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SALAFIN (Groupe BMCE)CAS:SLF 50 EV-to-FCF is 12.79 as of Aug. 09, 2026, which is 36% below its 10-year median of 19.89. GuruFocus rates CAS:SLF with a GF Score™ of 50/100 and a GF Value™ of MAD577.94 (Modestly Undervalued). The stock has 1 warning sign investors should review. Among 266 Credit Services companies, SALAFIN (Groupe BMCE) ranks better than 51.88% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, SALAFIN (Groupe BMCE)'s Enterprise Value is MAD2,970.2 Mil.
SALAFIN (Groupe BMCE)'s Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was MAD232.3 Mil. Therefore, SALAFIN (Groupe BMCE)'s EV-to-FCF for today is 12.79.
The historical rank and industry rank for SALAFIN (Groupe BMCE)'s EV-to-FCF or its related term are showing as below:
CAS:SLF'
s EV-to-FCF Range Over the Past 10 Years
Min: -6081.66 Med: 19.89 Max: 89.13
Current: 12.79
During the past 13 years, the highest EV-to-FCF of SALAFIN (Groupe BMCE) was 89.13. The lowest was -6081.66. And the median was 19.89.
CAS:SLF's EV-to-FCF is ranked better than 51.88% of 266
companies
in the Credit Services industry
Industry Median: 13.98
vs CAS:SLF: 12.79
EV-to-FCF 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-FCF 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. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF 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-FCF, along with its competitors' market caps and EV-to-FCF 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-FCF vs Credit Services Industry
For the Credit Services industry and Financial Services sector, SALAFIN (Groupe BMCE)'s EV-to-FCF distribution charts can be found below:
* The bar in red indicates where SALAFIN (Groupe BMCE)'s EV-to-FCF 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 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) (CAS:SLF) has a EV-to-FCF of 12.79 as of Aug. 09, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on SALAFIN (Groupe BMCE) and its competitors. This is 36% below median its historical median of 19.89. According to the industry distribution chart, SALAFIN (Groupe BMCE) ranks #128 out of 266 companies in the Credit Services industry, placing it in the top 48.1%.
Is SALAFIN (Groupe BMCE)'s EV-to-FCF too high?
SALAFIN (Groupe BMCE)'s current EV-to-FCF of 12.79 is 36% below median its 10-year median of 19.89. The Credit Services industry median EV-to-FCF is 13.98. SALAFIN (Groupe BMCE)'s value of 12.79 is 8.5% below this industry median. Based on the distribution chart, SALAFIN (Groupe BMCE) ranks #128 out of 266 companies in the Credit Services industry, which is above the industry midpoint. Overall, SALAFIN (Groupe BMCE) has a GF Score™ of 50/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does SALAFIN (Groupe BMCE)'s EV-to-FCF compare to V and MA?
According to the Credit Services industry distribution chart, SALAFIN (Groupe BMCE) ranks #128 out of 266 companies for EV-to-FCF. This puts SALAFIN (Groupe BMCE) in the upper half of its industry. The industry median EV-to-FCF is 13.98. SALAFIN (Groupe BMCE)'s value of 12.79 is 8.5% below this benchmark. While the company's 10-year median is 19.89 vs. the industry median of 13.98, 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 EV-to-FCF for a Credit Services company?
The median EV-to-FCF among Credit Services companies is 13.98, based on 266 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. SALAFIN (Groupe BMCE)'s current EV-to-FCF of 12.79 is 8.5% 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 EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on SALAFIN (Groupe BMCE) and its competitors. For the Credit Services industry, the median EV-to-FCF is 13.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. SALAFIN (Groupe BMCE)'s current EV-to-FCF is 12.79, which is 36% below median its own 10-year median of 19.89. 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-FCF is 12.79, which is 36% below median its 10-year median of 19.89 and 8.5% below the Credit Services industry median of 13.98. SALAFIN (Groupe BMCE)'s overall GF Score™ is 50/100 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-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For SALAFIN (Groupe BMCE) (CAS:SLF), the current EV-to-FCF is 12.79 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-FCF: 12.79 (36% below median its 10-year median of 19.89)
GF Value™: MAD577.94 vs. price of MAD445.00 (23% below fair value)
Industry Position: 8.5% below the Credit Services median (#128 of 266)
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.
50GF Score
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