What is Credit Agricole Nord de France Net Margin %?
Credit Agricole Nord de FranceXPAR:CNDF +0.49%53 Net Margin % is 19.64% as of Dec. 2025, which is 23% below its 10-year median of 25.38. GuruFocus rates XPAR:CNDF with a GF Score™ of 53/100 and a GF Value™ of €15.47 (Significantly Overvalued). Among 1,530 Banks companies, Credit Agricole Nord de France ranks better than 51.11% on this metric.
The historical rank and industry rank for Credit Agricole Nord de France's Net Margin % or its related term are showing as below:
XPAR:CNDF'
s Net Margin % Range Over the Past 10 Years
Min: 18.42 Med: 25.38 Max: 27.09
Current: 27.09
XPAR:CNDF's Net Margin % is ranked better than 51.11% of 1530
companies
in the Banks industry
Industry Median: 26.845
vs XPAR:CNDF: 27.09
Credit Agricole Nord de France (XPAR:CNDF) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Credit Agricole Nord de France Net Margin % Related Terms
Credit Agricole Nord de France Net Margin % 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 Net Margin % Competitor Comparison
For the Banks - Regional subindustry, Credit Agricole Nord de France's Net Margin %, along with its competitors' market caps and Net Margin % 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Credit Agricole Nord de France's Net Margin % distribution charts can be found below:
* The bar in red indicates where Credit Agricole Nord de France's Net Margin % falls into.
* 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 Net Margin % of 19.64% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on Credit Agricole Nord de France and its competitors. This is 23% below median its historical median of 25.38. Over the past decade, Credit Agricole Nord de France's Net Margin % has ranged from 18.42 to 27.09. According to the industry distribution chart, Credit Agricole Nord de France ranks #748 out of 1530 companies in the Banks industry, placing it in the top 48.9%.
Is Credit Agricole Nord de France's Net Margin % too high?
Credit Agricole Nord de France's current Net Margin % of 19.64% is 23% below median its 10-year median of 25.38. Over the past 10 years, this metric has ranged from a low of 18.42 to a high of 27.09. The Banks industry median Net Margin % is 26.85. Credit Agricole Nord de France's value of 19.64% is 26.8% below this industry median. Based on the distribution chart, Credit Agricole Nord de France ranks #748 out of 1530 companies in the Banks industry, which is above 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 Net Margin % compare to competitors?
According to the Banks industry distribution chart, Credit Agricole Nord de France ranks #748 out of 1530 companies for Net Margin %. This puts Credit Agricole Nord de France in the upper half of its industry. The industry median Net Margin % is 26.85. Credit Agricole Nord de France's value of 19.64% is 26.8% below this benchmark. Historically, Credit Agricole Nord de France's own Net Margin % has ranged from 18.42 to 27.09 over the past decade. While the company's 10-year median is 25.38 vs. the industry median of 26.85, 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.85, based on 1,530 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Credit Agricole Nord de France's current Net Margin % of 19.64% is 26.8% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Credit Agricole Nord de France and its competitors. For the Banks industry, the median Net Margin % is 26.85 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Credit Agricole Nord de France's current Net Margin % is 19.64%, which is 23% below median its own 10-year median of 25.38. 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 €28.87 — trading 86.6% above its estimated fair value. The current Net Margin % is 19.64%, which is 23% below median its 10-year median of 25.38 and 26.8% below the Banks industry median of 26.85. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Credit Agricole Nord de France (XPAR:CNDF), the current Net Margin % is 19.64% 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 (XPAR:CNDF) Overvalued in 2026?
Based on GuruFocus' analysis, Credit Agricole Nord de France stock appears to be overvalued.
The current stock price of €28.87 is trading 86.6% 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:
Net Margin %: 19.64% (23% below median its 10-year median of 25.38)
GF Value™: €15.47 vs. price of €28.87 (86.6% above fair value)
Industry Position: 26.8% below the Banks median (#748 of 1530)
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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