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Credit Agricole Nord de FranceCSRFF 53 3-Year EPS without NRI Growth Rate is 3.00% as of Dec. 2025, which is 13% below its 10-year median of 3.45. GuruFocus rates CSRFF with a GF Score™ of 53/100 and a GF Value™ of $11.10. Among 1,412 Banks companies, Credit Agricole Nord de France ranks worse than 63.17% on this metric.
During the past 12 months, Credit Agricole Nord de France's average EPS without NRI Growth Rate was 8.80% per year.
During the past 3 years, the average EPS without NRI Growth Rate was 3.00% per year.
During the past 5 years, the average EPS without NRI Growth Rate was 9.20% per year.
During the past 10 years, the average EPS without NRI Growth Rate was 0.90% 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 average EPS without NRI growth rate.
During the past 13 years, the highest 3-Year average EPS without NRI Growth Rate of Credit Agricole Nord de France was 56.30% per year. The lowest was -16.00% per year. And the median was 3.45% per year.
Credit Agricole Nord de France (OTCPK:CSRFF) 3-Year EPS without NRI Growth Rate Explanation
EPS without NRI is the amount of earnings without non-recurring items per outstanding share of the company's stock.
Earnings Per Share (EPS) is the single most important variable used by Wall Street in determining the earnings power of a company. But investors need to be aware that Earnings per Share can be easily manipulated by adjusting depreciation and amortization rate or non-recurring items. That's why GuruFocus lists Earnings per share without Non-Recurring Items, which better reflects the company's underlying performance.
Credit Agricole Nord de France 3-Year EPS without NRI Growth Rate Related Terms
Credit Agricole Nord de France 3-Year EPS without NRI Growth Rate Competitor Comparison
For the Banks - Regional subindustry, Credit Agricole Nord de France's 3-Year EPS without NRI Growth Rate, along with its competitors' market caps and 3-Year EPS without NRI 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 EPS without NRI Growth Rate vs Banks Industry
For the Banks industry and Financial Services sector, Credit Agricole Nord de France's 3-Year EPS without NRI Growth Rate distribution charts can be found below:
* The bar in red indicates where Credit Agricole Nord de France's 3-Year EPS without NRI Growth Rate falls into.
Credit Agricole Nord de France 3-Year EPS without NRI Growth Rate Calculation
This is the 3-year average growth rate of EPS without NRI. 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 EPS without NRI growth rate.
What does a 3-Year EPS without NRI Growth Rate of 3.00% mean?
Credit Agricole Nord de France (CSRFF) has a 3-Year EPS without NRI Growth Rate of 3.00% as of Dec. 2025. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for Credit Agricole Nord de France and its competitors. This is 13% below median its historical median of 3.45. According to the industry distribution chart, Credit Agricole Nord de France ranks #892 out of 1412 companies in the Banks industry, placing it in the top 63.2%.
Is Credit Agricole Nord de France's 3-Year EPS without NRI Growth Rate too high?
Credit Agricole Nord de France's current 3-Year EPS without NRI Growth Rate of 3.00% is 13% below median its 10-year median of 3.45. The Banks industry median 3-Year EPS without NRI Growth Rate is 7.30. Credit Agricole Nord de France's value of 3.00% is 58.9% below this industry median. Based on the distribution chart, Credit Agricole Nord de France ranks #892 out of 1412 companies in the Banks industry, which is below the industry midpoint. 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 EPS without NRI Growth Rate compare to competitors?
According to the Banks industry distribution chart, Credit Agricole Nord de France ranks #892 out of 1412 companies for 3-Year EPS without NRI Growth Rate. This places Credit Agricole Nord de France in the lower half of its industry. The industry median 3-Year EPS without NRI Growth Rate is 7.30. Credit Agricole Nord de France's value of 3.00% is 58.9% below this benchmark. While the company's 10-year median is 3.45 vs. the industry median of 7.30, Credit Agricole Nord de France has consistently been below 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 EPS without NRI Growth Rate for a Banks company?
The median 3-Year EPS without NRI Growth Rate among Banks companies is 7.30, based on 1,412 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year EPS without NRI Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year EPS without NRI 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 EPS without NRI Growth Rate of 3.00% is 58.9% below 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 EPS without NRI Growth Rate mean?
A high 3-Year EPS without NRI Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for Credit Agricole Nord de France and its competitors. For the Banks industry, the median 3-Year EPS without NRI Growth Rate is 7.30 — 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 EPS without NRI Growth Rate is 3.00%, which is 13% below median its own 10-year median of 3.45. 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 EPS without NRI Growth Rate of 3.00%. The stock's GF Value™ is $11.10, compared to a current price of $21.18 — trading 90.8% above its estimated fair value. The current 3-Year EPS without NRI Growth Rate is 3.00%, which is 13% below median its 10-year median of 3.45 and 58.9% below the Banks industry median of 7.30. 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 EPS without NRI Growth Rate calculated?
3-Year EPS without NRI Growth Rate is calculated from a company's financial statements. For Credit Agricole Nord de France (CSRFF), the current 3-Year EPS without NRI Growth Rate is 3.00% 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 90.8% above its estimated GF Value™ of $11.10.
Key valuation signals for CSRFF:
3-Year EPS without NRI Growth Rate: 3.00% (13% below median its 10-year median of 3.45)
GF Value™: $11.10 vs. price of $21.18 (90.8% above fair value)
Industry Position: 58.9% below the Banks median (#892 of 1412)
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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