CREDIT AGRICOLE DU MORBIHAN (CMO.PA) Fundamental Analysis & Valuation

EPA:CMO • FR0000045551

Current stock price

100 EUR
-3.5 (-3.38%)
Last:

This CMO.PA fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

2

1. CMO.PA Profitability Analysis

1.1 Basic Checks

  • In the past year CMO was profitable.
  • CMO had a negative operating cash flow in the past year.
  • In the past 5 years CMO has always 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 200M -200M 400M -400M 600M

1.2 Ratios

  • CMO has a worse Return On Assets (0.50%) than 70.00% of its industry peers.
  • CMO has a worse Return On Equity (3.11%) than 80.91% of its industry peers.
Industry RankSector Rank
ROA 0.5%
ROE 3.11%
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 1 2 3 4

1.3 Margins

  • Looking at the Profit Margin, with a value of 25.01%, CMO is in line with its industry, outperforming 55.45% of the companies in the same industry.
  • CMO's Profit Margin has improved in the last couple of years.
  • The Operating Margin and Gross Margin are not available for CMO so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 25.01%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-3.06%
PM growth 5Y1.73%
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20 25

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2

2. CMO.PA Health Analysis

2.1 Basic Checks

  • CMO does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • The number of shares outstanding for CMO remains at a similar level compared to 1 year ago.
  • Compared to 5 years ago, CMO has less shares outstanding
  • The debt/assets ratio for CMO is higher compared to a year ago.
CMO.PA Yearly Shares OutstandingCMO.PA Yearly Shares OutstandingYearly Shares Outstanding 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B 10B

2.2 Solvency

  • A Debt/Equity ratio of 0.01 indicates that CMO is not too dependend on debt financing.
  • CMO's Debt to Equity ratio of 0.01 is amongst the best of the industry. CMO outperforms 96.36% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.01
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC7.28%
CMO.PA Yearly LT Debt VS Equity VS FCFCMO.PA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M 200M 250M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

2

3. CMO.PA Growth Analysis

3.1 Past

  • CMO shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 25.98%, 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 3.99% on average per year.
  • The Revenue has decreased by -3.57% in the past year.
  • The Revenue has been growing slightly by 2.22% on average over the past years.
EPS 1Y (TTM)25.98%
EPS 3Y-0.03%
EPS 5Y3.99%
EPS Q2Q%1.17%
Revenue 1Y (TTM)-3.57%
Revenue growth 3Y3.11%
Revenue growth 5Y2.22%
Sales Q2Q%-7.46%

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M 200M 250M

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2

4. CMO.PA Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 7.55, the valuation of CMO can be described as very cheap.
  • Compared to the rest of the industry, the Price/Earnings ratio of CMO indicates a rather cheap valuation: CMO is cheaper than 89.09% of the companies listed in the same industry.
  • When comparing the Price/Earnings ratio of CMO to the average of the S&P500 Index (25.61), we can say CMO is valued rather cheaply.
Industry RankSector Rank
PE 7.55
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)1.89
EPS Next 2YN/A
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

3

5. CMO.PA Dividend Analysis

5.1 Amount

  • CMO has a Yearly Dividend Yield of 3.23%. Purely for dividend investing, there may be better candidates out there.
  • Compared to an average industry Dividend Yield of 4.75, CMO is paying slightly less dividend.
  • CMO's Dividend Yield is rather good when compared to the S&P500 average which is at 1.89.
Industry RankSector Rank
Dividend Yield 3.23%

5.2 History

  • The dividend of CMO has a limited annual growth rate of 5.66%.
Dividend Growth(5Y)5.66%
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 2026 1 2 3

5.3 Sustainability

  • The dividend of CMO is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DPN/A
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 200M -200M 400M -400M 600M

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CMO.PA Fundamentals: All Metrics, Ratios and Statistics

CREDIT AGRICOLE DU MORBIHAN

EPA:CMO (3/25/2026, 7:00:00 PM)

100

-3.5 (-3.38%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-30
Earnings (Next)07-27
Inst Owners4.03%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap156.00M
Revenue(TTM)277.48M
Net Income(TTM)69.41M
AnalystsN/A
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 3.23%
Yearly Dividend1.35
Dividend Growth(5Y)5.66%
DPN/A
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 7.55
Fwd PE N/A
P/S 0.56
P/FCF N/A
P/OCF N/A
P/B 0.07
P/tB 0.07
EV/EBITDA N/A
EPS(TTM)13.24
EY13.24%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)-89.04
FCFYN/A
OCF(TTM)-77.53
OCFYN/A
SpS177.87
BVpS1429.96
TBVpS1429.92
PEG (NY)N/A
PEG (5Y)1.89
Graham Number652.67
Profitability
Industry RankSector Rank
ROA 0.5%
ROE 3.11%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 25.01%
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
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-3.06%
PM growth 5Y1.73%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.02
Health
Industry RankSector Rank
Debt/Equity 0.01
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 316.75%
Cap/Sales 6.47%
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-Score5
WACC7.28%
ROIC/WACCN/A
Cap/Depr(3y)57.57%
Cap/Depr(5y)70.49%
Cap/Sales(3y)1.13%
Cap/Sales(5y)1.53%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)25.98%
EPS 3Y-0.03%
EPS 5Y3.99%
EPS Q2Q%1.17%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-3.57%
Revenue growth 3Y3.11%
Revenue growth 5Y2.22%
Sales Q2Q%-7.46%
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 1Y78.93%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y81.56%
OCF growth 3YN/A
OCF growth 5YN/A

CREDIT AGRICOLE DU MORBIHAN / CMO.PA Fundamental Analysis FAQ

What is the ChartMill fundamental rating of CREDIT AGRICOLE DU MORBIHAN (CMO.PA) stock?

ChartMill assigns a fundamental rating of 2 / 10 to CMO.PA.


What is the valuation status of CREDIT AGRICOLE DU MORBIHAN (CMO.PA) stock?

ChartMill assigns a valuation rating of 2 / 10 to CREDIT AGRICOLE DU MORBIHAN (CMO.PA). This can be considered as Overvalued.


How profitable is CREDIT AGRICOLE DU MORBIHAN (CMO.PA) stock?

CREDIT AGRICOLE DU MORBIHAN (CMO.PA) has a profitability rating of 2 / 10.


What is the financial health of CREDIT AGRICOLE DU MORBIHAN (CMO.PA) stock?

The financial health rating of CREDIT AGRICOLE DU MORBIHAN (CMO.PA) is 2 / 10.