Caisse Regionale de Credit Agricole Mutuel Brie Picardie (CRBP2) fair value: what the stock is really worth
We calculate from audited financials what Caisse Regionale de Credit Agricole Mutuel Brie Picardie is really worth. The fair value tells you whether the price is too high or too low, the quality score (0 to 100) how solid the business behind it is. 26 models, 37 quality factors, updated daily, free.
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CRCaisse Regionale de Credit Agricole Mutuel Brie PicardieCRBP2 · PA
Price€35.60
Fair Value€67.58
Upside+89.8%
Quality52/100
A solid business, trading 47% below our fair value of €67.58.
As of Aug 22, 2026, the fair value of Caisse Regionale de Credit Agricole Mutuel Brie Picardie is €67.58 per share against a price of €35.60, so the fair value sits 90% above the price. A model estimate from reported figures, not an analyst target.
!Mixed Growth (revenue 5y +28.3 %/yr)
✓Highly profitable · 33.6% net margin
✓Low debt · generates free cash flow
·3.23% dividend yield
✓Ranks above peers (9/14)
!Moderate moat 60/100
!Weak on past: 17 out of 100
Evidence: HighRange €50.69 to €84.48
Fair value as of: Aug 22, 2026
From 6 valuation models · updated 20 days ago
Share price −1.0% over the past month.
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69 individual criteria per stock, every one traceable See the method →
What matters now
The price is below even our cautious bear case (€50.69). The market is more pessimistic than our downside scenario.
Solid quality (52/100) at a price below fair value, the discount is the argument here, not the business quality.
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 Aug 22, 2026.
How to read this chart
60‑month range €12.98 – €41.69 · fair‑value band €50.69 – €84.48 · the €35.60 price screens below the €67.58 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Aug 22, 2026.
Caisse Regionale de Credit Agricole Mutuel Brie Picardie (CRBP2) currently trades at €35.60, while our model-based Fair Value estimate is €67.58, implying the stock looks roughly 47.3% undervalued today. The Quality Score stands at 52/100 (solid quality), in the Financial Services sector. Bull case: the Economic Profit group reads highest at a median of €74.91 per share, and 4 of the 6 models we run sit above the €35.60 price. Bear case: the Dividend Discount group reads lowest at €9.01, and 2 of the 6 models stay below the price. Evidence for this calculation is high.
Over the trailing twelve months, Caisse Regionale de Credit Agricole Mutuel Brie Picardie generated revenue of €721M at a net margin of 33.6%. Revenue grew 22.0% year over year. It earns a return on equity of 4.3%. Net debt stands at €21.0B. Fundamentals as of Aug 22, 2026
Scenario range: €50.69 (bear) to €84.48 (bull), the price of €35.60 sits below it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target. The share trades about 7% below its 52-week high and 70% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at −13% fair-value upside, at 90%, CRBP2 screens cheaper than that median.
Fair Value models
Based on fiscal year 2025 figures (about 8 months old). Earnings retained since then (€2.39 per share) are deliberately not added.
Each model values the company its own way; the fair value above is the evidence-weighted blend. Evidence (0 to 100) shows how complete a model's inputs are. How we calculate →
ModelBear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target.Evidence
Highest evidence
Residual Income best evidence€78.01€74.91€61.8176
Gordon GGM€5.47€9.86€13.5768
DDM Multi-Stage€5.47€9.01€10.5367
All 6 models by family
Dividend Discount
Gordon GGM€5.47€9.86€13.5768
DDM Multi-Stage€5.47€9.01€10.5367
Multiples
P/E Multiple€43.93€58.57€73.2263
P/B Multiple€57.45€76.60€95.7555
Asset-Based
NCAV (Graham)€55.89€74.89€111.7754
Economic Profit
Residual Income best evidence€78.01€74.91€61.8176
Widest divergence: Economic Profit (€74.91) versus Dividend Discount (€9.01). Highest evidence: Residual Income (76).
