Crcam Loire Haute Loire (XPAR:CRLO) ROE % Adjusted to Book Value: 3.36% (As of Dec. 2025)

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XPAR:CRLO Crcam Loire Haute Loire XPAR:CRLO
55 GF Score
Price €97.60
GF Value €62.52
Valuation Significantly Overvalued
! 1 Warning Sign
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What is Crcam Loire Haute Loire ROE % Adjusted to Book Value?

Crcam Loire Haute Loire XPAR:CRLO -0.91% 55 ROE % Adjusted to Book Value is 3.36% as of Dec. 2025. GuruFocus rates XPAR:CRLO with a GF Score™ of 55/100 and a GF Value™ of €62.52 (Significantly Overvalued). The stock has 1 warning sign investors should review.

Crcam Loire Haute Loire's ROE % for the quarter that ended in Dec. 2025 was 0.84%. Crcam Loire Haute Loire's PB Ratio for the quarter that ended in Dec. 2025 was 0.25. Crcam Loire Haute Loire's ROE % Adjusted to Book Value for the quarter that ended in Dec. 2025 was 3.36%.


Crcam Loire Haute Loire ROE % Adjusted to Book Value Related Terms


Crcam Loire Haute Loire ROE % Adjusted to Book Value Historical Data

* Premium members only.

The historical data trend for Crcam Loire Haute Loire's ROE % Adjusted to Book Value 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 Loire Haute Loire ROE % Adjusted to Book Value Chart

Crcam Loire Haute Loire Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
ROE % Adjusted to Book Value
Get a 7-Day Free Trial Premium Member Only Premium Member Only 19.19 19.88 14.56 15.83 8.60

Crcam Loire Haute Loire Semi-Annual Data
Jun16 Dec16 Jun17 Dec17 Jun18 Dec18 Jun19 Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25
ROE % Adjusted to Book Value Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 8.50 20.00 11.83 18.53 3.36

Crcam Loire Haute Loire ROE % Adjusted to Book Value Competitor Comparison

For the Banks - Regional subindustry, Crcam Loire Haute Loire's ROE % Adjusted to Book Value, along with its competitors' market caps and ROE % Adjusted to Book Value 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 Loire Haute Loire ROE % Adjusted to Book Value vs Banks Industry

For the Banks industry and Financial Services sector, Crcam Loire Haute Loire's ROE % Adjusted to Book Value distribution charts can be found below:

* The bar in red indicates where Crcam Loire Haute Loire's ROE % Adjusted to Book Value falls into.


XPAR:CRLO
55GF Score
Crcam Loire Haute Loire XPAR:CRLO
ROE % Adjusted to Book Value is just one metric. See GF Score™, valuation, warning signs, and more.
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Crcam Loire Haute Loire ROE % Adjusted to Book Value Calculation

Crcam Loire Haute Loire's ROE % Adjusted to Book Value for the fiscal year that ended in Dec. 2025 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=2.15% / 0.25
=8.60%

Crcam Loire Haute Loire's ROE % Adjusted to Book Value for the quarter that ended in Dec. 2025 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=0.84% / 0.25
=3.36%

* 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.

What does a ROE % Adjusted to Book Value of 3.36% mean?
Crcam Loire Haute Loire (XPAR:CRLO) has a ROE % Adjusted to Book Value of 3.36% as of Dec. 2025. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on Crcam Loire Haute Loire and its competitors.
Is Crcam Loire Haute Loire's ROE % Adjusted to Book Value too high?
Crcam Loire Haute Loire's current ROE % Adjusted to Book Value is 3.36%. Overall, Crcam Loire Haute Loire has a GF Score™ of 55/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Crcam Loire Haute Loire's ROE % Adjusted to Book Value compare to competitors?
Crcam Loire Haute Loire's ROE % Adjusted to Book Value of 3.36% can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROE % Adjusted to Book Value for a Banks company?
A good ROE % Adjusted to Book Value depends on the Banks industry context. However, ROE % Adjusted to Book Value should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high ROE % Adjusted to Book Value mean?
A high ROE % Adjusted to Book Value can signal that a stock is expensive relative to its fundamentals. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on Crcam Loire Haute Loire and its competitors. Crcam Loire Haute Loire's current ROE % Adjusted to Book Value is 3.36%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Crcam Loire Haute Loire stock overvalued right now?
Based on GuruFocus' analysis, Crcam Loire Haute Loire (XPAR:CRLO) is currently considered Significantly Overvalued. The stock's GF Value™ is €62.52, compared to a current price of €97.60 — trading 56.1% above its estimated fair value. The current ROE % Adjusted to Book Value is 3.36%. Crcam Loire Haute Loire's overall GF Score™ is 55/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROE % Adjusted to Book Value calculated?
ROE % Adjusted to Book Value is calculated from a company's financial statements. For Crcam Loire Haute Loire (XPAR:CRLO), the current ROE % Adjusted to Book Value is 3.36% 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 Loire Haute Loire (XPAR:CRLO) Overvalued in 2026?

Based on GuruFocus' analysis, Crcam Loire Haute Loire stock appears to be overvalued. The current stock price of €97.60 is trading 56.1% above its estimated GF Value™ of €62.52. GuruFocus considers Crcam Loire Haute Loire to be Significantly Overvalued.

Key valuation signals for XPAR:CRLO:

  • ROE % Adjusted to Book Value: 3.36%
  • GF Value™: €62.52 vs. price of €97.60 (56.1% above fair value)
  • GF Score™: 55/100 with 1 warning sign

No single metric tells the full story. See the XPAR:CRLO stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Crcam Loire Haute Loire Business Description

Other Exchanges 0ITP:UK
Address 94 Rue Bergson, BP 524, Saint-Etienne, FRA, 42007
Crcam Loire Haute Loire is a regional bank belonging to the Credit Agricole Group. The Bank provides loans and financing to individuals and businesses through local branches in the Loire Region of France.
55GF Score

Get the complete analysis for XPAR:CRLO

ROE % Adjusted to Book Value is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€97.60
Price
€62.52
GF Value