Credit du MarocCAS:CDM -2.36%56 PE Ratio (TTM) is 11.54 as of Jun. 27, 2026, which is 25% below its 10-year median of 15.35. GuruFocus rates CAS:CDM with a GF Score™ of 56/100 and a GF Value™ of MAD1,079.40 (Fairly Valued). The stock has 2 warning signs investors should review. Among 1,442 Banks companies, Credit du Maroc ranks worse than 51.18% on this metric.
The PE Ratio (TTM), or Price-to-Earnings ratio, or P/E Ratio, is a financial ratio used to compare a company's market price to its Earnings per Share (Diluted). As of today (2026-06-27), Credit du Maroc's share price is
MAD994.00.
Credit du Maroc's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 was MAD86.13. Therefore, Credit du Maroc's PE Ratio (TTM) for today is 11.54.
Good Sign:
Credit du Maroc SA stock PE Ratio (=11.89) is close to 3-year low of 11.49.
The historical rank and industry rank for Credit du Maroc's PE Ratio (TTM) or its related term are showing as below:
CAS:CDM'
s PE Ratio (TTM) Range Over the Past 10 Years
Min: 7.27 Med: 15.35 Max: 46.29
Current: 11.55
During the past 13 years, the highest PE Ratio (TTM) of Credit du Maroc was 46.29. The lowest was 7.27. And the median was 15.35.
CAS:CDM's PE Ratio (TTM) is ranked worse than 51.18% of 1442
companies
in the Banks industry
Industry Median: 11.665
vs CAS:CDM: 11.55
During the past 12 months, Credit du Maroc's average EPS without NRIGrowth Rate was 19.00% per year.
During the past 3 years, the average EPS without NRIGrowth Rate was 33.10% per year.
During the past 5 years, the average EPS without NRIGrowth Rate was 25.40% per year.
During the past 10 years, the average EPS without NRIGrowth Rate was 15.80% per year.
During the past 13 years, Credit du Maroc's highest 3-Year average EPS without NRI Growth Rate was 88.00% per year. The lowest was -41.60% per year. And the median was 8.40% per year.
Credit du Maroc's EPS (Basic) for the
three
months ended in Mar. 2026 was MAD24.98.
Its EPS (Basic) for the trailing twelve months (TTM) ended in Mar. 2026 was MAD86.13.
Credit du Maroc (CAS:CDM) PE Ratio (TTM) Explanation
The PE Ratio (TTM) can be viewed as the number of years it takes for the company to earn back the price you pay for the stock. For example, if a company earns $2 a share per year, and the stock is traded at $30, the PE Ratio (TTM) is 15. Therefore it takes 15 years for the company to earn back the $30 you paid for its stock, assuming the earnings stays constant over the next 15 years.
In real business, earnings never stay constant. If a company can grow its earnings, it takes fewer years for the company to earn back the price you pay for the stock. If a company's earnings decline it takes more years. As a shareholder, you want the company to earn back the price you pay as soon as possible. Therefore, lower P/E stocks are more attractive than higher P/E stocks so long as the PE Ratio (TTM) is positive. Also for stocks with the same PE Ratio (TTM), the one with faster growth business is more attractive.
If a company loses money, the PE Ratio (TTM) becomes meaningless.
To compare stocks with different growth rates, Peter Lynch invented a ratio called PEG Ratio. PEG Ratio is defined as the PE Ratio (TTM) divided by the growth ratio. He thinks a company with a PE Ratio (TTM) equal to its growth rate is fairly valued. Still he said he would rather buy a company growing 20% a year with a PE Ratio (TTM) of 20, instead of a company growing 10% a year with a PE Ratio (TTM) of 10.
Because the PE Ratio (TTM) measures how long it takes to earn back the price you pay, the PE Ratio (TTM) can be applied to the stocks across different industries. That is why it is the one of the most important and widely used indicators for the valuation of stocks.
Investors need to be aware that the PE Ratio (TTM) can be misleading a lot of times, especially when the underlying business is cyclical and unpredictable. As Peter Lynch pointed out, cyclical businesses have higher profit margins at the peaks of the business cycles. Their earnings are high and PE Ratio (TTM)s are artificially low. It is usually a bad idea to buy a cyclical business when the PE Ratio (TTM) is low. A better ratio to identify the time to buy a cyclical businesses is the PS Ratio .
PE Ratio (TTM) can also be affected by non-recurring-items such as the sale of part of businesses. This may increase for the current year or quarter dramatically. But it cannot be repeated over and over. Therefore PE Ratio without NRI is a more accurate indication of valuation than PE Ratio (TTM).
Credit du Maroc PE Ratio (TTM) Related Terms
Credit du Maroc PE Ratio (TTM) Historical Data
* Premium members only.
