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
 06:00:00 2024-04-29 pm EDT 		5-day change 1st Jan Change
903 MAD -1.85% Intraday chart for Crédit du Maroc S.A. -1.53% +13.30%
Mar. 11 Crédit du Maroc S.A. Reports Earnings Results for the Full Year Ended December 31, 2023 CI
2023 Crédit du Maroc S.A. Reports Earnings Results for the Nine Months Ended September 30, 2023 CI

Valuation

Fiscal Period: December 2018 2019 2020 2021 2022 2023 2024 2025
Capitalization 1 6,507 6,093 4,993 6,529 6,529 9,826 9,826 -
Enterprise Value (EV) 1 6,507 6,093 4,993 6,529 6,529 9,826 9,826 9,826
P/E ratio 11 x - - 10.4 x 16.2 x 18.6 x 16.8 x 14.8 x
Yield 1.34% 3.34% 0.99% 4.32% 4.5% 2.55% 4.65% 4.98%
Capitalization / Revenue 2.83 x 2.54 x 2.1 x 2.65 x 2.54 x 3.37 x 3.16 x 3 x
EV / Revenue 2.83 x 2.54 x 2.1 x 2.65 x 2.54 x 3.37 x 3.16 x 3 x
EV / EBITDA - - - - - - - -
EV / FCF - - - - - - - -
FCF Yield - - - - - - - -
Price to Book 1.27 x - - - - - - -
Nbr of stocks (in thousands) 10,881 10,881 10,881 10,881 10,881 10,881 10,881 -
Reference price 2 598.0 560.0 458.9 600.0 600.0 903.0 903.0 903.0
Announcement Date 2/19/19 2/19/20 3/11/21 2/24/22 5/2/23 - - -
1MAD in Million2MAD
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2018 2019 2020 2021 2022 2023 2024 2025
Net sales 1 2,303 2,403 2,381 2,460 2,569 2,916 3,105 3,270
EBITDA - - - - - - - -
EBIT 1 1,054 843.6 339.6 1,061 - 1,075 1,136 1,211
Operating Margin 45.75% 35.11% 14.26% 43.13% - 36.87% 36.59% 37.03%
Earnings before Tax (EBT) - - - - - - - -
Net income 1 589.2 508.8 190.3 627 404.3 547 636 664
Net margin 25.58% 21.18% 7.99% 25.49% 15.74% 18.76% 20.48% 20.31%
EPS 2 54.15 - - 57.66 37.15 48.60 53.85 61.00
Free Cash Flow - - - - - - - -
FCF margin - - - - - - - -
FCF Conversion (EBITDA) - - - - - - - -
FCF Conversion (Net income) - - - - - - - -
Dividend per Share 2 8.000 18.70 4.550 25.90 27.00 23.00 42.00 45.00
Announcement Date 2/19/19 2/19/20 3/11/21 2/24/22 5/2/23 - - -
1MAD in Million2MAD
Estimates

Balance Sheet Analysis

Fiscal Period: December 2018 2019 2020 2021 2022 2023 2024 2025
Net Debt - - - - - - - -
Net Cash position - - - - - - - -
Leverage (Debt/EBITDA) - - - - - - - -
Free Cash Flow - - - - - - - -
ROE (net income / shareholders' equity) 12.1% 9.56% 3.4% 10.5% 6.44% 8.43% 8.88% 8.97%
ROA (Net income/ Total Assets) - - - - - - - -
Assets 1 - - - - - - - -
Book Value Per Share 471.0 - - - - - - -
Cash Flow per Share - - - - - - - -
Capex - - - - - - - -
Capex / Sales - - - - - - - -
Announcement Date 2/19/19 2/19/20 3/11/21 2/24/22 5/2/23 - - -
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

Ratings for Crédit du Maroc S.A.

Trading Rating
Investor Rating
ESG Refinitiv
B+
More Ratings

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
OUTPERFORM
Number of Analysts
2
Last Close Price
903 MAD
Average target price
946 MAD
Spread / Average Target
+4.76%
Consensus

EPS Revisions

Estimates Revisions

Annual profits - Rate of surprise

Company calendar

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Commercial Banks
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