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Key figures & financial health
P/E ratio7.6as of Jul 15, 2026
P/S ratio1.01P/E × margin
EPS (TTM)€4.59price ÷ EPS = P/E 7.6
Dividend yield3.2%payout 25.1%
Net margin13.3%FY2025
Return on equity4.3%TTM
More key figures
Profitability
Return on assets (EBIT)0.6%avg 5y
Operating margin34.3%TTM
Growth
Revenue (TTM)€721MTTM
Revenue growth (YoY)+22.0%3y avg +41.5%
EPS growth (YoY)+46.0%
Balance sheet & cash flow
Free cash flow€102MFY2025
Net debt€21.0BFY2025
Figures from reported company fundamentals · as of Aug 22, 2026. TTM = trailing twelve months.
Quality Score breakdown
Overall quality52/100
Of which business quality 42
· Market factors (momentum, volatility) 73
Profitability22
Margins and returns on capital today
Quality Growth60
Are margins and returns improving?
Cashflow39
Earnings quality: real cash, not paper profit
Fin. Strength1
Balance sheet, leverage, solvency risk
Investment85
Disciplined investing over empire-building
Low Volatility85
Calm price path (market factor)
Momentum66
Price trend over the last 3–12 months (market factor)
52W Momentum70
Distance to the 52-week high (market factor)
Net Issuance82
Buybacks instead of dilution
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.
All values are scores from 0 to 100 (100 = best against fixed, research-based bands), not percentages. The three market factors (momentum, 52-week proximity, low volatility) are displayed but carry zero weight in the headline number: market sentiment is not a business property.
About the company
Caisse Régionale de Crédit Agricole Mutuel Brie Picardie Société coopérative provides a range of banking and financial products and services to individuals, farmers, professionals, companies, private banking, and public authorities and associations in France.
Full company description
Caisse Régionale de Crédit Agricole Mutuel Brie Picardie Société coopérative provides a range of banking and financial products and services to individuals, farmers, professionals, companies, private banking, and public authorities and associations in France. The company offers limited savings offers, savings booklets and term savings, real estate investments, solidarity savings and socially responsible investments, stock market and financial investments, and retirement savings solutions; bank accounts and related services, debit and credit cards, mobile payment services, and e-document services, as well as magazines. It also provides life, car and 2-wheel, personal, borrower, home, and leisure and daily, insurance products; and mortgage loans, consumer and vehicle credits, and work credits. In addition, the company offers bank accounts and payment management; fundraising activities; life and damage insurance; consulting activities; leasing and factoring; and supports and facilitates the energy and environmental transitions. The company was incorporated in 2005 and is headquartered in Amiens, France. Caisse Régionale de Crédit Agricole Mutuel Brie Picardie 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
Caisse Regionale de Credit Agricole Mutuel Brie Picardie reported revenue of €1.8B in FY2025 versus €1.0B in FY2021, a compound +15.6%/yr. Reported net income was €242M in FY2025, compounding +2.8%/yr from FY2021.
Growth Quality 75/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Latest Revenue (FY 2025)
€1.8B
Latest YoY
−7.8%
Avg. revenue growth/yr (3Y) ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump.
+41.5%
Avg. revenue growth/yr (5Y) ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump.
+28.3%
Avg. revenue growth/yr (20Y) ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump.
+5.6%
Value creation/yr (5Y) ⓘEarnings growth per share (CAGR 5 years) plus dividend yield: value created per share and year.
−8.1%
Earnings growth per share plus dividend yield: the value created per share and year.
Earnings growth per share−11.3%
Dividend yield3.2%
Trend ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.5Y −11.3% vs 10Y −9.7%, steady
Operating margin (EBIT) ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.35.9% (2020) → 17.2% (2025) · falling
Worst earnings drop76% (2022) · in EUR
⚠ Revenue per share shrinking 1.4%/yr over ~10Y (margins eroding too) ⓘStructural-decline marker: revenue PER SHARE has fallen over the last decade (robust median trend, not a single year). Backtested across 2005 to 2017, such businesses trailed the market by about 2.5 percentage points per year. Display only: it does not change the fair value or the quality score.
Revenue+15.6%/yr
FY21€1.0B
FY22€640M
FY23€626M
FY24€2.0B
FY25€1.8B
Net income+2.8%/yr
FY21€217M
FY22€187M
FY23€199M
FY24€199M
FY25€242M
Character of growth · EPS growth decomposed (2014-2025)−11.7 % p.a.
