CREDIT AGRICOLE DU MORBIHAN (CMO.PA) Stock Fundamental Analysis
Europe - Euronext Paris - EPA:CMO - FR0000045551 - Common Stock
101.06 EUR
-3.94 (-3.75%)
Overall CMO gets a fundamental rating of 2 out of 10. We evaluated CMO against 108 industry peers in the Banks industry. CMO may be in some trouble as it scores bad on both profitability and health. CMO does not seem to be growing, but still is valued expensively.
1. Profitability
1.1 Basic Checks
CMO had positive earnings in the past year.
CMO had a negative operating cash flow in the past year.
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.
1.2 Ratios
CMO has a worse Return On Assets (0.50%) than 66.67% of its industry peers.
The Return On Equity of CMO (3.11%) is worse than 79.63% of its industry peers.
| Industry Rank | Sector 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
1.3 Margins
Looking at the Profit Margin, with a value of 25.01%, CMO is in the better half of the industry, outperforming 60.19% of the companies in the same industry.
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 Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 25.01% | ||
| 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
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.
The number of shares outstanding for CMO has been increased compared to 5 years ago.
The debt/assets ratio for CMO is higher compared to a year ago.
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 98.15% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.01 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC7.32%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 25.98% over the past year.
The Earnings Per Share has been growing slightly by 3.80% on average over the past years.
The Revenue has decreased by -3.57% 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)25.98%
EPS 3Y-0.35%
EPS 5Y3.8%
EPS Q2Q%1.23%
Revenue 1Y (TTM)-3.57%
Revenue growth 3Y3.09%
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.
4. Valuation
4.1 Price/Earnings Ratio
CMO is valuated cheaply with a Price/Earnings ratio of 7.63.
Based on the Price/Earnings ratio, CMO is valued cheaply inside the industry as 87.04% of the companies are valued more expensively.
The average S&P500 Price/Earnings ratio is at 25.98. CMO is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.63 | ||
| Fwd PE | N/A |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)2.01
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 3.07%, CMO has a reasonable but not impressive dividend return.
CMO's Dividend Yield is slightly below the industry average, which is at 4.85.
CMO's Dividend Yield is a higher than the S&P500 average which is at 2.41.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.07% |
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
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
EPA:CMO (11/25/2025, 3:51:22 PM)
101.06
-3.94 (-3.75%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners4.62%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap157.65M
Revenue(TTM)277.48M
Net Income(TTM)69.41M
AnalystsN/A
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.07% |
Yearly Dividend1.35
Dividend Growth(5Y)4.59%
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 Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.63 | ||
| Fwd PE | N/A | ||
| P/S | 0.57 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.07 | ||
| P/tB | 0.07 | ||
| EV/EBITDA | N/A |
EPS(TTM)13.24
EY13.1%
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)2.01
Graham Number652.67
Profitability
| Industry Rank | Sector 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-3.04%
PM growth 5Y1.72%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.02
Health
| Industry Rank | Sector 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
WACC7.32%
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)25.98%
EPS 3Y-0.35%
EPS 5Y3.8%
EPS Q2Q%1.23%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-3.57%
Revenue growth 3Y3.09%
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
Can you provide the ChartMill fundamental rating for CREDIT AGRICOLE DU MORBIHAN?
ChartMill assigns a fundamental rating of 2 / 10 to CMO.PA.
What is the valuation status for CMO 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 valuation of CREDIT AGRICOLE DU MORBIHAN based on its PE and PB ratios?
The Price/Earnings (PE) ratio for CREDIT AGRICOLE DU MORBIHAN (CMO.PA) is 7.63 and the Price/Book (PB) ratio is 0.07.
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 1 / 10.