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Investlytic score: 3/5 criteria met. Data as of 01/11/2026.
- ❌ Price trend failed
- ✅ Growth passed
- ✅ Debt passed
- ✅ P/E passed
- ❌ Correction failed
Price trend
Overall trend (8 years): insufficient progression (less than x1.5).
Price change 2018 → 2019: 28.15%
Price change 2019 → 2020: -24.99%
Price change 2020 → 2021: -4.40%
Price change 2021 → 2022: -19.02%
Price change 2022 → 2023: -22.70%
Price change 2023 → 2024: 13.86%
Price change 2024 → 2025: 93.60%
Price change 2025 → 2026: -18.37%
Price change 2026 (year to date): -16.19%
Financial growth
Revenue CAGR (7 years): 17.14%
Earnings CAGR (7 years): 4.28%
Growth status: positive trend (>1%/yr) in revenue and earnings.
Debt
Debt-to-equity ratio: 0.02
Debt/equity < 0.5 (maximum threshold).
P/E (Price/Earnings)
P/E ratio: 5.19
P/E < 25.0 (maximum threshold).
Correction (6 months)
Current correction: 37.72% from the high over 6 months.
Excessive correction (> 20.0%).
Criteria of the Investlytic model
- / 5Free with the Investlytic logo. Paste this line into your page: options.
<script src="https://investlytic.co/encart.js" data-symbole="CNDF.PA" data-lang="en"></script>Price trend
Price & trend
Interactive chart →💰 Dividend
Dividend ranking →⚖️ Comparison with the market
All stocks →| Stock | P/E | Dette/FP | Revenue growth | Rating |
|---|---|---|---|---|
| Caisse Régionale de Crédit Agricole Mutuel Nord de France Société coopérative | 5.2 | 0.02 | +17.1 % | 🔒 |
| Coface S.A. | 10.9 | 1.06 | +0.8 % | – |
| Orient Corporation | 11.2 | 8.28 | +0.7 % | – |
| Eurazeo SE | – | 0.20 | −14.3 % | – |
| Wendel | – | 1.89 | +2.4 % | – |
Data from the Investlytic screener. The rating of the stock being viewed is reserved for members.
Detailed analysis · Price trend
-
Revenues & profits
Revenue and net income
Financial indicators
Annual financial statements
| Fiscal year | Revenue | Net income | Net margin | EPS | Revenue growth |
|---|
Key reported figures
Revenue, net income and net margin reported by Caisse Regionale de Credit Agricole Mutuel Nord de France Cert.Coop.d'Inv. over the latest fiscal years.
| Fiscal year | Revenue | Net income | Net margin | Revenue growth |
|---|---|---|---|---|
| 2020 | 602 m | 113 m | 18.7 % | n/a |
| 2021 | 692 m | 179 m | 25.8 % | +14.9 % |
| 2022 | 708 m | 189 m | 26.8 % | +2.3 % |
| 2023 | 671 m | 152 m | 22.7 % | -5.1 % |
| 2024 | 732 m | 193 m | 26.3 % | +9.1 % |
| 2025 | 1.6 bn | 203 m | 12.5 % | +121.5 % |
Amounts converted to USD. Source: published annual accounts, collected on 06/11/2026.
Accounts and financial health
Balance sheet and cash flow published by Caisse Regionale de Credit Agricole Mutuel Nord de France Cert.Coop.d'Inv. over the last fiscal years, strength scores and valuation by discounted cash flow (DCF).
| Fiscal year | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Cash and investments | 587 m | 4.4 bn | 3.1 bn | 3.1 bn | 2.8 bn |
| Total Debt | 148 m | 220 m | 150 m | 153 m | 131 m |
| Net Debt | -413 m | -4.2 bn | -2.9 bn | -3.1 bn | -2.6 bn |
| Equity | 5.2 bn | 5.1 bn | 5.4 bn | 5.7 bn | 6.3 bn |
| Total assets | 37.1 bn | 40.8 bn | 38.3 bn | 38.2 bn | 39.4 bn |
| Operating cash flow | 1.6 bn | -320 m | -695 m | -726 m | -154 m |
| Investments (capex) | 21.8 m | 29.2 m | 30.5 m | 17.1 m | -12.8 m |
| Free cash-flow | 1.5 bn | -349 m | -725 m | -743 m | -154 m |
| Share buybacks | 0 | 55,000 | 468,000 | 20.7 m | 0 |
| Dividends paid | 41.6 m | 43.8 m | 30.4 m | 37.3 m | 0 |
Amounts in EUR, currency of the published accounts.
Trailing 12-month ratios
Altman Z: default risk estimated from the balance sheet and earnings. Piotroski: 9 tests on profitability, debt and efficiency. DCF: estimated value from discounted future cash flows, a model and not a forecast. Source: annual accounts published by the company, data as of 09/11/2026.
