Caisse Régionale de Crédit Agricole Mutuel Nord de France Société coopérative

CNDF · PA · Financial Services / Banks - Regional

24.88EUR-0.62 (-2.43%)

Price History

Full chart

Market Stats

Previous Close25.50

Open25.50

Day Range24.54 – 25.65

52-Week Range22.72 – 37.80

Volume14.97K

Market Cap1.45B

P/E (TTM)7.97

Forward P/E2.23

EPS3.15

Dividend Yield3.21%

Beta0.25

50-Day Avg29.26

200-Day Avg28.33

About

Caisse Régionale de Crédit Agricole Mutuel Nord de France Société cooperative provides banking products and financial services in France. The company offers bank accounts and payment management, savings and investment solutions, and specialized services, such as leasing and factoring; insurance, including life insurance and property insurance; and corporate and investment banking. It serves individuals, professionals, farmers, businesses, and local authorities. The company was founded in 1894 and is headquartered in Lille, France. Caisse Régionale de Crédit Agricole Mutuel Nord de France Société coopérative operates as a subsidiary of Crédit Agricole S.A.

Company Details

SectorFinancial Services
IndustryBanks - Regional
CEOMr. Laurent Martin
Employees3.02K
Headquarters10 Avenue Foch, Lille, France, 59020, France
Websitehttps://communication.ca-norddefrance.fr/

Leadership

Mr. Laurent MartinManaging Director · b. 1963
Jean-Paul MamertChief Financial and Equity Investments Officer
Pierre-Yves GodardSales and Network Director
Mr. Thomas GrohDeputy Director-General
Ms. Hélène Painblan BrongniartSecretary of Board & Director · b. 1983
Ms. Marie-Pierre HertautDirector & Treasurer · b. 1961

Financials

Income Statement

Currency: EUR	2019-12-31	2020-12-31	2021-12-31	2022-12-31	2023-12-31	2024-12-31	2025-12-31
Total Revenue	562.94M	539.98M	620.49M	634.68M	602.10M	656.64M	1.45B
Growth (%)	-	-4.08%	+14.91%	+2.29%	-5.13%	+9.06%	+121.48%
Cost of Revenue	-	233.57M	214.76M	247.15M	217.00K	819.49M	782.16M
Gross Profit	562.94M	539.98M	620.49M	634.68M	601.88M	656.64M	672.19M
Gross Margin	100.00%	100.00%	100.00%	100.00%	99.96%	100.00%	46.22%
Operating Expense	26.45M	23.91M	19.85M	21.77M	22.61M	441.77M	461.22M
Operating Income	536.49M	516.07M	600.64M	612.91M	579.27M	214.87M	210.97M
Operating Margin	95.30%	95.57%	96.80%	96.57%	96.21%	32.72%	14.51%
EBITDA	-	214.36M	251.82M	271.19M	48.22M	-	234.01M
EBITDA Margin	-	39.70%	40.58%	42.73%	8.01%	-	16.09%
Net Income	141.63M	101.10M	160.22M	169.77M	136.62M	172.98M	182.10M
Net Income Margin	25.16%	18.72%	25.82%	26.75%	22.69%	26.34%	12.52%
Interest Expense	324.29M	233.57M	214.76M	247.15M	763.64M	819.49M	782.16M
Interest Expense % of Total Revenue	57.61%	43.25%	34.61%	38.94%	126.83%	124.80%	53.78%

Balance Sheet

Currency: EUR	2019-12-31	2020-12-31	2021-12-31	2022-12-31	2023-12-31	2024-12-31	2025-12-31
Total Assets	-	34.65B	37.07B	40.76B	38.27B	38.24B	39.35B
Total Liabilities	-	30.09B	31.91B	35.62B	32.88B	32.50B	33.05B
Total Equity	-	4.55B	5.16B	5.14B	5.38B	5.72B	6.29B
Cash	565.96M	645.20M	587.49M	4.40B	3.09B	3.14B	2.77B
Total Debt	-	155.32M	148.50M	220.26M	149.81M	152.86M	130.93M
Net Debt	-565.96M	157.02M	-412.83M	-4.18B	-2.94B	-3.14B	-2.64B

