Credit du Maroc (CAS:CDM) Scaled Net Operating Assets: 0.13 (As of Mar. 2026)


CAS:CDM Credit du Maroc SA CAS:CDM
56 GF Score
Price MAD990.00
GF Value MAD1,078.34
Valuation Fairly Valued
! 2 Warning Signs
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What is Credit du Maroc Scaled Net Operating Assets?

Credit du Maroc CAS:CDM +1.02% 56 Scaled Net Operating Assets is 0.13 as of Mar. 2026. 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.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Credit du Maroc's operating assets for the quarter that ended in Mar. 2026 was MAD80,910 Mil. Credit du Maroc's operating liabilities for the quarter that ended in Mar. 2026 was MAD70,163 Mil. Credit du Maroc's Total Assets for the quarter that ended in Dec. 2025 was MAD83,728 Mil. Therefore, Credit du Maroc's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was 0.13.

CAS:CDM
56GF Score
Credit du Maroc SA CAS:CDM
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Credit du Maroc Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Credit du Maroc's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(80884.748-71146.421)/74050.891
=0.13

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=83728.097 - 2843.349
=80884.748

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=75525.088 - 4378.667 - 0
=71146.421

Credit du Maroc's Scaled Net Operating Assets (SNOA) for the quarter that ended in Mar. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Mar. 2026 )
=(Operating Assets (Q: Mar. 2026 )-Operating Liabilities (Q: Mar. 2026 ))/Total Assets (Q: Dec. 2025 )
=(80910.208-70162.632)/83728.097
=0.13

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=82561.732 - 1651.524
=80910.208

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=74067.787 - 3905.155 - 0
=70162.632

* 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 Scaled Net Operating Assets of 0.13 mean?
Credit du Maroc (CAS:CDM) has a Scaled Net Operating Assets of 0.13 as of Mar. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Credit du Maroc and its competitors.
Is Credit du Maroc's Scaled Net Operating Assets too high?
Credit du Maroc's current Scaled Net Operating Assets is 0.13. 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 Scaled Net Operating Assets compare to PNC and USB?
Credit du Maroc's Scaled Net Operating Assets of 0.13 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Scaled Net Operating Assets for a Banks company?
A good Scaled Net Operating Assets depends on the Banks industry context. However, Scaled Net Operating Assets 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Credit du Maroc and its competitors. Credit du Maroc's current Scaled Net Operating Assets is 0.13. 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 Scaled Net Operating Assets is 0.13. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For Credit du Maroc (CAS:CDM), the current Scaled Net Operating Assets is 0.13 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:

  • Scaled Net Operating Assets: 0.13
  • GF Value™: MAD1,078.34 vs. price of MAD990.00 (8.2% below fair value)
  • GF Score™: 56/100 with 2 warning signs

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 Business Description

Address 48-58 Bd. Mohammed V, Casablanca, MAR
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

Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

MAD990.00
Price
MAD1,078.34
GF Value