Caisse Régionale de Crédit Agricole du Morbihan
Caisse Régionale de Crédit Agricole du Morbihan provides various banking products and services to individuals, private banking, professionals, farmers, associations, businesses, and local authorities and social housing in France. The company offers bank and savings accounts; term savings, treasury and project management; bank cards, collection solutions, lease financing, health payment solutions,… Read more
Caisse Régionale de Crédit Agricole du Morbihan (CMO) - Net Assets
Latest net assets as of June 2025: €2.23 Billion EUR
Based on the latest financial reports, Caisse Régionale de Crédit Agricole du Morbihan (CMO) has net assets worth €2.23 Billion EUR as of June 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (€13.82 Billion) and total liabilities (€11.59 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | €2.23 Billion |
| % of Total Assets | 16.14% |
| Annual Growth Rate | -0.05% |
| 5-Year Change | 28.7% |
| 10-Year Change | 88.4% |
| Growth Volatility | 22.8 |
Caisse Régionale de Crédit Agricole du Morbihan - Net Assets Trend (2000–2024)
This chart illustrates how Caisse Régionale de Crédit Agricole du Morbihan's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for Caisse Régionale de Crédit Agricole du Morbihan (2000–2024)
The table below shows the annual net assets of Caisse Régionale de Crédit Agricole du Morbihan from 2000 to 2024.
| Year | Net Assets | Change |
|---|---|---|
| 2024-12-31 | €2.13 Billion | +7.84% |
| 2023-12-31 | €1.97 Billion | +6.14% |
| 2022-12-31 | €1.86 Billion | -1.28% |
| 2021-12-31 | €1.88 Billion | +13.90% |
| 2020-12-31 | €1.65 Billion | +1.71% |
| 2019-12-31 | €1.63 Billion | +8.43% |
| 2018-12-31 | €1.50 Billion | +17.45% |
| 2017-12-31 | €1.28 Billion | +6.95% |
| 2016-12-31 | €1.19 Billion | +5.66% |
| 2015-12-31 | €1.13 Billion | +7.07% |
| 2014-12-31 | €1.05 Billion | +6.20% |
| 2013-12-31 | €993.24 Million | +4.97% |
| 2012-12-31 | €946.19 Million | +3.22% |
| 2011-12-31 | €916.66 Million | +8.29% |
| 2010-12-31 | €846.52 Million | +10.48% |
| 2009-12-31 | €766.25 Million | +22.91% |
| 2008-12-31 | €623.39 Million | -28.65% |
| 2007-12-31 | €873.74 Million | -9.75% |
| 2006-12-31 | €968.09 Million | +26.96% |
| 2005-12-31 | €762.51 Million | +44.23% |
| 2004-12-31 | €528.66 Million | +16.53% |
| 2003-12-31 | €453.66 Million | +7.01% |
| 2002-12-31 | €423.93 Million | -84.10% |
| 2001-12-31 | €2.67 Billion | +23.83% |
| 2000-12-31 | €2.15 Billion | -- |
Equity Component Analysis
This analysis shows how different components contribute to Caisse Régionale de Crédit Agricole du Morbihan's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 125205400000.0% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2024)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | €1.25 Billion | 58.85% |
| Common Stock | €411.55 Million | 19.34% |
| Other Comprehensive Income | €455.51 Million | 21.41% |
| Other Components | €8.45 Million | 0.40% |
| Total Equity | €2.13 Billion | 100.00% |
Caisse Régionale de Crédit Agricole du Morbihan Competitors by Market Cap
The table below lists competitors of Caisse Régionale de Crédit Agricole du Morbihan ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Century Therapeutics Inc
NASDAQ:IPSC
|
$116.36 Million |
|
China Evergrande Group
F:EV1
|
$116.41 Million |
|
Tjk Machinery Tianjin Co Ltd
SHE:300823
|
$116.42 Million |
|
Mold-Tek Packaging Limited
NSE:MOLDTKPAC
|
$116.43 Million |
|
OceanPact Serviços Marítimos S.A
SA:OPCT3
|
$116.33 Million |
|
Zhejiang Wanfeng Chemical Co. Ltd. A
SHG:603172
|
$116.30 Million |
|
Organización Cultiba S.A.B. de C.V
MX:CULTIBAB
|
$116.27 Million |
|
Jyoti Structures Limited
NSE:JYOTISTRUC
|
$116.24 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Caisse Régionale de Crédit Agricole du Morbihan's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2023 to 2024, total equity changed from 1,972,861,000 to 2,127,557,000, a change of 154,696,000 (7.8%).
- Net income of 68,800,000 contributed positively to equity growth.
- Dividend payments of 9,325,000 reduced retained earnings.
- Share repurchases of 9,325,000 reduced equity.
- Other comprehensive income increased equity by 112,683,000.
Equity Change Factors (2023 to 2024)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | €68.80 Million | +3.23% |
| Dividends Paid | €9.32 Million | -0.44% |
| Share Repurchases | €9.32 Million | -0.44% |
| Other Comprehensive Income | €112.68 Million | +5.3% |
| Other Changes | €-8.14 Million | -0.38% |
| Total Change | €- | 7.84% |
Book Value vs Market Value Analysis
This analysis compares Caisse Régionale de Crédit Agricole du Morbihan's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 0.26x
- The company is trading below its book value, potentially indicating the market believes the assets are overvalued on the balance sheet or anticipates future losses.
- The price-to-book ratio has decreased from 1.04x to 0.26x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2004-12-31 | €100.75 | €105.00 | x |
| 2005-12-31 | €145.32 | €105.00 | x |
| 2006-12-31 | €184.50 | €105.00 | x |
| 2007-12-31 | €166.52 | €105.00 | x |
| 2008-12-31 | €118.80 | €105.00 | x |
| 2009-12-31 | €146.03 | €105.00 | x |
| 2010-12-31 | €161.33 | €105.00 | x |
| 2011-12-31 | €174.69 | €105.00 | x |
| 2012-12-31 | €177.60 | €105.00 | x |
| 2013-12-31 | €187.55 | €105.00 | x |
| 2014-12-31 | €200.02 | €105.00 | x |
| 2015-12-31 | €215.21 | €105.00 | x |
| 2016-12-31 | €228.23 | €105.00 | x |
| 2017-12-31 | €243.49 | €105.00 | x |
| 2018-12-31 | €285.69 | €105.00 | x |
| 2019-12-31 | €309.74 | €105.00 | x |
| 2020-12-31 | €315.20 | €105.00 | x |
| 2021-12-31 | €359.13 | €105.00 | x |
| 2022-12-31 | €355.17 | €105.00 | x |
| 2023-12-31 | €376.70 | €105.00 | x |
| 2024-12-31 | €406.80 | €105.00 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Caisse Régionale de Crédit Agricole du Morbihan utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 3.23%
- The company may be facing challenges in efficiently utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 29.52%
- • Asset Turnover: 0.02x
- • Equity Multiplier: 6.43x
- Recent ROE (3.23%) is below the historical average (4.92%), suggesting potential challenges in capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2004 | 8.09% | 12.07% | 0.07x | 10.07x | €-10.07 Million |
| 2005 | 7.50% | 15.37% | 0.06x | 7.94x | €-19.04 Million |
| 2006 | 6.45% | 14.96% | 0.06x | 7.34x | €-34.34 Million |
| 2007 | 6.68% | 12.74% | 0.07x | 7.95x | €-29.00 Million |
| 2008 | 7.92% | 10.73% | 0.06x | 12.14x | €-12.97 Million |
| 2009 | 5.63% | 20.92% | 0.03x | 10.09x | €-33.49 Million |
| 2010 | 7.87% | 26.46% | 0.03x | 9.31x | €-18.04 Million |
| 2011 | 6.20% | 23.82% | 0.03x | 9.14x | €-34.84 Million |
| 2012 | 0.57% | 3.32% | 0.02x | 9.49x | €-89.26 Million |
| 2013 | 4.24% | 19.42% | 0.02x | 9.73x | €-57.24 Million |
| 2014 | 4.23% | 22.76% | 0.02x | 8.64x | €-60.82 Million |
| 2015 | 5.05% | 27.18% | 0.02x | 8.09x | €-55.87 Million |
| 2016 | 3.58% | 21.49% | 0.02x | 7.86x | €-76.59 Million |
| 2017 | 4.18% | 25.48% | 0.02x | 7.61x | €-74.29 Million |
| 2018 | 4.47% | 30.51% | 0.02x | 6.67x | €-82.92 Million |
| 2019 | 3.48% | 26.23% | 0.02x | 6.54x | €-105.94 Million |
| 2020 | 3.16% | 25.61% | 0.02x | 7.10x | €-113.09 Million |
| 2021 | 3.66% | 19.57% | 0.03x | 6.77x | €-119.40 Million |
| 2022 | 4.43% | 20.86% | 0.03x | 7.48x | €-103.54 Million |
| 2023 | 2.62% | 25.09% | 0.02x | 6.80x | €-145.54 Million |
| 2024 | 3.23% | 29.52% | 0.02x | 6.43x | €-143.96 Million |
Industry Comparison
This section compares Caisse Régionale de Crédit Agricole du Morbihan's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $1,662,362,229
- Average return on equity (ROE) among peers: 4.51%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Caisse Régionale de Crédit Agricole du Morbihan (CMO) | €2.23 Billion | 8.09% | 5.20x | $116.36 Million |
| Ca Toulouse 31 CCI (CAT31) | $1.02 Billion | 5.18% | 7.65x | $114.18 Million |
| Caisse Régionale du Crédit Agricole Alpes Provence (CRAP) | $2.44 Billion | 2.82% | 7.11x | $96.55 Million |
| Caisse Regionale de Credit Agricole Mutuel Loire HauteLoire (CRLO) | $2.52 Billion | 3.81% | 4.73x | $97.58 Million |
| Caisse Reg Cred Agric Mut Tourain Poitou (CRTO) | $2.06 Billion | 3.89% | 5.33x | $118.92 Million |
| CFM Indosuez Wealth SA (MLCFM) | $280.37 Million | 6.86% | 16.67x | $228.24 Million |