SALAFIN (Groupe BMCE) (CAS:SLF) Effective Interest Rate on Debt %: 48.96% (As of Dec. 2025)


CAS:SLF SALAFIN (Groupe BMCE) CAS:SLF
45 GF Score
Price MAD430.00
GF Value MAD578.30
Valuation Modestly Undervalued
! 2 Warning Signs
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What is SALAFIN (Groupe BMCE) Effective Interest Rate on Debt %?

SALAFIN (Groupe BMCE) CAS:SLF -0.92% 45 Effective Interest Rate on Debt % is 48.96% as of Dec. 2025. GuruFocus rates CAS:SLF with a GF Score™ of 45/100 and a GF Value™ of MAD578.30 (Modestly Undervalued). The stock has 2 warning signs investors should review.

Effective Interest Rate on Debt % is the usage rate that a borrower actually pays on a debt. It is calculated as the positive value of Interest Expense divided by its average total debt. Total debt equals to Long-Term Debt & Capital Lease Obligation plus Short-Term Debt & Capital Lease Obligation. SALAFIN (Groupe BMCE)'s annualized positive value of Interest Expense for the quarter that ended in Dec. 2025 was MAD779.2 Mil. SALAFIN (Groupe BMCE)'s average total debt for the quarter that ended in Dec. 2025 was MAD1,591.4 Mil. Therefore, SALAFIN (Groupe BMCE)'s annualized Effective Interest Rate on Debt % for the quarter that ended in Dec. 2025 was 48.96%.

SALAFIN (Groupe BMCE)  (CAS:SLF) Effective Interest Rate on Debt % Explanation

Effective Interest Rate on Debt % measures the usage rate that a borrower actually pays on a debt.

SALAFIN (Groupe BMCE) Effective Interest Rate on Debt % Related Terms

SALAFIN (Groupe BMCE) Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for SALAFIN (Groupe BMCE)'s Effective Interest Rate on Debt % 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.

SALAFIN (Groupe BMCE) Effective Interest Rate on Debt % Chart

SALAFIN (Groupe BMCE) Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Effective Interest Rate on Debt %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 3.95 25.59 28.68 30.28 28.86

SALAFIN (Groupe BMCE) Semi-Annual Data
Jun16 Dec16 Jun17 Dec17 Jun18 Dec18 Jun19 Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25
Effective Interest Rate on Debt % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 53.20 4.80 61.16 4.21 48.96

CAS:SLF vs V, MA, AXP: Effective Interest Rate on Debt % Comparison

For the Credit Services subindustry, SALAFIN (Groupe BMCE)'s Effective Interest Rate on Debt %, along with its competitors' market caps and Effective Interest Rate on Debt % 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) Effective Interest Rate on Debt % vs Credit Services Industry

For the Credit Services industry and Financial Services sector, SALAFIN (Groupe BMCE)'s Effective Interest Rate on Debt % distribution charts can be found below:

* The bar in red indicates where SALAFIN (Groupe BMCE)'s Effective Interest Rate on Debt % falls into.


CAS:SLF
45GF Score
SALAFIN (Groupe BMCE) CAS:SLF
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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SALAFIN (Groupe BMCE) Effective Interest Rate on Debt % Calculation

SALAFIN (Groupe BMCE)'s annualized Effective Interest Rate on Debt % for the fiscal year that ended in Dec. 2025 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (A: Dec. 2024 )+Total Debt  (A: Dec. 2025 ))/ count )
=-1  *  -420.51/( (1334.375+1580.056)/ 2 )
=-1  *  -420.51/1457.2155
=28.86 %

where

Total Debt  (A: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=1334.375 + 0
=1334.375

Total Debt  (A: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=1580.056 + 0
=1580.056

SALAFIN (Groupe BMCE)'s annualized Effective Interest Rate on Debt % for the quarter that ended in Dec. 2025 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (Q: Jun. 2025 )+Total Debt  (Q: Dec. 2025 ))/ count )
=-1  *  -779.226/( (1602.823+1580.056)/ 2 )
=-1  *  -779.226/1591.4395
=48.96 %

where

Total Debt  (Q: Jun. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=1602.823 + 0
=1602.823

Total Debt  (Q: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=1580.056 + 0
=1580.056

* 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.

In the calculation of annual Effective Interest Rate on Debt %, the Interest Expense of the last fiscal year and the average total debt over the fiscal year are used. In calculating the quarterly data, the Interest Expense data used here is two times the semi-annual (Dec. 2025) interest expense data. Effective Interest Rate on Debt % is displayed in the 30-year financial page.

What does a Effective Interest Rate on Debt % of 48.96% mean?
SALAFIN (Groupe BMCE) (CAS:SLF) has a Effective Interest Rate on Debt % of 48.96% as of Dec. 2025. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on SALAFIN (Groupe BMCE) and its competitors.
Is SALAFIN (Groupe BMCE)'s Effective Interest Rate on Debt % too high?
SALAFIN (Groupe BMCE)'s current Effective Interest Rate on Debt % is 48.96%. 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 Effective Interest Rate on Debt % compare to V and MA?
SALAFIN (Groupe BMCE)'s Effective Interest Rate on Debt % of 48.96% can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Effective Interest Rate on Debt % for a Credit Services company?
A good Effective Interest Rate on Debt % depends on the Credit Services industry context. However, Effective Interest Rate on Debt % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Effective Interest Rate on Debt % mean?
A high Effective Interest Rate on Debt % can signal that a stock is expensive relative to its fundamentals. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on SALAFIN (Groupe BMCE) and its competitors. SALAFIN (Groupe BMCE)'s current Effective Interest Rate on Debt % is 48.96%. 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 MAD578.30, compared to a current price of MAD430.00 — trading 25.6% below its estimated fair value. The current Effective Interest Rate on Debt % is 48.96%. 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 Effective Interest Rate on Debt % calculated?
Effective Interest Rate on Debt % is calculated from a company's financial statements. For SALAFIN (Groupe BMCE) (CAS:SLF), the current Effective Interest Rate on Debt % is 48.96% 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 MAD430.00 is trading 25.6% below its estimated GF Value™ of MAD578.30. GuruFocus considers SALAFIN (Groupe BMCE) to be Modestly Undervalued.

Key valuation signals for CAS:SLF:

  • Effective Interest Rate on Debt %: 48.96%
  • GF Value™: MAD578.30 vs. price of MAD430.00 (25.6% below fair value)
  • GF Score™: 45/100 with 2 warning signs

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) Business Description

Address Immeuble Zenith Millenium 8, Sidi Maarouf, Casablanca, MAR
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

Effective Interest Rate on Debt % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

MAD430.00
Price
MAD578.30
GF Value