Credit Agricole Atlantique VendeeSTU:4TF0 +0.01%37 Return-on-Tangible-Equity is 1.12% as of Dec. 2025, which is 68% below its 10-year median of 3.54. GuruFocus rates STU:4TF0 with a GF Score™ of 37/100. The stock has 2 warning signs investors should review. Among 1,522 Banks companies, Credit Agricole Atlantique Vendee ranks worse than 92.38% on this metric.
The historical rank and industry rank for Credit Agricole Atlantique Vendee's Return-on-Tangible-Equity or its related term are showing as below:
STU:4TF0'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 1.67 Med: 3.54 Max: 4.67
Current: 2.05
During the past 13 years, Credit Agricole Atlantique Vendee's highest Return-on-Tangible-Equity was 4.67%. The lowest was 1.67%. And the median was 3.54%.
STU:4TF0's Return-on-Tangible-Equity is ranked worse than 92.38% of 1522
companies
in the Banks industry
Industry Median: 11.19
vs STU:4TF0: 2.05
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 Atlantique Vendee Return-on-Tangible-Equity Related Terms
Credit Agricole Atlantique Vendee 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.
For the Banks - Regional subindustry, Credit Agricole Atlantique Vendee'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 Atlantique Vendee Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Credit Agricole Atlantique Vendee's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Credit Agricole Atlantique Vendee'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 1.12% mean?
Credit Agricole Atlantique Vendee (STU:4TF0) has a Return-on-Tangible-Equity of 1.12% 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 Atlantique Vendee and its competitors. This is 68% below median its historical median of 3.54. Over the past decade, Credit Agricole Atlantique Vendee's Return-on-Tangible-Equity has ranged from 1.67 to 4.67. According to the industry distribution chart, Credit Agricole Atlantique Vendee ranks #1406 out of 1522 companies in the Banks industry, placing it in the top 92.4%.
Is Credit Agricole Atlantique Vendee's Return-on-Tangible-Equity too high?
Credit Agricole Atlantique Vendee's current Return-on-Tangible-Equity of 1.12% is 68% below median its 10-year median of 3.54. Over the past 10 years, this metric has ranged from a low of 1.67 to a high of 4.67. The Banks industry median Return-on-Tangible-Equity is 11.19. Credit Agricole Atlantique Vendee's value of 1.12% is 90% below this industry median. Based on the distribution chart, Credit Agricole Atlantique Vendee ranks #1406 out of 1522 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Credit Agricole Atlantique Vendee has a GF Score™ of 37/100, reflecting its overall financial health beyond just this single metric.
How does Credit Agricole Atlantique Vendee's Return-on-Tangible-Equity compare to competitors?
According to the Banks industry distribution chart, Credit Agricole Atlantique Vendee ranks #1406 out of 1522 companies for Return-on-Tangible-Equity. This places Credit Agricole Atlantique Vendee in the lower half of its industry. The industry median Return-on-Tangible-Equity is 11.19. Credit Agricole Atlantique Vendee's value of 1.12% is 90% below this benchmark. Historically, Credit Agricole Atlantique Vendee's own Return-on-Tangible-Equity has ranged from 1.67 to 4.67 over the past decade. While the company's 10-year median is 3.54 vs. the industry median of 11.19, Credit Agricole Atlantique Vendee 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 11.19, based on 1,522 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 Atlantique Vendee's current Return-on-Tangible-Equity of 1.12% is 90% 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 Atlantique Vendee and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.19 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Credit Agricole Atlantique Vendee's current Return-on-Tangible-Equity is 1.12%, which is 68% below median its own 10-year median of 3.54. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Credit Agricole Atlantique Vendee stock overvalued right now?
Credit Agricole Atlantique Vendee (STU:4TF0) has a current Return-on-Tangible-Equity of 1.12%. The current Return-on-Tangible-Equity is 1.12%, which is 68% below median its 10-year median of 3.54 and 90% below the Banks industry median of 11.19. Credit Agricole Atlantique Vendee's overall GF Score™ is 37/100 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-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Credit Agricole Atlantique Vendee (STU:4TF0), the current Return-on-Tangible-Equity is 1.12% 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.
Credit Agricole Atlantique Vendee Business Description
Credit Agricole Atlantique Vendee is a regional bank belonging to the Credit Agricole Group. It is engaged in providing banking and insurance solutions in France. It offers its services to individuals, professionals, farmers and companies.
37GF Score
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