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  3. •

    Regional banks
CRCAM du Morbihan

CRCAM du Morbihan

115.90
EUR
+1.90
(+1.67%)
561.97MMarket Cap
CRCAM du Morbihan
LSE:0AHX
(London Stock Exchange)

Recent

price

115.90

P/E

ratio

- -

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
EUR
46.76
43.85
30.32
40.85
40.69
44.18
42.58
43.01
43.21
40.94
38.88
42.64
48.23
39.4
44.56
44.7
- -
Revenue per Share
12.37
10.61
1.01
7.95
8.47
10.87
8.17
10.17
12.76
10.78
9.96
13.14
15.7
9.89
13.16
13.11
- -
Basic EPS, GAAP
-36.68
-11.31
25.24
-19.56
11.92
23.77
65.48
-24.51
-5.29
32.5
60.6
133.2
-57.77
-84.2
-12.88
11.26
- -
Free Cash Flow per Basic Share
- -
- -
1.48
1.19
-3.75
1.14
0.9
0.89
-5.45
-6.21
-3.1
-2.69
3.67
4.48
1.78
1.09
- -
Dividend per Share
483.58
531.72
177.6
187.61
200.02
215.21
228.23
243.49
285.69
309.74
315.2
1,184.38
354.52
377.21
406.8
450.51
450.51
Book Value per Share
483.21
531.34
177.48
187.49
199.88
215.06
228.08
243.35
285.56
309.73
315.19
1,184.36
354.52
377.2
406.79
450.51
450.51
Tangible Book Value per Share
5
5
5
5
5
5
5
5
5
5
5
5
5
5
5
5
5
Basic Weighted Avg Shares
252
235
162
216
215
232
223
225
227
215
204
224
253
206
233
234
- -
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
28
3
4
4
4
4
4
4
4
4
6
6
6
6
5
6
- -
Depreciation Expense
67
57
5
42
45
57
43
53
67
57
52
69
82
52
69
69
- -
Net Income, GAAP
30.95
30.23
51.78
35.23
32.19
31.2
36.34
31.41
22.29
29.27
22.02
24.35
17.7
9.03
11.55
12.66
- -
Effective Tax Rate (%)
26.46
24.19
3.32
19.45
20.81
24.61
19.2
23.65
29.54
26.34
25.61
30.81
32.56
25.11
29.52
29.33
- -
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
135
359
1,034
268
282
265
150
174
42
21
43
39
44
28
37
28
28
LT Debt
847
917
946
994
1,055
1,129
1,193
1,276
1,499
1,625
1,653
1,883
1,859
1,973
2,128
2,362
2,362
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
7.05
5.03
0.33
2.6
3.44
4.18
3.12
3.82
4.48
3.55
3.12
3.81
4.31
2.65
3.3
3.02
- -
Return on Capital (%)
8.26
6.45
0.58
4.34
4.36
5.22
3.68
4.32
4.83
3.62
3.19
3.9
4.4
2.7
3.36
3.06
- -
Return on Common Equity (%)

Capital Structure

EUR

•

in mil. unless spec.
Dec'24
Jun'25
Dec'25
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
5
5
5
Market Capitalization
371
427
562

Working Capital

EUR

•

in mil. unless spec.
Dec'24
Jun'25
Dec'25
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
41
26
58
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

EUR

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
7.78%
7.52%
11.02%
Free Cash Flow
-92.02%
-50.11%
-187.63%
Net Income, GAAP
4.92%
9.44%
-0.09%
Sales/Revenue/Turnover
0.54%
3.58%
0.57%
Total Cash Common Dividend
-109.78%
-65.26%
-38.75%

Semi-annual Revenue

EUR

•

in mil. unless spec.

Year

H1
H2
FY
2023
- -
- -
206
2024
- -
- -
233
2025
- -
- -
234

Semi-annual Earnings Per Share

EUR

•

in mil. unless spec.

Year

H1
H2
FY
2023
- -
- -
9.89
2024
- -
- -
13.16
2025
- -
- -
13.11

Semi-annual Dividends Per Share

EUR

•

in mil. unless spec.

Year

H1
H2
FY
2023
- -
- -
4.48
2024
- -
- -
1.78
2025
- -
- -
1.09
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Business
Caisse Regionale de Credit Agricole du Morbihan (CMO.PA) operates as a regional cooperative bank in France, providing retail banking, insurance, and financial services primarily to individuals, private banking clients, professionals, farmers, associations, businesses, local authorities, and social housing organizations in the Morbihan department. The company offers bank and savings accounts; term savings products, treasury and project management services; bank cards, collection solutions, lease financing, health payment solutions, leasing, and mobile payments; medium- and long-term loans, real estate loans, consumer loans, vehicle loans, work credits, and medium-term credits; real estate, financial, cash, community, social housing, responsible, and short- to medium-term investments; as well as a comprehensive range of insurance products including home, auto, life, health, pension, agricultural equipment, activity, civil liability, legal protection, and borrower insurances. Founded in 1904 and headquartered in Vannes, France, it maintains a network of local banking outlets and branches serving the Brittany region, while operating as a subsidiary within the Credit Agricole S.A. group. In recent developments, the bank continues to emphasize local reinvestment of results into community projects and digital enhancements like the Ma Banque mobile application, with ongoing support for customer engagement in solidarity actions and privileged local offers amid stable operations in 2024-2025.