Crcam Ille Et Vilaine (STU:8I10) Cyclically Adjusted PB Ratio: (As of Aug. 24, 2026)

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Director of Data and Quant Analytics at GuruFocus
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STU:8I10 Crcam Ille Et Vilaine STU:8I10
37 GF Score
Price €116.36
GF Value €62.14
Valuation Significantly Overvalued
! 2 Warning Signs
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What is Crcam Ille Et Vilaine Cyclically Adjusted PB Ratio?

Note: If the price history is too short, we do not calculate current Cyclically Adjusted PB Ratio for this stock. All the historical data is shown as the company's primary share's data instead.

Shiller PE for Stocks: The True Measure of Stock Valuation


Crcam Ille Et Vilaine  (STU:8I10) Cyclically Adjusted PB Ratio Explanation

Compared with the regular PB Ratio, which works poorly for cyclical businesses, the Cyclically Adjusted PB Ratio smoothed out the fluctuations of book value during business cycles. Therefore it is more accurate in reflecting the valuation of the company.

If a company has consistent business performance, the Cyclically Adjusted PB Ratio should give similar results to regular PB Ratio.


Crcam Ille Et Vilaine Cyclically Adjusted PB Ratio Related Terms


Crcam Ille Et Vilaine Cyclically Adjusted PB Ratio Historical Data

* Premium members only.

The historical data trend for Crcam Ille Et Vilaine's Cyclically Adjusted PB Ratio 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 PB Ratio Chart

Crcam Ille Et Vilaine Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted PB Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.25 0.16 0.18 0.20 0.29

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 PB Ratio 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 0.18 0.00 0.20 0.00 0.29

Crcam Ille Et Vilaine Cyclically Adjusted PB Ratio 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.


STU:8I10
37GF Score
Crcam Ille Et Vilaine STU:8I10
Cyclically Adjusted PB Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Crcam Ille Et Vilaine Cyclically Adjusted PB Ratio Calculation

Like the Shiller PE Ratio, the Cyclically Adjusted PB Ratio takes the Book Value per Share from the past 10 years, adjusts it for inflation, and then calculates the average. This average is then used for the P/B calculation. Because it considers this 10-year average, it's often referred to as the CAPB Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio.

Crcam Ille Et Vilaine's Cyclically Adjusted Book per Share for the fiscal year that ended in Dec25 is calculated as:

For example, Crcam Ille Et Vilaine's adjusted Book Value per Share data for the fiscal year that ended in Dec25 was:

Adj_Book=Book Value per Share/CPI of Dec25 (Change)*Current CPI (Dec25)
=449.527/120.9000*120.9000
=449.527

Current CPI (Dec25) = 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.

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.

Is Crcam Ille Et Vilaine (STU:8I10) Overvalued in 2026?

Based on GuruFocus' analysis, Crcam Ille Et Vilaine stock appears to be overvalued. The current stock price of €116.36 is trading 87.3% above its estimated GF Value™ of €62.14. GuruFocus considers Crcam Ille Et Vilaine to be Significantly Overvalued.

Key valuation signals for STU:8I10:

  • Cyclically Adjusted PB Ratio:
  • GF Value™: €62.14 vs. price of €116.36 (87.3% above fair value)
  • GF Score™: 37/100 with 2 warning signs

No single metric tells the full story. See the STU:8I10 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:UKCIV:France
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.
37GF Score

Get the complete analysis for STU:8I10

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

€116.36
Price
€62.14
GF Value