Credit Agricole Nord de FranceXPAR:CNDF +0.21%53 Median PS Value is €22.11 as of Jul. 02, 2026, which is 100% below its 10-year median of 0.81. GuruFocus rates XPAR:CNDF with a GF Score™ of 53/100 and a GF Value™ of €15.47 (Significantly Overvalued). Among 1,042 Banks companies, Credit Agricole Nord de France ranks worse than 72.65% on this metric.
This valuation method assumes that the stock valuation will revert to its historical (10-Year) median in terms of PS Ratio. The reason we use PS Ratio instead of PE Ratio or PB Ratio is because PS Ratio is independent of profit margin, and can be applied to a broader range of situations.
The historical rank and industry rank for Credit Agricole Nord de France's Median PS Value or its related term are showing as below:
XPAR:CNDF'
s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.67 Med: 0.81 Max: 1.37
Current: 1.37
During the past 13 years, the highest Price to Median PS Value of Credit Agricole Nord de France was 1.37. The lowest was 0.67. And the median was 0.81.
XPAR:CNDF's Price-to-Median-PS-Value is ranked worse than 72.65% of 1042
companies
in the Banks industry
Industry Median: 1.12
vs XPAR:CNDF: 1.37
Credit Agricole Nord de France (XPAR:CNDF) Median PS Value Explanation
This valuation method assumes that the stock valuation will revert to its historical (10-Year) mean in terms of PS Ratio. The reason we use PS Ratio instead of PE Ratio or PB Ratio
is because PS Ratio is independent of profit margin, and can be applied to a broader range of situations.
It also assumes that over time the profit margin is constant. If a company increases its profit margin to a sustainable level, this value might under-estimate its value. If it has permanent declined profit margins, this may over-estimate the company's value.
Credit Agricole Nord de France's Price to Median PS Value for today is calculated as
Price to Median PS Value
=
Share Price
/
Median PS Value
=
30.335
/
22.11
=
1.37
* 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 Median PS Value Related Terms
Credit Agricole Nord de France Median PS Value 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 Median PS Value Chart
Credit Agricole Nord de France Median PS Value Competitor Comparison
For the Banks - Regional subindustry, Credit Agricole Nord de France's Price-to-Median-PS-Value, along with its competitors' market caps and Price-to-Median-PS-Value 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-Median-PS-Value vs Banks Industry
For the Banks industry and Financial Services sector, Credit Agricole Nord de France's Price-to-Median-PS-Value distribution charts can be found below:
* The bar in red indicates where Credit Agricole Nord de France's Price-to-Median-PS-Value falls into.
10-Year Median PS Ratio is 1.9136.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Credit Agricole Nord de France's Revenue per Share for the trailing twelve months (TTM) ended in Dec. 2025 was €11.554.
* 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 (XPAR:CNDF) has a Median PS Value of €22.11 as of Jul. 02, 2026. Median price-sales value is the stock value based on a company's 10-year median price-sales ratio, View historical data on Credit Agricole Nord de France and its competitors. This is 2630% above median its historical median of 0.81. Over the past decade, Credit Agricole Nord de France's Median PS Value has ranged from 0.67 to 1.37. According to the industry distribution chart, Credit Agricole Nord de France ranks #757 out of 1042 companies in the Banks industry, placing it in the top 72.6%.
Is Credit Agricole Nord de France's Median PS Value too high?
Credit Agricole Nord de France's current Median PS Value of €22.11 is 2630% above median its 10-year median of 0.81. Over the past 10 years, this metric has ranged from a low of 0.67 to a high of 1.37. Based on the distribution chart, Credit Agricole Nord de France ranks #757 out of 1042 companies in the Banks industry, which is below the industry midpoint. 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 Median PS Value compare to competitors?
According to the Banks industry distribution chart, Credit Agricole Nord de France ranks #757 out of 1042 companies for Median PS Value. This places Credit Agricole Nord de France in the lower half of its industry. The industry median Median PS Value is 1.12. Historically, Credit Agricole Nord de France's own Median PS Value has ranged from 0.67 to 1.37 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Median PS Value for a Banks company?
The median Median PS Value among Banks companies is 1.12, based on 1,042 companies in the industry. Companies in the top quartile (top 25%) have a Median PS Value significantly above this median, while those in the bottom quartile fall well below. However, Median PS Value 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 Median PS Value mean?
A high Median PS Value can signal that a stock is expensive relative to its fundamentals. Median price-sales value is the stock value based on a company's 10-year median price-sales ratio, View historical data on Credit Agricole Nord de France and its competitors. For the Banks industry, the median Median PS Value is 1.12 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Credit Agricole Nord de France's current Median PS Value is €22.11, which is 2630% above median its own 10-year median of 0.81. 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 Median PS Value is €22.11, which is 2630% above median its 10-year median of 0.81. 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 Median PS Value calculated?
Median PS Value is calculated from a company's financial statements. For Credit Agricole Nord de France (XPAR:CNDF), the current Median PS Value is €22.11 as of Jul. 02, 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 (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:
Median PS Value: €22.11 (2630% above median its 10-year median of 0.81)
GF Value™: €15.47 vs. price of €30.34 (96.1% above fair value)
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
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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