Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
The historical rank and industry rank for Credit Agricole Nord de France's EV-to-OCF or its related term are showing as below:
CSRFF'
s EV-to-OCF Range Over the Past 10 Years
Min: -6.52 Med: 1.57 Max: 10.86
Current: 6.39
During the past 13 years, the highest EV-to-OCF of Credit Agricole Nord de France was 10.86. The lowest was -6.52. And the median was 1.57.
CSRFF's EV-to-OCF is ranked worse than 59.85% of 1497
companies
in the Banks industry
Industry Median: 3.75
vs CSRFF: 6.39
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Credit Agricole Nord de France (OTCPK:CSRFF) EV-to-OCF Explanation
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Credit Agricole Nord de France's PE Ratio (TTM) for today is calculated as:
Credit Agricole Nord de France's share price for today is $21.18.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Credit Agricole Nord de France's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was $3.624.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Credit Agricole Nord de France EV-to-OCF Related Terms
Credit Agricole Nord de France EV-to-OCF 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.
Credit Agricole Nord de France EV-to-OCF Competitor Comparison
For the Banks - Regional subindustry, Credit Agricole Nord de France's EV-to-OCF, along with its competitors' market caps and EV-to-OCF 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 EV-to-OCF vs Banks Industry
For the Banks industry and Financial Services sector, Credit Agricole Nord de France's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where Credit Agricole Nord de France's EV-to-OCF falls into.
Credit Agricole Nord de France's current Enterprise Value is $-1,128.7 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Credit Agricole Nord de France's Cash Flow from Operations for the trailing twelve months (TTM) ended in Dec. 2025 was $-177.7 Mil.
* 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 EV-to-OCF of 6.35 as of Jul. 21, 2026. This is 304% above median its historical median of 1.57. According to the industry distribution chart, Credit Agricole Nord de France ranks #896 out of 1497 companies in the Banks industry, placing it in the top 59.9%.
Is Credit Agricole Nord de France's EV-to-OCF too high?
Credit Agricole Nord de France's current EV-to-OCF of 6.35 is 304% above median its 10-year median of 1.57. The Banks industry median EV-to-OCF is 3.75. Credit Agricole Nord de France's value of 6.35 is 69.3% above this industry median. Based on the distribution chart, Credit Agricole Nord de France ranks #896 out of 1497 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 EV-to-OCF compare to competitors?
According to the Banks industry distribution chart, Credit Agricole Nord de France ranks #896 out of 1497 companies for EV-to-OCF. This places Credit Agricole Nord de France in the lower half of its industry. The industry median EV-to-OCF is 3.75. Credit Agricole Nord de France's value of 6.35 is 69.3% above this benchmark. While the company's 10-year median is 1.57 vs. the industry median of 3.75, 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 EV-to-OCF for a Banks company?
The median EV-to-OCF among Banks companies is 3.75, based on 1,497 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-OCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-OCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Credit Agricole Nord de France's current EV-to-OCF of 6.35 is 69.3% 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 EV-to-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median EV-to-OCF is 3.75 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Credit Agricole Nord de France's current EV-to-OCF is 6.35, which is 304% above median its own 10-year median of 1.57. 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 EV-to-OCF of 6.35. The stock's GF Value™ is $11.59, compared to a current price of $21.18 — trading 82.7% above its estimated fair value. The current EV-to-OCF is 6.35, which is 304% above median its 10-year median of 1.57 and 69.3% above the Banks industry median of 3.75. 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 EV-to-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For Credit Agricole Nord de France (CSRFF), the current EV-to-OCF is 6.35 as of Jul. 21, 2026. 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 82.7% above its estimated GF Value™ of $11.59.
Key valuation signals for CSRFF:
EV-to-OCF: 6.35 (304% above median its 10-year median of 1.57)
GF Value™: $11.59 vs. price of $21.18 (82.7% above fair value)
Industry Position: 69.3% above the Banks median (#896 of 1497)
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
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
EV-to-OCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
CSRFF has been successfully added to your 
