Maroc Leasing (CAS:MLE) Net Interest Margin (Bank Only) %: -4,036.71% (As of Dec. 2025)


What is Maroc Leasing Net Interest Margin (Bank Only) %?

Maroc Leasing CAS:MLE Net Interest Margin (Bank Only) % is -4,036.71% as of Dec. 2025.

Net Interest Margin (Bank Only) % is a measure of the difference between the interest income generated by banks or other financial institutions and the amount of interest paid out to their lenders (for example, deposits), relative to the amount of their interest-earning assets. It is usually calculated as a percentage of what the financial institution earns on loans in a time period and other assets minus the interest paid on borrowed funds divided by the average amount of the assets on which it earned income in that time period (the average earning assets).

GuruFocus calculates Net Interest Margin (Bank Only) % as Net Interest Income (for Banks) divided by its average earning assets. Maroc Leasing's annualized Net Interest Income (for Banks) for the quarter that ended in Dec. 2025 was MAD-469 Mil. Maroc Leasing's average earning assets for the quarter that ended in Dec. 2025 was MAD12 Mil. Therefore, Maroc Leasing's annualized Net Interest Margin (Bank Only) % for the quarter that ended in Dec. 2025 was -4,036.71%.


Maroc Leasing  (CAS:MLE) Net Interest Margin (Bank Only) % Explanation

The negative value of Net Interest Margin (Bank Only) % mean the firm pays more interest for its debt than the interest revenue generated from its investment.


Maroc Leasing Net Interest Margin (Bank Only) % Related Terms


Maroc Leasing Net Interest Margin (Bank Only) % Historical Data

* Premium members only.

The historical data trend for Maroc Leasing's Net Interest Margin (Bank Only) % 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.

Maroc Leasing Net Interest Margin (Bank Only) % Chart

Maroc Leasing Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Net Interest Margin (Bank Only) %
Get a 7-Day Free Trial Premium Member Only Premium Member Only -4,947.64 -4,074.95 -4,105.39 -4,496.36 -4,501.90

Maroc Leasing Semi-Annual Data
Dec15 Dec16 Jun17 Dec17 Jun18 Dec18 Jun19 Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25
Net Interest Margin (Bank Only) % 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 -5,027.52 -4,508.89 -4,725.96 -4,145.05 -4,036.71

CAS:MLE vs RKT, FNMA, PFSI: Net Interest Margin (Bank Only) % Comparison

For the Mortgage Finance subindustry, Maroc Leasing's Net Interest Margin (Bank Only) %, along with its competitors' market caps and Net Interest Margin (Bank Only) % 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.


Maroc Leasing Net Interest Margin (Bank Only) % vs Banks Industry

For the Banks industry and Financial Services sector, Maroc Leasing's Net Interest Margin (Bank Only) % distribution charts can be found below:

* The bar in red indicates where Maroc Leasing's Net Interest Margin (Bank Only) % falls into.



Maroc Leasing Net Interest Margin (Bank Only) % Calculation

Net Interest Margin (Bank Only) % (NIM) is a measure of the difference between the interest income generated by banks or other financial institutions and the amount of interest paid out to their lenders (for example, deposits), relative to the amount of their interest-earning assets. It is usually calculated as a percentage of what the financial institution earns on loans in a time period and other assets minus the interest paid on borrowed funds divided by the average amount of the assets on which it earned income in that time period (the average earning assets).

Maroc Leasing's annualized Net Interest Margin (Bank Only) % for the fiscal year that ended in Dec. 2025 is calculated as

Net Interest Margin (Bank Only) %(A: Dec. 2025 )
=(Interest Income + Interest Expense)/Average Earning Assets
=Net Interest Income (for Banks)/( (Earning Assets (A: Dec. 2024 ) + Earning Assets (A: Dec. 2025 ))/ count )
=-458.586/( (9.387 + 10.986)/ 2 )
=-458.586/10.1865
=-4,501.90 %

where

Earning Assets(A: Dec. 2024 )
=Money Market Investments + Net Loan + Securities & Investments
=0 + 9.387 + 0
=9.387

Earning Assets(A: Dec. 2025 )
=Money Market Investments + Net Loan + Securities & Investments
=0 + 10.986 + 0
=10.986

Maroc Leasing's annualized Net Interest Margin (Bank Only) % for the quarter that ended in Dec. 2025 is calculated as

Net Interest Margin (Bank Only) %(Q: Dec. 2025 )
=(Interest Income + Interest Expense)/Average Earning Assets
=Net Interest Income (for Banks)/( (Earning Assets (Q: Jun. 2025 ) + Earning Assets (Q: Dec. 2025 ))/ count )
=-468.864/( (12.244 + 10.986)/ 2 )
=-468.864/11.615
=-4,036.71 %

where

Earning Assets(Q: Jun. 2025 )
=Money Market Investments + Net Loan + Securities & Investments
=0 + 12.244 + 0
=12.244

Earning Assets(Q: Dec. 2025 )
=Money Market Investments + Net Loan + Securities & Investments
=0 + 10.986 + 0
=10.986

* 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.

Note: Interest Expense is the negative value.

In the calculation of annual Net Interest Margin (Bank Only) %, the Net Interest Income (for Banks) of the last fiscal year and the average earning assets over the fiscal year are used. In calculating the quarterly data, the Net Interest Income (for Banks) data used here is two times the semi-annual (Dec. 2025) net interest income data. Net Interest Margin (Bank Only) % is displayed in the 30-year financial page for Banks.

What does a Net Interest Margin (Bank Only) % of -4,036.71% mean?
Maroc Leasing (CAS:MLE) has a Net Interest Margin (Bank Only) % of -4,036.71% as of Dec. 2025. Net interest margin is the ratio of a bank's net interest income to its average two-period earning assets. View historical data on Maroc Leasing and its competitors.
Is Maroc Leasing's Net Interest Margin (Bank Only) % too high?
Maroc Leasing's current Net Interest Margin (Bank Only) % is -4,036.71%.
How does Maroc Leasing's Net Interest Margin (Bank Only) % compare to RKT and FNMA?
Maroc Leasing's Net Interest Margin (Bank Only) % of -4,036.71% can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Interest Margin (Bank Only) % for a Banks company?
A good Net Interest Margin (Bank Only) % depends on the Banks industry context. However, Net Interest Margin (Bank Only) % 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 Net Interest Margin (Bank Only) % mean?
A high Net Interest Margin (Bank Only) % can signal that a stock is expensive relative to its fundamentals. Net interest margin is the ratio of a bank's net interest income to its average two-period earning assets. View historical data on Maroc Leasing and its competitors. Maroc Leasing's current Net Interest Margin (Bank Only) % is -4,036.71%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Maroc Leasing stock overvalued right now?
Maroc Leasing (CAS:MLE) has a current Net Interest Margin (Bank Only) % of -4,036.71%. The stock's GF Value™ is MAD426.29, compared to a current price of MAD350.25 — trading 17.8% below its estimated fair value. The current Net Interest Margin (Bank Only) % is -4,036.71%. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Interest Margin (Bank Only) % calculated?
Net Interest Margin (Bank Only) % is calculated from a company's financial statements. For Maroc Leasing (CAS:MLE), the current Net Interest Margin (Bank Only) % is -4,036.71% 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.

Maroc Leasing Business Description

Address 57. Angle Boulevard Abdelmoumen et Rue Pinel, Casablanca, MAR
Maroc Leasing SA provides lease financing for real estate and furniture. It also helps in financing lease for movable and immovable property professional, commercial and industrial.