Caisse Régionale de Crédit Agricole Mutuel Nord de France Société coopérative (EPA:CNDF)

EPA:CNDF Statistics

Total Valuation

EPA:CNDF has a market cap or net worth of EUR 1.47 billion.

Market Cap	1.47B
Enterprise Value	n/a

Important Dates

The last earnings date was Tuesday, October 28, 2025.

Earnings Date	Oct 28, 2025
Ex-Dividend Date	Apr 30, 2025

Share Statistics

EPA:CNDF has 58.48 million shares outstanding. The number of shares has increased by 1.90% in one year.

Current Share Class	16.02M
Shares Outstanding	58.48M
Shares Change (YoY)	+1.90%
Shares Change (QoQ)	-1.83%
Owned by Insiders (%)	n/a
Owned by Institutions (%)	1.34%
Float	16.02M

Valuation Ratios

The trailing PE ratio is 6.48.

PE Ratio	6.48
Forward PE	n/a
PS Ratio	2.32
PB Ratio	0.25
P/TBV Ratio	0.25
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	n/a
EV / Sales	n/a
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	n/a

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	-0.60
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 2.88%.

Return on Equity (ROE)	2.88%
Return on Assets (ROA)	0.43%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	201,252
Profits Per Employee	52,233
Employee Count	3,284
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, EPA:CNDF has paid 15.97 million in taxes.

Income Tax	15.97M
Effective Tax Rate	8.78%

Stock Price Statistics

The stock price has increased by +84.04% in the last 52 weeks. The beta is 0.19, so EPA:CNDF's price volatility has been lower than the market average.

Beta (5Y)	0.19
52-Week Price Change	+84.04%
50-Day Moving Average	26.40
200-Day Moving Average	20.52
Relative Strength Index (RSI)	36.22
Average Volume (20 Days)	19,835

Short Selling Information

Short Interest	n/a
Short Previous Month	n/a
Short % of Shares Out	n/a
Short % of Float	n/a
Short Ratio (days to cover)	n/a

Income Statement

In the last 12 months, EPA:CNDF had revenue of EUR 636.36 million and earned 165.16 million in profits. Earnings per share was 3.89.

Revenue	636.36M
Gross Profit	636.36M
Operating Income	181.48M
Pretax Income	181.88M
Net Income	165.16M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	3.89

Balance Sheet

The company has 598.27 million in cash and 585.01 million in debt, giving a net cash position of 13.26 million or 0.23 per share.

Cash & Cash Equivalents	598.27M
Total Debt	585.01M
Net Cash	13.26M
Net Cash Per Share	0.23
Equity (Book Value)	5.98B
Book Value Per Share	102.13
Working Capital	-27.55B

Cash Flow

In the last 12 months, operating cash flow was -963.71 million and capital expenditures -8.60 million, giving a free cash flow of -972.30 million.

Operating Cash Flow	-963.71M
Capital Expenditures	-8.60M
Free Cash Flow	-972.30M
FCF Per Share	-16.63

Margins

Gross Margin	n/a
Operating Margin	28.52%
Pretax Margin	28.58%
Profit Margin	25.95%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of 0.70, which amounts to a dividend yield of 2.78%.

Dividend Per Share	0.70
Dividend Yield	2.78%
Dividend Growth (YoY)	7.69%
Years of Dividend Growth	1
Payout Ratio	22.59%
Buyback Yield	-1.90%
Shareholder Yield	0.88%
Earnings Yield	11.20%
FCF Yield	-65.95%

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

The last stock split was on January 2, 2006. It was a forward split with a ratio of 5.

Last Split Date	Jan 2, 2006
Split Type	Forward
Split Ratio	5

Scores

Altman Z-Score	n/a
Piotroski F-Score	2