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Credit du MarocCAS:CDM +0.91%56 Intrinsic Value: Projected FCF is MAD1,080.40 as of Aug. 16, 2026, which is 100% below its 10-year median of 0.79. GuruFocus rates CAS:CDM with a GF Score™ of 56/100 and a GF Value™ of MAD1,112.10 (Modestly Undervalued). The stock has 2 warning signs investors should review. Among 1,309 Banks companies, Credit du Maroc ranks worse than 79.37% on this metric.
Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company. The details of how we calculate the intrinsic value of stocks are described in detail here.
As of today (2026-08-16), Credit du Maroc's Intrinsic Value: Projected FCF is MAD1,080.40. The stock price of Credit du Maroc is MAD999.00. Therefore, Credit du Maroc's Price-to-Intrinsic-Value-Projected-FCF of today is 0.9.
The historical rank and industry rank for Credit du Maroc's Intrinsic Value: Projected FCF or its related term are showing as below:
CAS:CDM'
s Price-to-Projected-FCF Range Over the Past 10 Years
Min: 0.4 Med: 0.79 Max: 1.32
Current: 0.92
During the past 13 years, the highest Price-to-Intrinsic-Value-Projected-FCF of Credit du Maroc was 1.32. The lowest was 0.40. And the median was 0.79.
CAS:CDM's Price-to-Projected-FCF is ranked worse than 79.37% of 1309
companies
in the Banks industry
Industry Median: 0.59
vs CAS:CDM: 0.92
Credit du Maroc (CAS:CDM) Intrinsic Value: Projected FCF Explanation
The growth multiple is capped between 8.35 and 17.74.
Total Stockholders Equity weighting is more art than science and it should always be revisited in more detail when researching a company. Weightings from 0% to 100% to more than 100% are possible. 80% was chosen as a happy median after taking the above ideas into consideration.
Credit du Maroc's Price-to-Intrinsic-Value-Projected-FCF for today is calculated as
Price-to-Intrinsic-Value-Projected-FCF
=
Share Price
/
Intrinsic Value: Projected FCF
=
999.00
/
1080.4042841272
=
0.92
* 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 Intrinsic Value: Projected FCF Related Terms
Credit du Maroc Intrinsic Value: Projected FCF Historical Data
* Premium members only.
The historical data trend for Credit du Maroc's Intrinsic Value: Projected FCF 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 Intrinsic Value: Projected FCF Chart
CAS:CDM vs PNC, USB: Intrinsic Value: Projected FCF Comparison
For the Banks - Regional subindustry, Credit du Maroc's Price-to-Projected-FCF, along with its competitors' market caps and Price-to-Projected-FCF 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 Price-to-Projected-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Credit du Maroc's Price-to-Projected-FCF distribution charts can be found below:
* The bar in red indicates where Credit du Maroc's Price-to-Projected-FCF falls into.
Credit du Maroc Intrinsic Value: Projected FCF Calculation
Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company.
The details of how we calculate the intrinsic value of stocks are described in detail here.
This method smooths out the free cash flow over the past 6-7 years, multiplies the results by a growth multiple, and adds a portion of Total Stockholders Equity.
* 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.
What does a Intrinsic Value: Projected FCF of MAD1,080.40 mean?
Credit du Maroc (CAS:CDM) has a Intrinsic Value: Projected FCF of MAD1,080.40 as of Aug. 16, 2026. Intrinsic Value: Projected FCF is the stock value based on a projected free cash flow model. View historical data on Credit du Maroc and its competitors. This is 136659% above median its historical median of 0.79. Over the past decade, Credit du Maroc's Intrinsic Value: Projected FCF has ranged from 0.40 to 1.32. According to the industry distribution chart, Credit du Maroc ranks #1039 out of 1309 companies in the Banks industry, placing it in the top 79.4%.
Is Credit du Maroc's Intrinsic Value: Projected FCF too high?
Credit du Maroc's current Intrinsic Value: Projected FCF of MAD1,080.40 is 136659% above median its 10-year median of 0.79. Over the past 10 years, this metric has ranged from a low of 0.40 to a high of 1.32. Based on the distribution chart, Credit du Maroc ranks #1039 out of 1309 companies in the Banks industry, which is in the bottom quartile relative to peers. 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 Intrinsic Value: Projected FCF compare to PNC and USB?
According to the Banks industry distribution chart, Credit du Maroc ranks #1039 out of 1309 companies for Intrinsic Value: Projected FCF. This places Credit du Maroc in the lower half of its industry. The industry median Intrinsic Value: Projected FCF is 0.59. Historically, Credit du Maroc's own Intrinsic Value: Projected FCF has ranged from 0.40 to 1.32 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Intrinsic Value: Projected FCF for a Banks company?
The median Intrinsic Value: Projected FCF among Banks companies is 0.59, based on 1,309 companies in the industry. Companies in the top quartile (top 25%) have a Intrinsic Value: Projected FCF significantly above this median, while those in the bottom quartile fall well below. However, Intrinsic Value: Projected FCF 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 Intrinsic Value: Projected FCF mean?
A high Intrinsic Value: Projected FCF can signal that a stock is expensive relative to its fundamentals. Intrinsic Value: Projected FCF is the stock value based on a projected free cash flow model. View historical data on Credit du Maroc and its competitors. For the Banks industry, the median Intrinsic Value: Projected FCF is 0.59 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Credit du Maroc's current Intrinsic Value: Projected FCF is MAD1,080.40, which is 136659% above median its own 10-year median of 0.79. 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 MAD1,112.10, compared to a current price of MAD999.00 — trading 10.2% below its estimated fair value. The current Intrinsic Value: Projected FCF is MAD1,080.40, which is 136659% above median its 10-year median of 0.79. 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 Intrinsic Value: Projected FCF calculated?
Intrinsic Value: Projected FCF is calculated from a company's financial statements. For Credit du Maroc (CAS:CDM), the current Intrinsic Value: Projected FCF is MAD1,080.40 as of Aug. 16, 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 MAD999.00 is trading 10.2% below its estimated GF Value™ of MAD1,112.10.
GuruFocus considers Credit du Maroc to be Modestly Undervalued.
Key valuation signals for CAS:CDM:
Intrinsic Value: Projected FCF: MAD1,080.40 (136659% above median its 10-year median of 0.79)
GF Value™: MAD1,112.10 vs. price of MAD999.00 (10.2% below fair value)
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 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
Intrinsic Value: Projected FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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