Caisse Régionale de Crédit Agricole Mutuel Nord de France Société coopérative (CNDF) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of Caisse Régionale de Crédit Agricole Mutuel Nord de France Société coopérative stock €26.25, price €24.49, upside +7.2%, quality 39 out of 100. Rating: fairly valued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.
Caisse Régionale de Crédit Agricole Mutuel Nord de France Société coopérative
CNDF · PA
Fairly valued,weak quality
The stock costs about what our calculation considers fair.
Highly profitable · 33.5% net margin (TTM)
3.5% dividend yield · Low payout
Ranks above peers(10/13)
Costs just 5.5 times its yearly profit.
Fair value €26.25 · Fairly valued (+7.2%)
Expensive Growth(revenue 5y +21.9 %/yr in EUR)
Moderate moat62/100 · thin data
Some data
Quality 39/100
⚠ Dilution
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 7, 2026.
How to read this chart
60‑month range €10.07 – €36.90 · fair‑value band €19.69 – €32.80 · the €24.49 price screens below the €26.25 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 7, 2026.
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Caisse Régionale de Crédit Agricole Mutuel Nord de France Société cooperative provides banking products and financial services in France. The company offers savings support products, including monetary, bonds, and securities; and loans primarily for housing and consumption.
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It also provides life insurance, as well as insurance products for banking risk, financial losses, and multi-risk, as well as coverage for civil liabilities insurance products. In addition, it offers asset management and brokerage services.
It serves individuals, farmers, professionals, businesses, and local authorities. The company was founded in 1894 and is headquartered in Lille, France. Caisse Régionale de Crédit Agricole Mutuel Nord de France Société coopérative operates as a subsidiary of Crédit Agricole S.A.
Stock analysis
Caisse Régionale de Crédit Agricole Mutuel Nord de France Société coopérative (CNDF) currently trades at €24.49, while our model-based Fair Value estimate is €26.25, so the stock looks roughly fairly valued today (gap 6.7%).
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Valuation
Bull case: the Asset-Based group reads highest at a median of €72.92 per share, and 3 of the 6 models we run sit above the €24.49 price.
Bear case: the Dividend Discount group reads lowest at €9.48, and 3 of the 6 models stay below the price. Data coverage for this calculation is medium.
Scenario range: €19.69 (bear) to €32.80 (bull), the price of €24.49 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 39/100 (below-average quality), in the Financial Services sector.
Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Caisse Régionale de Crédit Agricole Mutuel Nord de France Société coopérative reported revenue of €1.5B in FY2025 versus €620M in FY2021, a compound +23.7%/yr. Reported net income was €182M in FY2025, compounding +3.3%/yr from FY2021.
Key figures
Market cap €1.4B Small · P/E ratio 5.5 · P/S ratio 1.84 · EPS (TTM) €4.23 · Dividend yield 3.5% · Net margin 33.5% · Return on equity 4.1% · Return on assets (EBIT) 1.1% (5-year average).
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 62 out of 100 (low confidence).
What moves the price
The share trades about 34% below its 52-week high and 10% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at 7%, CNDF screens cheaper than that median.
Fair Value models
Bear€19.69Fair Value €26.25Bull€32.80
Price €24.49 · Upside +7.2%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then (€2.89 per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Best data coverage
Residual Income€71.52€71.64€75.6076
Gordon GGM€5.33€10.01€14.3267
DDM Multi-Stage€5.33€8.94€10.6567
All 6 models by family
Dividend Discount
Gordon GGM€5.33€10.01€14.3267
DDM Multi-Stage€5.33€8.94€10.6567
Multiples
P/E Multiple€30.89€41.19€51.4863
P/B Multiple€15.42€20.56€25.7055
Asset-Based
NCAV (Graham)€54.42€72.92€108.8454
Economic Profit
Residual Income€71.52€71.64€75.6076
The fair value above starts from this blend and is adjusted for dilution from new shares.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.62/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
+121.5%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+31.8%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+21.9%
Start year 2020 (pandemic)
Revenue growth 6 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+17.1%
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What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
Compare Caisse Régionale de Crédit Agricole Mutuel Nord de France Société coopérative with another stock
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 998 stocks
Beats the industry median on 9/12 measures
Overall it ranks above its industry peers.
