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STU:7MQ0's ROE % is ranked worse than 85.88% of 1523
companies
in the Banks industry
Industry Median: 10.27
vs STU:7MQ0: 4.26
Caisse Regionale de Credit Agricole Mutuel de Brie Picardy (STU:7MQ0) ROE % Explanation
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.
Caisse Regionale de Credit Agricole Mutuel de Brie Picardy ROE % Related Terms
Caisse Regionale de Credit Agricole Mutuel de Brie Picardy ROE % 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.
Caisse Regionale de Credit Agricole Mutuel de Brie Picardy ROE % Chart
Caisse Regionale de Credit Agricole Mutuel de Brie Picardy Annual Data
* 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.
Caisse Regionale de Credit Agricole Mutuel de Brie Picardy ROE % vs Banks Industry
* 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.
Caisse Regionale de Credit Agricole Mutuel de Brie Picardy (STU:7MQ0) has a ROE % of 2.62% 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 Caisse Regionale de Credit Agricole Mutuel de Brie Picardy and its competitors. This is 41% below median its historical median of 4.41. Over the past decade, Caisse Regionale de Credit Agricole Mutuel de Brie Picardy's ROE % has ranged from 3.17 to 5.41. According to the industry distribution chart, Caisse Regionale de Credit Agricole Mutuel de Brie Picardy ranks #1308 out of 1523 companies in the Banks industry, placing it in the top 85.9%.
Is Caisse Regionale de Credit Agricole Mutuel de Brie Picardy's ROE % too high?
Caisse Regionale de Credit Agricole Mutuel de Brie Picardy's current ROE % of 2.62% is 41% below median its 10-year median of 4.41. Over the past 10 years, this metric has ranged from a low of 3.17 to a high of 5.41. The Banks industry median ROE % is 10.27. Caisse Regionale de Credit Agricole Mutuel de Brie Picardy's value of 2.62% is 74.5% below this industry median. Based on the distribution chart, Caisse Regionale de Credit Agricole Mutuel de Brie Picardy ranks #1308 out of 1523 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Caisse Regionale de Credit Agricole Mutuel de Brie Picardy has a GF Score™ of 33/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Caisse Regionale de Credit Agricole Mutuel de Brie Picardy's ROE % compare to competitors?
According to the Banks industry distribution chart, Caisse Regionale de Credit Agricole Mutuel de Brie Picardy ranks #1308 out of 1523 companies for ROE %. This places Caisse Regionale de Credit Agricole Mutuel de Brie Picardy in the lower half of its industry. The industry median ROE % is 10.27. Caisse Regionale de Credit Agricole Mutuel de Brie Picardy's value of 2.62% is 74.5% below this benchmark. Historically, Caisse Regionale de Credit Agricole Mutuel de Brie Picardy's own ROE % has ranged from 3.17 to 5.41 over the past decade. While the company's 10-year median is 4.41 vs. the industry median of 10.27, Caisse Regionale de Credit Agricole Mutuel de Brie Picardy 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 10.27, based on 1,523 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. Caisse Regionale de Credit Agricole Mutuel de Brie Picardy's current ROE % of 2.62% is 74.5% 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 Caisse Regionale de Credit Agricole Mutuel de Brie Picardy and its competitors. For the Banks industry, the median ROE % is 10.27 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Caisse Regionale de Credit Agricole Mutuel de Brie Picardy's current ROE % is 2.62%, which is 41% below median its own 10-year median of 4.41. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Caisse Regionale de Credit Agricole Mutuel de Brie Picardy stock overvalued right now?
Based on GuruFocus' analysis, Caisse Regionale de Credit Agricole Mutuel de Brie Picardy (STU:7MQ0) is currently considered Significantly Overvalued. The stock's GF Value™ is €17.82, compared to a current price of €34.53 — trading 93.8% above its estimated fair value. The current ROE % is 2.62%, which is 41% below median its 10-year median of 4.41 and 74.5% below the Banks industry median of 10.27. Caisse Regionale de Credit Agricole Mutuel de Brie Picardy's overall GF Score™ is 33/100 with 2 warning signs 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 Caisse Regionale de Credit Agricole Mutuel de Brie Picardy (STU:7MQ0), the current ROE % is 2.62% 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 Caisse Regionale de Credit Agricole Mutuel de Brie Picardy (STU:7MQ0) Overvalued in 2026?
Based on GuruFocus' analysis, Caisse Regionale de Credit Agricole Mutuel de Brie Picardy stock appears to be overvalued.
The current stock price of €34.53 is trading 93.8% above its estimated GF Value™ of €17.82.
GuruFocus considers Caisse Regionale de Credit Agricole Mutuel de Brie Picardy to be Significantly Overvalued.
Key valuation signals for STU:7MQ0:
ROE %: 2.62% (41% below median its 10-year median of 4.41)
GF Value™: €17.82 vs. price of €34.53 (93.8% above fair value)
Industry Position: 74.5% below the Banks median (#1308 of 1523)
No single metric tells the full story. See the STU:7MQ0 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Caisse Regionale de Credit Agricole Mutuel de Brie Picardy Business Description
Caisse Regionale de Credit Agricole Mutuel de Brie Picardy formerly Credit Agricole Brie Picardie is a France based regional bank within the Credit Agricole banking group. The bank provides savings, investment and credit services to individuals, agricultural enterprises and businesses in the Brie and Somme regions of France.
33GF Score
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