Crédit du Maroc S.A. (CBSE:CDM)

Crédit du Maroc Statistics

Total Valuation

Crédit du Maroc has a market cap or net worth of MAD 11.96 billion.

Market Cap	11.96B
Enterprise Value	n/a

Important Dates

The next estimated earnings date is Tuesday, March 17, 2026.

Earnings Date	Mar 17, 2026
Ex-Dividend Date	Jul 1, 2025

Share Statistics

Crédit du Maroc has 10.88 million shares outstanding. The number of shares has decreased by -0.00% in one year.

Current Share Class	10.88M
Shares Outstanding	10.88M
Shares Change (YoY)	-0.00%
Shares Change (QoQ)	+0.03%
Owned by Insiders (%)	n/a
Owned by Institutions (%)	0.00%
Float	n/a

Valuation Ratios

The trailing PE ratio is 13.85 and the forward PE ratio is 12.63.

PE Ratio	13.85
Forward PE	12.63
PS Ratio	3.74
PB Ratio	1.46
P/TBV Ratio	1.67
P/FCF Ratio	35.93
P/OCF Ratio	16.37
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	n/a
EV / Sales	n/a
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	n/a

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	33.14
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 10.74%.

Return on Equity (ROE)	10.74%
Return on Assets (ROA)	1.09%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Weighted Average Cost of Capital (WACC)	1.79%
Revenue Per Employee	1.33M
Profits Per Employee	358,916
Employee Count	2,406
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, Crédit du Maroc has paid 680.27 million in taxes.

Income Tax	680.27M
Effective Tax Rate	44.06%

Stock Price Statistics

The stock price has decreased by -4.87% in the last 52 weeks. The beta is -0.15, so Crédit du Maroc's price volatility has been lower than the market average.

Beta (5Y)	-0.15
52-Week Price Change	-4.87%
50-Day Moving Average	1,079.58
200-Day Moving Average	1,055.84
Relative Strength Index (RSI)	52.24
Average Volume (20 Days)	5,225

Short Selling Information

Short Interest	n/a
Short Previous Month	n/a
Short % of Shares Out	n/a
Short % of Float	n/a
Short Ratio (days to cover)	n/a

Income Statement

In the last 12 months, Crédit du Maroc had revenue of MAD 3.20 billion and earned 863.55 million in profits. Earnings per share was 79.36.

Revenue	3.20B
Gross Profit	3.20B
Operating Income	1.54B
Pretax Income	1.54B
Net Income	863.55M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	79.36

Balance Sheet

The company has 11.46 billion in cash and 11.03 billion in debt, with a net cash position of 433.42 million or 39.83 per share.

Cash & Cash Equivalents	11.46B
Total Debt	11.03B
Net Cash	433.42M
Net Cash Per Share	39.83
Equity (Book Value)	8.20B
Book Value Per Share	753.87
Working Capital	-49.59B

Cash Flow

In the last 12 months, operating cash flow was 730.50 million and capital expenditures -397.68 million, giving a free cash flow of 332.82 million.

Operating Cash Flow	730.50M
Capital Expenditures	-397.68M
Free Cash Flow	332.82M
FCF Per Share	30.59

Margins

Gross Margin	n/a
Operating Margin	48.30%
Pretax Margin	48.30%
Profit Margin	27.02%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	10.41%

Dividends & Yields

This stock pays an annual dividend of 48.00, which amounts to a dividend yield of 4.36%.

Dividend Per Share	48.00
Dividend Yield	4.36%
Dividend Growth (YoY)	21.93%
Years of Dividend Growth	4
Payout Ratio	n/a
Buyback Yield	0.00%
Shareholder Yield	4.32%
Earnings Yield	7.22%
FCF Yield	2.78%

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

This stock does not have any record of stock splits.

Last Split Date	n/a
Split Type	n/a
Split Ratio	n/a

Scores

Altman Z-Score	n/a
Piotroski F-Score	3