Attijariwafa bank SA

CBSE:ATW Stock Report

Market Cap: د.م115.9b

Attijariwafa bank Past Earnings Performance

Past criteria checks 5/6

Attijariwafa bank has been growing earnings at an average annual rate of 14.7%, while the Banks industry saw earnings growing at 14.7% annually. Revenues have been growing at an average rate of 7.2% per year. Attijariwafa bank's return on equity is 15.2%, and it has net margins of 31.1%.

Key information

14.7%

Earnings growth rate

13.2%

EPS growth rate

Banks Industry Growth3.7%
Revenue growth rate7.2%
Return on equity15.2%
Net Margin31.1%
Last Earnings Update30 Sep 2024

Recent past performance updates

Recent updates

Revenue & Expenses Breakdown

How Attijariwafa bank makes and spends money. Based on latest reported earnings, on an LTM basis.

Earnings and Revenue History

CBSE:ATW Revenue, expenses and earnings (MAD Millions)
DateRevenueEarningsG+A ExpensesR&D Expenses
30 Sep 2428,6588,9031,4360
30 Jun 2428,5138,7991,4040
31 Mar 2427,1028,1611,3490
31 Dec 2325,9627,5081,3840
30 Sep 2325,6027,3141,4050
30 Jun 2323,8446,6811,4410
31 Mar 2323,8386,3001,4430
31 Dec 2222,6716,1031,4560
30 Sep 2222,3075,8421,3810
30 Jun 2221,2965,5681,3670
31 Mar 2221,2375,4101,4300
31 Dec 2120,7315,1441,4380
30 Sep 2120,3364,8711,3960
30 Jun 2119,5004,3821,5110
31 Mar 2118,7473,2521,5430
31 Dec 2018,3333,0181,5230
30 Sep 2019,1833,3891,7010
30 Jun 2020,4114,1301,5430
31 Mar 2021,4935,4781,5570
31 Dec 1921,9145,8161,4950
30 Sep 1921,6035,8791,3280
30 Jun 1921,2615,8441,2520
31 Mar 1921,0145,7821,1500
31 Dec 1820,7005,7061,0650
30 Sep 1820,2725,5321,0630
30 Jun 1820,2255,5581,0470
31 Mar 1819,9665,5261,0000
01 Jan 1819,5005,3919370
30 Sep 1719,1895,3149240
30 Jun 1718,3284,8928890
31 Mar 1718,0574,8348990
31 Dec 1617,7274,7578960
30 Sep 1617,1194,6248840
30 Jun 1617,1764,6858830
31 Mar 1616,7044,4828550
31 Dec 1516,7804,5028510
30 Sep 1516,8184,4548470
30 Jun 1516,8554,4068420
31 Mar 1516,6594,3818350
31 Dec 1416,4624,3558280
30 Sep 1416,3004,2688120
30 Jun 1416,1374,1817970
31 Mar 1416,1014,1617810
31 Dec 1316,0644,1417650

Quality Earnings: ATW has high quality earnings.

Growing Profit Margin: ATW's current net profit margins (31.1%) are higher than last year (28.6%).

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: ATW's earnings have grown by 14.7% per year over the past 5 years.

Accelerating Growth: ATW's earnings growth over the past year (21.7%) exceeds its 5-year average (14.7% per year).

Earnings vs Industry: ATW earnings growth over the past year (21.7%) exceeded the Banks industry 21.7%.

Return on Equity

High ROE: ATW's Return on Equity (15.2%) is considered low.

Return on Assets

Return on Capital Employed

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2024/12/22 01:16
End of Day Share Price 2024/12/20 00:00
Earnings2024/09/30
Annual Earnings2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

Attijariwafa bank SA is covered by 9 analysts. 3 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Ranya GnabaAlphaMena
Jaap MeijerArqaam Capital Research Offshore S.A.L.
Craig MetherellAvior Capital Markets