PAT Fundamental Analysis - PATRIMOINE ET COMMERCE-REGR

Fundamental Rating

We assign a fundamental rating of 6 out of 10 to PAT. PAT was compared to 41 industry peers in the Diversified REITs industry. PAT scores excellent on profitability, but there are concerns on its financial health. PAT is valued quite cheap, while showing a decent growth score. This is a good combination! Finally PAT also has an excellent dividend rating.

Quickly go to:

1. Profitability

1.1 Basic Checks

PAT had positive earnings in the past year.

PAT had a positive operating cash flow in the past year.

In the past 5 years PAT has always been profitable.

In the past 5 years PAT always reported a positive cash flow from operatings.

1.2 Ratios

PAT has a better Return On Assets (3.94%) than 73.17% of its industry peers.

PAT has a better Return On Equity (8.16%) than 75.61% of its industry peers.

Looking at the Return On Invested Capital, with a value of 3.89%, PAT is in the better half of the industry, outperforming 65.85% of the companies in the same industry.

The Average Return On Invested Capital over the past 3 years for PAT is in line with the industry average of 3.48%.

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

PAT has a Profit Margin of 64.55%. This is in the better half of the industry: PAT outperforms 73.17% of its industry peers.

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

PAT has a Operating Margin of 75.91%. This is in the better half of the industry: PAT outperforms 63.41% of its industry peers.

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

PAT has a better Gross Margin (89.19%) than 78.05% of its industry peers.

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%

More info and screens

ROA

ROE

ROIC

Operating and Profit Margin

Show most profitable peers

2. Health

2.1 Basic Checks

PAT has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.

Compared to 1 year ago, PAT has more shares outstanding

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

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

2.2 Solvency

Based on the Altman-Z score of 0.99, we must say that PAT is in the distress zone and has some risk of bankruptcy.

With a decent Altman-Z score value of 0.99, PAT is doing good in the industry, outperforming 63.41% of the companies in the same industry.

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's Debt to FCF ratio of 13.62 is in line compared to the rest of the industry. PAT outperforms 48.78% of its industry peers.

A Debt/Equity ratio of 0.77 indicates that PAT is somewhat dependend on debt financing.

Looking at the Debt to Equity ratio, with a value of 0.77, PAT is in line with its industry, outperforming 41.46% of the companies in the same industry.

		Industry Rank	Sector Rank
Debt/Equity	0.77
Debt/FCF	13.62
Altman-Z	0.99

ROIC/WACC0.8

WACC4.84%

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.

Looking at the Current ratio, with a value of 0.48, PAT is in line with its industry, outperforming 51.22% of the companies in the same industry.

A Quick Ratio of 0.48 indicates that PAT may have some problems paying its short term obligations.

With a Quick ratio value of 0.48, PAT perfoms like the industry average, outperforming 53.66% of the companies in the same industry.

		Industry Rank	Sector Rank
Current Ratio	0.48
Quick Ratio	0.48

More info and screens

WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

Show peers with great health

3. Growth

3.1 Past

PAT shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 17.67%, which is quite good.

The Earnings Per Share has been growing slightly by 7.44% on average over the past years.

PAT shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 13.70%.

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

The Earnings Per Share is expected to grow by 25.59% on average over the next years. This is a very strong growth

The Revenue is expected to grow by 7.59% on average over the next years.

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

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

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.

More info and screens

Find the best growth stocks

Show best growing peers

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 9.88 indicates a reasonable valuation of PAT.

Compared to the rest of the industry, the Price/Earnings ratio of PAT indicates a rather cheap valuation: PAT is cheaper than 80.49% of the companies listed in the same industry.

Compared to an average S&P500 Price/Earnings ratio of 26.84, PAT is valued rather cheaply.

PAT is valuated cheaply with a Price/Forward Earnings ratio of 7.81.

Based on the Price/Forward Earnings ratio, PAT is valued cheaper than 92.68% of the companies in the same industry.

The average S&P500 Price/Forward Earnings ratio is at 22.48. PAT is valued rather cheaply when compared to this.

		Industry Rank	Sector Rank
PE	9.88
Fwd PE	7.81

4.2 Price Multiples

Based on the Enterprise Value to EBITDA ratio, PAT is valued a bit cheaper than the industry average as 60.98% of the companies are valued more expensively.

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

		Industry Rank	Sector Rank
P/FCF	12.36
EV/EBITDA	16.97

4.3 Compensation for Growth

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

PAT has a very decent profitability rating, which may justify a higher PE ratio.

A more expensive valuation may be justified as PAT's earnings are expected to grow with 25.59% in the coming years.

PEG (NY)0.39

PEG (5Y)1.33

EPS Next 2Y20.12%

EPS Next 3Y25.59%

More info and screens

Show best valued peers

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 5.51%, PAT is a good candidate for dividend investing.

PAT's Dividend Yield is comparable with the industry average which is at 5.44.

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	5.51%

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

54.18% of the earnings are spent on dividend by PAT. This is a bit on the high side, but may be sustainable.

PAT's earnings are growing more than its dividend. This makes the dividend growth sustainable.

DP54.18%

EPS Next 2Y20.12%

EPS Next 3Y25.59%

More info and screens

Find the best dividend stocks

Show peers with best dividend

PATRIMOINE ET COMMERCE-REGR

EPA:PAT (9/3/2025, 7:00:00 PM)

23.9

-0.1 (-0.42%)

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 Owners29.07%

Inst Owner ChangeN/A

Ins Owners6.31%

Ins Owner ChangeN/A

Market Cap381.68M

Analysts84

Price Target25.5 (6.69%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	5.51%

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	9.88
Fwd PE	7.81
P/S	6.45
P/FCF	12.36
P/OCF	8.72
P/B	0.82
P/tB	0.82
EV/EBITDA	16.97

EPS(TTM)2.42

EY10.13%

EPS(NY)3.06

Fwd EY12.8%

FCF(TTM)1.93

FCFY8.09%

OCF(TTM)2.74

OCFY11.47%

SpS3.7

BVpS29.32

TBVpS29.32

PEG (NY)0.39

PEG (5Y)1.33

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%

ROICexcg growth 3Y0.81%

ROICexcg 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	0.99

F-Score6

WACC4.84%

ROIC/WACC0.8

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