Caisse Régionale de Crédit Agricole du Morbihan
Caisse Régionale de Crédit Agricole du Morbihan Fundamental Analysis
Caisse Régionale de Crédit Agricole du Morbihan (CMO.PA) shows moderate financial fundamentals with a PE ratio of 7.90, profit margin of 11.58%, and ROE of 2.99%. The company generates $0.2B in annual revenue with strong year-over-year growth of 12.99%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 56.4/100 based on profitability, valuation, growth, and balance sheet metrics. The C grade reflects average fundamentals, with notable risks in certain areas.
Fundamental Health Score
We analyze CMO.PA's fundamental strength across five key dimensions:
Efficiency Score
WeakCMO.PA struggles to generate sufficient returns from assets.
Valuation Score
ExcellentCMO.PA trades at attractive valuation levels.
Growth Score
ExcellentCMO.PA delivers strong and consistent growth momentum.
Financial Health Score
ModerateCMO.PA shows balanced financial health with some risks.
Profitability Score
ModerateCMO.PA maintains healthy but balanced margins.
Key Financial Metrics
Is CMO.PA Expensive or Cheap?
P/E Ratio
CMO.PA trades at 7.90 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, CMO.PA's PEG of -8.04 indicates potential undervaluation.
Price to Book
The market values Caisse Régionale de Crédit Agricole du Morbihan at 0.23 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 2.24 times EBITDA. This is generally considered low.
How Well Does CMO.PA Make Money?
Net Profit Margin
For every $100 in sales, Caisse Régionale de Crédit Agricole du Morbihan keeps $11.58 as profit after all expenses.
Operating Margin
Core operations generate 13.25 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $2.99 in profit for every $100 of shareholder equity.
ROA
Caisse Régionale de Crédit Agricole du Morbihan generates $0.49 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Caisse Régionale de Crédit Agricole du Morbihan generates limited operating cash flow of $17.48M, signaling weaker underlying cash strength.
Free Cash Flow
Caisse Régionale de Crédit Agricole du Morbihan produces free cash flow of $12.19M, offering steady but limited capital for shareholder returns and expansion.
FCF Per Share
Each share generates $7.85 in free cash annually.
FCF Yield
CMO.PA converts 25.60% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
7.90
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
-8.04
vs 25 benchmark
P/B Ratio
Price to book value ratio
0.23
vs 25 benchmark
P/S Ratio
Price to sales ratio
0.27
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.01
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.008
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.03
vs 25 benchmark
ROA
Return on assets percentage
0.005
vs 25 benchmark
ROCE
Return on capital employed
0.03
vs 25 benchmark
How CMO.PA Stacks Against Its Sector Peers
| Metric | CMO.PA Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 7.90 | 18.59 | Better (Cheaper) |
| ROE | 2.99% | 801.00% | Weak |
| Net Margin | 11.58% | -498.00% (disorted) | Strong |
| Debt/Equity | 0.01 | 0.98 | Strong (Low Leverage) |
| Current Ratio | 0.01 | 661.40 | Weak Liquidity |
| ROA | 0.49% | -21324.00% (disorted) | Weak |
CMO.PA outperforms its industry in 3 out of 6 key metrics, particularly excelling in Net Margin, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Caisse Régionale de Crédit Agricole du Morbihan's 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
8.38%
Industry Style: Value, Dividend, Cyclical
GrowingEPS CAGR
21.99%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
-139.64%
Industry Style: Value, Dividend, Cyclical
Declining