CRÉDIT IMMOBILIER ET HÔTELIER, SOCIÉTÉ ANONYME |
End-of-day quote
Other stock markets
|
5-day change | 1st Jan Change | ||
| 389 MAD | +0.52% |
|
+2.10% | +10.65% |
Valuation
| Fiscal Period: December | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|---|---|---|---|
| Capitalization 1 | 8,469 | 7,223 | 9,602 | 9,278 | 10,729 | 11,872 | - | - |
| Enterprise Value (EV) 1 | 8,469 | 7,223 | 9,602 | 9,278 | 10,729 | 11,872 | 11,872 | 11,872 |
| P/E ratio | 19.8 x | 91.1 x | 15.9 x | - | - | 15.6 x | 14.4 x | - |
| Yield | 4.68% | 3.14% | 4.13% | 4.61% | - | 3.86% | 4.11% | 4.63% |
| Capitalization / Revenue | 3.39 x | 2.62 x | 3.09 x | 2.64 x | 2.4 x | 2.51 x | 2.32 x | 2.14 x |
| EV / Revenue | 3.39 x | 2.62 x | 3.09 x | 2.64 x | 2.4 x | 2.51 x | 2.32 x | 2.14 x |
| EV / EBITDA | - | - | - | - | - | - | - | - |
| EV / FCF | - | - | - | - | - | - | - | - |
| FCF Yield | - | - | - | - | - | - | - | - |
| Price to Book | - | - | - | - | - | - | - | - |
| Nbr of stocks (in thousands) | 28,325 | 28,325 | 28,325 | 30,520 | 30,520 | 30,520 | - | - |
| Reference price 2 | 299.0 | 255.0 | 339.0 | 304.0 | 351.6 | 389.0 | 389.0 | 389.0 |
| Announcement Date | 2/26/20 | 3/9/21 | 3/11/22 | 3/17/23 | 2/23/24 | - | - | - |
1MAD in Million2MAD
Estimates
Income Statement Evolution (Annual data)
| Fiscal Period: December | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|---|---|---|---|
| Net sales 1 | 2,502 | 2,760 | 3,107 | 3,518 | 4,468 | 4,734 | 5,114 | 5,559 |
| EBITDA | - | - | - | - | - | - | - | - |
| EBIT 1 | 691.8 | 1,064 | 1,389 | 1,657 | 2,477 | 1,401 | 1,555 | - |
| Operating Margin | 27.65% | 38.55% | 44.7% | 47.11% | 55.43% | 29.59% | 30.41% | - |
| Earnings before Tax (EBT) | - | - | 1,007 | - | - | - | - | - |
| Net income 1 | 426.4 | 80.66 | 603 | - | - | 761 | 825 | 919 |
| Net margin | 17.04% | 2.92% | 19.41% | - | - | 16.08% | 16.13% | 16.53% |
| EPS 2 | 15.10 | 2.800 | 21.30 | - | - | 24.90 | 27.00 | - |
| Free Cash Flow | - | - | - | - | - | - | - | - |
| FCF margin | - | - | - | - | - | - | - | - |
| FCF Conversion (EBITDA) | - | - | - | - | - | - | - | - |
| FCF Conversion (Net income) | - | - | - | - | - | - | - | - |
| Dividend per Share 2 | 14.00 | 8.000 | 14.00 | 14.00 | - | 15.00 | 16.00 | 18.00 |
| Announcement Date | 2/26/20 | 3/9/21 | 3/11/22 | 3/17/23 | 2/23/24 | - | - | - |
1MAD in Million2MAD
Estimates
Balance Sheet Analysis
| Fiscal Period: December | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|---|---|---|---|
| Net Debt | - | - | - | - | - | - | - | - |
| Net Cash position | - | - | - | - | - | - | - | - |
| Leverage (Debt/EBITDA) | - | - | - | - | - | - | - | - |
| Free Cash Flow | - | - | - | - | - | - | - | - |
| ROE (net income / shareholders' equity) | 8.69% | 1.61% | 11.8% | 11.3% | - | 10.9% | 11.3% | 11.9% |
| ROA (Net income/ Total Assets) | - | 0.1% | 0.62% | - | - | - | - | - |
| Assets 1 | - | 82,385 | 97,992 | - | - | - | - | - |
| Book Value Per Share | - | - | - | - | - | - | - | - |
| Cash Flow per Share | - | - | - | - | - | - | - | - |
| Capex | - | - | - | - | - | - | - | - |
| Capex / Sales | - | - | - | - | - | - | - | - |
| Announcement Date | 2/26/20 | 3/9/21 | 3/11/22 | 3/17/23 | 2/23/24 | - | - | - |
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
Sell
Buy
Mean consensus
HOLD
Number of Analysts
2
Last Close Price
389
MAD
Average target price
372
MAD
Spread / Average Target
-4.37%
EPS Revisions
Annual profits - Rate of surprise
| 1st Jan change | Capi. | |
|---|---|---|
| +10.65% | 1.18B | |
| +22.26% | 208B | |
| +1.60% | 72.86B | |
| +8.06% | 55.97B | |
| +21.81% | 51.01B | |
| +5.61% | 49.29B | |
| +32.61% | 47.04B | |
| +10.83% | 36.84B | |
| -15.79% | 35.32B | |
| -96.60% | 32.24B |
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