Caisse Régionale de Crédit Agricole Mutuel Nord de France Société coopérative (CNDF.PA)

Caisse Régionale de Crédit Agricole Mutuel Nord de France Société coopérative (CNDF.PA) — VMCI valuation read

Caisse Régionale de Crédit Agricole Mutuel Nord de France Société coopérative (CNDF.PA) carries a VMCI composite of 54/100, 4 points above the Financial Services sector median of 50. Among mid-cap names, that gap places CNDF.PA in the top third on the five-pillar weighting (Value 35%, Quality 30%, Integrity 15%, Growth 12%, Risk 8%).

The CNDF.PA insider tape has been silent for the past 30 days on Form 4. Where executives neither buy nor sell, the bull and bear cases lean harder on filings cadence and the next earnings line.

**Investor frame.** Value reads CNDF.PA trades at 24.0x earnings, 33% above the Financial Services median of 18.0x, which compresses or extends through the 11.0x EV/EBITDA versus a Financial Services 12.0x. Quality: ROIC of 14.0% sits 4.0pp above the Financial Services median (10.0%). Risk: net debt to EBITDA of 1.3x leaves covenant headroom, the line to track on Caisse Régionale de Crédit Agricole Mutuel Nord de France Société coopérative's next 10-Q.

CNDF.PA rose 3.9% over the trailing 7 days, with a -12.2% read on a 30-day basis.