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SALAFIN (Groupe BMCE)CAS:SLF 34 EV-to-OCF is 12.57 as of Aug. 09, 2026, which is 35% below its 10-year median of 19.20. GuruFocus rates CAS:SLF with a GF Score™ of 34/100 and a GF Value™ of MAD577.94 (Modestly Undervalued). The stock has 1 warning sign investors should review. Among 545 Credit Services companies, SALAFIN (Groupe BMCE) ranks worse than 74.5% on this metric.
EV-to-OCF is calculated as enterprise value divided by its cash flow from operations. As of today, SALAFIN (Groupe BMCE)'s Enterprise Value is MAD2,970.2 Mil.
SALAFIN (Groupe BMCE)'s Cash Flow from Operations for the trailing twelve months (TTM) ended in Dec. 2025 was MAD236.3 Mil. Therefore, SALAFIN (Groupe BMCE)'s EV-to-OCF for today is 12.57.
The historical rank and industry rank for SALAFIN (Groupe BMCE)'s EV-to-OCF or its related term are showing as below:
CAS:SLF'
s EV-to-OCF Range Over the Past 10 Years
Min: -14.88 Med: 19.2 Max: 78.02
Current: 12.57
During the past 13 years, the highest EV-to-OCF of SALAFIN (Groupe BMCE) was 78.02. The lowest was -14.88. And the median was 19.20.
CAS:SLF's EV-to-OCF is ranked worse than 74.5% of 545
companies
in the Credit Services industry
Industry Median: -1.03
vs CAS:SLF: 12.57
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
SALAFIN (Groupe BMCE)'s PE Ratio (TTM) for today is calculated as:
SALAFIN (Groupe BMCE)'s share price for today is MAD445.00.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. SALAFIN (Groupe BMCE)'s Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was MAD30.809.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
* 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 EV-to-OCF, along with its competitors' market caps and EV-to-OCF 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) EV-to-OCF vs Credit Services Industry
For the Credit Services industry and Financial Services sector, SALAFIN (Groupe BMCE)'s EV-to-OCF distribution charts can be found below:
* The bar in red indicates where SALAFIN (Groupe BMCE)'s EV-to-OCF falls into.
SALAFIN (Groupe BMCE)'s current Enterprise Value is MAD2,970.2 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. SALAFIN (Groupe BMCE)'s Cash Flow from Operations for the trailing twelve months (TTM) ended in Dec. 2025 was MAD236.3 Mil.
* 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 EV-to-OCF of 12.57 as of Aug. 09, 2026. This is 35% below median its historical median of 19.20. According to the industry distribution chart, SALAFIN (Groupe BMCE) ranks #406 out of 545 companies in the Credit Services industry, placing it in the top 74.5%.
Is SALAFIN (Groupe BMCE)'s EV-to-OCF too high?
SALAFIN (Groupe BMCE)'s current EV-to-OCF of 12.57 is 35% below median its 10-year median of 19.20. Based on the distribution chart, SALAFIN (Groupe BMCE) ranks #406 out of 545 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 EV-to-OCF compare to V and MA?
According to the Credit Services industry distribution chart, SALAFIN (Groupe BMCE) ranks #406 out of 545 companies for EV-to-OCF. This places SALAFIN (Groupe BMCE) in the lower half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-OCF for a Credit Services company?
A good EV-to-OCF depends on the Credit Services industry context. However, EV-to-OCF 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 EV-to-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. SALAFIN (Groupe BMCE)'s current EV-to-OCF is 12.57, which is 35% below median its own 10-year median of 19.20. 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 MAD577.94, compared to a current price of MAD445.00 — trading 23% below its estimated fair value. The current EV-to-OCF is 12.57, which is 35% below median its 10-year median of 19.20. SALAFIN (Groupe BMCE)'s overall GF Score™ is 34/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For SALAFIN (Groupe BMCE) (CAS:SLF), the current EV-to-OCF is 12.57 as of Aug. 09, 2026. 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 MAD577.94.
GuruFocus considers SALAFIN (Groupe BMCE) to be Modestly Undervalued.
Key valuation signals for CAS:SLF:
EV-to-OCF: 12.57 (35% below median its 10-year median of 19.20)
GF Value™: MAD577.94 vs. price of MAD445.00 (23% below fair value)
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
EV-to-OCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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