Caisse Regionale de Credit Agricole Mutuel Brie Picardie (CRBP2) Fair Value & Analysis
Financial Services · FR · Market cap €1.8B · ISIN FR0010483768
What is Caisse Regionale de Credit Agricole Mutuel Brie Picardie really worth?
A solid business, trading 45% below our fair value of €67.58.
Strengths
Risks
For context
Fair value as of: Aug 22, 2026
From 6 valuation models · updated 14 days ago
Share price +0.9% over the past month.
What runs behind every stock
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 €37.00 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.
Analysis
Caisse Regionale de Credit Agricole Mutuel Brie Picardie (CRBP2) currently trades at €37.00, while our model-based Fair Value estimate is €67.58, implying the stock looks roughly 45.3% 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 €37.00 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
Our scenario range runs from €50.69 (bear case) to €84.48 (bull case); at €37.00, 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 3% below its 52-week high and 77% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at −10% fair-value upside, at 83%, CRBP2 screens cheaper than that median.
Fair Value models
This estimate rests on fiscal year 2025 figures, and about 8 months have passed since. In that time the company retained roughly €2.33 per share, which is 3.4 % of the fair value. The fair value deliberately does not add this in: the models value reported figures, not a projection.
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted, family-balanced 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. Every input is real reported data, nothing guessed.
All 6 models by family
Widest divergence: Economic Profit (€74.91) versus Dividend Discount (€9.01). Highest evidence: Residual Income (76).
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Aug 22, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 42 · Market factors (momentum, volatility) 77
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.
of which total revenue +10.4 % · buybacks/dilution −13.1 %
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).
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Peer Group
Banks - Regional · 1071 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
Strength profile in five axes (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.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate (as of Aug 22, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| DBS Group D05 | 75.65 SGD | 40.48 SGD | −46% |
| China Merchants Bank Co 3968 | HK$47.96 | HK$76.51 | +60% |
| Intesa Sanpaolo S.p.A ISP | €6.78 | €5.66 | −17% |
| HDFC Bank Limited HDB | $23.17 | $24.12 | +4% |
| BNP Paribas SA BNP | €102.56 | €144.64 | +41% |
| UniCredit S.p.A UCG | €84.71 | €77.62 | −8% |
| Mizuho Financial Group MFG | $10.74 | $9.69 | −10% |
| ICICI Bank Limited ICICIBANK | ₹1,443 | ₹835.21 | −42% |
| Oversea-Chinese Banking Corporation O39 | 31.07 SGD | 19.80 SGD | −36% |
| CaixaBank, S.A CABK | €13.52 | €8.85 | −35% |
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