Credit Agricole Nord de France (XPAR:CNDF) E10: €2.85 (As of Dec. 2025)


XPAR:CNDF Credit Agricole Nord de France XPAR:CNDF
53 GF Score
Price €30.34
GF Value €15.47
Valuation Significantly Overvalued
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What is Credit Agricole Nord de France E10?

Credit Agricole Nord de France XPAR:CNDF +0.21% 53 E10 is €2.85 as of Dec. 2025. GuruFocus rates XPAR:CNDF with a GF Score™ of 53/100 and a GF Value™ of €15.47 (Significantly Overvalued).

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

Credit Agricole Nord de France's adjusted earnings per share data for the fiscal year that ended in Dec. 2025 was €3.149. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is €2.85 for the trailing ten years ended in Dec. 2025.

During the past 3 years, the average E10 Growth Rate was 2.30% per year. During the past 5 years, the average E10 Growth Rate was 4.90% 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 E10 growth rate using E10 data.

During the past 13 years, the highest 3-Year average E10 Growth Rate of Credit Agricole Nord de France was 7.30% per year. The lowest was -0.70% per year. And the median was 3.50% per year.

As of today (2026-07-03), Credit Agricole Nord de France's current stock price is € 30.335. Credit Agricole Nord de France's E10 for the fiscal year that ended in Dec. 2025 was €2.85. Credit Agricole Nord de France's Shiller PE Ratio of today is 10.64.

During the past 13 years, the highest Shiller PE Ratio of Credit Agricole Nord de France was 13.37. The lowest was 4.21. And the median was 8.12.


Credit Agricole Nord de France  (XPAR:CNDF) E10 Explanation

If a company grows much fast than inflation, E10 may underestimate the company's earnings power. Shiller PE Ratio can seem to be too high even the actual P/E is low.

For the Shiller P/E, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller P/E is also called PE10.

The Shiller P/E was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

Credit Agricole Nord de France's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=30.335/2.85
=10.64

* 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.

During the past 13 years, the highest Shiller P/E Ratio of Credit Agricole Nord de France was 13.37. The lowest was 4.21. And the median was 8.12.


Be Aware

Shiller PE Ratio works better for cyclical companies. It gives you a better idea on the company's real earnings power.


Credit Agricole Nord de France E10 Related Terms


Credit Agricole Nord de France E10 Historical Data

* Premium members only.

The historical data trend for Credit Agricole Nord de France's E10 can be seen below:

* 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 E10 Chart

Credit Agricole Nord de France Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 2.31 2.66 2.80 2.85 2.85

Credit Agricole Nord de France Semi-Annual Data
Jun16 Dec16 Jun17 Dec17 Jun18 Dec18 Jun19 Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25
E10 Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 2.80 0.00 2.85 0.00 2.85

Credit Agricole Nord de France E10 Competitor Comparison

For the Banks - Regional subindustry, Credit Agricole Nord de France's Shiller PE Ratio, along with its competitors' market caps and Shiller PE Ratio 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 Shiller PE Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Credit Agricole Nord de France's Shiller PE Ratio distribution charts can be found below:

* The bar in red indicates where Credit Agricole Nord de France's Shiller PE Ratio falls into.


XPAR:CNDF
53GF Score
Credit Agricole Nord de France XPAR:CNDF
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
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Credit Agricole Nord de France E10 Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. When we calculate the today's Shiller P/E ratio of a stock, we use today's price divided by E10.

What is E10? How do we calculate E10?

E10 is the average of the inflation adjusted earnings of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the E10 of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the earnings from 2001 through 2010.

We adjusted the earnings of 2001 earnings data with the total inflation from 2001 through 2010 to the equivalent earnings in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart earned $1 a share in 2001, then the 2001's equivalent earnings in 2010 is $1.4 a share. If Wal-Mart earns $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 earnings in 2010 is $1.35. So on and so forth, you get the equivalent earnings of past 10 years. Then you add them together and divided the sum by 10 to get E10.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Credit Agricole Nord de France's adjusted earnings per share data for the fiscal year that ended in Dec. 2025 was:

Adj_EPS=Earnings per Share (Diluted) /CPI of Dec. 2025 (Change)*Current CPI (Dec. 2025)
=3.149/120.9000*120.9000
=3.149

Current CPI (Dec. 2025) = 120.9000.

Credit Agricole Nord de France Annual Data

per_share_eps CPI Adj_EPS
201612 2.485 100.650 2.985
201712 2.750 101.850 3.264
201812 2.296 103.470 2.683
201912 2.447 104.980 2.818
202012 1.747 104.960 2.012
202112 2.769 107.850 3.104
202212 2.934 114.160 3.107
202312 2.363 118.390 2.413
202412 2.953 119.950 2.976
202512 3.149 120.900 3.149

Add all the adjusted EPS together and divide 10 will get our e10.

Frequently Asked Questions Learn more about E10 →
What does a E10 of €2.85 mean?
Credit Agricole Nord de France (XPAR:CNDF) has a E10 of €2.85 as of Dec. 2025. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Credit Agricole Nord de France and its competitors.
Is Credit Agricole Nord de France's E10 too high?
Credit Agricole Nord de France's current E10 is €2.85. Overall, Credit Agricole Nord de France has a GF Score™ of 53/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Credit Agricole Nord de France's E10 compare to competitors?
Credit Agricole Nord de France's E10 of €2.85 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good E10 for a Banks company?
A good E10 depends on the Banks industry context. However, E10 should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high E10 mean?
A high E10 can signal that a stock is expensive relative to its fundamentals. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Credit Agricole Nord de France and its competitors. Credit Agricole Nord de France's current E10 is €2.85. 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?
Based on GuruFocus' analysis, Credit Agricole Nord de France (XPAR:CNDF) is currently considered Significantly Overvalued. The stock's GF Value™ is €15.47, compared to a current price of €30.34 — trading 96.1% above its estimated fair value. The current E10 is €2.85. 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 E10 calculated?
E10 is calculated from a company's financial statements. For Credit Agricole Nord de France (XPAR:CNDF), the current E10 is €2.85 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 (XPAR:CNDF) Overvalued in 2026?

Based on GuruFocus' analysis, Credit Agricole Nord de France stock appears to be overvalued. The current stock price of €30.34 is trading 96.1% above its estimated GF Value™ of €15.47. GuruFocus considers Credit Agricole Nord de France to be Significantly Overvalued.

Key valuation signals for XPAR:CNDF:

  • E10: €2.85
  • GF Value™: €15.47 vs. price of €30.34 (96.1% above fair value)
  • GF Score™: 53/100

No single metric tells the full story. See the XPAR:CNDF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Credit Agricole Nord de France Business Description

Other Exchanges 0AHI:UK
Address 10 Avenue Foch, BP 369, Lille, FRA, 59020
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

Get the complete analysis for XPAR:CNDF

E10 is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€30.34
Price
€15.47
GF Value