CSRFF (Credit Agricole Nord de France) Effective Interest Rate on Debt %: 602.02% (As of Dec. 2025)


CSRFF Credit Agricole Nord de France CSRFF
53 GF Score
Price $21.18
GF Value $11.41
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What is Credit Agricole Nord de France Effective Interest Rate on Debt %?

Credit Agricole Nord de France CSRFF 53 Effective Interest Rate on Debt % is 602.02% as of Dec. 2025. GuruFocus rates CSRFF with a GF Score™ of 53/100 and a GF Value™ of $11.41.

Effective Interest Rate on Debt % is the usage rate that a borrower actually pays on a debt. It is calculated as the positive value of Interest Expense divided by its average total debt. Total debt equals to Long-Term Debt & Capital Lease Obligation plus Short-Term Debt & Capital Lease Obligation. Credit Agricole Nord de France's annualized positive value of Interest Expense for the quarter that ended in Dec. 2025 was $877.1 Mil. Credit Agricole Nord de France's average total debt for the quarter that ended in Dec. 2025 was $145.7 Mil. Therefore, Credit Agricole Nord de France's annualized Effective Interest Rate on Debt % for the quarter that ended in Dec. 2025 was 602.02%.


Credit Agricole Nord de France  (OTCPK:CSRFF) Effective Interest Rate on Debt % Explanation

Effective Interest Rate on Debt % measures the usage rate that a borrower actually pays on a debt.


Credit Agricole Nord de France Effective Interest Rate on Debt % Related Terms


Credit Agricole Nord de France Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Credit Agricole Nord de France's Effective Interest Rate on Debt % 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 Effective Interest Rate on Debt % Chart

Credit Agricole Nord de France Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Effective Interest Rate on Debt %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 41.36 121.58 419.85 503.07 553.25

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
Effective Interest Rate on Debt % 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 593.45 545.43 489.36 595.45 602.02

Credit Agricole Nord de France Effective Interest Rate on Debt % Competitor Comparison

For the Banks - Regional subindustry, Credit Agricole Nord de France's Effective Interest Rate on Debt %, along with its competitors' market caps and Effective Interest Rate on 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 Effective Interest Rate on Debt % vs Banks Industry

For the Banks industry and Financial Services sector, Credit Agricole Nord de France's Effective Interest Rate on Debt % distribution charts can be found below:

* The bar in red indicates where Credit Agricole Nord de France's Effective Interest Rate on Debt % falls into.


CSRFF
53GF Score
Credit Agricole Nord de France CSRFF
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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Credit Agricole Nord de France Effective Interest Rate on Debt % Calculation

Credit Agricole Nord de France's annualized Effective Interest Rate on Debt % for the fiscal year that ended in Dec. 2025 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (A: Dec. 2024 )+Total Debt  (A: Dec. 2025 ))/ count )
=-1  *  -915.878/( (177.778+153.311)/ 2 )
=-1  *  -915.878/165.5445
=553.25 %

where

Total Debt  (A: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=177.778 + 0
=177.778

Total Debt  (A: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=153.311 + 0
=153.311

Credit Agricole Nord de France's annualized Effective Interest Rate on Debt % for the quarter that ended in Dec. 2025 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (Q: Jun. 2025 )+Total Debt  (Q: Dec. 2025 ))/ count )
=-1  *  -877.08/( (138.069+153.311)/ 2 )
=-1  *  -877.08/145.69
=602.02 %

where

Total Debt  (Q: Jun. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=138.069 + 0
=138.069

Total Debt  (Q: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=153.311 + 0
=153.311

* 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.

In the calculation of annual Effective Interest Rate on Debt %, the Interest Expense of the last fiscal year and the average total debt over the fiscal year are used. In calculating the quarterly data, the Interest Expense data used here is two times the semi-annual (Dec. 2025) interest expense data. Effective Interest Rate on Debt % is displayed in the 30-year financial page.

What does a Effective Interest Rate on Debt % of 602.02% mean?
Credit Agricole Nord de France (CSRFF) has a Effective Interest Rate on Debt % of 602.02% as of Dec. 2025. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Credit Agricole Nord de France and its competitors.
Is Credit Agricole Nord de France's Effective Interest Rate on Debt % too high?
Credit Agricole Nord de France's current Effective Interest Rate on Debt % is 602.02%. 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 Effective Interest Rate on Debt % compare to competitors?
Credit Agricole Nord de France's Effective Interest Rate on Debt % of 602.02% 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 Effective Interest Rate on Debt % for a Banks company?
A good Effective Interest Rate on Debt % depends on the Banks industry context. However, Effective Interest Rate on Debt % 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 Effective Interest Rate on Debt % mean?
A high Effective Interest Rate on Debt % can signal that a stock is expensive relative to its fundamentals. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Credit Agricole Nord de France and its competitors. Credit Agricole Nord de France's current Effective Interest Rate on Debt % is 602.02%. 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 Effective Interest Rate on Debt % of 602.02%. The stock's GF Value™ is $11.41, compared to a current price of $21.18 — trading 85.6% above its estimated fair value. The current Effective Interest Rate on Debt % is 602.02%. 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 Effective Interest Rate on Debt % calculated?
Effective Interest Rate on Debt % is calculated from a company's financial statements. For Credit Agricole Nord de France (CSRFF), the current Effective Interest Rate on Debt % is 602.02% 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 85.6% above its estimated GF Value™ of $11.41.

Key valuation signals for CSRFF:

  • Effective Interest Rate on Debt %: 602.02%
  • GF Value™: $11.41 vs. price of $21.18 (85.6% above fair value)
  • GF Score™: 53/100

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.


Credit Agricole Nord de France Business Description

Other Exchanges 0AHI:UKCNDF:France
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 CSRFF

Effective Interest Rate on Debt % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$21.18
Price
$11.41
GF Value