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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.
Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company. The details of how we calculate the intrinsic value of stocks are described in detail here.
The historical rank and industry rank for Credit Immobilier et Hotelier's Intrinsic Value: Projected FCF or its related term are showing as below:
CAS:CIH'
s Price-to-Projected-FCF Range Over the Past 10 Years
Min: 1.15 Med: 6.61 Max: 87.5
Current: 1.15
During the past 13 years, the highest Price-to-Intrinsic-Value-Projected-FCF of Credit Immobilier et Hotelier was 87.50. The lowest was 1.15. And the median was 6.61.
CAS:CIH's Price-to-Projected-FCF is ranked worse than 86.68% of 1306
companies
in the Banks industry
Industry Median: 0.6
vs CAS:CIH: 1.15
Credit Immobilier et Hotelier (CAS:CIH) Intrinsic Value: Projected FCF Explanation
The growth multiple is capped between 8.35 and 17.74.
Total Stockholders Equity weighting is more art than science and it should always be revisited in more detail when researching a company. Weightings from 0% to 100% to more than 100% are possible. 80% was chosen as a happy median after taking the above ideas into consideration.
Credit Immobilier et Hotelier's Price-to-Intrinsic-Value-Projected-FCF for today is calculated as
Price-to-Intrinsic-Value-Projected-FCF
=
Share Price
/
Intrinsic Value: Projected FCF
=
348.90
/
302.18795072548
=
1.15
* 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 Immobilier et Hotelier Intrinsic Value: Projected FCF Related Terms
Credit Immobilier et Hotelier Intrinsic Value: Projected FCF Historical Data
* 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 Immobilier et Hotelier Intrinsic Value: Projected FCF Chart
CAS:CIH vs USB, PNC: Intrinsic Value: Projected FCF Comparison
For the Banks - Regional subindustry, Credit Immobilier et Hotelier's Price-to-Projected-FCF, along with its competitors' market caps and Price-to-Projected-FCF 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 Immobilier et Hotelier Price-to-Projected-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Credit Immobilier et Hotelier's Price-to-Projected-FCF distribution charts can be found below:
* The bar in red indicates where Credit Immobilier et Hotelier's Price-to-Projected-FCF falls into.
Credit Immobilier et Hotelier Intrinsic Value: Projected FCF Calculation
Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company.
The details of how we calculate the intrinsic value of stocks are described in detail here.
This method smooths out the free cash flow over the past 6-7 years, multiplies the results by a growth multiple, and adds a portion of Total Stockholders Equity.
* 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.
What does a Intrinsic Value: Projected FCF of MAD302.19 mean?
Credit Immobilier et Hotelier (CAS:CIH) has a Intrinsic Value: Projected FCF of MAD302.19 as of Sep. 07, 2026. Intrinsic Value: Projected FCF is the stock value based on a projected free cash flow model. View historical data on Credit Immobilier et Hotelier and its competitors. According to the industry distribution chart, Credit Immobilier et Hotelier ranks #1132 out of 1306 companies in the Banks industry, placing it in the top 86.7%.
Is Credit Immobilier et Hotelier's Intrinsic Value: Projected FCF too high?
Credit Immobilier et Hotelier's current Intrinsic Value: Projected FCF is MAD302.19. Based on the distribution chart, Credit Immobilier et Hotelier ranks #1132 out of 1306 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Credit Immobilier et Hotelier has a GF Score™ of 50/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Credit Immobilier et Hotelier's Intrinsic Value: Projected FCF compare to USB and PNC?
According to the Banks industry distribution chart, Credit Immobilier et Hotelier ranks #1132 out of 1306 companies for Intrinsic Value: Projected FCF. This places Credit Immobilier et Hotelier in the lower half of its industry. The industry median Intrinsic Value: Projected FCF is 0.60. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Intrinsic Value: Projected FCF for a Banks company?
The median Intrinsic Value: Projected FCF among Banks companies is 0.60, based on 1,306 companies in the industry. Companies in the top quartile (top 25%) have a Intrinsic Value: Projected FCF significantly above this median, while those in the bottom quartile fall well below. However, Intrinsic Value: Projected FCF 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 Intrinsic Value: Projected FCF mean?
A high Intrinsic Value: Projected FCF can signal that a stock is expensive relative to its fundamentals. Intrinsic Value: Projected FCF is the stock value based on a projected free cash flow model. View historical data on Credit Immobilier et Hotelier and its competitors. For the Banks industry, the median Intrinsic Value: Projected FCF is 0.60 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Credit Immobilier et Hotelier's current Intrinsic Value: Projected FCF is MAD302.19. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Credit Immobilier et Hotelier stock overvalued right now?
Based on GuruFocus' analysis, Credit Immobilier et Hotelier (CAS:CIH) is currently considered Modestly Undervalued. The stock's GF Value™ is MAD398.15, compared to a current price of MAD348.90 — trading 12.4% below its estimated fair value. The current Intrinsic Value: Projected FCF is MAD302.19. Credit Immobilier et Hotelier's overall GF Score™ is 50/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Intrinsic Value: Projected FCF calculated?
Intrinsic Value: Projected FCF is calculated from a company's financial statements. For Credit Immobilier et Hotelier (CAS:CIH), the current Intrinsic Value: Projected FCF is MAD302.19 as of Sep. 07, 2026. 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 Credit Immobilier et Hotelier (CAS:CIH) Overvalued in 2026?
Based on GuruFocus' analysis, Credit Immobilier et Hotelier stock appears to be undervalued.
The current stock price of MAD348.90 is trading 12.4% below its estimated GF Value™ of MAD398.15.
GuruFocus considers Credit Immobilier et Hotelier to be Modestly Undervalued.
Key valuation signals for CAS:CIH:
Intrinsic Value: Projected FCF: MAD302.19
GF Value™: MAD398.15 vs. price of MAD348.90 (12.4% below fair value)
No single metric tells the full story. See the CAS:CIH stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Credit Immobilier et Hotelier SA provides various banking products and services. It accepts checking, currency, and current accounts; and offers funding solutions. The company also provides bank cards; saving and investment products; and bancassurance, payment, transfer, international operation, and specialized services.
50GF Score
Get the complete analysis for CAS:CIH
Intrinsic Value: Projected FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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