Valuation
Quality Score39 · Bottom 25%
Fair Value upside+7.2% · Top 25%
Profitability
Return on equity (12 months)4.1% · Bottom 25%
Return on assets0.5% · Bottom 25%
Net margin (12 months)33.5% · Above median
Operating margin (12 months)50.6% · Above median
Growth and dividend
Revenue growth (quarter YoY)25.8% · Top 25%
Dividend yield (12 months)3.5% · Above median
Valuation Multiplesvs Banks - Regional median · lower = cheaper
P/E (12 months)5.5× · Cheapest 25%
P/B0.22× · Cheapest 25%
P/S (12 months)1.84× · Cheapest 25%
PEG0.30× · Cheapest 25%
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)43· sector 8
FUTURE (revenue growth)100· sector 47
PAST (return on equity)16· sector 43
HEALTH (low debt)–
DIVIDEND (yield)69· sector 53
HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "Caisse Régionale de Crédit Agricole Mutuel Nord de France Société coopérative Fair Value". https://www.fairvalue-calculator.com/stock/CNDF
Frequently asked questions
Is Caisse Régionale de Crédit Agricole Mutuel Nord de France Société coopérative (CNDF) overvalued or undervalued?
As of Nov 7, 2026, our model estimates a fair value of €26.25 versus a price of €24.49, about +7% upside (fairly valued).
What is the fair value of CNDF?
Our model-based fair value for Caisse Régionale de Crédit Agricole Mutuel Nord de France Société coopérative is €26.25 (as of Nov 7, 2026), built from audited fundamentals. The current price: €24.49.
What is the quality score of CNDF?
Caisse Régionale de Crédit Agricole Mutuel Nord de France Société coopérative has a Quality Score of 39/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Caisse Régionale de Crédit Agricole Mutuel Nord de France Société coopérative (CNDF)?
Our model-based price target is the fair value of €26.25 (as of Nov 7, 2026) from 6 valuation models. Cautious scenario €19.69, optimistic scenario €32.80. It is a calculation from audited fundamentals, not an analyst target.
What is the Caisse Régionale de Crédit Agricole Mutuel Nord de France Société coopérative stock forecast for 2026?
Our models put fair value at €26.25, about +7% upside versus a price of €24.49 (fairly valued). Cautious scenario €19.69, optimistic scenario €32.80. The calculation is refreshed regularly with new filings.
What is the revenue of Caisse Régionale de Crédit Agricole Mutuel Nord de France Société coopérative (CNDF)?
Caisse Régionale de Crédit Agricole Mutuel Nord de France Société coopérative reported trailing-twelve-month revenue of about €764M (latest available figure, as of Nov 7, 2026).
Does Caisse Régionale de Crédit Agricole Mutuel Nord de France Société coopérative pay a dividend?
Caisse Régionale de Crédit Agricole Mutuel Nord de France Société coopérative currently shows a dividend yield of 3.47% relative to its recent price (as of Nov 7, 2026).
How much is the dividend of Caisse Régionale de Crédit Agricole Mutuel Nord de France Société coopérative (CNDF) and when is the ex-dividend date?
Caisse Régionale de Crédit Agricole Mutuel Nord de France Société coopérative pays a dividend of €0.85 per share a year, a dividend yield of 3.5%. The last ex-dividend date was Apr 30, 2026. A dividend has been paid every year since at least 2004. The payout ratio is 20.1% of earnings. Our assessment: Low payout. A low payout ratio: the dividend takes at most 60 % of earnings. Whether free cash flow covers it as well, we cannot see for this company.
What is the intrinsic value of Caisse Régionale de Crédit Agricole Mutuel Nord de France Société coopérative (CNDF)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Caisse Régionale de Crédit Agricole Mutuel Nord de France Société coopérative it is €26.25 per share (as of Nov 7, 2026), against a price of €24.49. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is Caisse Régionale de Crédit Agricole Mutuel Nord de France Société coopérative stock overvalued or undervalued in 2026?
As of Nov 7, 2026, CNDF trades below its calculated fair value: price €24.49, fair value €26.25, a gap of about +7% (fairly valued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of CNDF?
No. The price is what the market pays today (€24.49); the fair value is what the company's own numbers justify (€26.25). For Caisse Régionale de Crédit Agricole Mutuel Nord de France Société coopérative the two are €1.76 per share apart. That gap is exactly why we show both numbers side by side.
How much is Caisse Régionale de Crédit Agricole Mutuel Nord de France Société coopérative worth?
The market values Caisse Régionale de Crédit Agricole Mutuel Nord de France Société coopérative at about €1.4B (market capitalisation, as of Nov 7, 2026). Per share that is €24.49; our models calculate a fair value of €26.25 per share.
What do the bullish and bearish scenarios say about CNDF?
Our models span a range for Caisse Régionale de Crédit Agricole Mutuel Nord de France Société coopérative: cautious scenario €19.69, base €26.25, optimistic €32.80 per share (as of Nov 7, 2026, price €24.49). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of CNDF?
Caisse Régionale de Crédit Agricole Mutuel Nord de France Société coopérative trades at a price-to-earnings ratio of 5.5 (as of Nov 7, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of €26.25 is built from several models across several years. Other multiples: PEG 0.3, P/B 0.2, P/S 1.8.
What is the PEG ratio of CNDF?
