Data sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.
Data sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.
Caisse Régionale de Crédit Agricole Mutuel Nord de France Société coopérative is a regional cooperative bank based in northern France, operating as part of the Crédit Agricole group. It provides a comprehensive range of financial services, including real estate loans, savings accounts, credit cards, insurance products, and financing simulations for mortgages and other needs, serving individuals, businesses, professionals, and associations. As a société coopérative à capital variable, it issues Certificats Coopératifs d'Investissement (CCI), which are non-voting securities entitling holders to a share of net assets and dividend payments, traded on Euronext Paris. The bank manages substantial assets, with €38.7 billion in deposits and €28.7 billion in loans as of end-2024, supported by a network of 70 local branches and 220 agencies across the Nord and Pas-de-Calais regions. Employing around 3,162 people, it emphasizes local reinvestment, territorial engagement, and community support through cultural, sports, and solidarity initiatives. In the financial markets, it plays a key role in regional banking, offering stable dividend yields and contributing to France's cooperative banking sector.
Revenue growth slowed to 2.4%, essentially flat. This is a business that needs a catalyst.
Negative free cash flow of -€154M. The business is consuming cash, not generating it.
Profitability & Returns
Revenue (TTM)
€672M
▲ +2.4% YoY
Net Income (TTM)
€183M
▲ +5.3% YoY
Op. Margin
—
ROIC
—
Cash Flow & Balance Sheet
FCF (TTM)
-€154M
▲ +79.2% YoY
Op. Cash Flow (TTM)
-€142M
▲ +80.5% YoY
Net Debt
-€2.64B
Net Cash Position
Cash & Equiv.
€2.77B
3Y CAGR: +1.3%
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