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Caisse Regionale de Credit Agricole Mutuel Nord de France Cert.Coop.d'Inv.

Caisse Regionale de Credit Agricole Mutuel Nord de France Cert.Coop.d'Inv.

23.10
EUR
+0.52
(+2.28%)
1.60BMarket Cap
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
11.16
10.28
11.06
10.56
10.64
10.19
9.81
9.48
10.72
11.17
10.42
11.21
11.62
- -
Basic EPS, GAAP
1.64
2.34
2.78
2.48
2.75
2.3
2.45
1.75
2.77
2.93
2.36
2.95
3.15
- -
Free Cash Flow per Basic Share
7.85
-5.9
-0.63
18.77
13.38
-4.38
8.04
16.3
26.83
-5.53
-12.02
-12.39
-2.67
- -
Dividend per Share
0.36
0.51
0.48
0.51
0.61
- -
- -
- -
- -
- -
- -
- -
- -
- -
Book Value per Share
54.14
56.73
58.95
61.3
65.19
72.56
77.9
78.61
89.2
88.78
93.07
97.69
108.69
108.69
Tangible Book Value per Share
54.04
56.65
58.87
61.23
65.09
72.43
77.76
78.45
88.99
88.56
92.78
97.35
108.18
108.18
Basic Weighted Avg Shares
58
58
58
58
58
58
58
58
58
58
58
59
58
58
Sales/Revenue/Turnover
648
596
641
612
616
590
568
549
620
646
602
657
672
- -
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
79
48
45
58
18
36
47
70
52
80
23
23
23
- -
Net Income, GAAP
95
136
161
144
159
133
142
101
160
170
137
173
182
- -
Effective Tax Rate (%)
41.23
35.13
30.07
30.59
25.18
23.85
20.21
28.58
19.75
10.99
9.88
9.39
13.27
- -
Profit Margin (%)
14.68
22.79
25.12
23.54
25.84
22.53
24.94
18.42
25.82
26.28
22.69
26.34
27.09
- -
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
2,112
1,783
1,530
1,359
1,223
1,107
752
802
175
220
150
170
131
131
Total Equity
3,146
3,294
3,422
3,555
3,779
4,206
4,514
4,554
5,166
5,141
5,389
5,731
6,303
6,303
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
1.66
2.63
3.17
2.91
3.21
2.57
2.67
1.87
2.99
3.16
2.5
3.01
2.94
- -
Return on Common Equity (%)
3.06
4.22
4.8
4.13
4.35
3.33
3.25
2.23
3.3
3.3
2.6
3.12
3.03
- -

Capital Structure

EUR

•

in mil. unless spec.
Dec'24
Jun'25
Dec'25
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
59
58
58
Market Capitalization
847
1,041
1,600

Working Capital

EUR

•

in mil. unless spec.
Dec'24
Jun'25
Dec'25
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
3,138
3,277
2,770
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

EUR

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
6.38%
6.82%
9.98%
Free Cash Flow
-341.71%
-2.64%
-78.74%
Net Income, GAAP
3.82%
15.36%
5.27%
Sales/Revenue/Turnover
0.66%
4.36%
2.37%
Total Cash Common Dividend
- -
- -
- -

Semi-annual Revenue

EUR

•

in mil. unless spec.

Year

H1
H2
FY
2023
- -
- -
602
2024
- -
- -
657
2025
- -
- -
672

Semi-annual Earnings Per Share

EUR

•

in mil. unless spec.

Year

H1
H2
FY
2023
- -
- -
2.36
2024
- -
- -
2.95
2025
- -
- -
3.15

Semi-annual Dividends Per Share

EUR

•

in mil. unless spec.

Year

H1
H2
FY
2023
- -
- -
- -
2024
- -
- -
- -
2025
- -
- -
- -

Company Description

Company Profile APIChatGPT
CEO
Laurent Martin
Full Time Employees
2,612
Sector
Finance
Industry
Major banks
Address
10 Avenue Foch Lille HDF France 59020
IPO Date
Jul 16, 2002
Website
communication.ca-norddefrance.fr
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Business
Caisse Régionale de Crédit Agricole Mutuel Nord de France Société coopérative is a cooperative regional bank headquartered in Lille, France, founded in 1894. It operates primarily in the retail banking and insurance sectors, serving individuals, farmers, professionals, small and medium-sized enterprises (SMEs), businesses, and local authorities in the Nord and Pas-de-Calais regions. The bank provides a comprehensive range of financial products and services including current accounts; credit and debit cards; savings products such as monetary deposits, time deposits, housing savings, retirement savings, and bonds; various loan types including consumer, car, and mortgage loans; life insurance; banking risk and multi-risk insurance; civil liability insurance; asset management; and brokerage services. The bank manages deposits totaling approximately EUR 38.7 billion and outstanding loans around EUR 28.7 billion as of the end of 2024. Its insurance segment has grown notably, with the number of insurance contracts increasing by 4.6% in 2024, expecting to surpass 100,000 contracts sold that year. The group has experienced a rise in credit activity, particularly in housing loans, which grew by 19.1% compared to the previous year, despite a slight overall reduction in credit outstanding. The bank also confronts a significant increase in its cost of risk, partly due to deteriorating economic conditions affecting corporate and professional clients. Recent strategic developments include the intensification of insurance operations, digital banking services expansion, and a partnership with Crelan, which strengthens its market position in the payment services and merchant acquiring sectors across France. The bank continues to reinvest nearly 90% of its results locally, supporting regional economic projects and community initiatives. It operates under the umbrella of Crédit Agricole S.A., a leading French cooperative banking group. The institution maintains a high credit rating, with Moody's assigning it an Aa2 rating, reflecting strong financial stability and creditworthiness. Overall, Caisse Régionale de Crédit Agricole Mutuel Nord de France solidifies its role as a key regional financial institution through diversified banking and insurance offerings, strategic partnerships, and active support for the local economy and communities where it operates.