How does 0AHI's PE Ratio compare to its peers?

0AHI is expensive based on its Price-To-Earnings Ratio (4.8x) compared to the peer average (3.8x).

How does 0AHI's PE Ratio compare vs other companies in the European Banks Industry?

0AHI is good value based on its Price-To-Earnings Ratio (4.8x) compared to the European Banks industry average (7.6x).

What is 0AHI's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

Insufficient data to calculate 0AHI's Price-To-Earnings Fair Ratio for valuation analysis.

What is the Fair Price of 0AHI when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

0AHI (€14.46) is trading below our estimate of [[fair value]] (€17.58)

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

Insufficient data to show price forecast.

0AHI Stock Overview

Caisse Régionale de Crédit Agricole Mutuel Nord de France Société cooperative provides banking products and financial services in France. More details

0AHI fundamental analysis
Snowflake Score
Valuation	2/6
Future Growth	0/6
Past Performance	5/6
Financial Health	6/6
Dividends	3/6

Rewards

Trading at 17.8% below our estimate of its fair value

Earnings grew by 31.6% over the past year

Risk Analysis

Shares are highly illiquid

Unstable dividend track record

My Notes

Capture your thoughts, links and company narrative

Caisse Régionale de Crédit Agricole Mutuel Nord de France Société coopérative Competitors

Close Brothers Group

LSE:CBG

UK£351.6m

TBC Bank Group

LSE:TBCG

UK£1.7b

Bank of Georgia Group

LSE:BGEO

UK£2.0b

Halyk Bank of Kazakhstan

LSE:HSBK

US$5.3b

Price History & Performance

Summary of share price highs, lows and changes for Caisse Régionale de Crédit Agricole Mutuel Nord de France Société coopérative
Historical stock prices
Current Share Price	€14.46
52 Week High	€14.50
52 Week Low	€11.50
Beta	0.57
1 Month Change	5.70%
3 Month Change	19.31%
1 Year Change	n/a
3 Year Change	-29.13%
5 Year Change	-49.61%
Change since IPO	18.65%

Recent updates

Shareholder Returns

	0AHI	GB Banks	GB Market
7D	0.4%	1.6%	0.2%
1Y	n/a	33.6%	2.3%

Return vs Industry: Insufficient data to determine how 0AHI performed against the UK Banks industry.

Return vs Market: Insufficient data to determine how 0AHI performed against the UK Market.

Price Volatility

Is 0AHI's price volatile compared to industry and market?
0AHI volatility
0AHI Average Weekly Movement	n/a
Banks Industry Average Movement	3.6%
Market Average Movement	4.7%
10% most volatile stocks in GB Market	10.4%
10% least volatile stocks in GB Market	2.6%

Stable Share Price: 0AHI's share price has been volatile over the past 3 months compared to the UK market.

Volatility Over Time: Insufficient data to determine 0AHI's volatility change over the past year.

About the Company

Founded	Employees	CEO	Website
1894	2,755	Laurent Martin	communication.ca-norddefrance.fr/

Caisse Régionale de Crédit Agricole Mutuel Nord de France Société cooperative provides banking products and financial services in France. The company offers savings support products, including monetary, bonds, and securities; and loans primarily for housing and consumption. It also provides life insurance, as well as insurance products for banking risk, financial losses, and multi-risk, as well as coverage for civil liabilities insurance products.

Caisse Régionale de Crédit Agricole Mutuel Nord de France Société coopérative Fundamentals Summary

How do Caisse Régionale de Crédit Agricole Mutuel Nord de France Société coopérative's earnings and revenue compare to its market cap?
0AHI fundamental statistics
Market cap	€837.89m
Earnings (TTM)	€174.33m
Revenue (TTM)	€623.64m

4.8x

P/E Ratio

0.2x

P/B Ratio

Is 0AHI overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
0AHI income statement (TTM)
Revenue	€623.64m
Cost of Revenue	€0
Gross Profit	€623.64m
Other Expenses	€449.31m
Earnings	€174.33m

Last Reported Earnings

Jun 30, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	3.02
Gross Margin	100.00%
Net Profit Margin	27.95%
Debt/Equity Ratio	10.8%

How did 0AHI perform over the long term?

See historical performance and comparison

Dividends

4.5%

Current Dividend Yield

16%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2024/12/30 15:52
End of Day Share Price	2024/12/30 00:00
Earnings	2024/06/30
Annual Earnings	2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* example for US securities, for non-US equivalent regulatory forms and sources are used.

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.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

Caisse Régionale de Crédit Agricole Mutuel Nord de France Société coopérative is covered by 2 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution
null Research Department	Gilbert Dupont
Jean Sassus	ODDO BHF Corporate & Markets