CRAP Fair Value & Analysis
Financial Services · FR · Market cap €1.1B
Fair value as of: Jul 15, 2026
From 6 valuation models · updated 26 days ago
Share price −7.7% over the past month.
Below-average quality, screening 79% undervalued on our models.
What matters now
- The large discount to fair value meets weak quality (42/100). That raises the risk this is a value trap rather than a bargain.
- The price is below even our cautious bear case (€177.31). The market is more pessimistic than our downside scenario.
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 15, 2026.
How to read this chart
60‑month range €45.19 – €173.98 · fair‑value band €177.31 – €295.52 · the €132.00 price screens below the €236.42 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 15, 2026.
Analysis
CRAP (CRAP) currently trades at €132.00, while our model-based Fair Value estimate is €236.42, implying the stock looks roughly 79.1% undervalued today. The Quality Score stands at 42/100 (below-average quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high), always confirm before acting.
Over the trailing twelve months, CRAP generated revenue of €458M at a net margin of 29.6%. It earns a return on equity of 4.1%. Net debt stands at €195M. The stock trades on a trailing P/E of 8.8. Fundamentals as of Jul 15, 2026
Our scenario range runs from €177.31 (bear case) to €295.52 (bull case); at €132.00, the current price sits below that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 22% below its 52-week high and 45% above its 52-week low, currently below its 200-day average. For context, the median of 10 Financial Services peers we cover trades at 42% fair-value upside, at 79%, CRAP screens cheaper than that median.
Fair Value models
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.
All 6 models by family
Widest divergence: Asset-Based (€348.98) versus Dividend Discount (€44.00). Highest evidence: Residual Income (76).
Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Jul 15, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 31 · Market factors (momentum, volatility) 57
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
About the company
Caisse Régionale de Crédit Agricole Mutuel Alpes Provence Société coopérative provides banking products and services in France.
Full company description
Caisse Régionale de Crédit Agricole Mutuel Alpes Provence Société coopérative provides banking products and services in France. The company offers bank accounts, savings, savings plans, and fixed-term accounts; cards; mobile payment; life insurance; stock market and financial investments; retirement savings solutions; real estate investments; and saving products. It also provides home, car and motorcycle, health and life, funeral, telecare, personal accident, civil liability, legal protection, mobile insurance, consumer credit borrower, and mortgage loan insurance. In addition, it offers agriculture banking products and services. Caisse Régionale de Crédit Agricole Mutuel Alpes Provence Société coopérative serves individuals, farmers, private banking, institutions, and real estate development sectors. The company was founded in 1885 and is based in Aix-en-Provence, France. Caisse Régionale de Crédit Agricole Mutuel Alpes Provence Société coopérative operates as a subsidiary of Crédit Agricole S.A.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
CRAP reported revenue of €1.1B in FY2025 versus €431M in FY2021, a compound +27.5%/yr. Reported net income was €135M in FY2025, compounding +3.7%/yr from FY2021.
Watch CRAP: get an alert when its fair value changes →
Peer Group
Banks - Regional · 1083 stocks
How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.
Valuation Multiples vs Banks - Regional median · lower = cheaper
Snowflake
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate (as of Jul 15, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| PT Bank Central Asia Tbk BBCA | 6,175 IDR | 6,087 IDR | -1% |
| KB Financial Group 105560 | 184,400 KRW | 213,797 KRW | +16% |
| PT Bank Rakyat Indonesia (Persero) Tbk BBRI | 2,970 IDR | 4,891 IDR | +65% |
| PT Bank Mandiri (Persero) Tbk BMRI | 4,310 IDR | 7,841 IDR | +82% |
| Banco Bradesco S.A BBD | 5,120 ARS | 10,240 ARS | +100% |
| Shinhan Financial Group 055550 | 107,900 KRW | 137,259 KRW | +27% |
| Hana Financial Group 086790 | 136,800 KRW | 193,969 KRW | +42% |
| Lloyds Banking Group LYG | 4,138 ARS | 8,275 ARS | +100% |
| Banco de Chile, CHILE | 193.10 CLP | 152.55 CLP | -21% |
| Joint Stock Commercial Bank for Foreign Trade of Vietnam, VCB | 59,400 VND | 84,201 VND | +42% |
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Price, fair value, quality and upside side by side.
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Frequently asked questions
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.
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