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

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

77.5  -0.5 (-0.64%)

Fundamental Rating

2

Taking everything into account, CMO scores 2 out of 10 in our fundamental rating. CMO was compared to 93 industry peers in the Banks industry. Both the profitability and financial health of CMO have multiple concerns. 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.
In the past year CMO has reported a negative cash flow from operations.
Each year in the past 5 years CMO has been profitable.
In multiple years CMO reported negative operating cash flow during the last 5 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 0 200M -200M 400M -400M 600M

1.2 Ratios

CMO's Return On Assets of 0.40% is on the low side compared to the rest of the industry. CMO is outperformed by 74.19% of its industry peers.
CMO's Return On Equity of 2.69% is on the low side compared to the rest of the industry. CMO is outperformed by 83.87% of its industry peers.
Industry RankSector Rank
ROA 0.4%
ROE 2.69%
ROIC N/A
ROA(3y)0.51%
ROA(5y)0.5%
ROE(3y)3.57%
ROE(5y)3.47%
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 1 2 3 4 5

1.3 Margins

CMO has a Profit Margin (19.13%) which is in line with its industry peers.
In the last couple of years the Profit Margin of CMO has declined.
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) 19.13%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-5.81%
PM growth 5Y-6.34%
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 5 10 15 20 25

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2

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.
CMO has more shares outstanding than it did 5 years ago.
The debt/assets ratio for CMO has been reduced 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 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 2B 4B 6B 8B 10B

2.2 Solvency

CMO has a Debt/Equity ratio of 0.03. This is a healthy value indicating a solid balance between debt and equity.
Looking at the Debt to Equity ratio, with a value of 0.03, CMO belongs to the top of the industry, outperforming 93.55% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.03
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC6.78%
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 0 500M 1B 1.5B

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 50M 100M 150M 200M 250M

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1

3. Growth

3.1 Past

The earnings per share for CMO have decreased strongly by -21.94% in the last year.
Measured over the past years, CMO shows a decrease in Earnings Per Share. The EPS has been decreasing by -5.20% on average per year.
The Revenue has been growing slightly by 2.58% in the past year.
The Revenue has been growing slightly by 1.39% on average over the past years.
EPS 1Y (TTM)-21.94%
EPS 3Y-0.57%
EPS 5Y-5.2%
EPS Q2Q%7.44%
Revenue 1Y (TTM)2.58%
Revenue growth 3Y5.86%
Revenue growth 5Y1.39%
Sales Q2Q%9.67%

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 50M 100M 150M 200M 250M
CMO.PA Yearly EPS VS EstimatesCMO.PA Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023

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2

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 7.37, the valuation of CMO can be described as very cheap.
Based on the Price/Earnings ratio, CMO is valued a bit cheaper than 76.34% of the companies in the same industry.
CMO's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 29.35.
Industry RankSector Rank
PE 7.37
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)N/A
EPS Next 2YN/A
EPS Next 3YN/A

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4

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 3.68%, CMO has a reasonable but not impressive dividend return.
CMO's Dividend Yield is slightly below the industry average, which is at 5.02.
Compared to an average S&P500 Dividend Yield of 2.33, CMO pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.68%

5.2 History

The dividend of CMO is nicely growing with an annual growth rate of 7.15%!
Dividend Growth(5Y)7.15%
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

DPN/A
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 0 200M -200M 400M -400M 600M

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CREDIT AGRICOLE DU MORBIHAN

EPA:CMO (3/7/2025, 7:00:00 PM)

77.5

-0.5 (-0.64%)

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 Cap121.67M
AnalystsN/A
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 3.68%
Yearly Dividend1.38
Dividend Growth(5Y)7.15%
DPN/A
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 7.37
Fwd PE N/A
P/S 0.42
P/FCF N/A
P/OCF N/A
P/B 0.06
P/tB 0.06
EV/EBITDA N/A
EPS(TTM)10.51
EY13.56%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)-51.4
FCFYN/A
OCF(TTM)-49.59
OCFYN/A
SpS183.28
BVpS1303.45
TBVpS1303.43
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.4%
ROE 2.69%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 19.13%
GM N/A
FCFM N/A
ROA(3y)0.51%
ROA(5y)0.5%
ROE(3y)3.57%
ROE(5y)3.47%
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-5.81%
PM growth 5Y-6.34%
GM growth 3YN/A
GM growth 5YN/A
F-Score3
Asset Turnover0.02
Health
Industry RankSector Rank
Debt/Equity 0.03
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 50.18%
Cap/Sales 0.99%
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-Score3
WACC6.78%
ROIC/WACCN/A
Cap/Depr(3y)66.3%
Cap/Depr(5y)84.33%
Cap/Sales(3y)1.38%
Cap/Sales(5y)1.72%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-21.94%
EPS 3Y-0.57%
EPS 5Y-5.2%
EPS Q2Q%7.44%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)2.58%
Revenue growth 3Y5.86%
Revenue growth 5Y1.39%
Sales Q2Q%9.67%
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 1Y-177.96%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-172.98%
OCF growth 3YN/A
OCF growth 5YN/A