Stock CDM CRÉDIT DU MAROC S.A.
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Financials Crédit du Maroc S.A.

Equities

CDM

MA0000010381

Banks

End-of-day quote Casablanca S.E.
Other stock markets
 03:30:00 28/06/2024 am IST 		5-day change 1st Jan Change
950 MAD +1.85% Intraday chart for Crédit du Maroc S.A. +1.85% +19.20%
07/06 Groupe Holmarcom completed the acquisition of 78.7% of stake in Crédit du Maroc S.A. from Crédit Agricole S.A.. CI
13/05 Crédit du Maroc S.A. Reports Earnings Results for the First Quarter Ended March 31, 2024 CI

Valuation

Fiscal Period: December 2019 2020 2021 2022 2024 2025 2026
Capitalization 1 6,093 4,993 6,529 6,529 10,337 - -
Enterprise Value (EV) 1 6,093 4,993 6,529 6,529 10,337 10,337 10,337
P/E ratio - - 10.4 x 16.2 x 16.7 x 13.1 x -
Yield 3.34% 0.99% 4.32% 4.5% 4.42% 4.84% 5.47%
Capitalization / Revenue 2.54 x 2.1 x 2.65 x 2.54 x 3.19 x 2.97 x 2.75 x
EV / Revenue 2.54 x 2.1 x 2.65 x 2.54 x 3.19 x 2.97 x 2.75 x
EV / EBITDA - - - - - - -
EV / FCF - - - - - - -
FCF Yield - - - - - - -
Price to Book - - - - - - -
Nbr of stocks (in thousands) 10,881 10,881 10,881 10,881 10,881 - -
Reference price 2 560.0 458.9 600.0 600.0 950.0 950.0 950.0
Announcement Date 19/02/20 11/03/21 24/02/22 02/05/23 - - -
1MAD in Million2MAD
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2019 2020 2021 2022 2024 2025 2026
Net sales 1 2,403 2,381 2,460 2,569 3,237 3,475 3,758
EBITDA - - - - - - -
EBIT 1 843.6 339.6 1,061 - 1,253 1,439 -
Operating Margin 35.11% 14.26% 43.13% - 38.71% 41.41% -
Earnings before Tax (EBT) - - - - - - -
Net income 1 508.8 190.3 627 404.3 704 789 896
Net margin 21.18% 7.99% 25.49% 15.74% 21.75% 22.71% 23.84%
EPS 2 - - 57.66 37.15 56.95 72.60 -
Free Cash Flow - - - - - - -
FCF margin - - - - - - -
FCF Conversion (EBITDA) - - - - - - -
FCF Conversion (Net income) - - - - - - -
Dividend per Share 2 18.70 4.550 25.90 27.00 42.00 46.00 52.00
Announcement Date 19/02/20 11/03/21 24/02/22 02/05/23 - - -
1MAD in Million2MAD
Estimates

Balance Sheet Analysis

Fiscal Period: December 2019 2020 2021 2022 2024 2025 2026
Net Debt - - - - - - -
Net Cash position - - - - - - -
Leverage (Debt/EBITDA) - - - - - - -
Free Cash Flow - - - - - - -
ROE (net income / shareholders' equity) 9.56% 3.4% 10.5% 6.44% 9.78% 10.5% 11.3%
ROA (Net income/ Total Assets) - - - - - - -
Assets 1 - - - - - - -
Book Value Per Share - - - - - - -
Cash Flow per Share - - - - - - -
Capex - - - - - - -
Capex / Sales - - - - - - -
Announcement Date 19/02/20 11/03/21 24/02/22 02/05/23 - - -
1MAD in Million
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
OUTPERFORM
Number of Analysts
2
Last Close Price
950 MAD
Average target price
996 MAD
Spread / Average Target
+4.84%
Consensus

EPS Revisions

Estimates Revisions

Annual profits - Rate of surprise

Company calendar

Sector Commercial Banks

1st Jan change Capi.
CRÉDIT DU MAROC S.A. Stock Crédit du Maroc S.A.
+19.20% 103.67Cr
AGRICULTURAL BANK OF CHINA LIMITED Stock Agricultural Bank of China Limited
+14.95% 21TCr
PT BANK CENTRAL ASIA TBK Stock PT Bank Central Asia Tbk
+5.32% 7.45TCr
ANZ GROUP HOLDINGS LIMITED Stock ANZ Group Holdings Limited
+8.60% 5.65TCr
INDUSTRIAL BANK CO., LTD. Stock Industrial Bank Co., Ltd.
+10.55% 5.12TCr
CHINA CITIC BANK CO., LTD. Stock China CITIC Bank Co., Ltd.
+39.67% 4.69TCr
CRÉDIT AGRICOLE S.A. Stock Crédit Agricole S.A.
+1.89% 4.21TCr
QATAR NATIONAL BANK (Q.P.S.C.) Stock Qatar National Bank (Q.P.S.C.)
-10.59% 3.75TCr
JAPAN POST BANK CO., LTD. Stock JAPAN POST BANK Co., Ltd.
+9.54% 3.56TCr
INVEST BANK Stock Invest bank
-96.60% 3.22TCr
Commercial Banks
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