Yes it is
- own territories : 1/5 between group moral and territory
e.g. group at 75%, territory at 25% -> after refresh group at 65%
- ally territories : 1/10 between group moral and 50%
e.g. group at 75% -> next refresh group at 72.5%
- hostile territories : 1/7 between group moral and 50%
e.g. group at 75% -> next refresh group at 71,43%
add that ennemy group in a territory drop down moral on it, it's double better to do that if you cant go back on a good moral territory that you own