Obermatt

Banque Populaire

CAS:BCP · MA0000011884
BanksMedium

360

8
Medium confidence — indicative
Profit price45
Cash yield43
Price/Sales59
Price/Book40
Returns on capital43
Profit margins
Cash Conversion93
Accruals94
Owner Earnings Margin14
Sales growth6
Profit Growth25
Owner Earnings Growth52
Reinvestment53
Price momentum17
Debt load94
Debt serviceability80
Liquidity23
Analyst ratings43
Opinion Changes50
Price Target Upside45
Market mood49
Value Creation13/20creating some value
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

Banque Populaire clears its cost of capital, but the record is mixed across the five tests. Real value creation, just not yet consistent.

Based on 3/5 components.

Profile

CountryMorocco
IndustryBanks
SizeMedium
TypePublic Company
ExchangeCBSE
Employees3,506
ISINMA0000011884
Last UpdateApr 2, 2026
Index & Theme
BankingFinanceFinancial Services

Description

Banque Centrale Populaire provides banking and financial products and services. Loans The company offers a range of loan products to cater to the financing needs of individuals and businesses. Personal Loans: The company provides personal loans t…

Analysis

Middle-of-the-road

Banque Centrale Populaire sits in the middle of our grid: average quality, average price, no obvious signal in either direction.

On valuation, the picture is attractive. The owner-earnings multiple stands at 12.2×; owner earnings: the cash an owner could take out each year.

Growth is tepid; the safety picture is fragile. The company scores 13/20 on our value-creation score: creating some value.

No flags apply to this company at this time: accounts, balance sheet, and cash quality all pass. A clean bill of health is meaningful, not just the absence of a warning. This analysis describes numbers; it is not investment advice.

360° rank · history

1007550250
17
2023202420252026

All-time high

74

Jan 2023

All-time low

8

Jan 2025

Average rank

33

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
59
50
50
36
Price/Earnings
29
15
17
21
Price/Book
40
28
36
32
Dividend Yield
43
44
43
50
Value (overall)
38
29
35
33

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →