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AFMACAS:AFM 90 3-Year Dividend Growth Rate is 3.60% as of Dec. 2025, which is 414% above its 10-year median of 0.70. GuruFocus rates CAS:AFM with a GF Score™ of 90/100 and a GF Value™ of MAD1,591.67 (Modestly Undervalued). The stock has 4 warning signs investors should review. Among 274 Insurance companies, AFMA ranks worse than 71.53% on this metric.
The historical rank and industry rank for AFMA's 3-Year Dividend Growth Rate or its related term are showing as below:
CAS:AFM'
s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: -6.2 Med: 0.7 Max: 5.4
Current: 3.6
During the past 12 years, the highest 3-Year average Dividends Per Share Growth Rate of AFMA was 5.40% per year. The lowest was -6.20% per year. And the median was 0.70% per year.
CAS:AFM's 3-Year Dividend Growth Rate is ranked worse than 71.53% of 274
companies
in the Insurance industry
Industry Median: 9.6
vs CAS:AFM: 3.60
During the past 12 months, AFMA's average Dividends Per Share Growth Rate was 9.10% per year.
During the past 3 years, the average Dividends Per Share Growth Rate was 3.60% per year.
During the past 5 years, the average Dividends Per Share Growth Rate was 4.10% 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 dividends per share growth rate.
During the past 12 years, the highest Dividend Payout Ratio of AFMA was 1.10. The lowest was 0.70. And the median was 0.88.
2. Dividend Yield % measures how much a company pays out in dividends each year relative to its share price.
AFMA Recent Full-Year* Dividend History
Amount
Ex-date
Record Date
Pay Date
Type
Frequency
Forex Rate
MAD 60.000000
2025-09-08
2025-09-04
2025-09-17
Cash Dividend
annually
MAD:MAD 1.000000
* GuruFocus has an internal rule that if the most recent dividend payment frequency is at least 4 times a year, then the full year will be calculated according to the frequency of payment or the one-year time frame, whichever is stricter.
* GuruFocus converts dividend currency to local traded share price currency in order to calculate dividend yield. Please refer to the last column "Forex Rate" in the above table.
AFMA's Dividend Yield (%) for Today is calculated as
Current Share Price is MAD1261.00.
AFMA's Dividends per Share for the trailing twelve months (TTM) ended in Today is MAD60.
During the past 12 years, the highest Dividend Yield of AFMA was 6.46%. The lowest was 3.16%. And the median was 4.56%.
* 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.
AFMA 3-Year Dividend Growth Rate Related Terms>
CAS:AFM vs MRSH, AON, AJG: 3-Year Dividend Growth Rate Comparison
For the Insurance Brokers subindustry, AFMA's 3-Year Dividend Growth Rate, along with its competitors' market caps and 3-Year Dividend 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.
AFMA 3-Year Dividend Growth Rate vs Insurance Industry
For the Insurance industry and Financial Services sector, AFMA's 3-Year Dividend Growth Rate distribution charts can be found below:
* The bar in red indicates where AFMA's 3-Year Dividend Growth Rate falls into.
This is the average annual rate that a company has been raising its dividends. The growth rate is calculated with expontential compound 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 dividends per share growth rate.
What does a 3-Year Dividend Growth Rate of 3.60% mean?
AFMA (CAS:AFM) has a 3-Year Dividend Growth Rate of 3.60% as of Dec. 2025. 3-Year Dividend Growth Rate is the company's three-year average growth of dividend payout. View historical data on AFMA and its competitors. This is 414% above median its historical median of 0.70. According to the industry distribution chart, AFMA ranks #196 out of 274 companies in the Insurance industry, placing it in the top 71.5%.
Is AFMA's 3-Year Dividend Growth Rate too high?
AFMA's current 3-Year Dividend Growth Rate of 3.60% is 414% above median its 10-year median of 0.70. The Insurance industry median 3-Year Dividend Growth Rate is 9.60. AFMA's value of 3.60% is 62.5% below this industry median. Based on the distribution chart, AFMA ranks #196 out of 274 companies in the Insurance industry, which is below the industry midpoint. Overall, AFMA has a GF Score™ of 90/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does AFMA's 3-Year Dividend Growth Rate compare to MRSH and AON?
According to the Insurance industry distribution chart, AFMA ranks #196 out of 274 companies for 3-Year Dividend Growth Rate. This places AFMA in the lower half of its industry. The industry median 3-Year Dividend Growth Rate is 9.60. AFMA's value of 3.60% is 62.5% below this benchmark. While the company's 10-year median is 0.70 vs. the industry median of 9.60, AFMA has consistently been below 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 Dividend Growth Rate for an Insurance company?
The median 3-Year Dividend Growth Rate among Insurance companies is 9.60, based on 274 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year Dividend Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year Dividend Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. AFMA's current 3-Year Dividend Growth Rate of 3.60% is 62.5% 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 Dividend Growth Rate mean?
A high 3-Year Dividend Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year Dividend Growth Rate is the company's three-year average growth of dividend payout. View historical data on AFMA and its competitors. For the Insurance industry, the median 3-Year Dividend Growth Rate is 9.60 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. AFMA's current 3-Year Dividend Growth Rate is 3.60%, which is 414% above median its own 10-year median of 0.70. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is AFMA stock overvalued right now?
Based on GuruFocus' analysis, AFMA (CAS:AFM) is currently considered Modestly Undervalued. The stock's GF Value™ is MAD1,591.67, compared to a current price of MAD1,261.00 — trading 20.8% below its estimated fair value. The current 3-Year Dividend Growth Rate is 3.60%, which is 414% above median its 10-year median of 0.70 and 62.5% below the Insurance industry median of 9.60. AFMA's overall GF Score™ is 90/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year Dividend Growth Rate calculated?
3-Year Dividend Growth Rate is calculated from a company's financial statements. For AFMA (CAS:AFM), the current 3-Year Dividend Growth Rate is 3.60% 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 AFMA (CAS:AFM) Overvalued in 2026?
Based on GuruFocus' analysis, AFMA stock appears to be undervalued.
The current stock price of MAD1,261.00 is trading 20.8% below its estimated GF Value™ of MAD1,591.67.
GuruFocus considers AFMA to be Modestly Undervalued.
Key valuation signals for CAS:AFM:
3-Year Dividend Growth Rate: 3.60% (414% above median its 10-year median of 0.70)
GF Value™: MAD1,591.67 vs. price of MAD1,261.00 (20.8% below fair value)
Industry Position: 62.5% below the Insurance median (#196 of 274)
No single metric tells the full story. See the CAS:AFM stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
AFMA SA provides insurance brokerage services in Morocco. It offers insurance products including Damage Insurance, Insurance Operating Losses, Civil Responsibilities, Car insurance, Transport Insurance, Construction-Related Insurance, Insurance of Persons and Credit insurance. It provides insurance services to both individuals and corporate clients.
90GF Score
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3-Year Dividend Growth Rate is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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