PAT Fundamental Analysis - PATRIMOINE ET COMMERCE-REGR

Fundamental Rating

Taking everything into account, PAT scores 5 out of 10 in our fundamental rating. PAT was compared to 40 industry peers in the Diversified REITs industry. While PAT has a great profitability rating, there are quite some concerns on its financial health. PAT scores decently on growth, while it is valued quite cheap. This could make an interesting combination. PAT also has an excellent dividend rating.

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1. Profitability

1.1 Basic Checks

PAT had positive earnings in the past year.

In the past year PAT had a positive cash flow from operations.

In the past 5 years PAT has always been profitable.

PAT had a positive operating cash flow in each of the past 5 years.

1.2 Ratios

With a decent Return On Assets value of 3.94%, PAT is doing good in the industry, outperforming 75.00% of the companies in the same industry.

Looking at the Return On Equity, with a value of 8.16%, PAT is in the better half of the industry, outperforming 77.50% of the companies in the same industry.

PAT has a Return On Invested Capital of 3.89%. This is in the better half of the industry: PAT outperforms 67.50% of its industry peers.

The Average Return On Invested Capital over the past 3 years for PAT is in line with the industry average of 3.49%.

The 3 year average ROIC (3.57%) for PAT is below the current ROIC(3.89%), indicating increased profibility in the last year.

		Industry Rank	Sector Rank
ROA	3.94%
ROE	8.16%
ROIC	3.89%

ROA(3y)4.22%

ROA(5y)3.64%

ROE(3y)8.75%

ROE(5y)7.76%

ROIC(3y)3.57%

ROIC(5y)3.5%

1.3 Margins

Looking at the Profit Margin, with a value of 64.55%, PAT is in the better half of the industry, outperforming 75.00% of the companies in the same industry.

PAT's Profit Margin has improved in the last couple of years.

PAT has a better Operating Margin (75.91%) than 65.00% of its industry peers.

In the last couple of years the Operating Margin of PAT has declined.

With a decent Gross Margin value of 89.19%, PAT is doing good in the industry, outperforming 80.00% of the companies in the same industry.

In the last couple of years the Gross Margin of PAT has remained more or less at the same level.

		Industry Rank	Sector Rank
OM	75.91%
PM (TTM)	64.55%
GM	89.19%

OM growth 3Y-2.02%

OM growth 5Y-2.83%

PM growth 3Y0.28%

PM growth 5Y5.42%

GM growth 3Y-1.1%

GM growth 5Y-0.61%

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), PAT is destroying value.

The number of shares outstanding for PAT has been increased compared to 1 year ago.

PAT has more shares outstanding than it did 5 years ago.

PAT has a better debt/assets ratio than last year.

2.2 Solvency

PAT has an Altman-Z score of 1.00. This is a bad value and indicates that PAT is not financially healthy and even has some risk of bankruptcy.

The Altman-Z score of PAT (1.00) is better than 65.00% of its industry peers.

The Debt to FCF ratio of PAT is 13.62, which is on the high side as it means it would take PAT, 13.62 years of fcf income to pay off all of its debts.

PAT has a Debt to FCF ratio (13.62) which is comparable to the rest of the industry.

PAT has a Debt/Equity ratio of 0.77. This is a neutral value indicating PAT is somewhat dependend on debt financing.

The Debt to Equity ratio of PAT (0.77) is worse than 62.50% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.77
Debt/FCF	13.62
Altman-Z	1

ROIC/WACC0.77

WACC5.03%

2.3 Liquidity

PAT has a Current Ratio of 0.48. This is a bad value and indicates that PAT is not financially healthy enough and could expect problems in meeting its short term obligations.

PAT has a Current ratio (0.48) which is comparable to the rest of the industry.

PAT has a Quick Ratio of 0.48. This is a bad value and indicates that PAT is not financially healthy enough and could expect problems in meeting its short term obligations.

PAT has a Quick ratio (0.48) which is in line with its industry peers.

		Industry Rank	Sector Rank
Current Ratio	0.48
Quick Ratio	0.48

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The Earnings Per Share has grown by an nice 17.67% over the past year.

PAT shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 7.44% yearly.

The Revenue has grown by 13.70% in the past year. This is quite good.

PAT shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 4.13% yearly.

EPS 1Y (TTM)17.67%

EPS 3Y7.68%

EPS 5Y7.44%

EPS Q2Q%-22.92%

Revenue 1Y (TTM)13.7%

Revenue growth 3Y8.83%

Revenue growth 5Y4.13%

Sales Q2Q%9.61%

3.2 Future

Based on estimates for the next years, PAT will show a very strong growth in Earnings Per Share. The EPS will grow by 25.59% on average per year.

PAT is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 7.59% yearly.

EPS Next Y25.24%

EPS Next 2Y20.12%

EPS Next 3Y25.59%

EPS Next 5YN/A

Revenue Next Year11.32%

Revenue Next 2Y9.03%

Revenue Next 3Y7.59%

Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.

When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 10.25, which indicates a very decent valuation of PAT.

Based on the Price/Earnings ratio, PAT is valued a bit cheaper than the industry average as 80.00% of the companies are valued more expensively.

The average S&P500 Price/Earnings ratio is at 27.57. PAT is valued rather cheaply when compared to this.

The Price/Forward Earnings ratio is 8.10, which indicates a very decent valuation of PAT.

92.50% of the companies in the same industry are more expensive than PAT, based on the Price/Forward Earnings ratio.

PAT's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.09.

		Industry Rank	Sector Rank
PE	10.25
Fwd PE	8.1

4.2 Price Multiples

PAT's Enterprise Value to EBITDA ratio is in line with the industry average.

The rest of the industry has a similar Price/Free Cash Flow ratio as PAT.

