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SALAFIN (Groupe BMCE)CAS:SLF +0.01%30 3-Year FCF Growth Rate is 4.20% as of Dec. 2025, which is at its 10-year median of 4.20. GuruFocus rates CAS:SLF with a GF Score™ of 30/100 and a GF Value™ of MAD577.67 (Modestly Undervalued). The stock has 1 warning sign investors should review. Among 312 Credit Services companies, SALAFIN (Groupe BMCE) ranks better than 52.24% on this metric.
During the past 3 years, the average Free Cash Flow per Share Growth Rate was 4.20% 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 Free Cash Flow per Share growth rate.
During the past 13 years, the highest 3-Year average Free Cash Flow per Share Growth Rate of SALAFIN (Groupe BMCE) was 14.00% per year. The lowest was -39.40% per year. And the median was 4.20% per year.
Free Cash Flow per Share is the amount of Free Cash Flow per outstanding share of the company's stock. Free Cash Flow is considered one of the most important parameters to measure a company's earnings power by value investors because it is not subject to estimates of Depreciation, Depletion and Amortization (DDA). However, when we look at the Free Cash Flow, we should look from a long term perspective, because any year's Free Cash Flow can be drastically affected by the spending on Property, Plant, & Equipment (PPE) of the business in that year. Over the long term, Free Cash Flow should give pretty good picture on the real earnings power of the company. It's used in the calculation of Forward Rate of Return (Yacktman) %.
SALAFIN (Groupe BMCE) 3-Year FCF Growth Rate Related Terms
CAS:SLF vs V, MA, AXP: 3-Year FCF Growth Rate Comparison
For the Credit Services subindustry, SALAFIN (Groupe BMCE)'s 3-Year FCF Growth Rate, along with its competitors' market caps and 3-Year FCF 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 FCF Growth Rate vs Credit Services Industry
For the Credit Services industry and Financial Services sector, SALAFIN (Groupe BMCE)'s 3-Year FCF Growth Rate distribution charts can be found below:
* The bar in red indicates where SALAFIN (Groupe BMCE)'s 3-Year FCF Growth Rate falls into.
This is the 3-year average growth rate of Free Cash Flow 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 Free Cash Flow per Share growth rate.
SALAFIN (Groupe BMCE) (CAS:SLF) has a 3-Year FCF Growth Rate of 4.20% as of Dec. 2025. 3-Year FCF Growth Rate is the 3-year average growth rate of Free Cash Flow per Share. View historical data for SALAFIN (Groupe BMCE) and its competitors. This is near median its historical median of 4.20. According to the industry distribution chart, SALAFIN (Groupe BMCE) ranks #149 out of 312 companies in the Credit Services industry, placing it in the top 47.8%.
Is SALAFIN (Groupe BMCE)'s 3-Year FCF Growth Rate too high?
SALAFIN (Groupe BMCE)'s current 3-Year FCF Growth Rate of 4.20% is near median its 10-year median of 4.20. The Credit Services industry median 3-Year FCF Growth Rate is 1.70. SALAFIN (Groupe BMCE)'s value of 4.20% is 147.1% above this industry median. Based on the distribution chart, SALAFIN (Groupe BMCE) ranks #149 out of 312 companies in the Credit Services industry, which is above the industry midpoint. Overall, SALAFIN (Groupe BMCE) has a GF Score™ of 30/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does SALAFIN (Groupe BMCE)'s 3-Year FCF Growth Rate compare to V and MA?
According to the Credit Services industry distribution chart, SALAFIN (Groupe BMCE) ranks #149 out of 312 companies for 3-Year FCF Growth Rate. This puts SALAFIN (Groupe BMCE) in the upper half of its industry. The industry median 3-Year FCF Growth Rate is 1.70. SALAFIN (Groupe BMCE)'s value of 4.20% is 147.1% above this benchmark. While the company's 10-year median is 4.20 vs. the industry median of 1.70, SALAFIN (Groupe BMCE) has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year FCF Growth Rate for a Credit Services company?
The median 3-Year FCF Growth Rate among Credit Services companies is 1.70, based on 312 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year FCF Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year FCF 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 FCF Growth Rate of 4.20% is 147.1% above 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 FCF Growth Rate mean?
A high 3-Year FCF Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year FCF Growth Rate is the 3-year average growth rate of Free Cash Flow per Share. View historical data for SALAFIN (Groupe BMCE) and its competitors. For the Credit Services industry, the median 3-Year FCF Growth Rate is 1.70 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. SALAFIN (Groupe BMCE)'s current 3-Year FCF Growth Rate is 4.20%, which is near median its own 10-year median of 4.20. 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 MAD577.67, compared to a current price of MAD449.00 — trading 22.3% below its estimated fair value. The current 3-Year FCF Growth Rate is 4.20%, which is near median its 10-year median of 4.20 and 147.1% above the Credit Services industry median of 1.70. SALAFIN (Groupe BMCE)'s overall GF Score™ is 30/100 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 FCF Growth Rate calculated?
3-Year FCF Growth Rate is calculated from a company's financial statements. For SALAFIN (Groupe BMCE) (CAS:SLF), the current 3-Year FCF Growth Rate is 4.20% 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 MAD449.00 is trading 22.3% below its estimated GF Value™ of MAD577.67.
GuruFocus considers SALAFIN (Groupe BMCE) to be Modestly Undervalued.
Key valuation signals for CAS:SLF:
3-Year FCF Growth Rate: 4.20% (near median its 10-year median of 4.20)
GF Value™: MAD577.67 vs. price of MAD449.00 (22.3% below fair value)
Industry Position: 147.1% above the Credit Services median (#149 of 312)
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.
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