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Credit du MarocCAS:CDM +0.91%57 Net Margin % is 25.21% as of Jun. 2026, which is 31% above its 10-year median of 19.18. GuruFocus rates CAS:CDM with a GF Score™ of 57/100 and a GF Value™ of MAD1,108.19 (Modestly Undervalued). The stock has 2 warning signs investors should review. Among 1,525 Banks companies, Credit du Maroc ranks worse than 53.7% on this metric.
Net margin is calculated as Net Income divided by its Revenue. Credit du Maroc's Net Income for the
three
months ended in Jun. 2026 was MAD260 Mil. Credit du Maroc's Revenue for the
three
months ended in Jun. 2026 was MAD1,031 Mil. Therefore, Credit du Maroc's net margin for the quarter that ended in Jun. 2026 was 25.21%.
The historical rank and industry rank for Credit du Maroc's Net Margin % or its related term are showing as below:
CAS:CDM'
s Net Margin % Range Over the Past 10 Years
Min: 9.71 Med: 19.18 Max: 26.02
Current: 26.02
CAS:CDM's Net Margin % is ranked worse than 53.7% of 1525
companies
in the Banks industry
Industry Median: 27.1
vs CAS:CDM: 26.02
Credit du Maroc (CAS:CDM) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Credit du Maroc Net Margin % Related Terms
Credit du Maroc Net Margin % Historical Data
* Premium members only.
The historical data trend for Credit du Maroc's Net Margin % 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.
For the Banks - Regional subindustry, Credit du Maroc's Net Margin %, along with its competitors' market caps and Net Margin % 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Credit du Maroc's Net Margin % distribution charts can be found below:
* The bar in red indicates where Credit du Maroc's Net Margin % falls into.
* 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 (CAS:CDM) has a Net Margin % of 25.21% as of Jun. 2026. Net margin is the ratio of total net income to net sales. View historical data on Credit du Maroc and its competitors. This is 31% above median its historical median of 19.18. Over the past decade, Credit du Maroc's Net Margin % has ranged from 9.71 to 26.02. According to the industry distribution chart, Credit du Maroc ranks #819 out of 1525 companies in the Banks industry, placing it in the top 53.7%.
Is Credit du Maroc's Net Margin % too high?
Credit du Maroc's current Net Margin % of 25.21% is 31% above median its 10-year median of 19.18. Over the past 10 years, this metric has ranged from a low of 9.71 to a high of 26.02. The Banks industry median Net Margin % is 27.10. Credit du Maroc's value of 25.21% is 7% below this industry median. Based on the distribution chart, Credit du Maroc ranks #819 out of 1525 companies in the Banks industry, which is below the industry midpoint. Overall, Credit du Maroc has a GF Score™ of 57/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Credit du Maroc's Net Margin % compare to PNC and USB?
According to the Banks industry distribution chart, Credit du Maroc ranks #819 out of 1525 companies for Net Margin %. This places Credit du Maroc in the lower half of its industry. The industry median Net Margin % is 27.10. Credit du Maroc's value of 25.21% is 7% below this benchmark. Historically, Credit du Maroc's own Net Margin % has ranged from 9.71 to 26.02 over the past decade. While the company's 10-year median is 19.18 vs. the industry median of 27.10, Credit du Maroc has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 27.10, based on 1,525 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Credit du Maroc's current Net Margin % of 25.21% is 7% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Credit du Maroc and its competitors. For the Banks industry, the median Net Margin % is 27.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Credit du Maroc's current Net Margin % is 25.21%, which is 31% above median its own 10-year median of 19.18. 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 MAD1,108.19, compared to a current price of MAD990.40 — trading 10.6% below its estimated fair value. The current Net Margin % is 25.21%, which is 31% above median its 10-year median of 19.18 and 7% below the Banks industry median of 27.10. Credit du Maroc's overall GF Score™ is 57/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Credit du Maroc (CAS:CDM), the current Net Margin % is 25.21% as of Jun. 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 MAD990.40 is trading 10.6% below its estimated GF Value™ of MAD1,108.19.
GuruFocus considers Credit du Maroc to be Modestly Undervalued.
Key valuation signals for CAS:CDM:
Net Margin %: 25.21% (31% above median its 10-year median of 19.18)
GF Value™: MAD1,108.19 vs. price of MAD990.40 (10.6% below fair value)
Industry Position: 7% below the Banks median (#819 of 1525)
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.
57GF Score
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