Caisse Régionale de Crédit Agricole Mutuel Brie Picardie Société coopérative (CRBP2.PA) Valuation

Valuation

Model-based estimates, not advice. The DCF is the discounted-cash-flow value per share; compare it with the price, not as a target.

DCF fair value

+263.3%

€100.06

vs €27.55 price

Levered DCF

-€977.06

After debt service

Piotroski score

5 / 9

Average

Altman Z-score

-0.84

Distress zone

Rating

B+

Overall 3 / 5

Ratios by fiscal year

Margins and yields are shares of revenue, equity or price; multiples are ×.

Metric	FY2025	FY2024	FY2023	FY2022	FY2021	FY2020	FY2019	FY2018
P/E	6.52×	5.12×	4.83×	5.16×	5.29×	9.37×	9.24×	2.09×
P/B	0.26×	0.19×	0.19×	0.21×	0.25×	0.3×	0.41×	0.1×
P/S	0.87×	0.51×	1.53×	1.51×	1.13×	2.31×	2.84×	0.69×
EV / EBITDA	67.7×	88.28×	0.39×	6.49×	6.94×	7.05×	9.99×	5.2×
Gross margin	38.8%	33.4%	100.0%	100.0%	62.3%	100.0%	100.0%	100.0%
Operating margin	17.2%	11.8%	37.4%	36.2%	27.7%	35.9%	43.0%	89.6%
Net margin	13.3%	10.1%	31.8%	29.3%	21.3%	24.7%	30.8%	32.8%
Current ratio	0.03×	0.02×	0.13×	0.02×	0.04×	0×	3.18×	2.66×
Debt / equity	3.52×	4.04×	0.07×	0.17×	0.23×	0.09×	0.27×	0.28×
Interest coverage	0.28×	0.18×	0.2×	0.68×	1.07×	0.78×	0.89×	1.95×
Dividend yield	3.7%	3.9%	5.8%	5.7%	3.7%	3.0%	1.0%	9.0%
Payout ratio	24.2%	19.5%	28.2%	29.5%	19.8%	28.0%	9.5%	18.8%

Key metrics by fiscal year

Metric	FY2025	FY2024	FY2023	FY2022	FY2021	FY2020	FY2019	FY2018
Return on equity	4.0%	3.7%	4.0%	4.1%	4.7%	3.2%	4.4%	5.0%
Return on invested capital	0.6%	1.6%	0.7%	-0.6%	-0.9%	1.1%	3.5%	10.9%
Return on assets	0.6%	0.5%	0.5%	0.4%	0.6%	0.4%	0.6%	0.6%
Free cash flow yield	6.4%	-196.6%	-129.4%	-16.8%	138.1%	61.4%	-35.7%	155.3%
Earnings yield	15.3%	20.0%	20.7%	19.4%	18.9%	10.7%	10.8%	47.9%
Enterprise value	€22.6B	€22.4B	€99M	€1.6B	€2.1B	€1.4B	€2.7B	€1.4B
Net debt / EBITDA	62.96×	84.35×	-3.39×	2.66×	3.15×	1.17×	3.76×	3.71×
Cash conversion cycle (days)	-173	-196	777	306	-956	902	889	497