SALAFIN (Groupe BMCE)CAS:SLF -1.83%45 Debt-to-Equity is 1.81 as of Dec. 2025, which is 5% below its 10-year median of 1.90. GuruFocus rates CAS:SLF with a GF Score™ of 45/100 and a GF Value™ of MAD578.21 (Modestly Undervalued). The stock has 2 warning signs investors should review. Among 453 Credit Services companies, SALAFIN (Groupe BMCE) ranks worse than 58.94% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for SALAFIN (Groupe BMCE)'s Debt-to-Equity or its related term are showing as below:
CAS:SLF'
s Debt-to-Equity Range Over the Past 10 Years
Min: 1.54 Med: 1.9 Max: 2.22
Current: 1.81
During the past 13 years, the highest Debt-to-Equity Ratio of SALAFIN (Groupe BMCE) was 2.22. The lowest was 1.54. And the median was 1.90.
CAS:SLF's Debt-to-Equity is ranked worse than 58.94% of 453
companies
in the Credit Services industry
Industry Median: 1.23
vs CAS:SLF: 1.81
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
SALAFIN (Groupe BMCE) Debt-to-Equity Related Terms
SALAFIN (Groupe BMCE) Debt-to-Equity Historical Data
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The historical data trend for SALAFIN (Groupe BMCE)'s Debt-to-Equity 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.
For the Credit Services subindustry, SALAFIN (Groupe BMCE)'s Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity 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) Debt-to-Equity vs Credit Services Industry
For the Credit Services industry and Financial Services sector, SALAFIN (Groupe BMCE)'s Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where SALAFIN (Groupe BMCE)'s Debt-to-Equity 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 Debt-to-Equity of 1.81 as of Dec. 2025. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on SALAFIN (Groupe BMCE) and its competitors. This is near median its historical median of 1.90. Over the past decade, SALAFIN (Groupe BMCE)'s Debt-to-Equity has ranged from 1.54 to 2.22. According to the industry distribution chart, SALAFIN (Groupe BMCE) ranks #267 out of 453 companies in the Credit Services industry, placing it in the top 58.9%.
Is SALAFIN (Groupe BMCE)'s Debt-to-Equity too high?
SALAFIN (Groupe BMCE)'s current Debt-to-Equity of 1.81 is near median its 10-year median of 1.90. Over the past 10 years, this metric has ranged from a low of 1.54 to a high of 2.22. The Credit Services industry median Debt-to-Equity is 1.23. SALAFIN (Groupe BMCE)'s value of 1.81 is 47.2% above this industry median. Based on the distribution chart, SALAFIN (Groupe BMCE) ranks #267 out of 453 companies in the Credit Services industry, which is below the industry midpoint. Overall, SALAFIN (Groupe BMCE) has a GF Score™ of 45/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does SALAFIN (Groupe BMCE)'s Debt-to-Equity compare to V and MA?
According to the Credit Services industry distribution chart, SALAFIN (Groupe BMCE) ranks #267 out of 453 companies for Debt-to-Equity. This places SALAFIN (Groupe BMCE) in the lower half of its industry. The industry median Debt-to-Equity is 1.23. SALAFIN (Groupe BMCE)'s value of 1.81 is 47.2% above this benchmark. Historically, SALAFIN (Groupe BMCE)'s own Debt-to-Equity has ranged from 1.54 to 2.22 over the past decade. While the company's 10-year median is 1.90 vs. the industry median of 1.23, 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 Debt-to-Equity for a Credit Services company?
The median Debt-to-Equity among Credit Services companies is 1.23, based on 453 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. SALAFIN (Groupe BMCE)'s current Debt-to-Equity of 1.81 is 47.2% 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 Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on SALAFIN (Groupe BMCE) and its competitors. For the Credit Services industry, the median Debt-to-Equity is 1.23 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. SALAFIN (Groupe BMCE)'s current Debt-to-Equity is 1.81, which is near median its own 10-year median of 1.90. 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 MAD578.21, compared to a current price of MAD423.00 — trading 26.8% below its estimated fair value. The current Debt-to-Equity is 1.81, which is near median its 10-year median of 1.90 and 47.2% above the Credit Services industry median of 1.23. SALAFIN (Groupe BMCE)'s overall GF Score™ is 45/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For SALAFIN (Groupe BMCE) (CAS:SLF), the current Debt-to-Equity is 1.81 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 MAD423.00 is trading 26.8% below its estimated GF Value™ of MAD578.21.
GuruFocus considers SALAFIN (Groupe BMCE) to be Modestly Undervalued.
Key valuation signals for CAS:SLF:
Debt-to-Equity: 1.81 (near median its 10-year median of 1.90)
GF Value™: MAD578.21 vs. price of MAD423.00 (26.8% below fair value)
Industry Position: 47.2% above the Credit Services median (#267 of 453)
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.
45GF Score
Get the complete analysis for CAS:SLF
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