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SALAFIN (Groupe BMCE)CAS:SLF +1.14%34 Intrinsic Value: Projected FCF is MAD626.34 as of Aug. 15, 2026, which is 100% below its 10-year median of 0.85. GuruFocus rates CAS:SLF with a GF Score™ of 34/100 and a GF Value™ of MAD577.88 (Modestly Undervalued). The stock has 1 warning sign investors should review. Among 315 Credit Services companies, SALAFIN (Groupe BMCE) ranks better than 52.06% on this metric.
Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company. The details of how we calculate the intrinsic value of stocks are described in detail here.
The historical rank and industry rank for SALAFIN (Groupe BMCE)'s Intrinsic Value: Projected FCF or its related term are showing as below:
CAS:SLF'
s Price-to-Projected-FCF Range Over the Past 10 Years
Min: 0.46 Med: 0.85 Max: 1.47
Current: 0.71
During the past 13 years, the highest Price-to-Intrinsic-Value-Projected-FCF of SALAFIN (Groupe BMCE) was 1.47. The lowest was 0.46. And the median was 0.85.
CAS:SLF's Price-to-Projected-FCF is ranked better than 52.06% of 315
companies
in the Credit Services industry
Industry Median: 0.74
vs CAS:SLF: 0.71
The growth multiple is capped between 8.35 and 17.74.
Total Stockholders Equity weighting is more art than science and it should always be revisited in more detail when researching a company. Weightings from 0% to 100% to more than 100% are possible. 80% was chosen as a happy median after taking the above ideas into consideration.
SALAFIN (Groupe BMCE)'s Price-to-Intrinsic-Value-Projected-FCF for today is calculated as
Price-to-Intrinsic-Value-Projected-FCF
=
Share Price
/
Intrinsic Value: Projected FCF
=
445.00
/
626.33658863574
=
0.71
* 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) Intrinsic Value: Projected FCF Related Terms
SALAFIN (Groupe BMCE) Intrinsic Value: Projected FCF Historical Data
* Premium members only.
The historical data trend for SALAFIN (Groupe BMCE)'s Intrinsic Value: Projected FCF 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: Intrinsic Value: Projected FCF Comparison
For the Credit Services subindustry, SALAFIN (Groupe BMCE)'s Price-to-Projected-FCF, along with its competitors' market caps and Price-to-Projected-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) Price-to-Projected-FCF vs Credit Services Industry
For the Credit Services industry and Financial Services sector, SALAFIN (Groupe BMCE)'s Price-to-Projected-FCF distribution charts can be found below:
* The bar in red indicates where SALAFIN (Groupe BMCE)'s Price-to-Projected-FCF falls into.
Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company.
The details of how we calculate the intrinsic value of stocks are described in detail here.
This method smooths out the free cash flow over the past 6-7 years, multiplies the results by a growth multiple, and adds a portion of Total Stockholders Equity.
* 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 Intrinsic Value: Projected FCF of MAD626.34 mean?
SALAFIN (Groupe BMCE) (CAS:SLF) has a Intrinsic Value: Projected FCF of MAD626.34 as of Aug. 15, 2026. Intrinsic Value: Projected FCF is the stock value based on a projected free cash flow model. View historical data on SALAFIN (Groupe BMCE) and its competitors. This is 73587% above median its historical median of 0.85. Over the past decade, SALAFIN (Groupe BMCE)'s Intrinsic Value: Projected FCF has ranged from 0.46 to 1.47. According to the industry distribution chart, SALAFIN (Groupe BMCE) ranks #151 out of 315 companies in the Credit Services industry, placing it in the top 47.9%.
Is SALAFIN (Groupe BMCE)'s Intrinsic Value: Projected FCF too high?
SALAFIN (Groupe BMCE)'s current Intrinsic Value: Projected FCF of MAD626.34 is 73587% above median its 10-year median of 0.85. Over the past 10 years, this metric has ranged from a low of 0.46 to a high of 1.47. Based on the distribution chart, SALAFIN (Groupe BMCE) ranks #151 out of 315 companies in the Credit Services industry, which is above 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 Intrinsic Value: Projected FCF compare to V and MA?
According to the Credit Services industry distribution chart, SALAFIN (Groupe BMCE) ranks #151 out of 315 companies for Intrinsic Value: Projected FCF. This puts SALAFIN (Groupe BMCE) in the upper half of its industry. The industry median Intrinsic Value: Projected FCF is 0.74. Historically, SALAFIN (Groupe BMCE)'s own Intrinsic Value: Projected FCF has ranged from 0.46 to 1.47 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Intrinsic Value: Projected FCF for a Credit Services company?
The median Intrinsic Value: Projected FCF among Credit Services companies is 0.74, based on 315 companies in the industry. Companies in the top quartile (top 25%) have a Intrinsic Value: Projected FCF significantly above this median, while those in the bottom quartile fall well below. However, Intrinsic Value: Projected FCF 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 Intrinsic Value: Projected FCF mean?
A high Intrinsic Value: Projected FCF can signal that a stock is expensive relative to its fundamentals. Intrinsic Value: Projected FCF is the stock value based on a projected free cash flow model. View historical data on SALAFIN (Groupe BMCE) and its competitors. For the Credit Services industry, the median Intrinsic Value: Projected FCF is 0.74 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. SALAFIN (Groupe BMCE)'s current Intrinsic Value: Projected FCF is MAD626.34, which is 73587% above median its own 10-year median of 0.85. 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 MAD577.88, compared to a current price of MAD445.00 — trading 23% below its estimated fair value. The current Intrinsic Value: Projected FCF is MAD626.34, which is 73587% above median its 10-year median of 0.85. 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 Intrinsic Value: Projected FCF calculated?
Intrinsic Value: Projected FCF is calculated from a company's financial statements. For SALAFIN (Groupe BMCE) (CAS:SLF), the current Intrinsic Value: Projected FCF is MAD626.34 as of Aug. 15, 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 MAD577.88.
GuruFocus considers SALAFIN (Groupe BMCE) to be Modestly Undervalued.
Key valuation signals for CAS:SLF:
Intrinsic Value: Projected FCF: MAD626.34 (73587% above median its 10-year median of 0.85)
GF Value™: MAD577.88 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
Intrinsic Value: Projected FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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