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Caisse Régionale de Crédit Agricole Mutuel Nord de France Société coopérative

Market Cap

€1.3b

Last Updated

2021/05/10 19:17 UTC

Data Sources

Company Financials +

Executive Summary

Caisse Régionale de Crédit Agricole Mutuel Nord de France Société coopérative operates as a regional bank in France. More Details


Snowflake Analysis

Excellent balance sheet, good value and pays a dividend.

Share Price & News

How has Caisse Régionale de Crédit Agricole Mutuel Nord de France Société coopérative's share price performed over time and what events caused price changes?


Latest Share Price and Events

Stable Share Price: CNF is less volatile than 75% of French stocks over the past 3 months, typically moving +/- 2% a week.

Volatility Over Time: CNF's weekly volatility (2%) has been stable over the past year.


Market Performance


7 Day Return

1.3%

CNF

3.6%

FR Banks

0.6%

FR Market


1 Year Return

0.04%

CNF

75.1%

FR Banks

43.0%

FR Market

Return vs Industry: CNF underperformed the French Banks industry which returned 70% over the past year.

Return vs Market: CNF underperformed the French Market which returned 42% over the past year.


Shareholder returns

CNFIndustryMarket
7 Day1.3%3.6%0.6%
30 Day0.4%7.3%3.4%
90 Day5.7%27.3%11.3%
1 Year10.0%0.04%76.3%75.1%46.4%43.0%
3 Year19.0%4.1%-4.2%-15.6%28.7%18.3%
5 Year71.2%35.9%47.7%18.2%86.7%60.1%

Long-Term Price Volatility Vs. Market

How volatile is Caisse Régionale de Crédit Agricole Mutuel Nord de France Société coopérative's share price compared to the market and industry in the last 5 years?


Simply Wall St News

Valuation

Is Caisse Régionale de Crédit Agricole Mutuel Nord de France Société coopérative undervalued compared to its fair value and its price relative to the market?

26.6%

Undervalued compared to fair value


Share Price vs. Fair Value

Below Fair Value: CNF (€23) is trading below our estimate of fair value (€31.31)

Significantly Below Fair Value: CNF is trading below fair value by more than 20%.


Price To Earnings Ratio

PE vs Industry: CNF is poor value based on its PE Ratio (13.2x) compared to the FR Banks industry average (12.2x).

PE vs Market: CNF is good value based on its PE Ratio (13.2x) compared to the French market (23.8x).


Price to Earnings Growth Ratio

PEG Ratio: CNF is good value based on its PEG Ratio (0.4x)


Price to Book Ratio

PB vs Industry: CNF's PB Ratio (0.3x) is in line with the FR Banks industry average.


Future Growth

How is Caisse Régionale de Crédit Agricole Mutuel Nord de France Société coopérative forecast to perform in the next 1 to 3 years based on estimates from 1 analyst?

34.4%

Forecasted annual earnings growth


Earnings and Revenue Growth Forecasts


Analyst Future Growth Forecasts

Earnings vs Savings Rate: CNF's forecast earnings growth (34.4% per year) is above the savings rate (0.4%).

Earnings vs Market: CNF's earnings (34.4% per year) are forecast to grow faster than the French market (19.6% per year).

High Growth Earnings: earnings are expected to grow significantly over the next 3 years.

Revenue vs Market: CNF's revenue (11.9% per year) is forecast to grow faster than the French market (6.8% per year).

High Growth Revenue: CNF's revenue (11.9% per year) is forecast to grow slower than 20% per year.


Earnings per Share Growth Forecasts


Future Return on Equity

Future ROE: Insufficient data to determine if CNF's Return on Equity is forecast to be high in 3 years time


Past Performance

How has Caisse Régionale de Crédit Agricole Mutuel Nord de France Société coopérative performed over the past 5 years?

-9.3%

Historical annual earnings growth


Earnings and Revenue History

Quality Earnings: CNF has high quality earnings.

