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

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

17.15  -0.25 (-1.44%)

Fundamental Rating

2

Taking everything into account, CNDF scores 2 out of 10 in our fundamental rating. CNDF was compared to 93 industry peers in the Banks industry. Both the profitability and financial health of CNDF have multiple concerns. CNDF has a expensive valuation and it also scores bad on growth.


Dividend Valuation Growth Profitability Health

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1

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.
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 0 500M -500M 1B 1.5B

1.2 Ratios

The Return On Assets of CNDF (0.45%) is worse than 66.67% of its industry peers.
The Return On Equity of CNDF (3.15%) is worse than 79.57% of its industry peers.
Industry RankSector Rank
ROA 0.45%
ROE 3.15%
ROIC N/A
ROA(3y)0.4%
ROA(5y)N/A
ROE(3y)2.98%
ROE(5y)N/A
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 1 2 3

1.3 Margins

CNDF has a Profit Margin of 22.41%. This is comparable to the rest of the industry: CNDF outperforms 50.54% of its industry peers.
In the last couple of years the Profit Margin of CNDF has grown nicely.
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) 22.41%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y7.33%
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 5 10 15 20

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2

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 about the same amout of shares outstanding than it did 1 year ago.
CNDF has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
CNDF.PA Yearly Shares OutstandingCNDF.PA Yearly Shares OutstandingYearly Shares Outstanding 2020 2021 2022 2023 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 10B 20B 30B 40B

2.2 Solvency

A Debt/Equity ratio of 0.05 indicates that CNDF is not too dependend on debt financing.
CNDF has a Debt to Equity ratio of 0.05. This is amongst the best in the industry. CNDF outperforms 92.47% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.05
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC5.42%
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 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 500M 1B 1.5B

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3

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 31.75% over the past year.
CNDF shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 10.59% yearly.
Looking at the last year, CNDF shows a small growth in Revenue. The Revenue has grown by 5.93% in the last year.
Measured over the past years, CNDF shows a small growth in Revenue. The Revenue has been growing by 3.01% on average per year.
EPS 1Y (TTM)31.75%
EPS 3Y10.59%
EPS 5YN/A
EPS Q2Q%41.83%
Revenue 1Y (TTM)5.93%
Revenue growth 3Y3.01%
Revenue growth 5YN/A
Sales Q2Q%12.94%

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 200M 400M 600M 800M
CNDF.PA Yearly EPS VS EstimatesCNDF.PA Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 1 2 3

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2

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 5.68, which indicates a rather cheap valuation of CNDF.
Based on the Price/Earnings ratio, CNDF is valued cheaply inside the industry as 89.25% of the companies are valued more expensively.
When comparing the Price/Earnings ratio of CNDF to the average of the S&P500 Index (29.35), we can say CNDF is valued rather cheaply.
Industry RankSector Rank
PE 5.68
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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3

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 3.74%, CNDF has a reasonable but not impressive dividend return.
CNDF's Dividend Yield is slightly below the industry average, which is at 5.02.
CNDF's Dividend Yield is rather good when compared to the S&P500 average which is at 2.33.
Industry RankSector Rank
Dividend Yield 3.74%

5.2 History

The dividend of CNDF decreases each year by -20.38%.
Dividend Growth(5Y)-20.38%
Div Incr Years1
Div Non Decr Years1
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 0 500M -500M 1B 1.5B

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CA NORD DE FRANCE-CCI

EPA:CNDF (3/7/2025, 7:00:00 PM)

17.15

-0.25 (-1.44%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-25 2024-10-25
Earnings (Next)04-25 2025-04-25
Inst Owners8.18%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap276.80M
Analysts42.22
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 3.74%
Yearly Dividend0.53
Dividend Growth(5Y)-20.38%
DPN/A
Div Incr Years1
Div Non Decr Years1
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 5.68
Fwd PE N/A
P/S 0.36
P/FCF N/A
P/OCF N/A
P/B 0.05
P/tB 0.05
EV/EBITDA N/A
EPS(TTM)3.02
EY17.61%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)-73.71
FCFYN/A
OCF(TTM)-72.29
OCFYN/A
SpS48.2
BVpS343.06
TBVpS341.94
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.45%
ROE 3.15%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 22.41%
GM N/A
FCFM N/A
ROA(3y)0.4%
ROA(5y)N/A
ROE(3y)2.98%
ROE(5y)N/A
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 3Y7.33%
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 101.52%
Cap/Sales 2.94%
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
WACC5.42%
ROIC/WACCN/A
Cap/Depr(3y)124.96%
Cap/Depr(5y)N/A
Cap/Sales(3y)3.6%
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)31.75%
EPS 3Y10.59%
EPS 5YN/A
EPS Q2Q%41.83%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)5.93%
Revenue growth 3Y3.01%
Revenue growth 5YN/A
Sales Q2Q%12.94%
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-107.69%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-117.07%
OCF growth 3YN/A
OCF growth 5YN/A