Caisse Régionale de Crédit Agricole Mutuel Brie Picardie Société coopérative (CRBP2.PA) | Investment Case

1. Company Snapshot

1.a. 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, businesses, companies, associations, and public authorities.The company offers savings support, life insurance investments, consumer credits, and payment services, as well as property and casualty insurance products.The company is headquartered in Amiens, France.

Caisse Régionale de Crédit Agricole Mutuel Brie Picardie Société coopérative operates as a subsidiary of Crédit Agricole S.A.

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1.b. Last Insights on CRBP2

Caisse Régionale de Crédit Agricole Mutuel Brie Picardie Société coopérative's recent performance was positively driven by its strong fundamentals and growth potential. The company has been identified as one of the undiscovered European gems with promising potential, amidst a resilient European market. With steady inflation and cautious optimism, investors are turning their attention to lesser-known opportunities. The company's ability to navigate the current economic environment and demonstrate resilience in the face of fluctuating interest rate policies and trade concerns is noteworthy.

1.c. Company Highlights

Last Price	28.23
Change Percentage	2.01%
Open	27.64
Previous Close	27.68
Market Cap ( Millions)	400
Volume	18117
Year High	33.01
Year Low	17.82
M A 50	29.64
M A 200	24.7

FCF Yield	-335.66%
Dividend Yield	3.86%
ROE	3.96%
Debt / Equity	12.32%
Net Debt / EBIDTA	4.76%
Price To Book	0.19
Price Earnings Ratio	4.99
Price To FCF	-0.3
Price To sales	0.29
EV / EBITDA	1.18

2. Transcript Summary

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3. NewsRoom

Caisse Régionale de Crédit Agricole Mutuel Brie Picardie Société coopérative Leads 3 Undiscovered European Gems with Promising Potential

Dec -02

Source:

Undiscovered Gems in Europe with Promising Potential This November 2025

Nov -03

Source:

Fope And 2 Undiscovered Gems With Strong Potential

Sep -29

Source:

Undiscovered European Gems to Watch in August 2025

Aug -26

Source:

Exploring Three Undiscovered Gems In Europe

Jul -28

Source:

Unveiling Three Undiscovered Gems in Europe with Strong Potential

Jun -27

Source:

Exploring Europe's Undiscovered Gems In May 2025

May -16

Source:

3 Undiscovered European Gems Including ChemoMetec

Apr -17

Source:

4. Business Breakdown

4.a. Revenues by Country

4.b. Revenues by Segment

5. Expected revenues mid-term growth (4.50%)

6. Segments

Retail Banking

Expected Growth: 4.5%

The growth of retail banking in Brie Picardie region is driven by increasing demand for personalized banking services, digitalization, and a growing small business sector. Caisse Régionale de Crédit Agricole Mutuel Brie Picardie Société coopérative's strong regional presence and customer-centric approach will contribute to a forecast CAGR of 4.5%.

7. Detailed Products

Current Accounts

A range of current accounts designed for individuals and businesses, offering flexible and convenient banking solutions.

Savings Accounts

A variety of savings accounts with competitive interest rates, designed to help customers achieve their long-term financial goals.

Loans and Credits

A range of loan and credit products, including personal loans, mortgages, and business loans, to support customers' financial needs.

Insurance Services

A range of insurance products, including life insurance, home insurance, and health insurance, to protect customers' assets and well-being.

Investment and Wealth Management

A range of investment products and wealth management services, designed to help customers grow their wealth and achieve their long-term financial goals.

Payment Cards

A range of payment cards, including credit cards, debit cards, and prepaid cards, offering convenient and secure payment solutions.

Business Banking

A range of banking services and products, designed to support the financial needs of businesses, including cash management, trade finance, and treasury services.

8. Caisse Régionale de Crédit Agricole Mutuel Brie Picardie Société coopérative's Porter Forces

Forces Ranking

Threat Of Substitutes

The threat of substitutes for Caisse Régionale de Crédit Agricole Mutuel Brie Picardie Société coopérative is medium due to the presence of alternative financial institutions and digital payment systems.

Bargaining Power Of Customers

The bargaining power of customers is low due to the lack of concentration of buyers and the limited ability of individual customers to influence prices.

Bargaining Power Of Suppliers

The bargaining power of suppliers is medium due to the presence of multiple suppliers of financial services and the moderate level of dependence on these suppliers.

Threat Of New Entrants

The threat of new entrants is low due to the high barriers to entry in the banking industry, including regulatory requirements and capital requirements.