Revenue per share−4.0 %
of which total revenue +10.4 % · buybacks/dilution −13.1 %
EBIT margin−17.1 %
Tax rate+2.4 %
Residual (interest, one-offs)+8.3 %
Annual growth per factor. These are factors, not summands: multiplied they give the EPS growth rate, added they do not quite. Start and end points are 3-year averages (details on hover).
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "Caisse Regionale de Credit Agricole Mutuel Brie Picardie Fair Value". https://www.fairvalue-calculator.com/stock/CRBP2
Peer Group
Banks - Regional · 1073 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
Quality Score48 · Below median
Fair Value upside+83% · Top 25%
Profitability
Return on equity (TTM)4% · Bottom 25%
Return on assets1% · Below median
Net margin (TTM)34% · Above median
Operating margin (TTM)34% · Below median
Growth and dividend
Revenue growth22% · Top 25%
Dividend yield (TTM)3.2% · Above median
Balance sheet
Debt / equity0.03× · Lowest 25%
Valuation Multiples vs Banks - Regional median · lower = cheaper
P/E (TTM)7.6× · Cheapest 25%
P/B0.35× · Cheapest 25%
P/S (TTM)2.94× · Cheaper than median
P/FCF20.9× · Priciest 25%
EV/EBITDA6.5× · Cheaper than median
What the price implies (reverse DCF)
The inverse question: what free-cash-flow growth must Caisse Regionale de Credit Agricole Mutuel Brie Picardie deliver for ten years so that today's price is fair in our DCF model? Same formula, same discount rate as the fair value.
Implied FCF growth, 10 years+10.7 % per year
Achieved revenue growth, 5 years+28.3 % p.a.
Sector median revenue growth+8.2 %
FCF yield on price5.31 %
Discount rate (WACC) in the models9.0 %
The price demands less growth than the company recently delivered: even a weaker business would justify the price. Ranking of the largest stocks →
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.
This stockSector peers
VALUE100· sector 33
FUTURE100· sector 44
PAST17· sector 41
HEALTH99· sector 85
DIVIDEND65· sector 51
Insider activity: 40/100
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
None of the checked exposures detected
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate (as of Aug 22, 2026).
Is Caisse Regionale de Credit Agricole Mutuel Brie Picardie (CRBP2) overvalued or undervalued?
As of Aug 22, 2026, our model estimates a fair value of €67.58 versus a price of €35.60, about +90% upside (undervalued).
What is the fair value of CRBP2?
Our model-based fair value for Caisse Regionale de Credit Agricole Mutuel Brie Picardie is €67.58 (as of Aug 22, 2026), built from audited fundamentals. The current price: €35.60.
What is the quality score of CRBP2?
Caisse Regionale de Credit Agricole Mutuel Brie Picardie has a Quality Score of 52/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Caisse Regionale de Credit Agricole Mutuel Brie Picardie (CRBP2)?
Our model-based price target is the fair value of €67.58 (as of Aug 22, 2026) from 6 valuation models. Cautious scenario €50.69, optimistic scenario €84.48. It is a calculation from audited fundamentals, not an analyst target.
What is the Caisse Regionale de Credit Agricole Mutuel Brie Picardie stock forecast for 2026?
Our models put fair value at €67.58, about +90% upside versus a price of €35.60 (undervalued). Cautious scenario €50.69, optimistic scenario €84.48. The calculation is refreshed regularly with new filings.
What is the revenue of Caisse Regionale de Credit Agricole Mutuel Brie Picardie (CRBP2)?
Caisse Regionale de Credit Agricole Mutuel Brie Picardie reported trailing-twelve-month revenue of about €721M (latest available figure, as of Aug 22, 2026).
What is the net profit margin of CRBP2?
The net profit margin of Caisse Regionale de Credit Agricole Mutuel Brie Picardie is about 33.6%, meaning it keeps roughly 33.6% of revenue as net income. Based on the latest reported figures.
