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

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

76  +1 (+1.33%)

Fundamental Rating

2

Taking everything into account, CMO scores 2 out of 10 in our fundamental rating. CMO was compared to 92 industry peers in the Banks industry. CMO has a bad profitability rating. Also its financial health evaluation is rather negative. CMO is valued expensive and it does not seem to be growing.


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.
CMO had positive earnings in each of the past 5 years.
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 has a worse Return On Assets (0.50%) than 60.42% of its industry peers.
CMO's Return On Equity of 3.23% is on the low side compared to the rest of the industry. CMO is outperformed by 80.21% of its industry peers.
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

With a decent Profit Margin value of 23.74%, CMO is doing good in the industry, outperforming 63.54% 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) 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.
The number of shares outstanding for CMO has been increased compared to 5 years ago.
Compared to 1 year ago, CMO has a worse debt to assets ratio.
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.
CMO has a Debt to Equity ratio of 0.01. This is amongst the best in the industry. CMO outperforms 96.88% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.01
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC7.12%
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.
CMO shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 3.80% yearly.
CMO shows a small growth in Revenue. In the last year, the Revenue has grown by 6.13%.
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

Based on the Price/Earnings ratio of 5.79, the valuation of CMO can be described as very cheap.
Based on the Price/Earnings ratio, CMO is valued cheaper than 89.58% of the companies in the same industry.
CMO is valuated cheaply when we compare the Price/Earnings ratio to 24.21, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 5.79
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)1.52
EPS Next 2YN/A
EPS Next 3YN/A

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6

5. Dividend

5.1 Amount

CMO has a Yearly Dividend Yield of 4.07%, which is a nice return.
Compared to an average industry Dividend Yield of 5.15, CMO is paying slightly less dividend.
CMO's Dividend Yield is rather good when compared to the S&P500 average which is at 2.41.
Industry RankSector Rank
Dividend Yield 4.07%

5.2 History

The dividend of CMO has a limited annual growth rate of 4.59%.
Dividend Growth(5Y)4.59%
Div Incr Years4
Div Non Decr Years4
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 (5/9/2025, 7:00:00 PM)

76

+1 (+1.33%)

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 Cap119.32M
AnalystsN/A
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 4.07%
Yearly Dividend1.35
Dividend Growth(5Y)4.59%
DP10.28%
Div Incr Years4
Div Non Decr Years4
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 5.79
Fwd PE N/A
P/S 0.41
P/FCF N/A
P/OCF N/A
P/B 0.06
P/tB 0.06
EV/EBITDA N/A
EPS(TTM)13.13
EY17.28%
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)1.52
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
WACC7.12%
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