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During the past 12 months, SALAFIN (Groupe BMCE)'s average Book Value per Share Growth Rate was -0.20% per year.
During the past 3 years, the average Book Value per Share Growth Rate was 0.60% per year.
During the past 5 years, the average Book Value per Share Growth Rate was -2.70% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
During the past 13 years, the highest 3-Year average Book Value per Share Growth Rate of SALAFIN (Groupe BMCE) was 10.30% per year. The lowest was -8.70% per year. And the median was -2.20% per year.
SALAFIN (Groupe BMCE) (CAS:SLF) 3-Year Book Growth Rate Explanation
Book Value per Share is the ratio of equity available to common shareholders divided by the shares outstanding. Book value per share effectively indicates a firm's net asset value on a per-share basis. It can be used by investors to gauge whether a stock price is undervalued by comparing it to the firm's market value per share. Theoretically, it is what the shareholders will receive if the company is liquidated.
SALAFIN (Groupe BMCE) 3-Year Book Growth Rate Related Terms
CAS:SLF vs V, MA, AXP: 3-Year Book Growth Rate Comparison
For the Credit Services subindustry, SALAFIN (Groupe BMCE)'s 3-Year Book Growth Rate, along with its competitors' market caps and 3-Year Book Growth Rate 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.
SALAFIN (Groupe BMCE) 3-Year Book Growth Rate vs Credit Services Industry
For the Credit Services industry and Financial Services sector, SALAFIN (Groupe BMCE)'s 3-Year Book Growth Rate distribution charts can be found below:
* The bar in red indicates where SALAFIN (Groupe BMCE)'s 3-Year Book Growth Rate falls into.
SALAFIN (Groupe BMCE) 3-Year Book Growth Rate Calculation
This is the 3-year average growth rate of Book Value per Share. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
What does a 3-Year Book Growth Rate of 0.60% mean?
SALAFIN (Groupe BMCE) (CAS:SLF) has a 3-Year Book Growth Rate of 0.60% as of Dec. 2025. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for SALAFIN (Groupe BMCE) and its competitors. According to the industry distribution chart, SALAFIN (Groupe BMCE) ranks #368 out of 517 companies in the Credit Services industry, placing it in the top 71.2%.
Is SALAFIN (Groupe BMCE)'s 3-Year Book Growth Rate too high?
SALAFIN (Groupe BMCE)'s current 3-Year Book Growth Rate is 0.60%. The Credit Services industry median 3-Year Book Growth Rate is 5.60. SALAFIN (Groupe BMCE)'s value of 0.60% is 89.3% below this industry median. Based on the distribution chart, SALAFIN (Groupe BMCE) ranks #368 out of 517 companies in the Credit Services industry, which is below the industry midpoint. Overall, SALAFIN (Groupe BMCE) has a GF Score™ of 38/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does SALAFIN (Groupe BMCE)'s 3-Year Book Growth Rate compare to V and MA?
According to the Credit Services industry distribution chart, SALAFIN (Groupe BMCE) ranks #368 out of 517 companies for 3-Year Book Growth Rate. This places SALAFIN (Groupe BMCE) in the lower half of its industry. The industry median 3-Year Book Growth Rate is 5.60. SALAFIN (Groupe BMCE)'s value of 0.60% is 89.3% below 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 Book Growth Rate for a Credit Services company?
The median 3-Year Book Growth Rate among Credit Services companies is 5.60, based on 517 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year Book Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year Book Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. SALAFIN (Groupe BMCE)'s current 3-Year Book Growth Rate of 0.60% is 89.3% below 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 Book Growth Rate mean?
A high 3-Year Book Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for SALAFIN (Groupe BMCE) and its competitors. For the Credit Services industry, the median 3-Year Book Growth Rate is 5.60 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. SALAFIN (Groupe BMCE)'s current 3-Year Book Growth Rate is 0.60%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is SALAFIN (Groupe BMCE) stock overvalued right now?
Based on GuruFocus' analysis, SALAFIN (Groupe BMCE) (CAS:SLF) is currently considered Modestly Undervalued. The stock's GF Value™ is MAD577.92, compared to a current price of MAD440.00 — trading 23.9% below its estimated fair value. The current 3-Year Book Growth Rate is 0.60% and 89.3% below the Credit Services industry median of 5.60. SALAFIN (Groupe BMCE)'s overall GF Score™ is 38/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year Book Growth Rate calculated?
3-Year Book Growth Rate is calculated from a company's financial statements. For SALAFIN (Groupe BMCE) (CAS:SLF), the current 3-Year Book Growth Rate is 0.60% as of Dec. 2025. 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 SALAFIN (Groupe BMCE) (CAS:SLF) Overvalued in 2026?
Based on GuruFocus' analysis, SALAFIN (Groupe BMCE) stock appears to be undervalued.
The current stock price of MAD440.00 is trading 23.9% below its estimated GF Value™ of MAD577.92.
GuruFocus considers SALAFIN (Groupe BMCE) to be Modestly Undervalued.
Key valuation signals for CAS:SLF:
3-Year Book Growth Rate: 0.60%
GF Value™: MAD577.92 vs. price of MAD440.00 (23.9% below fair value)
Industry Position: 89.3% below the Credit Services median (#368 of 517)
No single metric tells the full story. See the CAS:SLF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
SALAFIN (Groupe BMCE) is a Morocco-based company. It is a finance company. It offers consumer credit services. The company operates through various business segments that are Personal Credit, which include personal loan, and mortgage credit; Auto Financing, which provides car loans; and Revolving Credit.
38GF Score
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3-Year Book Growth Rate is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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