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Crcam Loire Haute LoireLTS:0ITP 38 ROE % is 0.84% as of Dec. 2025, which is 77% below its 10-year median of 3.71. GuruFocus rates LTS:0ITP with a GF Score™ of 38/100 and a GF Value™ of €64.20 (Significantly Overvalued). The stock has 1 warning sign investors should review. Among 1,520 Banks companies, Crcam Loire Haute Loire ranks worse than 91.78% on this metric.
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
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. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % 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 ROE %s can be extremely high.
* 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, Crcam Loire Haute Loire's ROE %, along with its competitors' market caps and ROE % 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 % vs Banks Industry
For the Banks industry and Financial Services sector, Crcam Loire Haute Loire's ROE % distribution charts can be found below:
* The bar in red indicates where Crcam Loire Haute Loire's ROE % 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 ROE %, the net income of the last fiscal year and the average total shareholder 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.
ROE % is displayed in the 30-year financial page.
Crcam Loire Haute Loire (LTS:0ITP) has a ROE % of 0.84% as of Dec. 2025. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Crcam Loire Haute Loire and its competitors. This is 77% below median its historical median of 3.71. Over the past decade, Crcam Loire Haute Loire's ROE % has ranged from 2.15 to 6.60. According to the industry distribution chart, Crcam Loire Haute Loire ranks #1395 out of 1520 companies in the Banks industry, placing it in the top 91.8%.
Is Crcam Loire Haute Loire's ROE % too high?
Crcam Loire Haute Loire's current ROE % of 0.84% is 77% below median its 10-year median of 3.71. Over the past 10 years, this metric has ranged from a low of 2.15 to a high of 6.60. The Banks industry median ROE % is 10.26. Crcam Loire Haute Loire's value of 0.84% is 91.8% below this industry median. Based on the distribution chart, Crcam Loire Haute Loire ranks #1395 out of 1520 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Crcam Loire Haute Loire has a GF Score™ of 38/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Crcam Loire Haute Loire's ROE % compare to competitors?
According to the Banks industry distribution chart, Crcam Loire Haute Loire ranks #1395 out of 1520 companies for ROE %. This places Crcam Loire Haute Loire in the lower half of its industry. The industry median ROE % is 10.26. Crcam Loire Haute Loire's value of 0.84% is 91.8% below this benchmark. Historically, Crcam Loire Haute Loire's own ROE % has ranged from 2.15 to 6.60 over the past decade. While the company's 10-year median is 3.71 vs. the industry median of 10.26, Crcam Loire Haute Loire 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 ROE % for a Banks company?
The median ROE % among Banks companies is 10.26, based on 1,520 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Crcam Loire Haute Loire's current ROE % of 0.84% is 91.8% 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Crcam Loire Haute Loire and its competitors. For the Banks industry, the median ROE % is 10.26 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Crcam Loire Haute Loire's current ROE % is 0.84%, which is 77% below median its own 10-year median of 3.71. 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 (LTS:0ITP) is currently considered Significantly Overvalued. The stock's GF Value™ is €64.20, compared to a current price of €101.00 — trading 57.3% above its estimated fair value. The current ROE % is 0.84%, which is 77% below median its 10-year median of 3.71 and 91.8% below the Banks industry median of 10.26. Crcam Loire Haute Loire's overall GF Score™ is 38/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROE % calculated?
ROE % is calculated from a company's financial statements. For Crcam Loire Haute Loire (LTS:0ITP), the current ROE % is 0.84% 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 (LTS:0ITP) Overvalued in 2026?
Based on GuruFocus' analysis, Crcam Loire Haute Loire stock appears to be overvalued.
The current stock price of €101.00 is trading 57.3% above its estimated GF Value™ of €64.20.
GuruFocus considers Crcam Loire Haute Loire to be Significantly Overvalued.
Key valuation signals for LTS:0ITP:
ROE %: 0.84% (77% below median its 10-year median of 3.71)
GF Value™: €64.20 vs. price of €101.00 (57.3% above fair value)
Industry Position: 91.8% below the Banks median (#1395 of 1520)
No single metric tells the full story. See the LTS:0ITP stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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.
38GF Score
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