Cash Flow

Currency: EUR	2017-12-31	2018-12-31	2019-12-31	2020-12-31	2021-12-31	2022-12-31	2023-12-31	2024-12-31	2025-12-31
Operating Cash Flow	-	-	465.18M	943.06M	1.55B	-320.10M	-694.86M	-725.83M	-154.32M
Investing Cash Flow	-	-	-47.02M	72.96M	-24.77M	-32.82M	-40.62M	-36.94M	-115.32M
Financing Cash Flow	-	-	-181.03M	101.13M	-44.23M	62.33M	-154.82M	-49.31M	-71.03M
Capital Expenditure	0	0	48.81M	18.97M	21.85M	29.16M	30.55M	17.06M	0
Free Cash Flow	-	-	416.38M	924.09M	1.53B	-349.26M	-725.40M	-742.90M	-154.32M
Dividends Paid	-	-	-	39.68M	41.59M	43.75M	30.31M	37.32M	-
FCF to OCF	-	-	89.51%	97.99%	98.59%	109.11%	104.40%	102.35%	100.00%
Dividend Paid to FCF	-	-	-	4.29%	2.72%	-12.53%	-4.18%	-5.02%	-

Earnings

Report Date	Feb 28, 2018	May 8, 2018	Jul 27, 2018	Nov 28, 2018	Feb 27, 2019	May 7, 2019	Jul 26, 2019	Nov 27, 2019	Feb 26, 2020	May 5, 2020	Jul 24, 2020	Dec 2, 2020	Mar 3, 2021	May 4, 2021	Jul 23, 2021	Dec 1, 2021	Mar 2, 2022	May 3, 2022	Jul 25, 2022	Oct 28, 2022	Jan 30, 2023	Apr 24, 2023	Jul 24, 2023	Oct 27, 2023	Feb 28, 2024	May 7, 2024	Jul 23, 2024	Nov 18, 2024	Apr 3, 2025	Sep 29, 2025
EPS Estimate	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
EPS Actual	1.19	0.00	1.42	0.00	0.87	0.00	1.43	0.00	1.02	0.00	0.46	0.00	1.28	0.00	1.52	0.00	1.25	0.00	2.21	0.00	0.72	0.00	0.00	0.00	0.00	0.00	0.00	0.00	1.03	2.84
Surprise	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Timing	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

Key Statistics & Ratios

Market Cap1.45B

Enterprise Value1.14B

Trailing P/E7.97

Forward P/E2.23

PEG Ratio0.30

Price / Sales2.16

Price / Book0.25

EPS3.15

Book Value108.69

Revenue (TTM)671.24M

Gross Profit (TTM)671.24M

Profit Margin27.13%

Operating Margin25.62%

Return on Equity3.04%

Return on Assets0.47%

Shares Outstanding15.36M

Shares Float9.65M

Beta0.25

Dividend Yield3.21%

Dividend Rate0.85

Payout Ratio22.23%

Dividends

20261×

0.85Apr 30, 2026

20251×

0.70Apr 30, 2025

20241×

0.65Apr 29, 2024

20231×

0.53May 8, 2023

20221×

1.05May 6, 2022

20211×

1.05May 6, 2021

20201×

1.05Dec 16, 2020

20191×

1.05May 13, 2019

20181×

1.05May 14, 2018

20171×

1.00May 15, 2017

20161×

0.85May 16, 2016

20151×

0.80Apr 30, 2015

20141×

0.60Apr 30, 2014

20131×

0.60Apr 26, 2013

20121×

1.15Apr 18, 2012

20111×

1.30Apr 27, 2011

20101×

1.25Apr 9, 2010

20091×

1.25Apr 8, 2009

20081×

1.15Apr 30, 2008

20071×

0.94Apr 18, 2007

20061×

0.85Apr 21, 2006

20051×

0.80Apr 15, 2005

20041×

1.08Apr 28, 2004

Stock Splits

Jan 2, 20065:1