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Return on Retained Earnings (RORE) is an indicator of a company's growth potential, it shows how much a company earns by reinvesting its retained earnings, i.e. profits after dividend payments.
Caisse Regionale du Credit Agricole Mutuel du Languedoc's 3-Year RORE % for the quarter that ended in Dec. 2025 was 3.73%.
Caisse Regionale du Credit Agricole Mutuel du Languedoc (XPAR:CRLA) 3-Year RORE % Explanation
Return on Retained Earnings (RORE) is important to investors because it reveals a company's efficiency and growth potential. A higher RORE indicates a higher return. A high RORE indicates that the company should reinvest profits into the business. A lower RORE suggests that the company should distribute profits to shareholders by paying out dividends, since those dollars aren't generating much additional growth for the company.
There are a several different ways to arrive at the Return on Retained Earnings. The simplest way to calculate it is by using published information on Earnings per Share (EPS) and Dividend per Share (DPS) over a selected period. Here, 3-year period is chosen.
Be Aware
Please keep in mind that the RORE is relative to the nature of the business and its competitors. If another company in the same sector is producing a lower return on retained earnings, it doesn’t necessarily mean it’s a bad investment. It may just suggest the company is older and no longer in a high growth stage. At such a stage in the business cycle, it would be expected to see a lower RORE and higher dividend payout.
Caisse Regionale du Credit Agricole Mutuel du Languedoc 3-Year RORE % Related Terms
Caisse Regionale du Credit Agricole Mutuel du Languedoc 3-Year RORE % 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 du Credit Agricole Mutuel du Languedoc 3-Year RORE % Chart
Caisse Regionale du Credit Agricole Mutuel du Languedoc 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 du Credit Agricole Mutuel du Languedoc 3-Year RORE % 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 3-Year RORE %, the most recent and first period EPS (Diluted) is the trailing twelve months (TTM) data ended in Dec. 2025 and 3-year before.
Caisse Regionale du Credit Agricole Mutuel du Languedoc (XPAR:CRLA) has a 3-Year RORE % of 3.73 as of Dec. 2025. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on Caisse Regionale du Credit Agricole Mutuel du Languedoc and its competitors. According to the industry distribution chart, Caisse Regionale du Credit Agricole Mutuel du Languedoc ranks #976 out of 1470 companies in the Banks industry, placing it in the top 66.4%.
Is Caisse Regionale du Credit Agricole Mutuel du Languedoc's 3-Year RORE % too high?
Caisse Regionale du Credit Agricole Mutuel du Languedoc's current 3-Year RORE % is 3.73. The Banks industry median 3-Year RORE % is 9.95. Caisse Regionale du Credit Agricole Mutuel du Languedoc's value of 3.73 is 62.5% below this industry median. Based on the distribution chart, Caisse Regionale du Credit Agricole Mutuel du Languedoc ranks #976 out of 1470 companies in the Banks industry, which is below the industry midpoint. Overall, Caisse Regionale du Credit Agricole Mutuel du Languedoc has a GF Score™ of 53/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Caisse Regionale du Credit Agricole Mutuel du Languedoc's 3-Year RORE % compare to competitors?
According to the Banks industry distribution chart, Caisse Regionale du Credit Agricole Mutuel du Languedoc ranks #976 out of 1470 companies for 3-Year RORE %. This places Caisse Regionale du Credit Agricole Mutuel du Languedoc in the lower half of its industry. The industry median 3-Year RORE % is 9.95. Caisse Regionale du Credit Agricole Mutuel du Languedoc's value of 3.73 is 62.5% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year RORE % for a Banks company?
The median 3-Year RORE % among Banks companies is 9.95, based on 1,470 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year RORE % significantly above this median, while those in the bottom quartile fall well below. However, 3-Year RORE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Caisse Regionale du Credit Agricole Mutuel du Languedoc's current 3-Year RORE % of 3.73 is 62.5% 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 3-Year RORE % mean?
A high 3-Year RORE % can signal that a stock is expensive relative to its fundamentals. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on Caisse Regionale du Credit Agricole Mutuel du Languedoc and its competitors. For the Banks industry, the median 3-Year RORE % is 9.95 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Caisse Regionale du Credit Agricole Mutuel du Languedoc's current 3-Year RORE % is 3.73. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Caisse Regionale du Credit Agricole Mutuel du Languedoc stock overvalued right now?
Based on GuruFocus' analysis, Caisse Regionale du Credit Agricole Mutuel du Languedoc (XPAR:CRLA) is currently considered Significantly Overvalued. The stock's GF Value™ is €52.88, compared to a current price of €89.00 — trading 68.3% above its estimated fair value. The current 3-Year RORE % is 3.73 and 62.5% below the Banks industry median of 9.95. Caisse Regionale du Credit Agricole Mutuel du Languedoc's overall GF Score™ is 53/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year RORE % calculated?
3-Year RORE % is calculated from a company's financial statements. For Caisse Regionale du Credit Agricole Mutuel du Languedoc (XPAR:CRLA), the current 3-Year RORE % is 3.73 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 du Credit Agricole Mutuel du Languedoc (XPAR:CRLA) Overvalued in 2026?
Based on GuruFocus' analysis, Caisse Regionale du Credit Agricole Mutuel du Languedoc stock appears to be overvalued.
The current stock price of €89.00 is trading 68.3% above its estimated GF Value™ of €52.88.
GuruFocus considers Caisse Regionale du Credit Agricole Mutuel du Languedoc to be Significantly Overvalued.
Key valuation signals for XPAR:CRLA:
3-Year RORE %: 3.73
GF Value™: €52.88 vs. price of €89.00 (68.3% above fair value)
Industry Position: 62.5% below the Banks median (#976 of 1470)
No single metric tells the full story. See the XPAR:CRLA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Caisse Regionale du Credit Agricole Mutuel du Languedoc is a regional bank in France. The bank provides banking services and products in France. It has a network of approximately 102 banking outlets and 210 branches. The bank's service portfolio consists of real estate credit, consumer credit, saving account, property insurance and insurance of persons. It primarily serves individuals, enterprises, professionals and associations, among others.
53GF Score
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