Growing Profit Margin: CNF's current net profit margins (18.7%) are lower than last year (25.1%).


Past Earnings Growth Analysis

Earnings Trend: CNF's earnings have declined by 9.3% per year over the past 5 years.

Accelerating Growth: CNF's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.

Earnings vs Industry: CNF had negative earnings growth (-28.5%) over the past year, making it difficult to compare to the Banks industry average (-32.9%).


Return on Equity

High ROE: CNF's Return on Equity (2.3%) is considered low.


Financial Health

How is Caisse Régionale de Crédit Agricole Mutuel Nord de France Société coopérative's financial position? (This company is analysed differently as a bank or financial institution)


Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet


Financial Institutions Analysis

Asset Level: CNF's Assets to Equity ratio (7.6x) is low.

Allowance for Bad Loans: CNF has a low allowance for bad loans (95%).

Low Risk Liabilities: 92% of CNF's liabilities are made up of primarily low risk sources of funding.

Loan Level: CNF has an appropriate level of Loans to Assets ratio (76%).

Low Risk Deposits: CNF's Loans to Deposits ratio (95%) is appropriate.

Level of Bad Loans: CNF has an appropriate level of bad loans (1.5%).


Dividend

What is Caisse Régionale de Crédit Agricole Mutuel Nord de France Société coopérative current dividend yield, its reliability and sustainability?

4.57%

Current Dividend Yield


Dividend Yield vs Market

Notable Dividend: CNF's dividend (4.57%) is higher than the bottom 25% of dividend payers in the French market (1.3%).

High Dividend: CNF's dividend (4.57%) is in the top 25% of dividend payers in the French market (3.98%)


Stability and Growth of Payments

Stable Dividend: CNF's dividend payments have been volatile in the past 10 years.

Growing Dividend: CNF's dividend payments have fallen over the past 10 years.


Current Payout to Shareholders

Dividend Coverage: With its reasonable payout ratio (60.1%), CNF's dividend payments are covered by earnings.


Future Payout to Shareholders

Future Dividend Coverage: CNF's dividends in 3 years are forecast to be well covered by earnings (31.8% payout ratio).


Next Steps

Management

How experienced are the management team and are they aligned to shareholders interests?

2.1yrs

Average management tenure


CEO

Christian Valette

2.58yrs

Tenure

€291,812

Compensation

Mr. Christian Valette has been Chief Executive Officer at Crédit Agricole Nord de France since October 01, 2018. Mr. Valette served as Director General at Caisse Régionale de Crédit Agricole Mutuel de La R...


CEO Compensation Analysis

Compensation vs Market: Insufficient data to establish whether Christian's total compensation is reasonable compared to companies of similar size in the French market.

Compensation vs Earnings: Insufficient data to compare Christian's compensation with company performance.


Leadership Team

Experienced Management: CNF's management team is considered experienced (2.1 years average tenure).


Board Members

Experienced Board: CNF's board of directors are seasoned and experienced ( 10.6 years average tenure).


Ownership

Who are the major shareholders and have insiders been buying or selling?


Insider Trading Volume

Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.


Ownership Breakdown

Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.


Top Shareholders

Company Information

Caisse Régionale de Crédit Agricole Mutuel Nord de France Société coopérative's company bio, employee growth, exchange listings and data sources


Key Information


Number of Employees


Location

  • Caisse Régionale de Crédit Agricole Mutuel Nord de France Société coopérative
  • 10 Avenue Foch
  • BP 369
  • Lille
  • Nord-Pas-de-Calais
  • 59020
  • France

Listings


Biography

Caisse Régionale de Crédit Agricole Mutuel Nord de France Société coopérative operates as a regional bank in France. It offers saving accounts, cards, real estate investment, and pension savings; auto and ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2021/05/10 19:17
End of Day Share Price2021/05/10 00:00
Earnings2020/12/31
Annual Earnings2020/12/31


Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.