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AFMACAS:AFM 88 3-Year EBITDA Growth Rate is 6.00% as of Dec. 2025, which is 14% below its 10-year median of 6.95. GuruFocus rates CAS:AFM with a GF Score™ of 88/100 and a GF Value™ of MAD1,581.70 (Modestly Undervalued). The stock has 4 warning signs investors should review. Among 288 Insurance companies, AFMA ranks worse than 70.14% on this metric.
During the past 12 months, AFMA's average EBITDA Per Share Growth Rate was 0.50% per year.
During the past 3 years, the average EBITDA Per Share Growth Rate was 6.00% per year.
During the past 5 years, the average EBITDA Per Share Growth Rate was 8.90% per year.
During the past 10 years, the average EBITDA Per Share Growth Rate was 5.40% 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 EBITDA per share growth rate.
During the past 11 years, the highest 3-Year average EBITDA Per Share Growth Rate of AFMA was 11.30% per year. The lowest was -1.90% per year. And the median was 6.95% per year.
EBITDA per Share is the amount of Earnings Before Interest, Taxes, Depreciation, and Amortization (EBITDA) per outstanding share of the company's stock.
Earnings Before Interest, Taxes, Depreciation, and Amortization (EBITDA) is what the company earns before it expenses interest, taxes, depreciation and amortization.
AFMA 3-Year EBITDA Growth Rate Related Terms
CAS:AFM vs MRSH, AON, AJG: 3-Year EBITDA Growth Rate Comparison
For the Insurance Brokers subindustry, AFMA's 3-Year EBITDA Growth Rate, along with its competitors' market caps and 3-Year EBITDA 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 EBITDA Growth Rate vs Insurance Industry
For the Insurance industry and Financial Services sector, AFMA's 3-Year EBITDA Growth Rate distribution charts can be found below:
* The bar in red indicates where AFMA's 3-Year EBITDA Growth Rate falls into.
This is the 3-year average growth rate of EBITDA 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 EBITDA per share growth rate.
What does a 3-Year EBITDA Growth Rate of 6.00% mean?
AFMA (CAS:AFM) has a 3-Year EBITDA Growth Rate of 6.00% as of Dec. 2025. 3-Year EBITDA Growth Rate is the 3-year average growth rate of EBITDA per share. View historical data for AFMA and its competitors. This is 14% below median its historical median of 6.95. According to the industry distribution chart, AFMA ranks #202 out of 288 companies in the Insurance industry, placing it in the top 70.1%.
Is AFMA's 3-Year EBITDA Growth Rate too high?
AFMA's current 3-Year EBITDA Growth Rate of 6.00% is 14% below median its 10-year median of 6.95. The Insurance industry median 3-Year EBITDA Growth Rate is 17.35. AFMA's value of 6.00% is 65.4% below this industry median. Based on the distribution chart, AFMA ranks #202 out of 288 companies in the Insurance industry, which is below the industry midpoint. Overall, AFMA has a GF Score™ of 88/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does AFMA's 3-Year EBITDA Growth Rate compare to MRSH and AON?
According to the Insurance industry distribution chart, AFMA ranks #202 out of 288 companies for 3-Year EBITDA Growth Rate. This places AFMA in the lower half of its industry. The industry median 3-Year EBITDA Growth Rate is 17.35. AFMA's value of 6.00% is 65.4% below this benchmark. While the company's 10-year median is 6.95 vs. the industry median of 17.35, 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 EBITDA Growth Rate for an Insurance company?
The median 3-Year EBITDA Growth Rate among Insurance companies is 17.35, based on 288 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year EBITDA Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year EBITDA Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. AFMA's current 3-Year EBITDA Growth Rate of 6.00% is 65.4% 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 EBITDA Growth Rate mean?
A high 3-Year EBITDA Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year EBITDA Growth Rate is the 3-year average growth rate of EBITDA per share. View historical data for AFMA and its competitors. For the Insurance industry, the median 3-Year EBITDA Growth Rate is 17.35 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. AFMA's current 3-Year EBITDA Growth Rate is 6.00%, which is 14% below median its own 10-year median of 6.95. 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 MAD1,581.70, compared to a current price of MAD1,231.00 — trading 22.2% below its estimated fair value. The current 3-Year EBITDA Growth Rate is 6.00%, which is 14% below median its 10-year median of 6.95 and 65.4% below the Insurance industry median of 17.35. AFMA's overall GF Score™ is 88/100 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 EBITDA Growth Rate calculated?
3-Year EBITDA Growth Rate is calculated from a company's financial statements. For AFMA (CAS:AFM), the current 3-Year EBITDA Growth Rate is 6.00% 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 AFMA (CAS:AFM) Overvalued in 2026?
Based on GuruFocus' analysis, AFMA stock appears to be undervalued.
The current stock price of MAD1,231.00 is trading 22.2% below its estimated GF Value™ of MAD1,581.70.
GuruFocus considers AFMA to be Modestly Undervalued.
Key valuation signals for CAS:AFM:
3-Year EBITDA Growth Rate: 6.00% (14% below median its 10-year median of 6.95)
GF Value™: MAD1,581.70 vs. price of MAD1,231.00 (22.2% below fair value)
Industry Position: 65.4% below the Insurance median (#202 of 288)
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.
88GF Score
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