ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Credit Agricole Atlantique Vendee's annualizedNet Income for the quarter that ended in Dec. 2025 was €47.5 Mil.
Credit Agricole Atlantique Vendee's average Total Assets over the quarter that ended in Dec. 2025 was €32,907.1 Mil. Therefore, Credit Agricole Atlantique Vendee's annualized ROA % for the quarter that ended in Dec. 2025 was 0.14%.
ROA % measures the rate of return on the total assets (shareholder equity plus liabilities). It measures a firm's efficiency at generating profits from shareholders' equity plus its liabilities. ROA % shows how well a company uses what it has to generate earnings. ROA %s can vary drastically across industries. Therefore, ROA % should not be used to compare companies in different industries. For retailers, a ROA % of higher than 5% is expected. For example, Wal-Mart (WMT) has a ROA % of about 8% as of 2012. For banks, ROA % is close to their interest spread. A banks ROA % is typically well under 2%.
Similar to ROE, ROA % is affected by profit margins and asset turnover. This can be seen from the Du Pont Formula:
Note:
The Net Income data used here is two times the semi-annual (Dec. 2025) net income data. The Revenue data used here is two times the semi-annual (Dec. 2025) revenue 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.
Be Aware
Like ROE, ROA % is calculated with only 12 months data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. ROA % can be affected by events such as stock buyback or issuance, and by goodwill, a company's tax rate and its interest payment. ROA % may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high ROA % may indicate vulnerability in the durability of the competitive advantage.
E.g. Raising $43b to take on KO is impossible, but $1.7b to take on Moody's is. Although Moody's ROA % and underlying economics is far superior to Coca Cola, the durability is far weaker because of lower entry cost.
Credit Agricole Atlantique Vendee ROA % Related Terms
Credit Agricole Atlantique Vendee ROA % 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 ROA %, along with its competitors' market caps and ROA % 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 ROA % vs Banks Industry
For the Banks industry and Financial Services sector, Credit Agricole Atlantique Vendee's ROA % distribution charts can be found below:
* The bar in red indicates where Credit Agricole Atlantique Vendee's ROA % 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 ROA %, the net income of the last fiscal year and the average total assets 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.
ROA % is displayed in the 30-year financial page.
Credit Agricole Atlantique Vendee (XPAR:CRAV) has a ROA % of 0.14% as of Dec. 2025. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Credit Agricole Atlantique Vendee and its competitors. This is 68% below median its historical median of 0.44. Over the past decade, Credit Agricole Atlantique Vendee's ROA % has ranged from 0.21 to 0.60. According to the industry distribution chart, Credit Agricole Atlantique Vendee ranks #1349 out of 1529 companies in the Banks industry, placing it in the top 88.2%.
Is Credit Agricole Atlantique Vendee's ROA % too high?
Credit Agricole Atlantique Vendee's current ROA % of 0.14% is 68% below median its 10-year median of 0.44. Over the past 10 years, this metric has ranged from a low of 0.21 to a high of 0.60. The Banks industry median ROA % is 0.98. Credit Agricole Atlantique Vendee's value of 0.14% is 85.7% below this industry median. Based on the distribution chart, Credit Agricole Atlantique Vendee ranks #1349 out of 1529 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 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Credit Agricole Atlantique Vendee's ROA % compare to competitors?
According to the Banks industry distribution chart, Credit Agricole Atlantique Vendee ranks #1349 out of 1529 companies for ROA %. This places Credit Agricole Atlantique Vendee in the lower half of its industry. The industry median ROA % is 0.98. Credit Agricole Atlantique Vendee's value of 0.14% is 85.7% below this benchmark. Historically, Credit Agricole Atlantique Vendee's own ROA % has ranged from 0.21 to 0.60 over the past decade. While the company's 10-year median is 0.44 vs. the industry median of 0.98, 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 ROA % for a Banks company?
The median ROA % among Banks companies is 0.98, based on 1,529 companies in the industry. Companies in the top quartile (top 25%) have a ROA % significantly above this median, while those in the bottom quartile fall well below. However, ROA % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Credit Agricole Atlantique Vendee's current ROA % of 0.14% is 85.7% 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 ROA % mean?
A high ROA % can signal that a stock is expensive relative to its fundamentals. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Credit Agricole Atlantique Vendee and its competitors. For the Banks industry, the median ROA % is 0.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Credit Agricole Atlantique Vendee's current ROA % is 0.14%, which is 68% below median its own 10-year median of 0.44. 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?
Based on GuruFocus' analysis, Credit Agricole Atlantique Vendee (XPAR:CRAV) is currently considered Significantly Overvalued. The stock's GF Value™ is €89.73, compared to a current price of €151.50 — trading 68.8% above its estimated fair value. The current ROA % is 0.14%, which is 68% below median its 10-year median of 0.44 and 85.7% below the Banks industry median of 0.98. Credit Agricole Atlantique Vendee's overall GF Score™ is 37/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROA % calculated?
ROA % is calculated from a company's financial statements. For Credit Agricole Atlantique Vendee (XPAR:CRAV), the current ROA % is 0.14% 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 Atlantique Vendee (XPAR:CRAV) Overvalued in 2026?
Based on GuruFocus' analysis, Credit Agricole Atlantique Vendee stock appears to be overvalued.
The current stock price of €151.50 is trading 68.8% above its estimated GF Value™ of €89.73.
GuruFocus considers Credit Agricole Atlantique Vendee to be Significantly Overvalued.
Key valuation signals for XPAR:CRAV:
ROA %: 0.14% (68% below median its 10-year median of 0.44)
GF Value™: €89.73 vs. price of €151.50 (68.8% above fair value)
Industry Position: 85.7% below the Banks median (#1349 of 1529)
No single metric tells the full story. See the XPAR:CRAV stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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
Get the complete analysis for XPAR:CRAV
ROA % 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:CRAV has been successfully added to your 
