Financials Caisse Régionale de Crédit Agricole Mutuel du Morbihan

Equities

CMO

FR0000045551

Banks

Market Closed - Euronext Paris 16:29:54 02/05/2024 BST 5-day change 1st Jan Change
69.5 EUR +1.45% Intraday chart for Caisse Régionale de Crédit Agricole Mutuel du Morbihan +6.11% +9.45%

Valuation

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Capitalization 1 451.4 536 451.3 369.7 291 332.8
Enterprise Value (EV) 1 675.4 727.9 664.6 417.6 350.7 295.6
P/E ratio 6.74 x 9.47 x 8.64 x 5.37 x 3.53 x 6.43 x
Yield 2.54% 2.34% 3.14% 3.86% 5.3% 4.52%
Capitalization / Revenue 2.06 x 2.48 x 2.26 x 1.62 x 1.18 x 1.61 x
EV / Revenue 3.08 x 3.37 x 3.32 x 1.83 x 1.42 x 1.43 x
EV / EBITDA - - - - - -
EV / FCF - - - - - -
FCF Yield - - - - - -
Price to Book 0.3 x 0.33 x 0.27 x 0.2 x 0.16 x 0.17 x
Nbr of stocks (in thousands) 5,249 5,246 5,247 5,243 5,243 5,241
Reference price 2 85.99 102.2 86.00 70.50 55.50 63.50
Announcement Date 07/03/19 24/03/20 03/03/21 02/03/22 28/03/23 29/03/24
1EUR in Million2EUR
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Net sales 1 219.5 215.7 200 227.7 246.9 206.2
EBITDA - - - - - -
EBIT - - - - - -
Operating Margin - - - - - -
Earnings before Tax (EBT) 1 86.17 80 66.96 91.06 100 56.88
Net income 1 66.96 56.58 52.21 68.89 82.33 51.74
Net margin 30.51% 26.23% 26.11% 30.25% 33.34% 25.09%
EPS 2 12.76 10.78 9.955 13.14 15.70 9.880
Free Cash Flow - - - - - -
FCF margin - - - - - -
FCF Conversion (EBITDA) - - - - - -
FCF Conversion (Net income) - - - - - -
Dividend per Share 2 2.180 2.390 2.700 2.720 2.940 2.870
Announcement Date 07/03/19 24/03/20 03/03/21 02/03/22 28/03/23 29/03/24
1EUR in Million2EUR
Estimates

Balance Sheet Analysis

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Net Debt 1 224 192 213 47.9 59.6 -
Net Cash position 1 - - - - - 37.2
Leverage (Debt/EBITDA) - - - - - -
Free Cash Flow - - - - - -
ROE (net income / shareholders' equity) 4.53% 3.62% 3.19% 3.9% 4.4% 2.7%
ROA (Net income/ Total Assets) 0.67% 0.55% 0.47% 0.56% 0.62% 0.38%
Assets 1 9,947 10,312 11,180 12,242 13,324 13,659
Book Value Per Share 2 286.0 310.0 315.0 359.0 354.0 377.0
Cash Flow per Share 2 6.490 6.810 8.490 9.100 6.090 5.900
Capex - 5.32 5.65 4.79 2.85 3.77
Capex / Sales - 2.46% 2.82% 2.1% 1.16% 1.83%
Announcement Date 07/03/19 24/03/20 03/03/21 02/03/22 28/03/23 29/03/24
1EUR in Million2EUR
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Change in Enterprise Value/EBITDA

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