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CREDIT AGRICOLE DU MORBIHAN (CMO.PA) Stock Fundamental Analysis

EPA:CMO - Euronext Paris - Matif - FR0000045551 - Common Stock - Currency: EUR

94.02  +1.13 (+1.22%)

Fundamental Rating

2

Taking everything into account, CMO scores 2 out of 10 in our fundamental rating. CMO was compared to 91 industry peers in the Banks industry. CMO may be in some trouble as it scores bad on both profitability and health. CMO has a expensive valuation and it also scores bad on growth.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

CMO had positive earnings in the past year.
In the past year CMO has reported a negative cash flow from operations.
Each year in the past 5 years CMO has been profitable.
In multiple years CMO reported negative operating cash flow during the last 5 years.
CMO.PA Yearly Net Income VS EBIT VS OCF VS FCFCMO.PA Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 200M -200M 400M -400M 600M

1.2 Ratios

With a Return On Assets value of 0.50%, CMO is not doing good in the industry: 60.44% of the companies in the same industry are doing better.
Looking at the Return On Equity, with a value of 3.23%, CMO is doing worse than 79.12% of the companies in the same industry.
Industry RankSector Rank
ROA 0.5%
ROE 3.23%
ROIC N/A
ROA(3y)0.49%
ROA(5y)0.49%
ROE(3y)3.43%
ROE(5y)3.42%
ROIC(3y)N/A
ROIC(5y)N/A
CMO.PA Yearly ROA, ROE, ROICCMO.PA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1 2 3 4 5

1.3 Margins

CMO has a better Profit Margin (23.74%) than 64.84% of its industry peers.
CMO's Profit Margin has improved in the last couple of years.
CMO does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 23.74%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-3.04%
PM growth 5Y1.72%
GM growth 3YN/A
GM growth 5YN/A
CMO.PA Yearly Profit, Operating, Gross MarginsCMO.PA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20 25

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1

2. Health

2.1 Basic Checks

CMO does not have a ROIC to compare to the WACC, probably because it is not profitable.
CMO has about the same amout of shares outstanding than it did 1 year ago.
Compared to 5 years ago, CMO has more shares outstanding
CMO has a worse debt/assets ratio than last year.
CMO.PA Yearly Shares OutstandingCMO.PA Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1M 2M 3M 4M 5M
CMO.PA Yearly Total Debt VS Total AssetsCMO.PA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B 10B

2.2 Solvency

CMO has a Debt/Equity ratio of 0.01. This is a healthy value indicating a solid balance between debt and equity.
CMO's Debt to Equity ratio of 0.01 is amongst the best of the industry. CMO outperforms 97.80% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.01
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC7.1%
CMO.PA Yearly LT Debt VS Equity VS FCFCMO.PA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 500M 1B 1.5B 2B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
CMO.PA Yearly Current Assets VS Current LiabilitesCMO.PA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M 200M 250M

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3

3. Growth

3.1 Past

CMO shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 33.15%, which is quite impressive.
Measured over the past 5 years, CMO shows a small growth in Earnings Per Share. The EPS has been growing by 3.80% on average per year.
The Revenue has been growing slightly by 6.13% in the past year.
CMO shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 2.22% yearly.
EPS 1Y (TTM)33.15%
EPS 3Y-0.35%
EPS 5Y3.8%
EPS Q2Q%240.96%
Revenue 1Y (TTM)6.13%
Revenue growth 3Y3.09%
Revenue growth 5Y2.22%
Sales Q2Q%1.74%

3.2 Future

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
CMO.PA Yearly Revenue VS EstimatesCMO.PA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M 200M 250M

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4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 7.16, the valuation of CMO can be described as very cheap.
Based on the Price/Earnings ratio, CMO is valued cheaply inside the industry as 90.11% of the companies are valued more expensively.
When comparing the Price/Earnings ratio of CMO to the average of the S&P500 Index (27.03), we can say CMO is valued rather cheaply.
Industry RankSector Rank
PE 7.16
Fwd PE N/A
CMO.PA Price Earnings VS Forward Price EarningsCMO.PA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
CMO.PA Per share dataCMO.PA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 500 1K

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)1.88
EPS Next 2YN/A
EPS Next 3YN/A

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4

5. Dividend

5.1 Amount

CMO has a Yearly Dividend Yield of 3.13%.
CMO's Dividend Yield is slightly below the industry average, which is at 5.02.
CMO's Dividend Yield is a higher than the S&P500 average which is at 2.40.
Industry RankSector Rank
Dividend Yield 3.13%

5.2 History

The dividend of CMO has a limited annual growth rate of 4.59%.
Dividend Growth(5Y)4.59%
Div Incr Years1
Div Non Decr Years1
CMO.PA Yearly Dividends per shareCMO.PA Yearly Dividends per shareYearly Dividends per share 2019 2020 2021 2022 2023 2024 2025 1 2 3

5.3 Sustainability

10.28% of the earnings are spent on dividend by CMO. This is a low number and sustainable payout ratio.
CMO's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP10.28%
EPS Next 2YN/A
EPS Next 3YN/A
CMO.PA Yearly Income VS Free CF VS DividendCMO.PA Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 200M -200M 400M -400M 600M
CMO.PA Dividend Payout.CMO.PA Dividend Payout, showing the Payout Ratio.CMO.PA Dividend Payout.PayoutRetained Earnings

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CREDIT AGRICOLE DU MORBIHAN

EPA:CMO (8/6/2025, 4:14:32 PM)

94.02

+1.13 (+1.22%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-28 2025-07-28
Earnings (Next)01-29 2026-01-29
Inst Owners4.9%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap146.67M
AnalystsN/A
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 3.13%
Yearly Dividend1.35
Dividend Growth(5Y)4.59%
DP10.28%
Div Incr Years1
Div Non Decr Years1
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 7.16
Fwd PE N/A
P/S 0.51
P/FCF N/A
P/OCF N/A
P/B 0.07
P/tB 0.07
EV/EBITDA N/A
EPS(TTM)13.13
EY13.97%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)-45.14
FCFYN/A
OCF(TTM)-43.18
OCFYN/A
SpS185.81
BVpS1363.82
TBVpS1363.78
PEG (NY)N/A
PEG (5Y)1.88
Profitability
Industry RankSector Rank
ROA 0.5%
ROE 3.23%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 23.74%
GM N/A
FCFM N/A
ROA(3y)0.49%
ROA(5y)0.49%
ROE(3y)3.43%
ROE(5y)3.42%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-3.04%
PM growth 5Y1.72%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.02
Health
Industry RankSector Rank
Debt/Equity 0.01
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 56.56%
Cap/Sales 1.05%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC7.1%
ROIC/WACCN/A
Cap/Depr(3y)57.57%
Cap/Depr(5y)70.4%
Cap/Sales(3y)1.13%
Cap/Sales(5y)1.52%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)33.15%
EPS 3Y-0.35%
EPS 5Y3.8%
EPS Q2Q%240.96%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)6.13%
Revenue growth 3Y3.09%
Revenue growth 5Y2.22%
Sales Q2Q%1.74%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y84.14%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y84.7%
OCF growth 3YN/A
OCF growth 5YN/A