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

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

79.01  -0.49 (-0.62%)

Fundamental Rating

2

CMO gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 96 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.
CMO had a negative operating cash flow in the past year.
In the past 5 years CMO has always been profitable.
The reported operating cash flow has been mixed in the past 5 years: CMO reported negative operating cash flow in multiple 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

CMO's Return On Assets of 0.50% is on the low side compared to the rest of the industry. CMO is outperformed by 61.46% of its industry peers.
With a Return On Equity value of 3.23%, CMO is not doing good in the industry: 80.21% of the companies in the same industry are doing better.
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 Profit Margin of 23.74%. This is in the better half of the industry: CMO outperforms 64.58% of its industry peers.
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) 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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2. Health

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.
CMO has more shares outstanding than it did 5 years ago.
The debt/assets ratio for CMO is higher compared to a year ago.
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

A Debt/Equity ratio of 0.01 indicates that CMO is not too dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.01, CMO belongs to the top of the industry, outperforming 97.92% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.01
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC7.04%
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. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 33.15% over the past year.
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.
Looking at the last year, CMO shows a small growth in Revenue. The Revenue has grown by 6.13% in the last year.
The Revenue has been growing slightly by 2.22% on average over the past years.
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

Based on the Price/Earnings ratio of 6.02, 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 91.67% of the companies listed in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.32, CMO is valued rather cheaply.
Industry RankSector Rank
PE 6.02
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 0 200 400 600 800 1K

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)1.58
EPS Next 2YN/A
EPS Next 3YN/A

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 3.79%, CMO has a reasonable but not impressive dividend return.
CMO's Dividend Yield is slightly below the industry average, which is at 5.14.
Compared to an average S&P500 Dividend Yield of 2.40, CMO pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.79%

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.
The dividend of CMO is growing, but the earnings are growing slower. 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 (6/17/2025, 7:00:00 PM)

79.01

-0.49 (-0.62%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-23 2025-01-23
Earnings (Next)07-24 2025-07-24
Inst Owners4.9%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap124.05M
AnalystsN/A
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 3.79%
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 6.02
Fwd PE N/A
P/S 0.43
P/FCF N/A
P/OCF N/A
P/B 0.06
P/tB 0.06
EV/EBITDA N/A
EPS(TTM)13.13
EY16.62%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)-44.85
FCFYN/A
OCF(TTM)-42.91
OCFYN/A
SpS184.62
BVpS1355.13
TBVpS1355.09
PEG (NY)N/A
PEG (5Y)1.58
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
WACC7.04%
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