PATRIMOINE ET COMMERCE-REGR(EPA:PAT) stock Fundamental Analysis

Fundamental Rating

We assign a fundamental rating of 5 out of 10 to PAT. PAT was compared to 42 industry peers in the Diversified REITs industry. PAT scores excellent on profitability, but there are concerns on its financial health. A decent growth rate in combination with a cheap valuation! Better keep an eye on PAT. Finally PAT also has an excellent dividend rating.

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1. Profitability

1.1 Basic Checks

In the past year PAT was profitable.

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

PAT had positive earnings in each of the past 5 years.

Each year in the past 5 years PAT had a positive operating cash flow.

1.2 Ratios

Looking at the Return On Assets, with a value of 4.27%, PAT is in the better half of the industry, outperforming 73.81% of the companies in the same industry.

PAT has a Return On Equity of 8.56%. This is in the better half of the industry: PAT outperforms 73.81% of its industry peers.

The Return On Invested Capital of PAT (3.76%) is better than 64.29% 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 3.74%.

The 3 year average ROIC (3.57%) for PAT is below the current ROIC(3.76%), indicating increased profibility in the last year.

		Industry Rank	Sector Rank
ROA	4.27%
ROE	8.56%
ROIC	3.76%

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 72.32%. This is in the better half of the industry: PAT outperforms 78.57% of its industry peers.

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

The Operating Margin of PAT (76.86%) is better than 66.67% of its industry peers.

PAT's Operating Margin has declined in the last couple of years.

The Gross Margin of PAT (89.83%) is better than 80.95% of its industry peers.

PAT's Gross Margin has been stable in the last couple of years.

		Industry Rank	Sector Rank
OM	76.86%
PM (TTM)	72.32%
GM	89.83%

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.

PAT has more shares outstanding than it did 1 year ago.

Compared to 5 years ago, PAT has more shares outstanding

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

2.2 Solvency

Based on the Altman-Z score of 1.00, we must say that PAT is in the distress zone and has some risk of bankruptcy.

PAT's Altman-Z score of 1.00 is in line compared to the rest of the industry. PAT outperforms 59.52% of its industry peers.

The Debt to FCF ratio of PAT is 14.65, which is on the high side as it means it would take PAT, 14.65 years of fcf income to pay off all of its debts.

PAT's Debt to FCF ratio of 14.65 is in line compared to the rest of the industry. PAT outperforms 47.62% of its industry peers.

A Debt/Equity ratio of 0.73 indicates that PAT is somewhat dependend on debt financing.

PAT has a Debt to Equity ratio (0.73) which is in line with its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.73
Debt/FCF	14.65
Altman-Z	1

ROIC/WACC0.77

WACC4.91%

2.3 Liquidity

A Current Ratio of 0.41 indicates that PAT may have some problems paying its short term obligations.

With a Current ratio value of 0.41, PAT perfoms like the industry average, outperforming 50.00% of the companies in the same industry.

PAT has a Quick Ratio of 0.41. This is a bad value and indicates that PAT is not financially healthy enough and could expect problems in meeting its short term obligations.

With a Quick ratio value of 0.41, PAT perfoms like the industry average, outperforming 50.00% of the companies in the same industry.

		Industry Rank	Sector Rank
Current Ratio	0.41
Quick Ratio	0.41

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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

PAT shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 38.17%, which is quite impressive.

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

Looking at the last year, PAT shows a quite strong growth in Revenue. The Revenue has grown by 12.11% in the last year.

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

EPS 1Y (TTM)38.17%

EPS 3Y7.68%

EPS 5Y7.44%

EPS Q2Q%55.3%

Revenue 1Y (TTM)12.11%

Revenue growth 3Y8.83%

Revenue growth 5Y4.13%

Sales Q2Q%17.84%

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

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

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.

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4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 8.89 indicates a reasonable valuation of PAT.

Based on the Price/Earnings ratio, PAT is valued a bit cheaper than 73.81% of the companies in the same industry.

The average S&P500 Price/Earnings ratio is at 28.87. PAT is valued rather cheaply when compared to this.

A Price/Forward Earnings ratio of 8.84 indicates a reasonable valuation of PAT.

Based on the Price/Forward Earnings ratio, PAT is valued cheaper than 83.33% of the companies in the same industry.

