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STU:2EP1's Return-on-Tangible-Equity is ranked worse than 90.63% of 1526
companies
in the Banks industry
Industry Median: 11.205
vs STU:2EP1: 2.77
Credit Agricole de la Touraine et du Poitou (STU:2EP1) 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 de la Touraine et du Poitou Return-on-Tangible-Equity Related Terms
Credit Agricole de la Touraine et du Poitou 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 de la Touraine et du Poitou Return-on-Tangible-Equity Chart
Credit Agricole de la Touraine et du Poitou Annual Data
Credit Agricole de la Touraine et du Poitou Return-on-Tangible-Equity Competitor Comparison
For the Banks - Regional subindustry, Credit Agricole de la Touraine et du Poitou'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 de la Touraine et du Poitou Return-on-Tangible-Equity 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-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 1.16% mean?
Credit Agricole de la Touraine et du Poitou (STU:2EP1) has a Return-on-Tangible-Equity of 1.16% 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 de la Touraine et du Poitou and its competitors. This is 69% below median its historical median of 3.72. Over the past decade, Credit Agricole de la Touraine et du Poitou's Return-on-Tangible-Equity has ranged from 2.06 to 4.38. According to the industry distribution chart, Credit Agricole de la Touraine et du Poitou ranks #1383 out of 1526 companies in the Banks industry, placing it in the top 90.6%.
Is Credit Agricole de la Touraine et du Poitou's Return-on-Tangible-Equity too high?
Credit Agricole de la Touraine et du Poitou's current Return-on-Tangible-Equity of 1.16% is 69% below median its 10-year median of 3.72. Over the past 10 years, this metric has ranged from a low of 2.06 to a high of 4.38. The Banks industry median Return-on-Tangible-Equity is 11.21. Credit Agricole de la Touraine et du Poitou's value of 1.16% is 89.6% below this industry median. Based on the distribution chart, Credit Agricole de la Touraine et du Poitou ranks #1383 out of 1526 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 35/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Credit Agricole de la Touraine et du Poitou's Return-on-Tangible-Equity compare to competitors?
According to the Banks industry distribution chart, Credit Agricole de la Touraine et du Poitou ranks #1383 out of 1526 companies for Return-on-Tangible-Equity. This places Credit Agricole de la Touraine et du Poitou in the lower half of its industry. The industry median Return-on-Tangible-Equity is 11.21. Credit Agricole de la Touraine et du Poitou's value of 1.16% is 89.6% below this benchmark. Historically, Credit Agricole de la Touraine et du Poitou's own Return-on-Tangible-Equity has ranged from 2.06 to 4.38 over the past decade. While the company's 10-year median is 3.72 vs. the industry median of 11.21, 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-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.21, based on 1,526 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 de la Touraine et du Poitou's current Return-on-Tangible-Equity of 1.16% is 89.6% 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 de la Touraine et du Poitou and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.21 — 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-Equity is 1.16%, which is 69% below median its own 10-year median of 3.72. 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?
Based on GuruFocus' analysis, Credit Agricole de la Touraine et du Poitou (STU:2EP1) is currently considered Significantly Overvalued. The stock's GF Value™ is €59.53, compared to a current price of €141.54 — trading 137.8% above its estimated fair value. The current Return-on-Tangible-Equity is 1.16%, which is 69% below median its 10-year median of 3.72 and 89.6% below the Banks industry median of 11.21. Credit Agricole de la Touraine et du Poitou's overall GF Score™ is 35/100 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-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Credit Agricole de la Touraine et du Poitou (STU:2EP1), the current Return-on-Tangible-Equity is 1.16% 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 (STU:2EP1) 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 €141.54 is trading 137.8% above its estimated GF Value™ of €59.53.
GuruFocus considers Credit Agricole de la Touraine et du Poitou to be Significantly Overvalued.
Key valuation signals for STU:2EP1:
Return-on-Tangible-Equity: 1.16% (69% below median its 10-year median of 3.72)
GF Value™: €59.53 vs. price of €141.54 (137.8% above fair value)
Industry Position: 89.6% below the Banks median (#1383 of 1526)
No single metric tells the full story. See the STU:2EP1 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.
35GF Score
Get the complete analysis for STU:2EP1
Return-on-Tangible-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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