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

Europe - Euronext Paris - EPA:CNDF - FR0000185514 - Common Stock

26.1 EUR
0 (-0.02%)
Last: 12/4/2025, 7:00:00 PM
Fundamental Rating

2

Overall CNDF gets a fundamental rating of 2 out of 10. We evaluated CNDF against 108 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

With a Return On Assets value of 0.43%, CNDF is not doing good in the industry: 78.70% of the companies in the same industry are doing better.
The Return On Equity of CNDF (2.77%) is worse than 87.04% of its industry peers.
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

CNDF has a Profit Margin (21.36%) which is comparable to the rest of the industry.
CNDF's Profit Margin has been stable in the last couple of years.
The Operating Margin and Gross Margin are not available for CNDF so they could not be analyzed.
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.
CNDF has more shares outstanding than it did 1 year ago.
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
WACC6.95%
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.
CNDF shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 2.24% yearly.
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

With a Price/Earnings ratio of 9.29, the valuation of CNDF can be described as very reasonable.
CNDF's Price/Earnings ratio is rather cheap when compared to the industry. CNDF is cheaper than 80.56% of the companies in the same industry.
CNDF's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.41.
Industry RankSector Rank
PE 9.29
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

CNDF has a Yearly Dividend Yield of 2.66%. Purely for dividend investing, there may be better candidates out there.
CNDF's Dividend Yield is slightly below the industry average, which is at 4.70.
Compared to an average S&P500 Dividend Yield of 2.32, CNDF has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 2.66%

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 (12/4/2025, 7:00:00 PM)

26.1

0 (-0.02%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-31 2025-10-31
Earnings (Next)N/A N/A
Inst Owners7.65%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap421.25M
Revenue(TTM)773.08M
Net Income(TTM)165.16M
Analysts42.22
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 2.66%
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 9.29
Fwd PE N/A
P/S 0.54
P/FCF N/A
P/OCF N/A
P/B 0.07
P/tB 0.07
EV/EBITDA N/A
EPS(TTM)2.81
EY10.77%
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
Graham Number152.96
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
ROICexgc growth 3YN/A
ROICexgc 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
WACC6.95%
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

CA NORD DE FRANCE-CCI / CNDF.PA FAQ

What is the fundamental rating for CNDF stock?

ChartMill assigns a fundamental rating of 2 / 10 to CNDF.PA.


Can you provide the valuation status for CA NORD DE FRANCE-CCI?

ChartMill assigns a valuation rating of 2 / 10 to CA NORD DE FRANCE-CCI (CNDF.PA). This can be considered as Overvalued.


What is the profitability of CNDF stock?

CA NORD DE FRANCE-CCI (CNDF.PA) has a profitability rating of 2 / 10.


What are the PE and PB ratios of CA NORD DE FRANCE-CCI (CNDF.PA) stock?

The Price/Earnings (PE) ratio for CA NORD DE FRANCE-CCI (CNDF.PA) is 9.29 and the Price/Book (PB) ratio is 0.07.


How financially healthy is CA NORD DE FRANCE-CCI?

The financial health rating of CA NORD DE FRANCE-CCI (CNDF.PA) is 3 / 10.