SALAFIN (Groupe BMCE) (CAS:SLF) EPS without NRI: MAD32.72 (TTM As of Dec. 2025)


CAS:SLF SALAFIN (Groupe BMCE) CAS:SLF
45 GF Score
Price MAD449.90
GF Value MAD578.36
Valuation Modestly Undervalued
! 2 Warning Signs
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What is SALAFIN (Groupe BMCE) EPS without NRI?

SALAFIN (Groupe BMCE) CAS:SLF +2.48% 45 EPS without NRI is MAD32.72 as of Dec. 2025. GuruFocus rates CAS:SLF with a GF Score™ of 45/100 and a GF Value™ of MAD578.36 (Modestly Undervalued). The stock has 2 warning signs investors should review. Among 427 Credit Services companies, SALAFIN (Groupe BMCE) ranks worse than 61.36% on this metric.

SALAFIN (Groupe BMCE)'s earnings per share without non-recurring items for the six months ended in Dec. 2025 was MAD16.64. Its earnings per share without non-recurring items for the trailing twelve months (TTM) ended in Dec. 2025 was MAD32.72.

During the past 12 months, SALAFIN (Groupe BMCE)'s average earnings per share (NRI) Growth Rate was 2.60% per year. During the past 3 years, the average earnings per share (NRI) Growth Rate was 4.90% per year. During the past 10 years, the average earnings per share (NRI) Growth Rate was 0.00% 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 EPS without NRI Growth Rate using Earnings per share without Non-Recurring Items (NRI) data.

The historical rank and industry rank for SALAFIN (Groupe BMCE)'s EPS without NRI or its related term are showing as below:

CAS:SLF' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -14   Med: -8.8   Max: 5.8
Current: 4.9

During the past 13 years, SALAFIN (Groupe BMCE)'s highest 3-Year average Earnings Per Share (NRI) Growth Rate was 5.80% per year. The lowest was -14.00% per year. And the median was -8.80% per year.

CAS:SLF's 3-Year EPS without NRI Growth Rate is ranked worse than
61.36% of 427 companies
in the Credit Services industry
Industry Median: 11.6 vs CAS:SLF: 4.90

SALAFIN (Groupe BMCE)'s EPS (Diluted) for the six months ended in Dec. 2025 was MAD15.81. Its EPS (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was MAD30.81.

SALAFIN (Groupe BMCE)'s EPS (Basic) for the six months ended in Dec. 2025 was MAD16.00. Its EPS (Basic) for the trailing twelve months (TTM) ended in Dec. 2025 was MAD31.00.


SALAFIN (Groupe BMCE)  (CAS:SLF) EPS without NRI Explanation

EPS without NRI removes onetime and unusual items from EPS, to provide investors with a more accurate measure of the company’s true earnings. The earnings are adjusted for items that are irregular or unusual in nature, and/or are non-recurring. This is calculated using Net Income (Continuing Operations) plus/minus any tax affected unusual Items and Goodwill Impairments/Write Offs. This can be used to fairly measure a company's profitability.


Be Aware

Compared with Earnings per share, a company's cash flow is better indicator of the company's earnings power.

If a company's earnings per share is less than cash flow per share over long term, investors need to be cautious and find out why.


SALAFIN (Groupe BMCE) EPS without NRI Related Terms


SALAFIN (Groupe BMCE) EPS without NRI Historical Data

* Premium members only.

The historical data trend for SALAFIN (Groupe BMCE)'s EPS without NRI 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) EPS without NRI Chart

SALAFIN (Groupe BMCE) Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
EPS without NRI
Get a 7-Day Free Trial Premium Member Only Premium Member Only 27.08 28.50 30.48 32.08 32.92

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
EPS without NRI 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 17.26 14.38 16.46 16.08 16.64

CAS:SLF vs V, MA, AXP: EPS without NRI Comparison

For the Credit Services subindustry, SALAFIN (Groupe BMCE)'s PE Ratio without NRI, along with its competitors' market caps and PE Ratio without NRI 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) PE Ratio without NRI vs Credit Services Industry

For the Credit Services industry and Financial Services sector, SALAFIN (Groupe BMCE)'s PE Ratio without NRI distribution charts can be found below:

* The bar in red indicates where SALAFIN (Groupe BMCE)'s PE Ratio without NRI falls into.


CAS:SLF
45GF Score
SALAFIN (Groupe BMCE) CAS:SLF
EPS without NRI is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

SALAFIN (Groupe BMCE) EPS without NRI Calculation

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 EPS without NRI, which better reflects the company's underlying performance.

Earnings Per Share without Non-Recurring Items is the amount of earnings without non-recurring items per outstanding share of the company's stock.

EPS without NRI for the trailing twelve months (TTM) ended in Dec. 2025 adds up the semi-annually data reported by the company within the most recent 12 months, which was MAD32.72

* 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.

Frequently Asked Questions Learn more about EPS without NRI →
What does a EPS without NRI of MAD32.72 mean?
SALAFIN (Groupe BMCE) (CAS:SLF) has a EPS without NRI of MAD32.72 as of Dec. 2025. EPS without NRI represents per-share earnings excluding one-time charges. View historical data on SALAFIN (Groupe BMCE) and its competitors. According to the industry distribution chart, SALAFIN (Groupe BMCE) ranks #262 out of 427 companies in the Credit Services industry, placing it in the top 61.4%.
Is SALAFIN (Groupe BMCE)'s EPS without NRI too high?
SALAFIN (Groupe BMCE)'s current EPS without NRI is MAD32.72. Based on the distribution chart, SALAFIN (Groupe BMCE) ranks #262 out of 427 companies in the Credit Services industry, which is below the industry midpoint. 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 EPS without NRI compare to V and MA?
According to the Credit Services industry distribution chart, SALAFIN (Groupe BMCE) ranks #262 out of 427 companies for EPS without NRI. This places SALAFIN (Groupe BMCE) in the lower half of its industry. The industry median EPS without NRI is 11.60. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EPS without NRI for a Credit Services company?
The median EPS without NRI among Credit Services companies is 11.60, based on 427 companies in the industry. Companies in the top quartile (top 25%) have a EPS without NRI significantly above this median, while those in the bottom quartile fall well below. However, EPS without NRI 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 EPS without NRI mean?
A high EPS without NRI can signal that a stock is expensive relative to its fundamentals. EPS without NRI represents per-share earnings excluding one-time charges. View historical data on SALAFIN (Groupe BMCE) and its competitors. For the Credit Services industry, the median EPS without NRI is 11.60 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. SALAFIN (Groupe BMCE)'s current EPS without NRI is MAD32.72. 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 MAD578.36, compared to a current price of MAD449.90 — trading 22.2% below its estimated fair value. The current EPS without NRI is MAD32.72. 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 EPS without NRI calculated?
EPS without NRI is calculated from a company's financial statements. For SALAFIN (Groupe BMCE) (CAS:SLF), the current EPS without NRI is MAD32.72 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 MAD449.90 is trading 22.2% below its estimated GF Value™ of MAD578.36. GuruFocus considers SALAFIN (Groupe BMCE) to be Modestly Undervalued.

Key valuation signals for CAS:SLF:

  • EPS without NRI: MAD32.72
  • GF Value™: MAD578.36 vs. price of MAD449.90 (22.2% 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

EPS without NRI is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

MAD449.90
Price
MAD578.36
GF Value