Credit Immobilier et Hotelier SA stock PB Ratio (=1.25) is close to 10-year low of 1.15.
The historical rank and industry rank for Credit Immobilier et Hotelier's PB Ratio or its related term are showing as below:
CAS:CIH'
s PB Ratio Range Over the Past 10 Years
Min: 1.15 Med: 1.59 Max: 1.94
Current: 1.25
During the past 13 years, Credit Immobilier et Hotelier's highest PB Ratio was 1.94. The lowest was 1.15. And the median was 1.59.
CAS:CIH's PB Ratio is ranked worse than 62.8% of 1516
companies
in the Banks industry
Industry Median: 1.09
vs CAS:CIH: 1.25
During the past 3 years, the average Book Value Per Share Growth Rate was 9.20% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 9.60% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 3.50% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Credit Immobilier et Hotelier was 9.20% per year. The lowest was -4.60% per year. And the median was 3.50% per year.
Back to Basics: PB Ratio
Credit Immobilier et Hotelier (CAS:CIH) PB Ratio Explanation
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
Credit Immobilier et Hotelier PB Ratio Related Terms
Credit Immobilier et Hotelier PB Ratio 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.
For the Banks - Regional subindustry, Credit Immobilier et Hotelier's PB Ratio, along with its competitors' market caps and 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 Immobilier et Hotelier PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Credit Immobilier et Hotelier's PB Ratio distribution charts can be found below:
* The bar in red indicates where Credit Immobilier et Hotelier's PB Ratio falls into.
Credit Immobilier et Hotelier PB Ratio Calculation
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
Credit Immobilier et Hotelier (CAS:CIH) has a PB Ratio of 1.25 as of Jun. 27, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Credit Immobilier et Hotelier and its competitors. This is 21% below median its historical median of 1.59. Over the past decade, Credit Immobilier et Hotelier's PB Ratio has ranged from 1.15 to 1.94. According to the industry distribution chart, Credit Immobilier et Hotelier ranks #952 out of 1516 companies in the Banks industry, placing it in the top 62.8%.
Is Credit Immobilier et Hotelier's PB Ratio too high?
Credit Immobilier et Hotelier's current PB Ratio of 1.25 is 21% below median its 10-year median of 1.59. Over the past 10 years, this metric has ranged from a low of 1.15 to a high of 1.94. The Banks industry median PB Ratio is 1.09. Credit Immobilier et Hotelier's value of 1.25 is 14.7% above this industry median. Based on the distribution chart, Credit Immobilier et Hotelier ranks #952 out of 1516 companies in the Banks industry, which is below the industry midpoint. Overall, Credit Immobilier et Hotelier has a GF Score™ of 34/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Credit Immobilier et Hotelier's PB Ratio compare to PNC and USB?
According to the Banks industry distribution chart, Credit Immobilier et Hotelier ranks #952 out of 1516 companies for PB Ratio. This places Credit Immobilier et Hotelier in the lower half of its industry. The industry median PB Ratio is 1.09. Credit Immobilier et Hotelier's value of 1.25 is 14.7% above this benchmark. Historically, Credit Immobilier et Hotelier's own PB Ratio has ranged from 1.15 to 1.94 over the past decade. While the company's 10-year median is 1.59 vs. the industry median of 1.09, Credit Immobilier et Hotelier has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good PB Ratio for a Banks company?
The median PB Ratio among Banks companies is 1.09, based on 1,516 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Credit Immobilier et Hotelier's current PB Ratio of 1.25 is 14.7% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Credit Immobilier et Hotelier and its competitors. For the Banks industry, the median PB Ratio is 1.09 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Credit Immobilier et Hotelier's current PB Ratio is 1.25, which is 21% below median its own 10-year median of 1.59. 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 MAD414.49, compared to a current price of MAD351.00 — trading 15.3% below its estimated fair value. The current PB Ratio is 1.25, which is 21% below median its 10-year median of 1.59 and 14.7% above the Banks industry median of 1.09. Credit Immobilier et Hotelier's overall GF Score™ is 34/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For Credit Immobilier et Hotelier (CAS:CIH), the current PB Ratio is 1.25 as of Jun. 27, 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 MAD351.00 is trading 15.3% below its estimated GF Value™ of MAD414.49.
GuruFocus considers Credit Immobilier et Hotelier to be Modestly Undervalued.
Key valuation signals for CAS:CIH:
PB Ratio: 1.25 (21% below median its 10-year median of 1.59)
GF Value™: MAD414.49 vs. price of MAD351.00 (15.3% below fair value)
Industry Position: 14.7% above the Banks median (#952 of 1516)
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 Business Description
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.
34GF Score
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