		Industry Rank	Sector Rank
P/FCF	12.83
EV/EBITDA	17.29

4.3 Compensation for Growth

The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.

The decent profitability rating of PAT may justify a higher PE ratio.

PAT's earnings are expected to grow with 25.59% in the coming years. This may justify a more expensive valuation.

PEG (NY)0.41

PEG (5Y)1.38

EPS Next 2Y20.12%

EPS Next 3Y25.59%

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 5.42%, PAT is a good candidate for dividend investing.

Compared to an average industry Dividend Yield of 5.84, PAT has a dividend in line with its industry peers.

PAT's Dividend Yield is rather good when compared to the S&P500 average which is at 2.32.

		Industry Rank	Sector Rank
Dividend Yield	5.42%

5.2 History

The dividend of PAT has a limited annual growth rate of 1.91%.

Dividend Growth(5Y)1.91%

Div Incr Years3

Div Non Decr Years4

5.3 Sustainability

PAT pays out 54.18% of its income as dividend. This is a bit on the high side, but may be sustainable.

The dividend of PAT is growing, but earnings are growing more, so the dividend growth is sustainable.

DP54.18%

EPS Next 2Y20.12%

EPS Next 3Y25.59%

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PATRIMOINE ET COMMERCE-REGR

EPA:PAT (10/22/2025, 7:00:00 PM)

24.8

0 (0%)

Chartmill FA Rating

GICS SectorReal Estate

GICS IndustryGroupEquity Real Estate Investment Trusts (REITs)

GICS IndustryDiversified REITs

Earnings (Last)07-23 2025-07-23

Earnings (Next)N/A N/A

Inst Owners34.51%

Inst Owner ChangeN/A

Ins Owners6.31%

Ins Owner ChangeN/A

Market Cap396.06M

Revenue(TTM)59.16M

Net Income(TTM)38.19M

Analysts84

Price Target25.5 (2.82%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	5.42%

Yearly Dividend1.34

Dividend Growth(5Y)1.91%

DP54.18%

Div Incr Years3

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)0%

PT rev (3m)0%

EPS NQ rev (1m)N/A

EPS NQ rev (3m)N/A

EPS NY rev (1m)0%

EPS NY rev (3m)0%

Revenue NQ rev (1m)N/A

Revenue NQ rev (3m)N/A

Revenue NY rev (1m)0%

Revenue NY rev (3m)0%

Valuation

		Industry Rank	Sector Rank
PE	10.25
Fwd PE	8.1
P/S	6.69
P/FCF	12.83
P/OCF	9.05
P/B	0.85
P/tB	0.85
EV/EBITDA	17.29

EPS(TTM)2.42

EY9.76%

EPS(NY)3.06

Fwd EY12.34%

FCF(TTM)1.93

FCFY7.8%

OCF(TTM)2.74

OCFY11.05%

SpS3.7

BVpS29.32

TBVpS29.32

PEG (NY)0.41

PEG (5Y)1.38

Graham Number39.96

Profitability

		Industry Rank	Sector Rank
ROA	3.94%
ROE	8.16%
ROCE	5.36%
ROIC	3.89%
ROICexc	4.02%
ROICexgc	4.02%
OM	75.91%
PM (TTM)	64.55%
GM	89.19%
FCFM	52.19%

ROA(3y)4.22%

ROA(5y)3.64%

ROE(3y)8.75%

ROE(5y)7.76%

ROIC(3y)3.57%

ROIC(5y)3.5%

ROICexc(3y)3.8%

ROICexc(5y)3.87%

ROICexgc(3y)3.8%

ROICexgc(5y)3.87%

ROCE(3y)4.91%

ROCE(5y)4.8%

ROICexgc growth 3Y0.81%

ROICexgc growth 5Y-1.2%

ROICexc growth 3Y0.81%

ROICexc growth 5Y-1.2%

OM growth 3Y-2.02%

OM growth 5Y-2.83%

PM growth 3Y0.28%

PM growth 5Y5.42%

GM growth 3Y-1.1%

GM growth 5Y-0.61%

F-Score6

Asset Turnover0.06

Health

		Industry Rank	Sector Rank
Debt/Equity	0.77
Debt/FCF	13.62
Debt/EBITDA	7.98
Cap/Depr	6167.46%
Cap/Sales	21.79%
Interest Coverage	3.41
Cash Conversion	97%
Profit Quality	80.85%
Current Ratio	0.48
Quick Ratio	0.48
Altman-Z	1

F-Score6

WACC5.03%

ROIC/WACC0.77

Cap/Depr(3y)14486%

Cap/Depr(5y)46663.9%

Cap/Sales(3y)64.67%

Cap/Sales(5y)49.18%

Profit Quality(3y)N/A

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)17.67%

EPS 3Y7.68%

EPS 5Y7.44%

EPS Q2Q%-22.92%

EPS Next Y25.24%

EPS Next 2Y20.12%

EPS Next 3Y25.59%

EPS Next 5YN/A

Revenue 1Y (TTM)13.7%

Revenue growth 3Y8.83%

Revenue growth 5Y4.13%

Sales Q2Q%9.61%

Revenue Next Year11.32%

Revenue Next 2Y9.03%

Revenue Next 3Y7.59%

Revenue Next 5YN/A

EBIT growth 1Y8.52%

EBIT growth 3Y6.63%

EBIT growth 5Y1.19%

EBIT Next Year139.13%

EBIT Next 3Y37.66%

EBIT Next 5YN/A

FCF growth 1Y45.85%

FCF growth 3Y13.18%

FCF growth 5YN/A

OCF growth 1Y8.88%

OCF growth 3Y6.84%

OCF growth 5Y-0.24%

PATRIMOINE ET COMMERCE-REGR (PAT.PA) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens