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During the past 12 months, SALAFIN (Groupe BMCE)'s average EPS without NRI Growth Rate was 2.60% per year.
During the past 3 years, the average EPS without NRI Growth Rate was 4.90% 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 EPS without NRI growth rate.
During the past 13 years, the highest 3-Year average EPS without NRI Growth Rate of SALAFIN (Groupe BMCE) was 5.80% per year. The lowest was -14.00% per year. And the median was -8.80% per year.
EPS without NRI is the amount of earnings without non-recurring items per outstanding share of the company's stock.
Earnings Per Share (EPS) is the single most important variable used by Wall Street in determining the earnings power of a company. But investors need to be aware that Earnings per Share can be easily manipulated by adjusting depreciation and amortization rate or non-recurring items. That's why GuruFocus lists Earnings per share without Non-Recurring Items, which better reflects the company's underlying performance.
SALAFIN (Groupe BMCE) 3-Year EPS without NRI Growth Rate Related Terms
CAS:SLF vs V, MA, AXP: 3-Year EPS without NRI Growth Rate Comparison
For the Credit Services subindustry, SALAFIN (Groupe BMCE)'s 3-Year EPS without NRI Growth Rate, along with its competitors' market caps and 3-Year EPS without NRI 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 EPS without NRI Growth Rate vs Credit Services Industry
For the Credit Services industry and Financial Services sector, SALAFIN (Groupe BMCE)'s 3-Year EPS without NRI Growth Rate distribution charts can be found below:
* The bar in red indicates where SALAFIN (Groupe BMCE)'s 3-Year EPS without NRI Growth Rate falls into.
SALAFIN (Groupe BMCE) 3-Year EPS without NRI Growth Rate Calculation
This is the 3-year average growth rate of EPS without NRI. 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 EPS without NRI growth rate.
What does a 3-Year EPS without NRI Growth Rate of 4.90% mean?
SALAFIN (Groupe BMCE) (CAS:SLF) has a 3-Year EPS without NRI Growth Rate of 4.90% as of Dec. 2025. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for SALAFIN (Groupe BMCE) and its competitors. According to the industry distribution chart, SALAFIN (Groupe BMCE) ranks #262 out of 433 companies in the Credit Services industry, placing it in the top 60.5%.
Is SALAFIN (Groupe BMCE)'s 3-Year EPS without NRI Growth Rate too high?
SALAFIN (Groupe BMCE)'s current 3-Year EPS without NRI Growth Rate is 4.90%. The Credit Services industry median 3-Year EPS without NRI Growth Rate is 11.40. SALAFIN (Groupe BMCE)'s value of 4.90% is 57% below this industry median. Based on the distribution chart, SALAFIN (Groupe BMCE) ranks #262 out of 433 companies in the Credit Services industry, which is below the industry midpoint. Overall, SALAFIN (Groupe BMCE) has a GF Score™ of 34/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does SALAFIN (Groupe BMCE)'s 3-Year EPS without NRI Growth Rate compare to V and MA?
According to the Credit Services industry distribution chart, SALAFIN (Groupe BMCE) ranks #262 out of 433 companies for 3-Year EPS without NRI Growth Rate. This places SALAFIN (Groupe BMCE) in the lower half of its industry. The industry median 3-Year EPS without NRI Growth Rate is 11.40. SALAFIN (Groupe BMCE)'s value of 4.90% is 57% 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 EPS without NRI Growth Rate for a Credit Services company?
The median 3-Year EPS without NRI Growth Rate among Credit Services companies is 11.40, based on 433 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year EPS without NRI Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year EPS without NRI 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 EPS without NRI Growth Rate of 4.90% is 57% 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 EPS without NRI Growth Rate mean?
A high 3-Year EPS without NRI Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for SALAFIN (Groupe BMCE) and its competitors. For the Credit Services industry, the median 3-Year EPS without NRI Growth Rate is 11.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. SALAFIN (Groupe BMCE)'s current 3-Year EPS without NRI Growth Rate is 4.90%. 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 MAD577.96, compared to a current price of MAD445.00 — trading 23% below its estimated fair value. The current 3-Year EPS without NRI Growth Rate is 4.90% and 57% below the Credit Services industry median of 11.40. SALAFIN (Groupe BMCE)'s overall GF Score™ is 34/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year EPS without NRI Growth Rate calculated?
3-Year EPS without NRI Growth Rate is calculated from a company's financial statements. For SALAFIN (Groupe BMCE) (CAS:SLF), the current 3-Year EPS without NRI Growth Rate is 4.90% 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 MAD445.00 is trading 23% below its estimated GF Value™ of MAD577.96.
GuruFocus considers SALAFIN (Groupe BMCE) to be Modestly Undervalued.
Key valuation signals for CAS:SLF:
3-Year EPS without NRI Growth Rate: 4.90%
GF Value™: MAD577.96 vs. price of MAD445.00 (23% below fair value)
Industry Position: 57% below the Credit Services median (#262 of 433)
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.
34GF Score
Get the complete analysis for CAS:SLF
3-Year EPS without NRI Growth Rate is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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