13 Max: 13.24
Current: 12.3
During the past 13 years, Credit Agricole's highest Return-on-Tangible-Equity was 13.24%. The lowest was 5.86%. And the median was 11.13%.
MEX:ACAFN's Return-on-Tangible-Equity is ranked better than 56.41% of 1521
companies
in the Banks industry
Industry Median: 11.23
vs MEX:ACAFN: 12.30
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 Return-on-Tangible-Equity Related Terms
Credit Agricole Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for Credit Agricole'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, Credit Agricole'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 Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Credit Agricole's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Credit Agricole'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 four times the quarterly (Mar. 2026) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 11.38% mean?
Credit Agricole (MEX:ACAFN) has a Return-on-Tangible-Equity of 11.38% as of Mar. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Credit Agricole and its competitors. This is near median its historical median of 11.13. Over the past decade, Credit Agricole's Return-on-Tangible-Equity has ranged from 5.86 to 13.24. According to the industry distribution chart, Credit Agricole ranks #663 out of 1521 companies in the Banks industry, placing it in the top 43.6%.
Is Credit Agricole's Return-on-Tangible-Equity too high?
Credit Agricole's current Return-on-Tangible-Equity of 11.38% is near median its 10-year median of 11.13. Over the past 10 years, this metric has ranged from a low of 5.86 to a high of 13.24. The Banks industry median Return-on-Tangible-Equity is 11.23. Credit Agricole's value of 11.38% is 1.3% above this industry median. Based on the distribution chart, Credit Agricole ranks #663 out of 1521 companies in the Banks industry, which is above the industry midpoint. Overall, Credit Agricole has a GF Score™ of 57/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Credit Agricole's Return-on-Tangible-Equity compare to competitors?
According to the Banks industry distribution chart, Credit Agricole ranks #663 out of 1521 companies for Return-on-Tangible-Equity. This puts Credit Agricole in the upper half of its industry. The industry median Return-on-Tangible-Equity is 11.23. Credit Agricole's value of 11.38% is 1.3% above this benchmark. Historically, Credit Agricole's own Return-on-Tangible-Equity has ranged from 5.86 to 13.24 over the past decade. While the company's 10-year median is 11.13 vs. the industry median of 11.23, Credit Agricole has consistently been above 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 11.23, based on 1,521 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's current Return-on-Tangible-Equity of 11.38% is 1.3% above 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 and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.23 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Credit Agricole's current Return-on-Tangible-Equity is 11.38%, which is near median its own 10-year median of 11.13. 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 (MEX:ACAFN) is currently considered Fairly Valued. The stock's GF Value™ is MXN373.90, compared to a current price of MXN338.95 — trading 9.3% below its estimated fair value. The current Return-on-Tangible-Equity is 11.38%, which is near median its 10-year median of 11.13 and 1.3% above the Banks industry median of 11.23. Credit Agricole's overall GF Score™ is 57/100 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-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Credit Agricole (MEX:ACAFN), the current Return-on-Tangible-Equity is 11.38% 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 (MEX:ACAFN) Overvalued in 2026?
Based on GuruFocus' analysis, Credit Agricole stock appears to be undervalued.
The current stock price of MXN338.95 is trading 9.3% below its estimated GF Value™ of MXN373.90.
GuruFocus considers Credit Agricole to be Fairly Valued.
Key valuation signals for MEX:ACAFN:
Return-on-Tangible-Equity: 11.38% (near median its 10-year median of 11.13)
GF Value™: MXN373.90 vs. price of MXN338.95 (9.3% below fair value)
Industry Position: 1.3% above the Banks median (#663 of 1521)
No single metric tells the full story. See the MEX:ACAFN 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.
57GF Score
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