CA NORD DE FRANCE-CCI (CNDF.PA) Stock Fundamental Analysis
EPA:CNDF - FR0000185514 - Common Stock
21.74 EUR
-0.45 (-2.01%)
We assign a fundamental rating of 2 out of 10 to CNDF. CNDF was compared to 96 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.
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.
Each year in the past 5 years CNDF has been profitable.
In multiple years CNDF reported negative operating cash flow during the last 5 years.
1.2 Ratios
The Return On Assets of CNDF (0.45%) is worse than 71.88% of its industry peers.
Looking at the Return On Equity, with a value of 3.02%, CNDF is doing worse than 80.21% of the companies in the same industry.
| Industry Rank | Sector 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
1.3 Margins
Looking at the Profit Margin, with a value of 21.85%, CNDF is in line with its industry, outperforming 47.92% of the companies in the same 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 Rank | Sector 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
2. Health
2.1 Basic Checks
CNDF does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for CNDF has been increased compared to 1 year ago.
The debt/assets ratio for CNDF is higher compared to a year ago.
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.
With an excellent Debt to Equity ratio value of 0.05, CNDF belongs to the best of the industry, outperforming 91.67% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.05 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC6.67%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 25.84% over the past year.
CNDF shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 2.17% yearly.
Looking at the last year, CNDF shows a quite strong growth in Revenue. The Revenue has grown by 8.67% in the last year.
The Revenue has been growing slightly by 2.24% on average over the past years.
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.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 7.32, the valuation of CNDF can be described as very cheap.
Based on the Price/Earnings ratio, CNDF is valued cheaply inside the industry as 84.38% of the companies are valued more expensively.
Compared to an average S&P500 Price/Earnings ratio of 26.90, CNDF is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.32 | ||
| Fwd PE | N/A |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
CNDF has a Yearly Dividend Yield of 2.93%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 5.01, CNDF is paying slightly less dividend.
CNDF's Dividend Yield is a higher than the S&P500 average which is at 2.32.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.93% |
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
5.3 Sustainability
DPN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPA:CNDF (9/3/2025, 12:20:02 PM)
21.74
-0.45 (-2.01%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners7.96%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap350.88M
Analysts42.22
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.93% |
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 Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.32 | ||
| Fwd PE | N/A | ||
| P/S | 0.44 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.06 | ||
| P/tB | 0.06 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.97
EY13.66%
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 Rank | Sector 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 Rank | Sector 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
WACC6.67%
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