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

EPA:CMO • FR0000045551

107 EUR
+0.5 (+0.47%)
Last: Feb 19, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership
Fundamental Rating

2

CMO gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 110 industry peers in the Banks industry. Both the profitability and financial health of CMO have multiple concerns. CMO is valued expensive and it does not seem to be growing.


Dividend Valuation Growth Profitability Health

2

1. Profitability

1.1 Basic Checks

  • In the past year CMO was profitable.
  • In the past year CMO has reported a negative cash flow from operations.
  • 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

  • Looking at the Return On Assets, with a value of 0.50%, CMO is doing worse than 73.64% of the companies in the same industry.
  • Looking at the Return On Equity, with a value of 3.11%, CMO is doing worse than 80.00% of the companies in the same industry.
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

  • CMO has a Profit Margin of 25.01%. This is comparable to the rest of the industry: CMO outperforms 56.36% of its industry peers.
  • In the last couple of years the Profit Margin of CMO has grown nicely.
  • 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) 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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ROAROEROICOperating and Profit MarginShow most profitable peers

2

2. Health

2.1 Basic Checks

  • CMO does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • Compared to 1 year ago, CMO has about the same amount of shares outstanding.
  • Compared to 5 years ago, CMO has less shares outstanding
  • CMO has a worse debt/assets ratio than last year.
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

  • CMO has a Debt/Equity ratio of 0.01. This is a healthy value indicating a solid balance between debt and equity.
  • CMO has a Debt to Equity ratio of 0.01. This is amongst the best in 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
WACC7.46%
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. Growth

3.1 Past

  • The Earnings Per Share has grown by an impressive 25.98% over the past year.
  • CMO shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 3.99% yearly.
  • CMO shows a decrease in Revenue. In the last year, the revenue decreased by -3.57%.
  • CMO shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 2.22% yearly.
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. Valuation

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 8.08 indicates a reasonable valuation of CMO.
  • CMO's Price/Earnings ratio is rather cheap when compared to the industry. CMO is cheaper than 90.00% of the companies in the same industry.
  • CMO's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.09.
Industry RankSector Rank
PE 8.08
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)2.02
EPS Next 2YN/A
EPS Next 3YN/A

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

3

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 2.75%, CMO has a reasonable but not impressive dividend return.
  • Compared to an average industry Dividend Yield of 4.33, CMO is paying slightly less dividend.
  • CMO's Dividend Yield is a higher than the S&P500 average which is at 1.85.
Industry RankSector Rank
Dividend Yield 2.75%

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 1 2 3

5.3 Sustainability

  • CMO's earnings are growing slower than its dividend. 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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CREDIT AGRICOLE DU MORBIHAN

EPA:CMO (2/19/2026, 7:00:00 PM)

107

+0.5 (+0.47%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-30
Earnings (Next)07-27
Inst Owners4.1%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap166.92M
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 2.75%
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 8.08
Fwd PE N/A
P/S 0.6
P/FCF N/A
P/OCF N/A
P/B 0.07
P/tB 0.07
EV/EBITDA N/A
EPS(TTM)13.24
EY12.37%
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)2.02
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
WACC7.46%
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 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.