Compared to an average S&P500 Price/Forward Earnings ratio of 21.38, PAT is valued rather cheaply.

		Industry Rank	Sector Rank
PE	8.89
Fwd PE	8.84

4.2 Price Multiples

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

Compared to the rest of the industry, the Price/Free Cash Flow ratio of PAT is on the same level as its industry peers.

		Industry Rank	Sector Rank
P/FCF	12.89
EV/EBITDA	17.67

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)0.35

PEG (5Y)1.2

EPS Next 2Y20.12%

EPS Next 3Y25.59%

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5. Dividend

5.1 Amount

PAT has a Yearly Dividend Yield of 5.74%, which is a nice return.

Compared to an average industry Dividend Yield of 7.70, PAT has a dividend in line with its industry peers.

Compared to an average S&P500 Dividend Yield of 2.46, PAT pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	5.74%

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 Years3

5.3 Sustainability

50.51% of the earnings are spent on dividend by PAT. 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.

DP50.51%

EPS Next 2Y20.12%

EPS Next 3Y25.59%

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PATRIMOINE ET COMMERCE-REGR

EPA:PAT (4/28/2025, 7:00:00 PM)

23.48

+0.03 (+0.13%)

Chartmill FA Rating

GICS SectorReal Estate

GICS IndustryGroupEquity Real Estate Investment Trusts (REITs)

GICS IndustryDiversified REITs

Earnings (Last)02-19 2025-02-19/amc

Earnings (Next)N/A N/A

Inst Owners32.52%

Inst Owner ChangeN/A

Ins Owners6.31%

Ins Owner ChangeN/A

Market Cap374.98M

Analysts84

Price Target25.5 (8.6%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	5.74%

Yearly Dividend1.34

Dividend Growth(5Y)1.91%

DP50.51%

Div Incr Years3

Div Non Decr Years3

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)19.05%

PT rev (3m)19.05%

EPS NQ rev (1m)N/A

EPS NQ rev (3m)N/A

EPS NY rev (1m)0%

EPS NY rev (3m)22.33%

Revenue NQ rev (1m)N/A

Revenue NQ rev (3m)N/A

Revenue NY rev (1m)0%

Revenue NY rev (3m)9.26%

Valuation

		Industry Rank	Sector Rank
PE	8.89
Fwd PE	8.84
P/S	6.62
P/FCF	12.89
P/OCF	8.52
P/B	0.78
P/tB	0.78
EV/EBITDA	17.67

EPS(TTM)2.64

EY11.24%

EPS(NY)2.66

Fwd EY11.31%

FCF(TTM)1.82

FCFY7.76%

OCF(TTM)2.76

OCFY11.73%

SpS3.55

BVpS29.96

TBVpS29.96

PEG (NY)0.35

PEG (5Y)1.2

Profitability

		Industry Rank	Sector Rank
ROA	4.27%
ROE	8.56%
ROCE	5.18%
ROIC	3.76%
ROICexc	3.85%
ROICexgc	3.85%
OM	76.86%
PM (TTM)	72.32%
GM	89.83%
FCFM	51.36%

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	0.73
Debt/FCF	14.65
Debt/EBITDA	8.04
Cap/Depr	7530.3%
Cap/Sales	26.32%
Interest Coverage	3.64
Cash Conversion	100.62%
Profit Quality	71.02%
Current Ratio	0.41
Quick Ratio	0.41
Altman-Z	1

F-Score6

WACC4.91%

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)38.17%

EPS 3Y7.68%

EPS 5Y7.44%

EPS Q2Q%55.3%

EPS Next Y25.24%

EPS Next 2Y20.12%

EPS Next 3Y25.59%

EPS Next 5YN/A

Revenue 1Y (TTM)12.11%

Revenue growth 3Y8.83%

Revenue growth 5Y4.13%

Sales Q2Q%17.84%

Revenue Next Year11.32%

Revenue Next 2Y9.03%

Revenue Next 3Y7.59%

Revenue Next 5YN/A

EBIT growth 1Y6.64%

EBIT growth 3Y6.63%

EBIT growth 5Y1.19%

EBIT Next Year139.13%

EBIT Next 3Y37.66%

EBIT Next 5YN/A

FCF growth 1Y33.03%

FCF growth 3Y13.18%

FCF growth 5YN/A

OCF growth 1Y7.12%

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