The PEG ratio of Caisse Régionale de Crédit Agricole Mutuel Nord de France Société coopérative is 0.30 (P/E divided by earnings growth, as of Nov 7, 2026). That is below 1, so growth is priced more cheaply than the earnings multiple alone suggests.
How solid is the balance sheet of Caisse Régionale de Crédit Agricole Mutuel Nord de France Société coopérative (CNDF)?
Balance-sheet figures for Caisse Régionale de Crédit Agricole Mutuel Nord de France Société coopérative (as of Nov 7, 2026): return on equity 4.1%. They feed the Quality Score of 39/100, which measures business quality independently of the share price.
How far is CNDF from its 52-week high?
Caisse Régionale de Crédit Agricole Mutuel Nord de France Société coopérative trades at €24.49, about 34% below its 52-week high of €36.90 and 10% above the low of €22.22 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of €26.25 is for.
Which stocks are comparable to Caisse Régionale de Crédit Agricole Mutuel Nord de France Société coopérative?
From the same area (Financial Services) we also value China Merchants Bank Co, DBS Group, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Caisse Régionale de Crédit Agricole Mutuel Nord de France Société coopérative stock attractive at the current price?
The data as of Nov 7, 2026: price €24.49, calculated fair value €26.25 (+7%), Quality Score 39/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of CNDF calculated?
We run Caisse Régionale de Crédit Agricole Mutuel Nord de France Société coopérative through 6 models from 4 families: Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of €26.25 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.0% above its aggregate fair value. Caisse Régionale de Crédit Agricole Mutuel Nord de France Société coopérative currently trades 7% below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Caisse Régionale de Crédit Agricole Mutuel Nord de France Société coopérative (CNDF)?
The closing price on Nov 6, 2026 was €24.49. Our model-based fair value is €26.25, about +7% upside (fairly valued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Caisse Régionale de Crédit Agricole Mutuel Nord de France Société coopérative right now?
The price sits close to our fair value, market and models broadly agree here, little valuation tension. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Key figures of Caisse Régionale de Crédit Agricole Mutuel Nord de France Société coopérative
How large is the market capitalisation of Caisse Régionale de Crédit Agricole Mutuel Nord de France Société coopérative (CNDF)?
The market capitalisation of Caisse Régionale de Crédit Agricole Mutuel Nord de France Société coopérative is €1.4B. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Caisse Régionale de Crédit Agricole Mutuel Nord de France Société coopérative (CNDF)?
The price-to-sales ratio of Caisse Régionale de Crédit Agricole Mutuel Nord de France Société coopérative is 1.84 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Caisse Régionale de Crédit Agricole Mutuel Nord de France Société coopérative (CNDF)?
Earnings per share at Caisse Régionale de Crédit Agricole Mutuel Nord de France Société coopérative are €4.23 (price ÷ EPS = P/E 5.5). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Caisse Régionale de Crédit Agricole Mutuel Nord de France Société coopérative (CNDF)?
The dividend yield of Caisse Régionale de Crédit Agricole Mutuel Nord de France Société coopérative is 3.5% (payout 20.1%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Caisse Régionale de Crédit Agricole Mutuel Nord de France Société coopérative (CNDF)?
The net margin of Caisse Régionale de Crédit Agricole Mutuel Nord de France Société coopérative is 33.5% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Caisse Régionale de Crédit Agricole Mutuel Nord de France Société coopérative (CNDF)?
The return on equity (ROE) of Caisse Régionale de Crédit Agricole Mutuel Nord de France Société coopérative is 4.1% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Caisse Régionale de Crédit Agricole Mutuel Nord de France Société coopérative (CNDF)?
On an EBIT basis the return on assets of Caisse Régionale de Crédit Agricole Mutuel Nord de France Société coopérative is 1.1% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Caisse Régionale de Crédit Agricole Mutuel Nord de France Société coopérative (CNDF)?
The operating margin of Caisse Régionale de Crédit Agricole Mutuel Nord de France Société coopérative is 50.6% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Caisse Régionale de Crédit Agricole Mutuel Nord de France Société coopérative (CNDF)?
Revenue at Caisse Régionale de Crédit Agricole Mutuel Nord de France Société coopérative is growing +25.8% versus a year earlier (3y avg +31.8%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Caisse Régionale de Crédit Agricole Mutuel Nord de France Société coopérative (CNDF)?
Earnings per share at Caisse Régionale de Crédit Agricole Mutuel Nord de France Société coopérative are growing +19.1% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Caisse Régionale de Crédit Agricole Mutuel Nord de France Société coopérative (CNDF) generate?
The free cash flow of Caisse Régionale de Crédit Agricole Mutuel Nord de France Société coopérative is −€154M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net cash does Caisse Régionale de Crédit Agricole Mutuel Nord de France Société coopérative (CNDF) hold?
Caisse Régionale de Crédit Agricole Mutuel Nord de France Société coopérative holds more cash than debt, €2.6B net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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Some data
Nov 7, 2026