Credit du Maroc (CAS:CDM) Effective Interest Rate on Debt %: 14.60% (As of Mar. 2026)


CAS:CDM Credit du Maroc SA CAS:CDM
56 GF Score
Price MAD970.00
GF Value MAD1,082.57
Valuation Modestly Undervalued
! 2 Warning Signs
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What is Credit du Maroc Effective Interest Rate on Debt %?

Credit du Maroc CAS:CDM +0.83% 56 Effective Interest Rate on Debt % is 14.60% as of Mar. 2026. GuruFocus rates CAS:CDM with a GF Score™ of 56/100 and a GF Value™ of MAD1,082.57 (Modestly Undervalued). The stock has 2 warning signs investors should review.

Effective Interest Rate on Debt % is the usage rate that a borrower actually pays on a debt. It is calculated as the positive value of Interest Expense divided by its average total debt. Total debt equals to Long-Term Debt & Capital Lease Obligation plus Short-Term Debt & Capital Lease Obligation. Credit du Maroc's annualized positive value of Interest Expense for the quarter that ended in Mar. 2026 was MAD605 Mil. Credit du Maroc's average total debt for the quarter that ended in Mar. 2026 was MAD4,142 Mil. Therefore, Credit du Maroc's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 was 14.60%.


Credit du Maroc  (CAS:CDM) Effective Interest Rate on Debt % Explanation

Effective Interest Rate on Debt % measures the usage rate that a borrower actually pays on a debt.


Credit du Maroc Effective Interest Rate on Debt % Related Terms


Credit du Maroc Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Credit du Maroc's Effective Interest Rate on Debt % can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Credit du Maroc Effective Interest Rate on Debt % Chart

Credit du Maroc Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Effective Interest Rate on Debt %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 11.68 14.41 15.79 15.81 14.06

Credit du Maroc Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Effective Interest Rate on Debt % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 13.28 15.36 14.19 15.00 14.60

CAS:CDM vs PNC, USB: Effective Interest Rate on Debt % Comparison

For the Banks - Regional subindustry, Credit du Maroc's Effective Interest Rate on Debt %, along with its competitors' market caps and Effective Interest Rate on Debt % data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Credit du Maroc Effective Interest Rate on Debt % vs Banks Industry

For the Banks industry and Financial Services sector, Credit du Maroc's Effective Interest Rate on Debt % distribution charts can be found below:

* The bar in red indicates where Credit du Maroc's Effective Interest Rate on Debt % falls into.


CAS:CDM
56GF Score
Credit du Maroc SA CAS:CDM
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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Credit du Maroc Effective Interest Rate on Debt % Calculation

Credit du Maroc's annualized Effective Interest Rate on Debt % for the fiscal year that ended in Dec. 2025 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (A: Dec. 2024 )+Total Debt  (A: Dec. 2025 ))/ count )
=-1  *  -618.431/( (4417.642+4378.667)/ 2 )
=-1  *  -618.431/4398.1545
=14.06 %

where

Total Debt  (A: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=4417.642 + 0
=4417.642

Total Debt  (A: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=4378.667 + 0
=4378.667

Credit du Maroc's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (Q: Dec. 2025 )+Total Debt  (Q: Mar. 2026 ))/ count )
=-1  *  -604.816/( (4378.667+3905.155)/ 2 )
=-1  *  -604.816/4141.911
=14.60 %

where

Total Debt  (Q: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=4378.667 + 0
=4378.667

Total Debt  (Q: Mar. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=3905.155 + 0
=3905.155

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

In the calculation of annual Effective Interest Rate on Debt %, the Interest Expense of the last fiscal year and the average total debt over the fiscal year are used. In calculating the quarterly data, the Interest Expense data used here is four times the quarterly (Mar. 2026) interest expense data. Effective Interest Rate on Debt % is displayed in the 30-year financial page.

What does a Effective Interest Rate on Debt % of 14.60% mean?
Credit du Maroc (CAS:CDM) has a Effective Interest Rate on Debt % of 14.60% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Credit du Maroc and its competitors.
Is Credit du Maroc's Effective Interest Rate on Debt % too high?
Credit du Maroc's current Effective Interest Rate on Debt % is 14.60%. Overall, Credit du Maroc has a GF Score™ of 56/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Credit du Maroc's Effective Interest Rate on Debt % compare to PNC and USB?
Credit du Maroc's Effective Interest Rate on Debt % of 14.60% can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Effective Interest Rate on Debt % for a Banks company?
A good Effective Interest Rate on Debt % depends on the Banks industry context. However, Effective Interest Rate on Debt % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Effective Interest Rate on Debt % mean?
A high Effective Interest Rate on Debt % can signal that a stock is expensive relative to its fundamentals. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Credit du Maroc and its competitors. Credit du Maroc's current Effective Interest Rate on Debt % is 14.60%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Credit du Maroc stock overvalued right now?
Based on GuruFocus' analysis, Credit du Maroc (CAS:CDM) is currently considered Modestly Undervalued. The stock's GF Value™ is MAD1,082.57, compared to a current price of MAD970.00 — trading 10.4% below its estimated fair value. The current Effective Interest Rate on Debt % is 14.60%. Credit du Maroc's overall GF Score™ is 56/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Effective Interest Rate on Debt % calculated?
Effective Interest Rate on Debt % is calculated from a company's financial statements. For Credit du Maroc (CAS:CDM), the current Effective Interest Rate on Debt % is 14.60% as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Credit du Maroc (CAS:CDM) Overvalued in 2026?

Based on GuruFocus' analysis, Credit du Maroc stock appears to be undervalued. The current stock price of MAD970.00 is trading 10.4% below its estimated GF Value™ of MAD1,082.57. GuruFocus considers Credit du Maroc to be Modestly Undervalued.

Key valuation signals for CAS:CDM:

  • Effective Interest Rate on Debt %: 14.60%
  • GF Value™: MAD1,082.57 vs. price of MAD970.00 (10.4% below fair value)
  • GF Score™: 56/100 with 2 warning signs

No single metric tells the full story. See the CAS:CDM stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Credit du Maroc Business Description

Address 48-58 Bd. Mohammed V, Casablanca, MAR
Credit du Maroc SA provides banking services. The company provides commercial banking activities and financial. commercial. property-related activities for its customers in Morocco or overseas.
56GF Score

Get the complete analysis for CAS:CDM

Effective Interest Rate on Debt % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

MAD970.00
Price
MAD1,082.57
GF Value