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Cash to Debt Ratio measures the financial strength of a company. It is calculated as a company's cash, cash equivalents, and marketable securities divide by its debt. Credit Agricole Nord de France's cash to debt ratio for the quarter that ended in Dec. 2025 was 21.16.
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. Here we can see, Credit Agricole Nord de Francecould pay off its debt using the cash in hand for the quarter that ended in Dec. 2025.
The historical rank and industry rank for Credit Agricole Nord de France's Cash-to-Debt or its related term are showing as below:
CSRFF'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.8 Med: 2.48 Max: 21.16
Current: 21.16
During the past 13 years, Credit Agricole Nord de France's highest Cash to Debt Ratio was 21.16. The lowest was 0.80. And the median was 2.48.
CSRFF's Cash-to-Debt is ranked better than 88.18% of 1489
companies
in the Banks industry
Industry Median: 1.37
vs CSRFF: 21.16
Credit Agricole Nord de France (OTCPK:CSRFF) Cash-to-Debt Explanation
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. If it is smaller than 1, it means the company has more debt than the cash in hands. In this case, it is important to look the the company's Interest Coverage. Ben Graham requires that a company must have an Interest Coverage of at least 5.
Credit Agricole Nord de France Cash-to-Debt Related Terms
Credit Agricole Nord de France Cash-to-Debt Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
Credit Agricole Nord de France Cash-to-Debt Competitor Comparison
For the Banks - Regional subindustry, Credit Agricole Nord de France's Cash-to-Debt, along with its competitors' market caps and Cash-to-Debt data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Credit Agricole Nord de France Cash-to-Debt vs Banks Industry
For the Banks industry and Financial Services sector, Credit Agricole Nord de France's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Credit Agricole Nord de France's Cash-to-Debt falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Credit Agricole Nord de France (CSRFF) has a Cash-to-Debt of 21.16 as of Dec. 2025. This is 753% above median its historical median of 2.48. Over the past decade, Credit Agricole Nord de France's Cash-to-Debt has ranged from 0.80 to 21.16. According to the industry distribution chart, Credit Agricole Nord de France ranks #176 out of 1489 companies in the Banks industry, placing it in the top 11.8%.
Is Credit Agricole Nord de France's Cash-to-Debt too high?
Credit Agricole Nord de France's current Cash-to-Debt of 21.16 is 753% above median its 10-year median of 2.48. Over the past 10 years, this metric has ranged from a low of 0.80 to a high of 21.16. The Banks industry median Cash-to-Debt is 1.37. Credit Agricole Nord de France's value of 21.16 is 1444.5% above this industry median. Based on the distribution chart, Credit Agricole Nord de France ranks #176 out of 1489 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Credit Agricole Nord de France has a GF Score™ of 52/100, reflecting its overall financial health beyond just this single metric.
How does Credit Agricole Nord de France's Cash-to-Debt compare to competitors?
According to the Banks industry distribution chart, Credit Agricole Nord de France ranks #176 out of 1489 companies for Cash-to-Debt. This places Credit Agricole Nord de France in the top 12% of its industry — outperforming the majority of peers. The industry median Cash-to-Debt is 1.37. Credit Agricole Nord de France's value of 21.16 is 1444.5% above this benchmark. Historically, Credit Agricole Nord de France's own Cash-to-Debt has ranged from 0.80 to 21.16 over the past decade. While the company's 10-year median is 2.48 vs. the industry median of 1.37, Credit Agricole Nord de France has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cash-to-Debt for a Banks company?
The median Cash-to-Debt among Banks companies is 1.37, based on 1,489 companies in the industry. Companies in the top quartile (top 25%) have a Cash-to-Debt significantly above this median, while those in the bottom quartile fall well below. However, Cash-to-Debt should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Credit Agricole Nord de France's current Cash-to-Debt of 21.16 is 1444.5% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cash-to-Debt mean?
A high Cash-to-Debt can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median Cash-to-Debt is 1.37 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Credit Agricole Nord de France's current Cash-to-Debt is 21.16, which is 753% above median its own 10-year median of 2.48. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Credit Agricole Nord de France stock overvalued right now?
Credit Agricole Nord de France (CSRFF) has a current Cash-to-Debt of 21.16. The stock's GF Value™ is $11.02, compared to a current price of $21.18 — trading 92.2% above its estimated fair value. The current Cash-to-Debt is 21.16, which is 753% above median its 10-year median of 2.48 and 1444.5% above the Banks industry median of 1.37. Credit Agricole Nord de France's overall GF Score™ is 52/100. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cash-to-Debt calculated?
Cash-to-Debt is calculated from a company's financial statements. For Credit Agricole Nord de France (CSRFF), the current Cash-to-Debt is 21.16 as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Credit Agricole Nord de France (CSRFF) Overvalued in 2026?
Based on GuruFocus' analysis, Credit Agricole Nord de France stock appears to be overvalued.
The current stock price of $21.18 is trading 92.2% above its estimated GF Value™ of $11.02.
Key valuation signals for CSRFF:
Cash-to-Debt: 21.16 (753% above median its 10-year median of 2.48)
GF Value™: $11.02 vs. price of $21.18 (92.2% above fair value)
Industry Position: 1444.5% above the Banks median (#176 of 1489)
No single metric tells the full story. See the CSRFF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Crédit Agricole Nord de France operates as a regional bank in France. It offers saving products; credit services; short, medium, and long-term loans; and insurance products. The company provides its products to individuals, businesses, associations, and farmers.
52GF Score
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