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Credit Agricole Nord de FranceCSRFF 52 Intrinsic Value: Projected FCF is $77.20 as of Aug. 12, 2026, which is 40532% above its 10-year median of 0.19. GuruFocus rates CSRFF with a GF Score™ of 52/100 and a GF Value™ of $11.02. Among 1,286 Banks companies, Credit Agricole Nord de France ranks better than 80.33% on this metric.
Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company. The details of how we calculate the intrinsic value of stocks are described in detail here.
The historical rank and industry rank for Credit Agricole Nord de France's Intrinsic Value: Projected FCF or its related term are showing as below:
CSRFF'
s Price-to-Projected-FCF Range Over the Past 10 Years
Min: 0.1 Med: 0.19 Max: 0.28
Current: 0.27
During the past 13 years, the highest Price-to-Intrinsic-Value-Projected-FCF of Credit Agricole Nord de France was 0.28. The lowest was 0.10. And the median was 0.19.
CSRFF's Price-to-Projected-FCF is ranked better than 80.33% of 1286
companies
in the Banks industry
Industry Median: 0.59
vs CSRFF: 0.27
Credit Agricole Nord de France (OTCPK:CSRFF) Intrinsic Value: Projected FCF Explanation
The growth multiple is capped between 8.35 and 17.74.
Total Stockholders Equity weighting is more art than science and it should always be revisited in more detail when researching a company. Weightings from 0% to 100% to more than 100% are possible. 80% was chosen as a happy median after taking the above ideas into consideration.
Credit Agricole Nord de France's Price-to-Intrinsic-Value-Projected-FCF for today is calculated as
Price-to-Intrinsic-Value-Projected-FCF
=
Share Price
/
Intrinsic Value: Projected FCF
=
21.18
/
129.96434184377
=
0.16
* 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 Intrinsic Value: Projected FCF Related Terms
Credit Agricole Nord de France Intrinsic Value: Projected FCF 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 Intrinsic Value: Projected FCF Chart
Credit Agricole Nord de France Intrinsic Value: Projected FCF Competitor Comparison
For the Banks - Regional subindustry, Credit Agricole Nord de France's Price-to-Projected-FCF, along with its competitors' market caps and Price-to-Projected-FCF 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 Price-to-Projected-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Credit Agricole Nord de France's Price-to-Projected-FCF distribution charts can be found below:
* The bar in red indicates where Credit Agricole Nord de France's Price-to-Projected-FCF falls into.
Credit Agricole Nord de France Intrinsic Value: Projected FCF Calculation
Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company.
The details of how we calculate the intrinsic value of stocks are described in detail here.
This method smooths out the free cash flow over the past 6-7 years, multiplies the results by a growth multiple, and adds a portion of Total Stockholders Equity.
* 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.
What does a Intrinsic Value: Projected FCF of $77.20 mean?
Credit Agricole Nord de France (CSRFF) has a Intrinsic Value: Projected FCF of $77.20 as of Aug. 12, 2026. Intrinsic Value: Projected FCF is the stock value based on a projected free cash flow model. View historical data on Credit Agricole Nord de France and its competitors. This is 40532% above median its historical median of 0.19. Over the past decade, Credit Agricole Nord de France's Intrinsic Value: Projected FCF has ranged from 0.10 to 0.28. According to the industry distribution chart, Credit Agricole Nord de France ranks #253 out of 1286 companies in the Banks industry, placing it in the top 19.7%.
Is Credit Agricole Nord de France's Intrinsic Value: Projected FCF too high?
Credit Agricole Nord de France's current Intrinsic Value: Projected FCF of $77.20 is 40532% above median its 10-year median of 0.19. Over the past 10 years, this metric has ranged from a low of 0.10 to a high of 0.28. The Banks industry median Intrinsic Value: Projected FCF is 0.59. Credit Agricole Nord de France's value of $77.20 is 12984.7% above this industry median. Based on the distribution chart, Credit Agricole Nord de France ranks #253 out of 1286 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 52/100, reflecting its overall financial health beyond just this single metric.
How does Credit Agricole Nord de France's Intrinsic Value: Projected FCF compare to competitors?
According to the Banks industry distribution chart, Credit Agricole Nord de France ranks #253 out of 1286 companies for Intrinsic Value: Projected FCF. This places Credit Agricole Nord de France in the top 20% of its industry — outperforming the majority of peers. The industry median Intrinsic Value: Projected FCF is 0.59. Credit Agricole Nord de France's value of $77.20 is 12984.7% above this benchmark. Historically, Credit Agricole Nord de France's own Intrinsic Value: Projected FCF has ranged from 0.10 to 0.28 over the past decade. While the company's 10-year median is 0.19 vs. the industry median of 0.59, 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 Intrinsic Value: Projected FCF for a Banks company?
The median Intrinsic Value: Projected FCF among Banks companies is 0.59, based on 1,286 companies in the industry. Companies in the top quartile (top 25%) have a Intrinsic Value: Projected FCF significantly above this median, while those in the bottom quartile fall well below. However, Intrinsic Value: Projected FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Credit Agricole Nord de France's current Intrinsic Value: Projected FCF of $77.20 is 12984.7% 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 Intrinsic Value: Projected FCF mean?
A high Intrinsic Value: Projected FCF can signal that a stock is expensive relative to its fundamentals. Intrinsic Value: Projected FCF is the stock value based on a projected free cash flow model. View historical data on Credit Agricole Nord de France and its competitors. For the Banks industry, the median Intrinsic Value: Projected FCF is 0.59 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Credit Agricole Nord de France's current Intrinsic Value: Projected FCF is $77.20, which is 40532% above median its own 10-year median of 0.19. 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 Intrinsic Value: Projected FCF of $77.20. The stock's GF Value™ is $11.02, compared to a current price of $21.18 — trading 92.2% above its estimated fair value. The current Intrinsic Value: Projected FCF is $77.20, which is 40532% above median its 10-year median of 0.19 and 12984.7% above the Banks industry median of 0.59. Credit Agricole Nord de France's overall GF Score™ is 52/100. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Intrinsic Value: Projected FCF calculated?
Intrinsic Value: Projected FCF is calculated from a company's financial statements. For Credit Agricole Nord de France (CSRFF), the current Intrinsic Value: Projected FCF is $77.20 as of Aug. 12, 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 92.2% above its estimated GF Value™ of $11.02.
Key valuation signals for CSRFF:
Intrinsic Value: Projected FCF: $77.20 (40532% above median its 10-year median of 0.19)
GF Value™: $11.02 vs. price of $21.18 (92.2% above fair value)
Industry Position: 12984.7% above the Banks median (#253 of 1286)
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.
52GF Score
Get the complete analysis for CSRFF
Intrinsic Value: Projected FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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