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CA NORD DE FRANCE-CCI (CNDF.PA) Stock Fundamental Analysis

Europe - EPA:CNDF - FR0000185514 - Common Stock

27.535 EUR
+0.05 (+0.2%)
Last: 10/20/2025, 9:46:51 AM
Fundamental Rating

2

Taking everything into account, CNDF scores 2 out of 10 in our fundamental rating. CNDF was compared to 99 industry peers in the Banks industry. Both the profitability and financial health of CNDF have multiple concerns. CNDF is valued expensive and it does not seem to be growing.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

In the past year CNDF was profitable.
In the past year CNDF has reported a negative cash flow from operations.
In the past 5 years CNDF has always been profitable.
The reported operating cash flow has been mixed in the past 5 years: CNDF reported negative operating cash flow in multiple years.
CNDF.PA Yearly Net Income VS EBIT VS OCF VS FCFCNDF.PA Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2020 2021 2022 2023 2024 0 500M -500M 1B 1.5B

1.2 Ratios

Looking at the Return On Assets, with a value of 0.43%, CNDF is doing worse than 71.72% of the companies in the same industry.
With a Return On Equity value of 2.77%, CNDF is not doing good in the industry: 83.84% of the companies in the same industry are doing better.
Industry RankSector Rank
ROA 0.43%
ROE 2.77%
ROIC N/A
ROA(3y)0.41%
ROA(5y)0.39%
ROE(3y)2.96%
ROE(5y)2.84%
ROIC(3y)N/A
ROIC(5y)N/A
CNDF.PA Yearly ROA, ROE, ROICCNDF.PA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2020 2021 2022 2023 2024 1 2 3

1.3 Margins

The Profit Margin of CNDF (21.36%) is comparable to the rest of the industry.
In the last couple of years the Profit Margin of CNDF has remained more or less at the same level.
CNDF does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 21.36%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y0.34%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
CNDF.PA Yearly Profit, Operating, Gross MarginsCNDF.PA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2020 2021 2022 2023 2024 5 10 15 20

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3

2. Health

2.1 Basic Checks

CNDF does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, CNDF has more shares outstanding
The debt/assets ratio for CNDF is higher compared to a year ago.
CNDF.PA Yearly Shares OutstandingCNDF.PA Yearly Shares OutstandingYearly Shares Outstanding 2020 2021 2022 2023 2024 10M 20M 30M 40M 50M
CNDF.PA Yearly Total Debt VS Total AssetsCNDF.PA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2020 2021 2022 2023 2024 10B 20B 30B 40B

2.2 Solvency

There is no outstanding debt for CNDF. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC7.05%
CNDF.PA Yearly LT Debt VS Equity VS FCFCNDF.PA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2020 2021 2022 2023 2024 0 2B 4B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
CNDF.PA Yearly Current Assets VS Current LiabilitesCNDF.PA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2020 2021 2022 2023 2024 500M 1B 1.5B

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1

3. Growth

3.1 Past

The earnings per share for CNDF have decreased by -6.79% in the last year.
Measured over the past 5 years, CNDF shows a small growth in Earnings Per Share. The EPS has been growing by 2.17% on average per year.
The Revenue has decreased by -0.63% in the past year.
The Revenue has been growing slightly by 2.24% on average over the past years.
EPS 1Y (TTM)-6.79%
EPS 3Y2.17%
EPS 5YN/A
EPS Q2Q%-7.23%
Revenue 1Y (TTM)-0.63%
Revenue growth 3Y2.24%
Revenue growth 5YN/A
Sales Q2Q%-4.31%

3.2 Future

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
CNDF.PA Yearly Revenue VS EstimatesCNDF.PA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M
CNDF.PA Yearly EPS VS EstimatesCNDF.PA Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 1 2 3

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2

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 9.80 indicates a reasonable valuation of CNDF.
CNDF's Price/Earnings ratio is in line with the industry average.
CNDF is valuated cheaply when we compare the Price/Earnings ratio to 27.42, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 9.8
Fwd PE N/A
CNDF.PA Price Earnings VS Forward Price EarningsCNDF.PA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
CNDF.PA Per share dataCNDF.PA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 100 200 300

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A

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2

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 2.44%, CNDF has a reasonable but not impressive dividend return.
With a Dividend Yield of 2.44, CNDF pays less dividend than the industry average, which is at 4.86. 81.82% of the companies listed in the same industry pay a better dividend than CNDF!
CNDF's Dividend Yield is comparable with the S&P500 average which is at 2.36.
Industry RankSector Rank
Dividend Yield 2.44%

5.2 History

The dividend of CNDF decreases each year by -20.38%.
Dividend Growth(5Y)-20.38%
Div Incr Years2
Div Non Decr Years2
CNDF.PA Yearly Dividends per shareCNDF.PA Yearly Dividends per shareYearly Dividends per share 2023 2024 2025 0.2 0.4 0.6

5.3 Sustainability

DPN/A
EPS Next 2YN/A
EPS Next 3YN/A
CNDF.PA Yearly Income VS Free CF VS DividendCNDF.PA Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2020 2021 2022 2023 2024 0 500M -500M 1B 1.5B

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CA NORD DE FRANCE-CCI

EPA:CNDF (10/20/2025, 9:46:51 AM)

27.535

+0.05 (+0.2%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-25 2025-07-25
Earnings (Next)10-31 2025-10-31
Inst Owners7.65%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap444.41M
Analysts42.22
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 2.44%
Yearly Dividend0.53
Dividend Growth(5Y)-20.38%
DPN/A
Div Incr Years2
Div Non Decr Years2
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 9.8
Fwd PE N/A
P/S 0.57
P/FCF N/A
P/OCF N/A
P/B 0.07
P/tB 0.07
EV/EBITDA N/A
EPS(TTM)2.81
EY10.21%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)-60.24
FCFYN/A
OCF(TTM)-59.71
OCFYN/A
SpS47.9
BVpS370.07
TBVpS368.86
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.43%
ROE 2.77%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 21.36%
GM N/A
FCFM N/A
ROA(3y)0.41%
ROA(5y)0.39%
ROE(3y)2.96%
ROE(5y)2.84%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y0.34%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0.02
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score4
WACC7.05%
ROIC/WACCN/A
Cap/Depr(3y)113.54%
Cap/Depr(5y)107.13%
Cap/Sales(3y)3.33%
Cap/Sales(5y)3.16%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-6.79%
EPS 3Y2.17%
EPS 5YN/A
EPS Q2Q%-7.23%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-0.63%
Revenue growth 3Y2.24%
Revenue growth 5YN/A
Sales Q2Q%-4.31%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-328.92%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-401.76%
OCF growth 3YN/A
OCF growth 5YN/A