Credit Agricole Nord de FranceCSRFF 53 Pretax Margin % is 25.49% as of Dec. 2025, which is 16% below its 10-year median of 30.48. GuruFocus rates CSRFF with a GF Score™ of 53/100 and a GF Value™ of $11.41. Among 1,528 Banks companies, Credit Agricole Nord de France ranks worse than 59.29% on this metric.
The historical rank and industry rank for Credit Agricole Nord de France's Pretax Margin % or its related term are showing as below:
CSRFF'
s Pretax Margin % Range Over the Past 10 Years
Min: 25.25 Med: 30.48 Max: 34.6
Current: 31.39
CSRFF's Pretax Margin % is ranked worse than 59.29% of 1528
companies
in the Banks industry
Industry Median: 34.715
vs CSRFF: 31.39
Credit Agricole Nord de France (OTCPK:CSRFF) Pretax Margin % Explanation
The pretax margin, as know as pretax profit margin, is widely used to measure the operating efficiency of a company before deducting taxes.
The pretax margin is sometimes preferred over the net margin as tax expenditures can make profitability comparisons between companies misleading.
It is a useful tool to compare companies operating in the same sector and less effective when comparing companies from other sectors as each industry generally has different operating expenses and sales patterns.
The long term trend of the pretax margin is a good indicator of the competitiveness and health of the business.
Credit Agricole Nord de France Pretax Margin % Related Terms
Credit Agricole Nord de France Pretax 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 Pretax Margin % Chart
Credit Agricole Nord de France Pretax Margin % Competitor Comparison
For the Banks - Regional subindustry, Credit Agricole Nord de France's Pretax Margin %, along with its competitors' market caps and Pretax 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 Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Credit Agricole Nord de France's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Credit Agricole Nord de France's Pretax 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 (CSRFF) has a Pretax Margin % of 25.49% as of Dec. 2025. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Credit Agricole Nord de France and its competitors. This is 16% below median its historical median of 30.48. Over the past decade, Credit Agricole Nord de France's Pretax Margin % has ranged from 25.25 to 34.60. According to the industry distribution chart, Credit Agricole Nord de France ranks #906 out of 1528 companies in the Banks industry, placing it in the top 59.3%.
Is Credit Agricole Nord de France's Pretax Margin % too high?
Credit Agricole Nord de France's current Pretax Margin % of 25.49% is 16% below median its 10-year median of 30.48. Over the past 10 years, this metric has ranged from a low of 25.25 to a high of 34.60. The Banks industry median Pretax Margin % is 34.72. Credit Agricole Nord de France's value of 25.49% is 26.6% below this industry median. Based on the distribution chart, Credit Agricole Nord de France ranks #906 out of 1528 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 Pretax Margin % compare to competitors?
According to the Banks industry distribution chart, Credit Agricole Nord de France ranks #906 out of 1528 companies for Pretax Margin %. This places Credit Agricole Nord de France in the lower half of its industry. The industry median Pretax Margin % is 34.72. Credit Agricole Nord de France's value of 25.49% is 26.6% below this benchmark. Historically, Credit Agricole Nord de France's own Pretax Margin % has ranged from 25.25 to 34.60 over the past decade. While the company's 10-year median is 30.48 vs. the industry median of 34.72, 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 Pretax Margin % for a Banks company?
The median Pretax Margin % among Banks companies is 34.72, based on 1,528 companies in the industry. Companies in the top quartile (top 25%) have a Pretax Margin % significantly above this median, while those in the bottom quartile fall well below. However, Pretax 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 Pretax Margin % of 25.49% is 26.6% 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 Pretax Margin % mean?
A high Pretax Margin % can signal that a stock is expensive relative to its fundamentals. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Credit Agricole Nord de France and its competitors. For the Banks industry, the median Pretax Margin % is 34.72 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Credit Agricole Nord de France's current Pretax Margin % is 25.49%, which is 16% below median its own 10-year median of 30.48. 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 Pretax Margin % of 25.49%. 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 Pretax Margin % is 25.49%, which is 16% below median its 10-year median of 30.48 and 26.6% below the Banks industry median of 34.72. 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 Pretax Margin % calculated?
Pretax Margin % is calculated from a company's financial statements. For Credit Agricole Nord de France (CSRFF), the current Pretax Margin % is 25.49% 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:
Pretax Margin %: 25.49% (16% below median its 10-year median of 30.48)
GF Value™: $11.41 vs. price of $21.18 (85.6% above fair value)
Industry Position: 26.6% below the Banks median (#906 of 1528)
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
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