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

EPA:CNDF - Euronext Paris - Matif - FR0000185514 - Common Stock - Currency: EUR

20.815  -0.01 (-0.05%)

Fundamental Rating

2

CNDF gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 91 industry peers in the Banks industry. CNDF has a bad profitability rating. Also its financial health evaluation is rather negative. CNDF does not seem to be growing, but still is valued expensively.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

CNDF had positive earnings in the past year.
CNDF had a negative operating cash flow in the past year.
CNDF had positive earnings in each of the past 5 years.
In multiple years CNDF reported negative operating cash flow during the last 5 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

CNDF's Return On Assets of 0.45% is on the low side compared to the rest of the industry. CNDF is outperformed by 71.43% of its industry peers.
Looking at the Return On Equity, with a value of 3.02%, CNDF is doing worse than 83.52% of the companies in the same industry.
Industry RankSector Rank
ROA 0.45%
ROE 3.02%
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

Looking at the Profit Margin, with a value of 21.85%, CNDF is in line with its industry, outperforming 50.55% of the companies in the same 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) 21.85%
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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1

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
CNDF has a worse debt/assets ratio than last year.
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

CNDF has a Debt/Equity ratio of 0.05. This is a healthy value indicating a solid balance between debt and equity.
CNDF's Debt to Equity ratio of 0.05 is amongst the best of the industry. CNDF outperforms 92.31% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.05
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC6.61%
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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3

3. Growth

3.1 Past

CNDF shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 25.84%, which is quite impressive.
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.
CNDF shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 8.67%.
Measured over the past years, CNDF shows a small growth in Revenue. The Revenue has been growing by 2.24% on average per year.
EPS 1Y (TTM)25.84%
EPS 3Y2.17%
EPS 5YN/A
EPS Q2Q%-5.59%
Revenue 1Y (TTM)8.67%
Revenue growth 3Y2.24%
Revenue growth 5YN/A
Sales Q2Q%3.96%

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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4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 7.01, the valuation of CNDF can be described as very cheap.
Compared to the rest of the industry, the Price/Earnings ratio of CNDF indicates a rather cheap valuation: CNDF is cheaper than 91.21% of the companies listed in the same industry.
CNDF is valuated cheaply when we compare the Price/Earnings ratio to 26.48, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 7.01
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 3.40%, CNDF has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 5.02, CNDF is paying slightly less dividend.
CNDF's Dividend Yield is a higher than the S&P500 average which is at 2.40.
Industry RankSector Rank
Dividend Yield 3.4%

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 (8/8/2025, 7:00:00 PM)

20.815

-0.01 (-0.05%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-25 2025-07-25
Earnings (Next)10-31 2025-10-31
Inst Owners7.96%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap335.95M
Analysts42.22
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 3.4%
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 7.01
Fwd PE N/A
P/S 0.42
P/FCF N/A
P/OCF N/A
P/B 0.06
P/tB 0.06
EV/EBITDA N/A
EPS(TTM)2.97
EY14.27%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)-46.03
FCFYN/A
OCF(TTM)-44.97
OCFYN/A
SpS49.05
BVpS354.53
TBVpS353.3
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.45%
ROE 3.02%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 21.85%
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-Score7
Asset Turnover0.02
Health
Industry RankSector Rank
Debt/Equity 0.05
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 73.51%
Cap/Sales 2.16%
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-Score7
WACC6.61%
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)25.84%
EPS 3Y2.17%
EPS 5YN/A
EPS Q2Q%-5.59%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)8.67%
Revenue growth 3Y2.24%
Revenue growth 5YN/A
Sales Q2Q%3.96%
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-2.41%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-4.46%
OCF growth 3YN/A
OCF growth 5YN/A