Valuation and competitors
Caisse Regionale de Credit Agricole Mutuel Nord de France Cert.Coop.d'Inv. compared with its sector on the same exchange and with its main competitors.
Direct competitors
| Company | Market cap (USD) | P/E | Net margin |
|---|---|---|---|
| Caisse Regionale de Credit Agricole Mutuel Nord de France Cert.Coop.d'Inv. | 1.6 bn | 5.5 | 12.5 % |
| Caisse régionale de Crédit Agricole Mutuel Loire Haute-Loire - Société coopérative CRLO.PA | 91.4 m | 9.8 | 8.3 % |
| Caisse Régionale de Crédit Agricole Mutuel de Paris et d'Ile-de-France CAF.PA | 778 m | 9.4 | 8.0 % |
| Caisse Régionale de Crédit Agricole Mutuel de Normandie-Seine Société coopérative CCN.PA | 140 m | 8.6 | 8.9 % |
| Caisse Régionale de Crédit Agricole Mutuel Alpes Provence Société coopérative CRAP.PA | 82.4 m | 5.8 | 11.9 % |
| Caisse Régionale de Crédit Agricole Mutuel Brie Picardie Société coopérative CRBP2.PA | 496 m | 6.4 | 13.3 % |
| Caisse régionale de Crédit Agricole Mutuel Atlantique Vendée CRAV.PA | 143 m | 7.5 | 6.0 % |
| Caisse régionale de Crédit Agricole Mutuel d'Ille-et-Vilaine Société coopérative CIV.PA | 239 m | 7.6 | 6.7 % |
| Caisse Régionale de Crédit Agricole Mutuel Sud Rhône Alpes CRSU.PA | 110 m | 6.2 | 9.9 % |
| Sector median (Euronext Paris) | 12.6 |
Trailing 12-month P/E. Sector: median of companies in the same sector listed on the same exchange, collected on 09/11/2026. Competitors: comparable companies named by the data provider.
Dividends and earnings
Caisse Regionale de Credit Agricole Mutuel Nord de France Cert.Coop.d'Inv.: dividend history, last distributions, stock splits and earnings releases.
Annual dividend per share (EUR), adjusted for splits. Light bar: current year, incomplete. Red bar: lower than the previous year.
Latest ex-dividend dates
| Ex-dividend | Amount | Payment |
|---|---|---|
| 30/04/2026 | 0.850 EUR | 05/05/2026 |
| 30/04/2025 | 0.700 EUR | n/a |
| 29/04/2024 | 0.650 EUR | n/a |
| 08/05/2023 | 0.530 EUR | n/a |
| 06/05/2022 | 1.05 EUR | n/a |
| 06/05/2021 | 1.05 EUR | 10/05/2021 |
| 13/05/2019 | 1.05 EUR | n/a |
| 14/05/2018 | 1.05 EUR | n/a |
Stock splits
| Date | Operation |
|---|---|
| 02/01/2006 | split: 5 shares for 1 |
Factual data: ex-dividend history and earnings calendar, as of 05/11/2026. A past dividend does not guarantee the next one.
Who owns the stock
Free float, institutional investors, large funds, executives and elected officials: declared positions in Caisse Regionale de Credit Agricole Mutuel Nord de France Cert.Coop.d'Inv.
Sources: 13F filings (quarter shown), executives' Form 4 filings and US Congress members' disclosures, collected on 07/11/2026. Detailed disclosure obligations mainly apply to companies listed in the United States.
PEA and practical information
Frequently asked questions about Caisse Regionale de Credit Agricole Mutuel Nord de France Cert.Coop.d'Inv.
What is the Caisse Regionale de Credit Agricole Mutuel Nord de France Cert.Coop.d'Inv. share price?
Latest recorded price: 24.49 EUR on 06/11/2026, for a market cap of 1.6 bn USD.
What is the revenue of Caisse Regionale de Credit Agricole Mutuel Nord de France Cert.Coop.d'Inv.?
1.6 bn USD for fiscal year 2025, with net income of 203 m USD (net margin 12.5 %).
Does Caisse Regionale de Credit Agricole Mutuel Nord de France Cert.Coop.d'Inv. pay a dividend?
Yes. Latest dividend: 0.850 EUR per share, ex-dividend on 30/04/2026. Over 12 months: 0.850 EUR. Yield on the latest known price: 2.5 %.
What is the P/E ratio of Caisse Regionale de Credit Agricole Mutuel Nord de France Cert.Coop.d'Inv.?
Trailing 12-month P/E of 5.5, against 12.6 for the sector median on the same exchange (10-year median: 10.3).
How many employees does Caisse Regionale de Credit Agricole Mutuel Nord de France Cert.Coop.d'Inv. have?
3,040 full-time employees according to the latest published profile.
Who runs Caisse Regionale de Credit Agricole Mutuel Nord de France Cert.Coop.d'Inv.?
Laurent Martin is the company's chief executive.