The historical data trend for Credit du Maroc's PE Ratio (TTM) 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 PE Ratio (TTM), along with its competitors' market caps and PE Ratio (TTM) 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 PE Ratio (TTM) vs Banks Industry
For the Banks industry and Financial Services sector, Credit du Maroc's PE Ratio (TTM) distribution charts can be found below:
* The bar in red indicates where Credit du Maroc's PE Ratio (TTM) falls into.
The PE Ratio (TTM), or Price-to-Earnings ratio, or P/E Ratio, is a financial ratio used to compare a company's market price to its Earnings per Share (Diluted). It is the most widely used ratio in the valuation of stocks.
Credit du Maroc's Share Price of today is MAD994.00.
Credit du Maroc's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was MAD86.13.
* 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.
It can also be calculated from the numbers for the whole company:
There are at least three kinds of PE Ratio (TTM)s used by different investors. They are Trailing Twelve Month PE Ratio (TTM) or PE Ratio (TTM) (TTM), Forward PE Ratio, or PE Ratio without NRI. A new PE Ratio (TTM) based on inflation-adjusted normalized PE Ratio (TTM) is called Shiller PE Ratio, after Yale professor Robert Shiller.
In the calculation of PE Ratio (TTM), the earnings per share used are the earnings per share over the past 12 months. For Forward PE Ratio, the earnings are the expected earnings for the next twelve months. In the case of PE Ratio without NRI, the reported earnings less the non-recurring items are used.
For Shiller PE Ratio, the earnings of the past 10 years are inflation-adjusted and averaged. Since it looks at the average over the last 10 years, Shiller PE Ratio is also called PE10.
Credit du Maroc (CAS:CDM) has a PE Ratio (TTM) of 11.54 as of Jun. 27, 2026. Trailing 12-month P/E ratio is the ratio of share price to a company's trailing 12-month earnings per share. View historical data on Credit du Maroc and its competitors. This is 25% below median its historical median of 15.35. Over the past decade, Credit du Maroc's PE Ratio (TTM) has ranged from 7.27 to 46.29. According to the industry distribution chart, Credit du Maroc ranks #738 out of 1442 companies in the Banks industry, placing it in the top 51.2%.
Is Credit du Maroc's PE Ratio (TTM) too high?
Credit du Maroc's current PE Ratio (TTM) of 11.54 is 25% below median its 10-year median of 15.35. Over the past 10 years, this metric has ranged from a low of 7.27 to a high of 46.29. The Banks industry median PE Ratio (TTM) is 11.67. Credit du Maroc's value of 11.54 is 1.1% below this industry median. Based on the distribution chart, Credit du Maroc ranks #738 out of 1442 companies in the Banks industry, which is below 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 PE Ratio (TTM) compare to PNC and USB?
According to the Banks industry distribution chart, Credit du Maroc ranks #738 out of 1442 companies for PE Ratio (TTM). This places Credit du Maroc in the lower half of its industry. The industry median PE Ratio (TTM) is 11.67. Credit du Maroc's value of 11.54 is 1.1% below this benchmark. Historically, Credit du Maroc's own PE Ratio (TTM) has ranged from 7.27 to 46.29 over the past decade. While the company's 10-year median is 15.35 vs. the industry median of 11.67, 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 PE Ratio (TTM) for a Banks company?
The median PE Ratio (TTM) among Banks companies is 11.67, based on 1,442 companies in the industry. Companies in the top quartile (top 25%) have a PE Ratio (TTM) significantly above this median, while those in the bottom quartile fall well below. However, PE Ratio (TTM) should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Credit du Maroc's current PE Ratio (TTM) of 11.54 is 1.1% 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 PE Ratio (TTM) mean?
A high PE Ratio (TTM) can signal that a stock is expensive relative to its fundamentals. Trailing 12-month P/E ratio is the ratio of share price to a company's trailing 12-month earnings per share. View historical data on Credit du Maroc and its competitors. For the Banks industry, the median PE Ratio (TTM) is 11.67 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Credit du Maroc's current PE Ratio (TTM) is 11.54, which is 25% below median its own 10-year median of 15.35. 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 MAD1,079.40, compared to a current price of MAD994.00 — trading 7.9% below its estimated fair value. The current PE Ratio (TTM) is 11.54, which is 25% below median its 10-year median of 15.35 and 1.1% below the Banks industry median of 11.67. 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 PE Ratio (TTM) calculated?
PE Ratio (TTM) is calculated from a company's financial statements. For Credit du Maroc (CAS:CDM), the current PE Ratio (TTM) is 11.54 as of Jun. 27, 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 MAD994.00 is trading 7.9% below its estimated GF Value™ of MAD1,079.40.
GuruFocus considers Credit du Maroc to be Fairly Valued.
Key valuation signals for CAS:CDM:
PE Ratio (TTM): 11.54 (25% below median its 10-year median of 15.35)
GF Value™: MAD1,079.40 vs. price of MAD994.00 (7.9% below fair value)
Industry Position: 1.1% below the Banks median (#738 of 1442)
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
PE Ratio (TTM) 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 
