CRBP2 Fair Value & Analysis

Financial Services · FR · Market cap €1.8B

A solid business, screening 61% undervalued on our models.

What matters now

• The price is below even our cautious bear case (€43.93). 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 Jul 15, 2026.

How to read this chart

60‑month range €12.98 – €41.69 · fair‑value band €43.93 – €73.22 · the €36.43 price screens below the €58.57 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 15, 2026.

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Analysis

CRBP2 (CRBP2) currently trades at €36.43, while our model-based Fair Value estimate is €58.57, implying the stock looks roughly 60.8% undervalued today. The Quality Score stands at 52/100 (solid 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, CRBP2 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 Jul 15, 2026

Our scenario range runs from €43.93 (bear case) to €73.22 (bull case); at €36.43, 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 5% below its 52-week high and 74% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at 42% fair-value upside, at 61%, CRBP2 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.

Widest divergence: Economic Profit (€74.91) versus Dividend Discount (€9.01). Highest evidence: Residual Income (76).

Key figures & financial health

Quality Score breakdown

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

CRBP2 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.

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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.

Insider activity: 40/100

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.

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10 more Banks - Regional stocks, each showing price versus our Fair Value estimate (as of Jul 15, 2026).

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Frequently asked questions

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.