Return on Retained Earnings (RORE) is an indicator of a company's growth potential, it shows how much a company earns by reinvesting its retained earnings, i.e. profits after dividend payments.
Credit du Maroc's 3-Year RORE % for the quarter that ended in Mar. 2026 was 36.66%.
The industry rank for Credit du Maroc's 3-Year RORE % or its related term are showing as below:
CAS:CDM's 3-Year RORE % is ranked better than 86.82% of 1472
companies
in the Banks industry
Industry Median: 9.87
vs CAS:CDM: 36.66
Credit du Maroc (CAS:CDM) 3-Year RORE % Explanation
Return on Retained Earnings (RORE) is important to investors because it reveals a company's efficiency and growth potential. A higher RORE indicates a higher return. A high RORE indicates that the company should reinvest profits into the business. A lower RORE suggests that the company should distribute profits to shareholders by paying out dividends, since those dollars aren't generating much additional growth for the company.
There are a several different ways to arrive at the Return on Retained Earnings. The simplest way to calculate it is by using published information on Earnings per Share (EPS) and Dividend per Share (DPS) over a selected period. Here, 3-year period is chosen.
Be Aware
Please keep in mind that the RORE is relative to the nature of the business and its competitors. If another company in the same sector is producing a lower return on retained earnings, it doesn’t necessarily mean it’s a bad investment. It may just suggest the company is older and no longer in a high growth stage. At such a stage in the business cycle, it would be expected to see a lower RORE and higher dividend payout.
Credit du Maroc 3-Year RORE % Related Terms
Credit du Maroc 3-Year RORE % Historical Data
* Premium members only.
The historical data trend for Credit du Maroc's 3-Year RORE % 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 3-Year RORE %, along with its competitors' market caps and 3-Year RORE % 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 3-Year RORE % vs Banks Industry
For the Banks industry and Financial Services sector, Credit du Maroc's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where Credit du Maroc's 3-Year RORE % 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.
In the calculation of 3-Year RORE %, the most recent and first period EPS (Diluted) is the trailing twelve months (TTM) data ended in Mar. 2026 and 3-year before.
Credit du Maroc (CAS:CDM) has a 3-Year RORE % of 36.66 as of Mar. 2026. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on Credit du Maroc and its competitors. According to the industry distribution chart, Credit du Maroc ranks #194 out of 1472 companies in the Banks industry, placing it in the top 13.2%.
Is Credit du Maroc's 3-Year RORE % too high?
Credit du Maroc's current 3-Year RORE % is 36.66. The Banks industry median 3-Year RORE % is 9.87. Credit du Maroc's value of 36.66 is 271.4% above this industry median. Based on the distribution chart, Credit du Maroc ranks #194 out of 1472 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. 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 3-Year RORE % compare to PNC and USB?
According to the Banks industry distribution chart, Credit du Maroc ranks #194 out of 1472 companies for 3-Year RORE %. This places Credit du Maroc in the top 13% of its industry — outperforming the majority of peers. The industry median 3-Year RORE % is 9.87. Credit du Maroc's value of 36.66 is 271.4% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year RORE % for a Banks company?
The median 3-Year RORE % among Banks companies is 9.87, based on 1,472 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year RORE % significantly above this median, while those in the bottom quartile fall well below. However, 3-Year RORE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Credit du Maroc's current 3-Year RORE % of 36.66 is 271.4% 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 3-Year RORE % mean?
A high 3-Year RORE % can signal that a stock is expensive relative to its fundamentals. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on Credit du Maroc and its competitors. For the Banks industry, the median 3-Year RORE % is 9.87 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Credit du Maroc's current 3-Year RORE % is 36.66. 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 3-Year RORE % is 36.66 and 271.4% above the Banks industry median of 9.87. 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 3-Year RORE % calculated?
3-Year RORE % is calculated from a company's financial statements. For Credit du Maroc (CAS:CDM), the current 3-Year RORE % is 36.66 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 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:
3-Year RORE %: 36.66
GF Value™: MAD1,079.40 vs. price of MAD994.00 (7.9% below fair value)
Industry Position: 271.4% above the Banks median (#194 of 1472)
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
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