Crédit du Maroc Past Earnings Performance

Past criteria checks 5/6

Crédit du Maroc has been growing earnings at an average annual rate of 7.3%, while the Banks industry saw earnings growing at 14.7% annually. Revenues have been growing at an average rate of 6.6% per year. Crédit du Maroc's return on equity is 8.7%, and it has net margins of 23.2%.

Key information

7.3%

Earnings growth rate

7.3%

EPS growth rate

Banks Industry Growth3.7%
Revenue growth rate6.6%
Return on equity8.7%
Net Margin23.2%
Last Earnings Update30 Sep 2024

Recent past performance updates

Recent updates

Revenue & Expenses Breakdown

How Crédit du Maroc makes and spends money. Based on latest reported earnings, on an LTM basis.


Earnings and Revenue History

CBSE:CDM Revenue, expenses and earnings (MAD Millions)
DateRevenueEarningsG+A ExpensesR&D Expenses
30 Sep 242,7326332730
30 Jun 242,7156082730
31 Mar 242,5465262640
31 Dec 232,4775032390
30 Sep 232,2934122240
30 Jun 232,1983652160
31 Mar 232,2484062130
31 Dec 222,2434042090
30 Sep 222,5516752020
30 Jun 222,5516741990
31 Mar 222,5096701960
31 Dec 212,3936271920
30 Sep 212,1154771740
30 Jun 212,0384441630
31 Mar 211,6372091590
31 Dec 201,6601901540
30 Sep 201,7171781510
30 Jun 201,7932321330
31 Mar 202,1224571460
31 Dec 192,1155091430
30 Sep 192,2616431320
30 Jun 192,2206261420
31 Mar 192,1875991190
31 Dec 182,1455891130
30 Sep 181,9174231100
30 Jun 181,8764071080
31 Mar 181,8093761060
01 Jan 181,7823651060
30 Sep 171,7724021080
30 Jun 171,7543931610
31 Mar 171,7173751080
31 Dec 161,6633391080
30 Sep 161,5552151100
30 Jun 161,461175570
31 Mar 161,3711051090
31 Dec 151,328901080
30 Sep 151,3001021650
30 Jun 151,3531381070
31 Mar 151,4451961090
31 Dec 141,4902381120
30 Sep 141,5912891680
30 Jun 141,5812811680
31 Mar 141,5472641120

Quality Earnings: CDM has high quality earnings.

Growing Profit Margin: CDM's current net profit margins (23.2%) are higher than last year (18%).


Free Cash Flow vs Earnings Analysis


Past Earnings Growth Analysis

Earnings Trend: CDM's earnings have grown by 7.3% per year over the past 5 years.

Accelerating Growth: CDM's earnings growth over the past year (53.6%) exceeds its 5-year average (7.3% per year).

Earnings vs Industry: CDM earnings growth over the past year (53.6%) exceeded the Banks industry 21.7%.


Return on Equity

High ROE: CDM's Return on Equity (8.7%) 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 Analysis2025/02/06 13:57
End of Day Share Price 2025/02/06 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.

Analysis Model and Snowflake

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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 Github.

Analyst Sources

Crédit du Maroc S.A. is covered by 5 analysts. 1 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
Dounia FilaliBmce Capital Bourse
Khadija El MoussilyBmce Capital Bourse