Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Crcam Ille Et VilaineXPAR:CIV -1.61%48 Return-on-Tangible-Equity is 1.09% as of Dec. 2025, which is 67% below its 10-year median of 3.26. GuruFocus rates XPAR:CIV with a GF Score™ of 48/100 and a GF Value™ of €62.93 (Significantly Overvalued). The stock has 2 warning signs investors should review. Among 1,526 Banks companies, Crcam Ille Et Vilaine ranks worse than 91.35% 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 Ille Et Vilaine's annualized net income for the quarter that ended in Dec. 2025 was €28.8 Mil. Crcam Ille Et Vilaine's average shareholder tangible equity for the quarter that ended in Dec. 2025 was €2,628.7 Mil. Therefore, Crcam Ille Et Vilaine's annualized Return-on-Tangible-Equity for the quarter that ended in Dec. 2025 was 1.09%.
The historical rank and industry rank for Crcam Ille Et Vilaine's Return-on-Tangible-Equity or its related term are showing as below:
XPAR:CIV'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 1.11 Med: 3.26 Max: 4.71
Current: 2.55
During the past 13 years, Crcam Ille Et Vilaine's highest Return-on-Tangible-Equity was 4.71%. The lowest was 1.11%. And the median was 3.26%.
XPAR:CIV's Return-on-Tangible-Equity is ranked worse than 91.35% of 1526
companies
in the Banks industry
Industry Median: 11.205
vs XPAR:CIV: 2.55
Crcam Ille Et Vilaine (XPAR:CIV) 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.
Crcam Ille Et Vilaine Return-on-Tangible-Equity Related Terms
Crcam Ille Et Vilaine Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for Crcam Ille Et Vilaine'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.
Crcam Ille Et Vilaine Return-on-Tangible-Equity Chart
Crcam Ille Et Vilaine Return-on-Tangible-Equity Competitor Comparison
For the Banks - Regional subindustry, Crcam Ille Et Vilaine'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 Ille Et Vilaine Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Crcam Ille Et Vilaine's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Crcam Ille Et Vilaine'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 1.09% mean?
Crcam Ille Et Vilaine (XPAR:CIV) has a Return-on-Tangible-Equity of 1.09% 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 Ille Et Vilaine and its competitors. This is 67% below median its historical median of 3.26. Over the past decade, Crcam Ille Et Vilaine's Return-on-Tangible-Equity has ranged from 1.11 to 4.71. According to the industry distribution chart, Crcam Ille Et Vilaine ranks #1394 out of 1526 companies in the Banks industry, placing it in the top 91.3%.
Is Crcam Ille Et Vilaine's Return-on-Tangible-Equity too high?
Crcam Ille Et Vilaine's current Return-on-Tangible-Equity of 1.09% is 67% below median its 10-year median of 3.26. Over the past 10 years, this metric has ranged from a low of 1.11 to a high of 4.71. The Banks industry median Return-on-Tangible-Equity is 11.21. Crcam Ille Et Vilaine's value of 1.09% is 90.3% below this industry median. Based on the distribution chart, Crcam Ille Et Vilaine ranks #1394 out of 1526 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Crcam Ille Et Vilaine has a GF Score™ of 48/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Crcam Ille Et Vilaine's Return-on-Tangible-Equity compare to competitors?
According to the Banks industry distribution chart, Crcam Ille Et Vilaine ranks #1394 out of 1526 companies for Return-on-Tangible-Equity. This places Crcam Ille Et Vilaine in the lower half of its industry. The industry median Return-on-Tangible-Equity is 11.21. Crcam Ille Et Vilaine's value of 1.09% is 90.3% below this benchmark. Historically, Crcam Ille Et Vilaine's own Return-on-Tangible-Equity has ranged from 1.11 to 4.71 over the past decade. While the company's 10-year median is 3.26 vs. the industry median of 11.21, Crcam Ille Et Vilaine 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. Crcam Ille Et Vilaine's current Return-on-Tangible-Equity of 1.09% is 90.3% 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 Ille Et Vilaine 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. Crcam Ille Et Vilaine's current Return-on-Tangible-Equity is 1.09%, which is 67% below median its own 10-year median of 3.26. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Crcam Ille Et Vilaine stock overvalued right now?
Based on GuruFocus' analysis, Crcam Ille Et Vilaine (XPAR:CIV) is currently considered Significantly Overvalued. The stock's GF Value™ is €62.93, compared to a current price of €110.00 — trading 74.8% above its estimated fair value. The current Return-on-Tangible-Equity is 1.09%, which is 67% below median its 10-year median of 3.26 and 90.3% below the Banks industry median of 11.21. Crcam Ille Et Vilaine's overall GF Score™ is 48/100 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 Crcam Ille Et Vilaine (XPAR:CIV), the current Return-on-Tangible-Equity is 1.09% 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 Ille Et Vilaine (XPAR:CIV) Overvalued in 2026?
Based on GuruFocus' analysis, Crcam Ille Et Vilaine stock appears to be overvalued.
The current stock price of €110.00 is trading 74.8% above its estimated GF Value™ of €62.93.
GuruFocus considers Crcam Ille Et Vilaine to be Significantly Overvalued.
Key valuation signals for XPAR:CIV:
Return-on-Tangible-Equity: 1.09% (67% below median its 10-year median of 3.26)
GF Value™: €62.93 vs. price of €110.00 (74.8% above fair value)
Industry Position: 90.3% below the Banks median (#1394 of 1526)
No single metric tells the full story. See the XPAR:CIV stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Crcam Ille Et Vilaine Formerly Crédit Agricole d'Ille-et-Vilaine is involved in providing banking services in France. The company offers savings, mortgages, loans, and account management services, as well as insurance products. It serves individuals, professionals, farmers, companies, and associations.
48GF Score
Get the complete analysis for XPAR:CIV
Return-on-Tangible-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
XPAR:CIV has been successfully added to your 
