Caisse Régionale de Crédit Agricole Mutuel Nord de France Société coopérative (CNDF) fair value: what the stock is really worth
As of Sep 23, 2026: fair value of Caisse Régionale de Crédit Agricole Mutuel Nord de France Société coopérative €47.11, price €26.96, upside +74.7%, quality 53 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 24, 2026.
How to read this chart
60‑month range €10.07 – €36.90 · fair‑value band €35.33 – €56.25 · the €26.96 price screens below the €47.11 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 24, 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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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. 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 €26.96, while our model-based Fair Value estimate is €47.11, implying the stock looks roughly 42.8% undervalued today.
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Valuation
Bull case: the Asset-Based group reads highest at a median of €72.82 per share, and 4 of the 6 models we run sit above the €26.96 price.
Bear case: the Dividend Discount group reads lowest at €8.25, and 2 of the 6 models stay below the price. Evidence for this calculation is medium.
Scenario range: €35.33 (bear) to €56.25 (bull), the price of €26.96 sits below 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 53/100 (solid 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 €1.7B · P/E ratio 9.1 · P/S ratio 1.14 · EPS (TTM) €3.15 · Dividend yield 3.2% · Net margin 12.5% · Return on equity 3.0% · Return on assets (EBIT) 1.1%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 47 out of 100 (low confidence).
What moves the price
The share trades about 27% below its 52-week high and 19% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −38% fair-value upside, at 75%, CNDF screens cheaper than that median.
Fair Value models
Bear €35.33Fair Value €47.11Bull €56.25
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then (€1.68 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.Evidence ⓘEvidence = 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.
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.
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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 · 1074 stocks
Beats the industry median on 7/12 measures
A mixed picture versus its industry peers.
Valuation
Quality Score52 · Below median
Fair Value upside+75% · Top 25%
Profitability
Return on equity (TTM)3% · Bottom 25%
Return on assets0% · Bottom 25%
Net margin (TTM)27% · Below median
Operating margin (TTM)26% · Bottom 25%
Growth and dividend
Revenue growth13% · Above median
Dividend yield (TTM)3.2% · Above median
Valuation Multiplesvs Banks - Regional median · lower = cheaper
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 Sep 24, 2026, our model estimates a fair value of €47.11 versus a price of €26.96, about +75% upside (undervalued).
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 €47.11 (as of Sep 24, 2026), built from audited fundamentals. The current price: €26.96.
What is the quality score of CNDF?
Caisse Régionale de Crédit Agricole Mutuel Nord de France Société coopérative has a Quality Score of 53/100. 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 €47.11 (as of Sep 24, 2026) from 6 valuation models. Cautious scenario €35.33, optimistic scenario €56.25. 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 €47.11, about +75% upside versus a price of €26.96 (undervalued). Cautious scenario €35.33, optimistic scenario €56.25. 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 €671M (latest available figure, as of Sep 24, 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 about 3.15% relative to its recent price (as of Sep 24, 2026).
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 €47.11 per share (as of Sep 24, 2026), against a price of €26.96. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is Caisse Régionale de Crédit Agricole Mutuel Nord de France Société coopérative stock overvalued or undervalued in 2026?
As of Sep 24, 2026, CNDF trades below its calculated fair value: price €26.96, fair value €47.11, a gap of about +75% (undervalued). 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 (€26.96); the fair value is what the company's own numbers justify (€47.11). For Caisse Régionale de Crédit Agricole Mutuel Nord de France Société coopérative the two are €20.15 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 €1.7B (market capitalisation, as of Sep 24, 2026). Per share that is €26.96; our models calculate a fair value of €47.11 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 €35.33, base €47.11, optimistic €56.25 per share (as of Sep 24, 2026, price €26.96). 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 9.1 (as of Sep 24, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of €47.11 is built from several models across several years. Other multiples: PEG 0.3, P/B 0.3, P/S 2.8.
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 Sep 24, 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 Sep 24, 2026): return on equity 3.0%. They feed the Quality Score of 53/100, 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 €26.96, about 27% below its 52-week high of €36.90 and 19% above the low of €22.67 (as of Sep 23, 2026). Distance from the high says nothing about value: that is what the fair value of €47.11 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 DBS Group, China Merchants Bank Co, Intesa Sanpaolo S.p.A, HDFC Bank Limited, 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 Sep 24, 2026: price €26.96, calculated fair value €47.11 (+75%), Quality Score 53/100, 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 four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of €47.11, 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 14.1 % above its aggregate fair value. Caisse Régionale de Crédit Agricole Mutuel Nord de France Société coopérative currently trades 75 % 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 Sep 23, 2026 was €26.96. Our model-based fair value is €47.11, about +75% upside (undervalued). 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 is below even our cautious bear case (€35.33). The market is more pessimistic than our downside scenario. Solid quality (53/100) at a price below fair value, the discount is the argument here, not the business quality. 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 €1.7B. 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 1.14 (P/E × margin). 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 €3.15 (price ÷ EPS = P/E 9.1). 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 3.2% (payout 27.0%). 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 12.5% (fiscal year 2025). 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 3.0% (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 25.6% (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 +12.6% 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 +37.9% 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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