CREDIT AGRICOLE DU MORBIHAN (CMO.PA) Stock Fundamental Analysis
Europe - Euronext Paris - EPA:CMO - FR0000045551 - Common Stock
102 EUR
+1.98 (+1.98%)
CMO gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 114 industry peers in the Banks industry. CMO has a bad profitability rating. Also its financial health evaluation is rather negative. CMO has a expensive valuation and it also scores bad on growth.
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.
The reported operating cash flow has been mixed in the past 5 years: CMO reported negative operating cash flow in multiple years.
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 68.42% of its industry peers.
CMO's Return On Equity of 3.09% is on the low side compared to the rest of the industry. CMO is outperformed by 80.70% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.5% | ||
| ROE | 3.09% | ||
| ROIC | N/A |
ROA(3y)0.49%
ROA(5y)0.49%
ROE(3y)3.44%
ROE(5y)3.42%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
CMO has a Profit Margin (24.87%) which is in line with 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 Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 24.87% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-2.95%
PM growth 5Y1.78%
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.
CMO has about the same amout of shares outstanding than it did 1 year ago.
Compared to 5 years ago, CMO has more shares outstanding
CMO has a worse debt/assets ratio than last year.
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.
Looking at the Debt to Equity ratio, with a value of 0.01, CMO belongs to the top of the industry, outperforming 98.25% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.01 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC7.33%
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 26.08% 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 3.85% 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)26.08%
EPS 3Y-0.28%
EPS 5Y3.85%
EPS Q2Q%2.03%
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
A Price/Earnings ratio of 7.76 indicates a rather cheap valuation of CMO.
Compared to the rest of the industry, the Price/Earnings ratio of CMO indicates a rather cheap valuation: CMO is cheaper than 87.72% of the companies listed in the same industry.
When comparing the Price/Earnings ratio of CMO to the average of the S&P500 Index (26.57), we can say CMO is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.76 | ||
| 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)2.02
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
CMO has a Yearly Dividend Yield of 2.99%.
CMO's Dividend Yield is slightly below the industry average, which is at 4.17.
Compared to an average S&P500 Dividend Yield of 2.00, CMO pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.99% |
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 (12/24/2025, 7:00:00 PM)
102
+1.98 (+1.98%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners4.18%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap159.12M
Revenue(TTM)277.48M
Net Income(TTM)69.00M
AnalystsN/A
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.99% |
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 | 7.76 | ||
| 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)13.15
EY12.89%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)-88.37
FCFYN/A
OCF(TTM)-76.92
OCFYN/A
SpS177.87
BVpS1430.13
TBVpS1430.1
PEG (NY)N/A
PEG (5Y)2.02
Graham Number650.49
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.5% | ||
| ROE | 3.09% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 24.87% | ||
| GM | N/A | ||
| FCFM | N/A |
ROA(3y)0.49%
ROA(5y)0.49%
ROE(3y)3.44%
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-2.95%
PM growth 5Y1.78%
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 | 314.82% | ||
| Cap/Sales | 6.43% | ||
| 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
WACC7.33%
ROIC/WACCN/A
Cap/Depr(3y)57.62%
Cap/Depr(5y)70.43%
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)26.08%
EPS 3Y-0.28%
EPS 5Y3.85%
EPS Q2Q%2.03%
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 1Y79.08%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y81.7%
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 7.76 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.