Intensity Of Rivalry

The intensity of rivalry is high due to the presence of multiple competitors in the banking industry, including traditional banks and fintech companies.

9. SWOT Analysis

10. Capital Structure

10.a. Balance Sheet

10.b. Weighted Average Cost of capital

	Value
Debt Weight	82.44%
Debt Cost	3.95%
Equity Weight	17.56%
Equity Cost	6.66%
WACC	4.42%
Leverage	469.45%

11. Quality Control: Caisse Régionale de Crédit Agricole Mutuel Brie Picardie Société coopérative passed 2 out of 9 key points

Strong Liquidity

Low Deb

Strong Interest Coverage

Healthy Cash Flow

Operating Efficiency

Strong Return On Equity

Consistent Revenue Growth

Consistent Operating Cash Flow Growth

Margin Improvement

12.a Historical Valuation

12.b Price/Earnings Ratio

12.c Margin Valuation

12.d Peers Valuation

Peers Group Analysis

SpareBank 1 Ringerike Hadeland

A-Score: 8.2/10

Value: 6.9

Growth: 8.4

Quality: 6.5

Yield: 9.4

Momentum: 9.0

Volatility: 9.0

1-Year Total Return ->

TBC Bank

A-Score: 7.7/10

Value: 9.6

Growth: 5.7

Quality: 7.3

Yield: 8.8

Momentum: 10.0

Volatility: 4.7

1-Year Total Return ->

Crédit Agricole Brie Picardie

A-Score: 7.1/10

Value: 10.0

Growth: 1.7

Quality: 6.5

Yield: 8.1

Momentum: 10.0

Volatility: 6.3

1-Year Total Return ->

BTV

A-Score: 6.8/10

Value: 7.5

Growth: 7.2

Quality: 7.6

Yield: 0.6

Momentum: 8.0

Volatility: 10.0

1-Year Total Return ->

Crédit Agricole

A-Score: 6.7/10

Value: 9.1

Growth: 3.9

Quality: 6.1

Yield: 5.6

Momentum: 10.0

Volatility: 5.7

1-Year Total Return ->

ProCredit Holding

A-Score: 6.2/10

Value: 9.8

Growth: 3.9

Quality: 6.5

Yield: 8.1

Momentum: 6.0

Volatility: 2.7

1-Year Total Return ->

Peers Metrics

12.e Scoring ^Insights

12.f DCF ^BETA

Parameters

Short Term Growth

11.31%

Short term Time

10.0

Long-Term Growth

2.00%

WACC

4.42%

Caisse Régionale de Crédit Agricole Mutuel Brie Picardie Société coopérative - FR0010483768

1. Company Snapshot

1.a. Company Description

1.b. Last Insights on CRBP2

1.c. Company Highlights

Lower Quality

Less Volatile

Cheaper

Lower Growth

Weak Momentum

Medium Volatility

Average Yield

Stable Momentum

Strong Momentum

2. Transcript Summary

3. NewsRoom

4. Business Breakdown

4.a. Revenues by Country

4.b. Revenues by Segment

5. Expected revenues mid-term growth (4.50%)

6. Segments

Retail Banking

Expected Growth: 4.5%

7. Detailed Products

Current Accounts

Savings Accounts

Loans and Credits

Insurance Services

Investment and Wealth Management

Payment Cards

Business Banking

8. Caisse Régionale de Crédit Agricole Mutuel Brie Picardie Société coopérative's Porter Forces

Forces Ranking

Threat Of Substitutes

Bargaining Power Of Customers

Bargaining Power Of Suppliers

Threat Of New Entrants

Intensity Of Rivalry

9. SWOT Analysis

Strength

Weaknesses

Opportunities

Threats

10. Capital Structure

10.a. Balance Sheet

10.b. Weighted Average Cost of capital

11. Quality Control: Caisse Régionale de Crédit Agricole Mutuel Brie Picardie Société coopérative passed 2 out of 9 key points

12.a Historical Valuation

12.b Price/Earnings Ratio

12.c Margin Valuation

12.d Peers Valuation

Peers Group Analysis

Peers Metrics

12.e Scoring Insights

12.f DCF BETA

Parameters

Short Term Growth

Short term Time

Long-Term Growth

WACC

Target Price

28.23$

Current Price

28.23$

Potential

-0.00%

Expected Cash-Flows

12.e Scoring ^Insights

12.f DCF ^BETA