Credit Agricole Alpes Provence (XPAR:CRAP) Cyclically Adjusted PB Ratio: (As of Sep. 20, 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

XPAR:CRAP Credit Agricole Alpes Provence XPAR:CRAP
44 GF Score
Price €130.12
GF Value €92.29
Valuation Significantly Overvalued
! 2 Warning Signs
View Full Analysis

What is Credit Agricole Alpes Provence Cyclically Adjusted PB Ratio?

Shiller PE for Stocks: The True Measure of Stock Valuation


Credit Agricole Alpes Provence  (XPAR:CRAP) 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.


Credit Agricole Alpes Provence Cyclically Adjusted PB Ratio Related Terms


Credit Agricole Alpes Provence Cyclically Adjusted PB Ratio Historical Data

* Premium members only.

The historical data trend for Credit Agricole Alpes Provence'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.

Credit Agricole Alpes Provence Cyclically Adjusted PB Ratio Chart

Credit Agricole Alpes Provence 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 0.18 0.19 0.22 0.32

Credit Agricole Alpes Provence Semi-Annual Data
Dec16 Jun17 Dec17 Jun18 Dec18 Jun19 Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25 Jun26
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 0.19 0.22 0.24 0.32 0.34

Credit Agricole Alpes Provence Cyclically Adjusted PB Ratio Competitor Comparison

For the Banks - Regional subindustry, Credit Agricole Alpes Provence'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.


Credit Agricole Alpes Provence Cyclically Adjusted PB Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Credit Agricole Alpes Provence's Cyclically Adjusted PB Ratio distribution charts can be found below:

* The bar in red indicates where Credit Agricole Alpes Provence's Cyclically Adjusted PB Ratio falls into.


XPAR:CRAP
44GF Score
Credit Agricole Alpes Provence XPAR:CRAP
Cyclically Adjusted PB Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Credit Agricole Alpes Provence 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.

Credit Agricole Alpes Provence's Cyclically Adjusted Book per Share for the fiscal year that ended in Dec25 is calculated as:

For example, Credit Agricole Alpes Provence'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)
=520.861/120.8900*120.8900
=520.861

Current CPI (Dec25) = 120.8900.

Credit Agricole Alpes Provence Annual Data

Book Value per Share CPI Adj_Book
201612 277.283 100.650 333.043
201712 292.624 101.850 347.328
201812 327.320 103.470 382.427
201912 347.296 104.980 399.930
202012 338.755 104.960 390.169
202112 395.049 107.850 442.814
202212 395.339 114.160 418.645
202312 425.653 118.390 434.641
202412 464.690 119.950 468.332
202512 520.861 120.890 520.861

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 Credit Agricole Alpes Provence (XPAR:CRAP) Overvalued in 2026?

Based on GuruFocus' analysis, Credit Agricole Alpes Provence stock appears to be overvalued. The current stock price of €130.12 is trading 41% above its estimated GF Value™ of €92.29. GuruFocus considers Credit Agricole Alpes Provence to be Significantly Overvalued.

Key valuation signals for XPAR:CRAP:

  • Cyclically Adjusted PB Ratio:
  • GF Value™: €92.29 vs. price of €130.12 (41% above fair value)
  • GF Score™: 44/100 with 2 warning signs

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


Credit Agricole Alpes Provence Business Description

Other Exchanges 8U40:Germany
Address 25 Chemin des Trois Cypres, Aix-en-Provence, FRA, 13097
Credit Agricole Alpes Provence is engaged in providing banking and financial services in France. It offers services to farmers, individuals and companies. It also offers insurance services such as life insurance and auto insurance.
44GF Score

Get the complete analysis for XPAR:CRAP

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

€130.12
Price
€92.29
GF Value