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Cash to Debt Ratio measures the financial strength of a company. It is calculated as a company's cash, cash equivalents, and marketable securities divide by its debt. SALAFIN (Groupe BMCE)'s cash to debt ratio for the quarter that ended in Dec. 2025 was 0.00.
If Cash to Debt ratio is less than 1, the company cannot pay off its debt using the cash in hand. Here we can see, SALAFIN (Groupe BMCE)couldn't pay off its debt using the cash in hand for the quarter that ended in Dec. 2025.
The historical rank and industry rank for SALAFIN (Groupe BMCE)'s Cash-to-Debt or its related term are showing as below:
CAS:SLF's Cash-to-Debt is not ranked *
in the Credit Services industry.
Industry Median: 0.19 * Ranked among companies with meaningful Cash-to-Debt only.
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. If it is smaller than 1, it means the company has more debt than the cash in hands. In this case, it is important to look the the company's Interest Coverage. Ben Graham requires that a company must have an Interest Coverage of at least 5.
SALAFIN (Groupe BMCE) Cash-to-Debt Related Terms
SALAFIN (Groupe BMCE) Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for SALAFIN (Groupe BMCE)'s Cash-to-Debt can be seen below:
* 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.
Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
For the Credit Services subindustry, SALAFIN (Groupe BMCE)'s Cash-to-Debt, along with its competitors' market caps and Cash-to-Debt 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) Cash-to-Debt vs Credit Services Industry
For the Credit Services industry and Financial Services sector, SALAFIN (Groupe BMCE)'s Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where SALAFIN (Groupe BMCE)'s Cash-to-Debt falls into.
* 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.
SALAFIN (Groupe BMCE) (CAS:SLF) has a Cash-to-Debt of 0.00 as of Dec. 2025. According to the industry distribution chart, SALAFIN (Groupe BMCE) ranks #999999 out of 514 companies in the Credit Services industry.
Is SALAFIN (Groupe BMCE)'s Cash-to-Debt too high?
SALAFIN (Groupe BMCE)'s current Cash-to-Debt is 0.00. Based on the distribution chart, SALAFIN (Groupe BMCE) ranks #999999 out of 514 companies in the Credit Services industry, which is in the bottom quartile relative to peers. 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 Cash-to-Debt compare to V and MA?
According to the Credit Services industry distribution chart, SALAFIN (Groupe BMCE) ranks #999999 out of 514 companies for Cash-to-Debt. This places SALAFIN (Groupe BMCE) in the lower half of its industry. The industry median Cash-to-Debt is 0.19. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cash-to-Debt for a Credit Services company?
The median Cash-to-Debt among Credit Services companies is 0.19, based on 514 companies in the industry. Companies in the top quartile (top 25%) have a Cash-to-Debt significantly above this median, while those in the bottom quartile fall well below. However, Cash-to-Debt 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 Cash-to-Debt mean?
A high Cash-to-Debt can signal that a stock is expensive relative to its fundamentals. For the Credit Services industry, the median Cash-to-Debt is 0.19 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. SALAFIN (Groupe BMCE)'s current Cash-to-Debt is 0.00. 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 MAD577.91, compared to a current price of MAD440.00 — trading 23.9% below its estimated fair value. The current Cash-to-Debt is 0.00. 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 Cash-to-Debt calculated?
Cash-to-Debt is calculated from a company's financial statements. For SALAFIN (Groupe BMCE) (CAS:SLF), the current Cash-to-Debt is 0.00 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 MAD577.91.
GuruFocus considers SALAFIN (Groupe BMCE) to be Modestly Undervalued.
Key valuation signals for CAS:SLF:
Cash-to-Debt: 0.00
GF Value™: MAD577.91 vs. price of MAD440.00 (23.9% below fair value)
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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