CA Toulouse 31 CCIXPAR:CAT31 -4.32%38 ROE % is 2.62% as of Dec. 2025, which is 26% below its 10-year median of 3.55. GuruFocus rates XPAR:CAT31 with a GF Score™ of 38/100 and a GF Value™ of €76.03 (Significantly Overvalued). The stock has 1 warning sign investors should review. Among 1,523 Banks companies, CA Toulouse 31 CCI ranks worse than 88.31% on this metric.
The historical rank and industry rank for CA Toulouse 31 CCI's ROE % or its related term are showing as below:
XPAR:CAT31'
s ROE % Range Over the Past 10 Years
Min: 2.21 Med: 3.55 Max: 5.75
Current: 3.3
During the past 13 years, CA Toulouse 31 CCI's highest ROE % was 5.75%. The lowest was 2.21%. And the median was 3.55%.
XPAR:CAT31's ROE % is ranked worse than 88.31% of 1523
companies
in the Banks industry
Industry Median: 10.22
vs XPAR:CAT31: 3.30
CA Toulouse 31 CCI (XPAR:CAT31) 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.
CA Toulouse 31 CCI ROE % Related Terms
CA Toulouse 31 CCI ROE % Historical Data
* Premium members only.
The historical data trend for CA Toulouse 31 CCI's ROE % 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.
For the Banks - Regional subindustry, CA Toulouse 31 CCI'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.
CA Toulouse 31 CCI ROE % vs Banks Industry
For the Banks industry and Financial Services sector, CA Toulouse 31 CCI's ROE % distribution charts can be found below:
* The bar in red indicates where CA Toulouse 31 CCI'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.
CA Toulouse 31 CCI (XPAR:CAT31) 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 CA Toulouse 31 CCI and its competitors. This is 26% below median its historical median of 3.55. Over the past decade, CA Toulouse 31 CCI's ROE % has ranged from 2.21 to 5.75. According to the industry distribution chart, CA Toulouse 31 CCI ranks #1345 out of 1523 companies in the Banks industry, placing it in the top 88.3%.
Is CA Toulouse 31 CCI's ROE % too high?
CA Toulouse 31 CCI's current ROE % of 2.62% is 26% below median its 10-year median of 3.55. Over the past 10 years, this metric has ranged from a low of 2.21 to a high of 5.75. The Banks industry median ROE % is 10.22. CA Toulouse 31 CCI's value of 2.62% is 74.4% below this industry median. Based on the distribution chart, CA Toulouse 31 CCI ranks #1345 out of 1523 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, CA Toulouse 31 CCI has a GF Score™ of 38/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does CA Toulouse 31 CCI's ROE % compare to competitors?
According to the Banks industry distribution chart, CA Toulouse 31 CCI ranks #1345 out of 1523 companies for ROE %. This places CA Toulouse 31 CCI in the lower half of its industry. The industry median ROE % is 10.22. CA Toulouse 31 CCI's value of 2.62% is 74.4% below this benchmark. Historically, CA Toulouse 31 CCI's own ROE % has ranged from 2.21 to 5.75 over the past decade. While the company's 10-year median is 3.55 vs. the industry median of 10.22, CA Toulouse 31 CCI 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 10.22, 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. CA Toulouse 31 CCI's current ROE % of 2.62% is 74.4% 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 CA Toulouse 31 CCI and its competitors. For the Banks industry, the median ROE % is 10.22 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. CA Toulouse 31 CCI's current ROE % is 2.62%, which is 26% below median its own 10-year median of 3.55. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is CA Toulouse 31 CCI stock overvalued right now?
Based on GuruFocus' analysis, CA Toulouse 31 CCI (XPAR:CAT31) is currently considered Significantly Overvalued. The stock's GF Value™ is €76.03, compared to a current price of €128.00 — trading 68.4% above its estimated fair value. The current ROE % is 2.62%, which is 26% below median its 10-year median of 3.55 and 74.4% below the Banks industry median of 10.22. CA Toulouse 31 CCI'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 CA Toulouse 31 CCI (XPAR:CAT31), 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 CA Toulouse 31 CCI (XPAR:CAT31) Overvalued in 2026?
Based on GuruFocus' analysis, CA Toulouse 31 CCI stock appears to be overvalued.
The current stock price of €128.00 is trading 68.4% above its estimated GF Value™ of €76.03.
GuruFocus considers CA Toulouse 31 CCI to be Significantly Overvalued.
Key valuation signals for XPAR:CAT31:
ROE %: 2.62% (26% below median its 10-year median of 3.55)
GF Value™: €76.03 vs. price of €128.00 (68.4% above fair value)
Industry Position: 74.4% below the Banks median (#1345 of 1523)
No single metric tells the full story. See the XPAR:CAT31 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
CA Toulouse 31 CCI is engaged in providing banking services in France. It provides remote banking, factoring services, leasing services, insurance services. It offers its services to individuals, professionals, farmers and companies. It offers services to Individuals, Professionals, Farmers, Companies and Public Collectivities and Associations.
38GF Score
Get the complete analysis for XPAR:CAT31
ROE % 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:CAT31 has been successfully added to your 
