Crcam Ille Et Vilaine (XPAR:CIV) Cyclically Adjusted Book per Share: €365.64 (As of Dec. 2025)


XPAR:CIV Crcam Ille Et Vilaine XPAR:CIV
48 GF Score
Price €112.82
GF Value €62.97
Valuation Significantly Overvalued
! 2 Warning Signs
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What is Crcam Ille Et Vilaine Cyclically Adjusted Book per Share?

Crcam Ille Et Vilaine XPAR:CIV -1.75% 48 Cyclically Adjusted Book per Share is €365.64 as of Dec. 2025. GuruFocus rates XPAR:CIV with a GF Score™ of 48/100 and a GF Value™ of €62.97 (Significantly Overvalued). The stock has 2 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

Crcam Ille Et Vilaine's adjusted book value per share data for the fiscal year that ended in Dec. 2025 was €449.527. Add all the adjusted book value per share for the past 10 years together and divide the count will get our Cyclically Adjusted Book per Share, which is €365.64 for the trailing ten years ended in Dec. 2025.

During the past 12 months, Crcam Ille Et Vilaine's average Cyclically Adjusted Book Growth Rate was 5.50% per year. During the past 3 years, the average Cyclically Adjusted Book Growth Rate was 6.20% per year. During the past 5 years, the average Cyclically Adjusted Book Growth Rate was 7.40% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted Book Growth Rate using Cyclically Adjusted Book per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted Book Growth Rate of Crcam Ille Et Vilaine was 8.50% per year. The lowest was 6.20% per year. And the median was 6.40% per year.

As of today (2026-07-07), Crcam Ille Et Vilaine's current stock price is € 112.82. Crcam Ille Et Vilaine's Cyclically Adjusted Book per Share for the fiscal year that ended in Dec. 2025 was €365.64. Crcam Ille Et Vilaine's Cyclically Adjusted PB Ratio of today is 0.31.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of Crcam Ille Et Vilaine was 0.54. The lowest was 0.17. And the median was 0.30.


Crcam Ille Et Vilaine  (XPAR:CIV) Cyclically Adjusted Book per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted Book per Share may underestimate the company's equity. Cyclically Adjusted PB Ratio can seem to be too high even the actual PB Ratio is low.

For the Cyclically Adjusted PB Ratio, the book value of the past 10 years are inflation-adjusted and averaged. The result is used for P/B calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted PB Ratio is also called CAPB Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted book value per share of a company over the past 10 years.

Crcam Ille Et Vilaine's Cyclically Adjusted PB Ratio of today is calculated as

Cyclically Adjusted PB Ratio=Share Price/Cyclically Adjusted Book per Share
=112.82/365.64
=0.31

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of Crcam Ille Et Vilaine was 0.54. The lowest was 0.17. And the median was 0.30.


Be Aware

Cyclically Adjusted PB Ratio works better for cyclical companies. It gives you a better idea on the company's real book value.


Crcam Ille Et Vilaine Cyclically Adjusted Book per Share Related Terms


Crcam Ille Et Vilaine Cyclically Adjusted Book per Share Historical Data

* Premium members only.

The historical data trend for Crcam Ille Et Vilaine's Cyclically Adjusted Book per Share can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Crcam Ille Et Vilaine Cyclically Adjusted Book per Share Chart

Crcam Ille Et Vilaine Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted Book per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 278.17 305.64 328.98 346.61 365.64

Crcam Ille Et Vilaine Semi-Annual Data
Jun16 Dec16 Jun17 Dec17 Jun18 Dec18 Jun19 Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25
Cyclically Adjusted Book per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 328.98 0.00 346.61 0.00 365.64

Crcam Ille Et Vilaine Cyclically Adjusted Book per Share Competitor Comparison

For the Banks - Regional subindustry, Crcam Ille Et Vilaine's Cyclically Adjusted PB Ratio, along with its competitors' market caps and Cyclically Adjusted PB Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Crcam Ille Et Vilaine Cyclically Adjusted PB Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Crcam Ille Et Vilaine's Cyclically Adjusted PB Ratio distribution charts can be found below:

* The bar in red indicates where Crcam Ille Et Vilaine's Cyclically Adjusted PB Ratio falls into.


XPAR:CIV
48GF Score
Crcam Ille Et Vilaine XPAR:CIV
Cyclically Adjusted Book per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Crcam Ille Et Vilaine Cyclically Adjusted Book per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

What is Cyclically Adjusted Book per Share? How do we calculate Cyclically Adjusted Book per Share?

Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted Book per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the book value per share from 2001 through 2010.

We adjusted the 2001 book value per share data with the total inflation from 2001 through 2010 to the equivalent book value in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's book value is $1 a share in 2001, then the 2001's equivalent book value in 2010 is $1.4 a share. If Wal-Mart's book value is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 book value in 2010 is $1.35. So on and so forth, you get the equivalent book value per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted Book per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Crcam Ille Et Vilaine's adjusted Book Value per Share data for the fiscal year that ended in Dec. 2025 was:

Adj_Book=Book Value per Share /CPI of Dec. 2025 (Change)*Current CPI (Dec. 2025)
=449.527/120.9000*120.9000
=449.527

Current CPI (Dec. 2025) = 120.9000.

Crcam Ille Et Vilaine Annual Data

Book Value per Share CPI Adj_Book
201612 247.444 100.650 297.228
201712 261.388 101.850 310.278
201812 294.528 103.470 344.143
201912 313.315 104.980 360.829
202012 308.085 104.960 354.873
202112 348.943 107.850 391.166
202212 343.809 114.160 364.107
202312 371.204 118.390 379.074
202412 402.013 119.950 405.197
202512 449.527 120.900 449.527

Add all the adjusted book value per share together and divide the count will get our Cyclically Adjusted Book per Share.

What does a Cyclically Adjusted Book per Share of €365.64 mean?
Crcam Ille Et Vilaine (XPAR:CIV) has a Cyclically Adjusted Book per Share of €365.64 as of Dec. 2025. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on Crcam Ille Et Vilaine and its competitors.
Is Crcam Ille Et Vilaine's Cyclically Adjusted Book per Share too high?
Crcam Ille Et Vilaine's current Cyclically Adjusted Book per Share is €365.64. Overall, Crcam Ille Et Vilaine has a GF Score™ of 48/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Crcam Ille Et Vilaine's Cyclically Adjusted Book per Share compare to competitors?
Crcam Ille Et Vilaine's Cyclically Adjusted Book per Share of €365.64 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted Book per Share for a Banks company?
A good Cyclically Adjusted Book per Share depends on the Banks industry context. However, Cyclically Adjusted Book per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted Book per Share mean?
A high Cyclically Adjusted Book per Share can signal that a stock is expensive relative to its fundamentals. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on Crcam Ille Et Vilaine and its competitors. Crcam Ille Et Vilaine's current Cyclically Adjusted Book per Share is €365.64. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Crcam Ille Et Vilaine stock overvalued right now?
Based on GuruFocus' analysis, Crcam Ille Et Vilaine (XPAR:CIV) is currently considered Significantly Overvalued. The stock's GF Value™ is €62.97, compared to a current price of €112.82 — trading 79.2% above its estimated fair value. The current Cyclically Adjusted Book per Share is €365.64. Crcam Ille Et Vilaine's overall GF Score™ is 48/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted Book per Share calculated?
Cyclically Adjusted Book per Share is calculated from a company's financial statements. For Crcam Ille Et Vilaine (XPAR:CIV), the current Cyclically Adjusted Book per Share is €365.64 as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Crcam Ille Et Vilaine (XPAR:CIV) Overvalued in 2026?

Based on GuruFocus' analysis, Crcam Ille Et Vilaine stock appears to be overvalued. The current stock price of €112.82 is trading 79.2% above its estimated GF Value™ of €62.97. GuruFocus considers Crcam Ille Et Vilaine to be Significantly Overvalued.

Key valuation signals for XPAR:CIV:

  • Cyclically Adjusted Book per Share: €365.64
  • GF Value™: €62.97 vs. price of €112.82 (79.2% above fair value)
  • GF Score™: 48/100 with 2 warning signs

No single metric tells the full story. See the XPAR:CIV stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Crcam Ille Et Vilaine Business Description

Other Exchanges 0IN0:UK
Address 45 boulevard de la Liberte CS 64017, Rennes, FRA, 35000
Crcam Ille Et Vilaine Formerly Crédit Agricole d'Ille-et-Vilaine is involved in providing banking services in France. The company offers savings, mortgages, loans, and account management services, as well as insurance products. It serves individuals, professionals, farmers, companies, and associations.
48GF Score

Get the complete analysis for XPAR:CIV

Cyclically Adjusted Book per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€112.82
Price
€62.97
GF Value