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Credit Agricole Nord de FranceCSRFF 53 3-Year FCF Growth Rate is 23.80% as of Dec. 2025, which is 250% above its 10-year median of 6.80. GuruFocus rates CSRFF with a GF Score™ of 53/100 and a GF Value™ of $10.83. Among 1,046 Banks companies, Credit Agricole Nord de France ranks better than 76.96% on this metric.
During the past 3 years, the average Free Cash Flow per Share Growth Rate was 23.80% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Free Cash Flow per Share growth rate.
During the past 13 years, the highest 3-Year average Free Cash Flow per Share Growth Rate of Credit Agricole Nord de France was 34.20% per year. The lowest was -78.20% per year. And the median was 6.80% per year.
Credit Agricole Nord de France (OTCPK:CSRFF) 3-Year FCF Growth Rate Explanation
Free Cash Flow per Share is the amount of Free Cash Flow per outstanding share of the company's stock. Free Cash Flow is considered one of the most important parameters to measure a company's earnings power by value investors because it is not subject to estimates of Depreciation, Depletion and Amortization (DDA). However, when we look at the Free Cash Flow, we should look from a long term perspective, because any year's Free Cash Flow can be drastically affected by the spending on Property, Plant, & Equipment (PPE) of the business in that year. Over the long term, Free Cash Flow should give pretty good picture on the real earnings power of the company. It's used in the calculation of Forward Rate of Return (Yacktman) %.
Credit Agricole Nord de France 3-Year FCF Growth Rate Related Terms
Credit Agricole Nord de France 3-Year FCF Growth Rate Competitor Comparison
For the Banks - Regional subindustry, Credit Agricole Nord de France's 3-Year FCF Growth Rate, along with its competitors' market caps and 3-Year FCF Growth Rate 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 3-Year FCF Growth Rate vs Banks Industry
For the Banks industry and Financial Services sector, Credit Agricole Nord de France's 3-Year FCF Growth Rate distribution charts can be found below:
* The bar in red indicates where Credit Agricole Nord de France's 3-Year FCF Growth Rate falls into.
Credit Agricole Nord de France 3-Year FCF Growth Rate Calculation
This is the 3-year average growth rate of Free Cash Flow per Share. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Free Cash Flow per Share growth rate.
What does a 3-Year FCF Growth Rate of 23.80% mean?
Credit Agricole Nord de France (CSRFF) has a 3-Year FCF Growth Rate of 23.80% as of Dec. 2025. 3-Year FCF Growth Rate is the 3-year average growth rate of Free Cash Flow per Share. View historical data for Credit Agricole Nord de France and its competitors. This is 250% above median its historical median of 6.80. According to the industry distribution chart, Credit Agricole Nord de France ranks #241 out of 1046 companies in the Banks industry, placing it in the top 23%.
Is Credit Agricole Nord de France's 3-Year FCF Growth Rate too high?
Credit Agricole Nord de France's current 3-Year FCF Growth Rate of 23.80% is 250% above median its 10-year median of 6.80. The Banks industry median 3-Year FCF Growth Rate is 0.45. Credit Agricole Nord de France's value of 23.80% is 5188.9% above this industry median. Based on the distribution chart, Credit Agricole Nord de France ranks #241 out of 1046 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 53/100, reflecting its overall financial health beyond just this single metric.
How does Credit Agricole Nord de France's 3-Year FCF Growth Rate compare to competitors?
According to the Banks industry distribution chart, Credit Agricole Nord de France ranks #241 out of 1046 companies for 3-Year FCF Growth Rate. This places Credit Agricole Nord de France in the top 23% of its industry — outperforming the majority of peers. The industry median 3-Year FCF Growth Rate is 0.45. Credit Agricole Nord de France's value of 23.80% is 5188.9% above this benchmark. While the company's 10-year median is 6.80 vs. the industry median of 0.45, 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 3-Year FCF Growth Rate for a Banks company?
The median 3-Year FCF Growth Rate among Banks companies is 0.45, based on 1,046 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year FCF Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year FCF Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Credit Agricole Nord de France's current 3-Year FCF Growth Rate of 23.80% is 5188.9% 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 3-Year FCF Growth Rate mean?
A high 3-Year FCF Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year FCF Growth Rate is the 3-year average growth rate of Free Cash Flow per Share. View historical data for Credit Agricole Nord de France and its competitors. For the Banks industry, the median 3-Year FCF Growth Rate is 0.45 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Credit Agricole Nord de France's current 3-Year FCF Growth Rate is 23.80%, which is 250% above median its own 10-year median of 6.80. 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 3-Year FCF Growth Rate of 23.80%. The stock's GF Value™ is $10.83, compared to a current price of $21.18 — trading 95.6% above its estimated fair value. The current 3-Year FCF Growth Rate is 23.80%, which is 250% above median its 10-year median of 6.80 and 5188.9% above the Banks industry median of 0.45. Credit Agricole Nord de France's overall GF Score™ is 53/100. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year FCF Growth Rate calculated?
3-Year FCF Growth Rate is calculated from a company's financial statements. For Credit Agricole Nord de France (CSRFF), the current 3-Year FCF Growth Rate is 23.80% 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 95.6% above its estimated GF Value™ of $10.83.
Key valuation signals for CSRFF:
3-Year FCF Growth Rate: 23.80% (250% above median its 10-year median of 6.80)
GF Value™: $10.83 vs. price of $21.18 (95.6% above fair value)
Industry Position: 5188.9% above the Banks median (#241 of 1046)
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.
53GF Score
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