Think of Enterprise Value as the theoretical takeover price. It is more comprehensive than market capitalization (Market Cap), which only includes common equity. Enterprise Value is calculated as the market cap plus debt and minority interest and preferred shares, minus total cash, cash equivalents, and marketable securities.
EV-to-EBIT is calculated as Enterprise Value divided by its EBIT. This ratio does not apply to banks.
EV-to-EBITDA is calculated as Enterprise Value divided by its EBITDA. This ratio does not apply to banks.
*** Please note that the current Enterprise Value is calculated using the current market capitalization and the most recently available financial data. If key financial fields—Long-Term Debt & Capital Lease Obligation and Short-Term Debt & Capital Lease Obligation—are recorded as null in the latest reporting period, our data vendor will default to using data from the prior period with valid entries.
SALAFIN (Groupe BMCE) (CAS:SLF) Enterprise Value Explanation
When an investor buy a company, the investor needs to pay not only the common shares, he/she also needs to pay the shareholders of Preferred Stocks. He also assumes the debt of the company, and receives the cash on the company's balance sheet.
If a company has more cash than debt, the investor actually pays less than the Market Cap because he immediately owns the cash once the transaction goes through.
The market value of Preferred Stock needs to be added to the market value of common stocks in the calculation of Enterprise Value.
For the companies with the same Market Cap, the smaller the Enterprise Value is, the cheaper the company is.
Enterprise Value can be negative when the company's net cash is more than its Market Cap. In this case the investor is basically getting the company for free and get paid for that.
SALAFIN (Groupe BMCE)'s current Enterprise Value is MAD2,954.6 Mil.
For company reported semi-annually or annually, GuruFocus uses latest annual data as the TTM data. SALAFIN (Groupe BMCE)'s Revenue for the trailing twelve months (TTM) ended in Dec. 2025 was MAD396.3 Mil.
SALAFIN (Groupe BMCE)'s current Enterprise Value is MAD2,954.6 Mil.
For company reported semi-annually or 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.
SALAFIN (Groupe BMCE)'s current Enterprise Value is MAD2,954.6 Mil.
For company reported semi-annually or annually, GuruFocus uses latest annual data as the TTM data. SALAFIN (Groupe BMCE)'s Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was MAD232.3 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) Enterprise Value Related Terms
SALAFIN (Groupe BMCE) Enterprise Value Historical Data
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The historical data trend for SALAFIN (Groupe BMCE)'s Enterprise Value 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.
CAS:SLF vs V, MA, AXP: Enterprise Value Comparison
For the Credit Services subindustry, SALAFIN (Groupe BMCE)'s Enterprise Value, along with its competitors' market caps and Enterprise Value 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) Enterprise Value vs Credit Services Industry
For the Credit Services industry and Financial Services sector, SALAFIN (Groupe BMCE)'s Enterprise Value distribution charts can be found below:
* The bar in red indicates where SALAFIN (Groupe BMCE)'s Enterprise Value falls into.
SALAFIN (Groupe BMCE) Enterprise Value Calculation
Enterprise Value is calculated as the market cap plus debt and minority interest and preferred shares, minus total cash, cash equivalents, and marketable securities.
SALAFIN (Groupe BMCE)'s Enterprise Value for the fiscal year that ended in Dec. 2025 is calculated as
* 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.
What does a Enterprise Value of MAD2,954.6 Mil mean?
SALAFIN (Groupe BMCE) (CAS:SLF) has a Enterprise Value of MAD2,954.6 Mil as of Jun. 25, 2026. Enterprise value equals the sum of market cap, debt and preferred shares less cash and equivalents. View historical data on SALAFIN (Groupe BMCE) and its competitors.
Is SALAFIN (Groupe BMCE)'s Enterprise Value too high?
SALAFIN (Groupe BMCE)'s current Enterprise Value is MAD2,954.6 Mil. Overall, SALAFIN (Groupe BMCE) has a GF Score™ of 47/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does SALAFIN (Groupe BMCE)'s Enterprise Value compare to V and MA?
SALAFIN (Groupe BMCE)'s Enterprise Value of MAD2,954.6 Mil 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 Enterprise Value for a Credit Services company?
A good Enterprise Value depends on the Credit Services industry context. However, Enterprise Value 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 Enterprise Value mean?
A high Enterprise Value can signal that a stock is expensive relative to its fundamentals. Enterprise value equals the sum of market cap, debt and preferred shares less cash and equivalents. View historical data on SALAFIN (Groupe BMCE) and its competitors. SALAFIN (Groupe BMCE)'s current Enterprise Value is MAD2,954.6 Mil. 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 MAD578.38, compared to a current price of MAD440.00 — trading 23.9% below its estimated fair value. The current Enterprise Value is MAD2,954.6 Mil. SALAFIN (Groupe BMCE)'s overall GF Score™ is 47/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Enterprise Value calculated?
Enterprise Value is calculated from a company's financial statements. For SALAFIN (Groupe BMCE) (CAS:SLF), the current Enterprise Value is MAD2,954.6 Mil as of Jun. 25, 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 MAD440.00 is trading 23.9% below its estimated GF Value™ of MAD578.38.
GuruFocus considers SALAFIN (Groupe BMCE) to be Modestly Undervalued.
Key valuation signals for CAS:SLF:
Enterprise Value: MAD2,954.6 Mil
GF Value™: MAD578.38 vs. price of MAD440.00 (23.9% 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.
47GF Score
Get the complete analysis for CAS:SLF
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