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SALAFIN (Groupe BMCE)CAS:SLF -0.66%46 Equity-to-Asset is 0.23 as of Dec. 2025, which is 5% above its 10-year median of 0.22. GuruFocus rates CAS:SLF with a GF Score™ of 46/100 and a GF Value™ of MAD578.13 (Modestly Undervalued). The stock has 2 warning signs investors should review. Among 546 Credit Services companies, SALAFIN (Groupe BMCE) ranks worse than 64.65% on this metric.
Equity to Asset ratio is calculated as total stockholders equity divided by total asset. SALAFIN (Groupe BMCE)'s Total Stockholders Equity for the quarter that ended in Dec. 2025 was MAD870.8 Mil. SALAFIN (Groupe BMCE)'s Total Assets for the quarter that ended in Dec. 2025 was MAD3,813.4 Mil.
Therefore, SALAFIN (Groupe BMCE)'s Equity to Asset Ratio for the quarter that ended in Dec. 2025 was 0.23.
The historical rank and industry rank for SALAFIN (Groupe BMCE)'s Equity-to-Asset or its related term are showing as below:
CAS:SLF'
s Equity-to-Asset Range Over the Past 10 Years
Min: 0.18 Med: 0.22 Max: 0.23
Current: 0.23
During the past 13 years, the highest Equity to Asset Ratio of SALAFIN (Groupe BMCE) was 0.23. The lowest was 0.18. And the median was 0.22.
CAS:SLF's Equity-to-Asset is ranked worse than 64.65% of 546
companies
in the Credit Services industry
Industry Median: 0.405
vs CAS:SLF: 0.23
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
SALAFIN (Groupe BMCE) Equity-to-Asset Related Terms
SALAFIN (Groupe BMCE) Equity-to-Asset Historical Data
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The historical data trend for SALAFIN (Groupe BMCE)'s Equity-to-Asset 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.
For the Credit Services subindustry, SALAFIN (Groupe BMCE)'s Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset 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) Equity-to-Asset vs Credit Services Industry
For the Credit Services industry and Financial Services sector, SALAFIN (Groupe BMCE)'s Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where SALAFIN (Groupe BMCE)'s Equity-to-Asset falls into.
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
SALAFIN (Groupe BMCE)'s Equity to Asset Ratio 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.
SALAFIN (Groupe BMCE) (CAS:SLF) has a Equity-to-Asset of 0.23 as of Dec. 2025. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on SALAFIN (Groupe BMCE) and its competitors. This is near median its historical median of 0.22. Over the past decade, SALAFIN (Groupe BMCE)'s Equity-to-Asset has ranged from 0.18 to 0.23. According to the industry distribution chart, SALAFIN (Groupe BMCE) ranks #353 out of 546 companies in the Credit Services industry, placing it in the top 64.7%.
Is SALAFIN (Groupe BMCE)'s Equity-to-Asset too high?
SALAFIN (Groupe BMCE)'s current Equity-to-Asset of 0.23 is near median its 10-year median of 0.22. Over the past 10 years, this metric has ranged from a low of 0.18 to a high of 0.23. The Credit Services industry median Equity-to-Asset is 0.41. SALAFIN (Groupe BMCE)'s value of 0.23 is 43.2% below this industry median. Based on the distribution chart, SALAFIN (Groupe BMCE) ranks #353 out of 546 companies in the Credit Services industry, which is below the industry midpoint. Overall, SALAFIN (Groupe BMCE) has a GF Score™ of 46/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does SALAFIN (Groupe BMCE)'s Equity-to-Asset compare to V and MA?
According to the Credit Services industry distribution chart, SALAFIN (Groupe BMCE) ranks #353 out of 546 companies for Equity-to-Asset. This places SALAFIN (Groupe BMCE) in the lower half of its industry. The industry median Equity-to-Asset is 0.41. SALAFIN (Groupe BMCE)'s value of 0.23 is 43.2% below this benchmark. Historically, SALAFIN (Groupe BMCE)'s own Equity-to-Asset has ranged from 0.18 to 0.23 over the past decade. While the company's 10-year median is 0.22 vs. the industry median of 0.41, SALAFIN (Groupe BMCE) 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 Equity-to-Asset for a Credit Services company?
The median Equity-to-Asset among Credit Services companies is 0.41, based on 546 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. SALAFIN (Groupe BMCE)'s current Equity-to-Asset of 0.23 is 43.2% 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 Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on SALAFIN (Groupe BMCE) and its competitors. For the Credit Services industry, the median Equity-to-Asset is 0.41 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. SALAFIN (Groupe BMCE)'s current Equity-to-Asset is 0.23, which is near median its own 10-year median of 0.22. 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 MAD578.13, compared to a current price of MAD455.00 — trading 21.3% below its estimated fair value. The current Equity-to-Asset is 0.23, which is near median its 10-year median of 0.22 and 43.2% below the Credit Services industry median of 0.41. SALAFIN (Groupe BMCE)'s overall GF Score™ is 46/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For SALAFIN (Groupe BMCE) (CAS:SLF), the current Equity-to-Asset is 0.23 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 MAD455.00 is trading 21.3% below its estimated GF Value™ of MAD578.13.
GuruFocus considers SALAFIN (Groupe BMCE) to be Modestly Undervalued.
Key valuation signals for CAS:SLF:
Equity-to-Asset: 0.23 (near median its 10-year median of 0.22)
GF Value™: MAD578.13 vs. price of MAD455.00 (21.3% below fair value)
Industry Position: 43.2% below the Credit Services median (#353 of 546)
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.
46GF Score
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Equity-to-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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