Credit du MarocCAS:CDM +1.02%56 Net Margin % is 28.32% as of Mar. 2026, which is 48% above its 10-year median of 19.18. GuruFocus rates CAS:CDM with a GF Score™ of 56/100 and a GF Value™ of MAD1,078.34 (Fairly Valued). The stock has 2 warning signs investors should review. Among 1,527 Banks companies, Credit du Maroc ranks better than 50.69% 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 Mar. 2026 was MAD272 Mil. Credit du Maroc's Revenue for the
three
months ended in Mar. 2026 was MAD960 Mil. Therefore, Credit du Maroc's net margin for the quarter that ended in Mar. 2026 was 28.32%.
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: 27.05
Current: 27.05
CAS:CDM's Net Margin % is ranked better than 50.69% of 1527
companies
in the Banks industry
Industry Median: 26.95
vs CAS:CDM: 27.05
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 28.32% as of Mar. 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 48% above median its historical median of 19.18. Over the past decade, Credit du Maroc's Net Margin % has ranged from 9.71 to 27.05. According to the industry distribution chart, Credit du Maroc ranks #753 out of 1527 companies in the Banks industry, placing it in the top 49.3%.
Is Credit du Maroc's Net Margin % too high?
Credit du Maroc's current Net Margin % of 28.32% is 48% 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 27.05. The Banks industry median Net Margin % is 26.95. Credit du Maroc's value of 28.32% is 5.1% above this industry median. Based on the distribution chart, Credit du Maroc ranks #753 out of 1527 companies in the Banks industry, which is above the industry midpoint. Overall, Credit du Maroc has a GF Score™ of 56/100 and is considered Fairly Valued, 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 #753 out of 1527 companies for Net Margin %. This puts Credit du Maroc in the upper half of its industry. The industry median Net Margin % is 26.95. Credit du Maroc's value of 28.32% is 5.1% above this benchmark. Historically, Credit du Maroc's own Net Margin % has ranged from 9.71 to 27.05 over the past decade. While the company's 10-year median is 19.18 vs. the industry median of 26.95, Credit du Maroc has consistently been above 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 26.95, based on 1,527 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 28.32% is 5.1% above 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 26.95 — 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 28.32%, which is 48% 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 Fairly Valued. The stock's GF Value™ is MAD1,078.34, compared to a current price of MAD990.00 — trading 8.2% below its estimated fair value. The current Net Margin % is 28.32%, which is 48% above median its 10-year median of 19.18 and 5.1% above the Banks industry median of 26.95. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Credit du Maroc (CAS:CDM), the current Net Margin % is 28.32% 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 MAD990.00 is trading 8.2% below its estimated GF Value™ of MAD1,078.34.
GuruFocus considers Credit du Maroc to be Fairly Valued.
Key valuation signals for CAS:CDM:
Net Margin %: 28.32% (48% above median its 10-year median of 19.18)
GF Value™: MAD1,078.34 vs. price of MAD990.00 (8.2% below fair value)
Industry Position: 5.1% above the Banks median (#753 of 1527)
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
Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
CAS:CDM has been successfully added to your 