Does Caisse Regionale de Credit Agricole Mutuel Brie Picardie pay a dividend?
Caisse Regionale de Credit Agricole Mutuel Brie Picardie currently shows a dividend yield of about 3.23% relative to its recent price (as of Aug 22, 2026).
What growth is priced into Caisse Regionale de Credit Agricole Mutuel Brie Picardie (CRBP2)?
For today's price to be fair in a discounted-cash-flow model, Caisse Regionale de Credit Agricole Mutuel Brie Picardie would have to grow free cash flow by +10.7 % per year for ten years (discount rate 9.0 %, then 2 % perpetual growth). Over the last 5 years revenue grew +28.3 % per year. As of Aug 22, 2026.
What discount rate (WACC) does the fair value of CRBP2 use?
Our models discount Caisse Regionale de Credit Agricole Mutuel Brie Picardie at 9.0 %: a base by market capitalisation (mid), damped by beta 0.28, country premium for France. The same rate applies in all 26 models.
What is the intrinsic value of Caisse Regionale de Credit Agricole Mutuel Brie Picardie (CRBP2)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Caisse Regionale de Credit Agricole Mutuel Brie Picardie it is €67.58 per share (as of Aug 22, 2026), against a price of €35.60. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is Caisse Regionale de Credit Agricole Mutuel Brie Picardie stock overvalued or undervalued in 2026?
As of Aug 22, 2026, CRBP2 trades below its calculated fair value: price €35.60, fair value €67.58, a gap of about +90% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of CRBP2?
No. The price is what the market pays today (€35.60); the fair value is what the company's own numbers justify (€67.58). For Caisse Regionale de Credit Agricole Mutuel Brie Picardie the two are €31.98 per share apart. That gap is exactly why we show both numbers side by side.
How much is Caisse Regionale de Credit Agricole Mutuel Brie Picardie worth?
The market values Caisse Regionale de Credit Agricole Mutuel Brie Picardie at about €1.9B (market capitalisation, as of Aug 22, 2026). Per share that is €35.60; our models calculate a fair value of €67.58 per share.
What do the bullish and bearish scenarios say about CRBP2?
Our models span a range for Caisse Regionale de Credit Agricole Mutuel Brie Picardie: cautious scenario €50.69, base €67.58, optimistic €84.48 per share (as of Aug 22, 2026, price €35.60). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of CRBP2?
Caisse Regionale de Credit Agricole Mutuel Brie Picardie trades at a price-to-earnings ratio of 7.6 (as of Aug 22, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of €67.58 is built from several models across several years. Other multiples: P/B 0.4, P/S 2.9, EV/EBITDA 6.5.
How solid is the balance sheet of Caisse Regionale de Credit Agricole Mutuel Brie Picardie (CRBP2)?
Balance-sheet figures for Caisse Regionale de Credit Agricole Mutuel Brie Picardie (as of Aug 22, 2026): return on equity 4.3%, debt of 0.03 per unit of equity. They feed the Quality Score of 52/100, which measures business quality independently of the share price.
How far is CRBP2 from its 52-week high?
Caisse Regionale de Credit Agricole Mutuel Brie Picardie trades at €35.60, about 7% below its 52-week high of €38.18 and 70% above the low of €20.94 (as of Aug 22, 2026). Distance from the high says nothing about value: that is what the fair value of €67.58 is for.
Which stocks are comparable to Caisse Regionale de Credit Agricole Mutuel Brie Picardie?
From the same area (Financial Services) we also value DBS Group, China Merchants Bank Co, Intesa Sanpaolo S.p.A, HDFC Bank Limited, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Caisse Regionale de Credit Agricole Mutuel Brie Picardie stock attractive at the current price?
The data as of Aug 22, 2026: price €35.60, calculated fair value €67.58 (+90%), Quality Score 52/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of CRBP2 calculated?
We run Caisse Regionale de Credit Agricole Mutuel Brie Picardie through 6 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of €67.58, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 32.6 % above its aggregate fair value. Caisse Regionale de Credit Agricole Mutuel Brie Picardie currently trades 90 % below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on <a href="/is-it-worth-investing-now/">is it worth investing now</a>.
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