SALAFIN (Groupe BMCE)CAS:SLF 47 Net Margin % is 206.59% as of Dec. 2025, which is 1218% above its 10-year median of 15.67. GuruFocus rates CAS:SLF with a GF Score™ of 47/100 and a GF Value™ of MAD578.38 (Modestly Undervalued). The stock has 2 warning signs investors should review. Among 534 Credit Services companies, SALAFIN (Groupe BMCE) ranks better than 66.1% on this metric.
The historical rank and industry rank for SALAFIN (Groupe BMCE)'s Net Margin % or its related term are showing as below:
CAS:SLF'
s Net Margin % Range Over the Past 10 Years
Min: -2.07 Med: 15.67 Max: 24.25
Current: 24.25
CAS:SLF's Net Margin % is ranked better than 66.1% of 534
companies
in the Credit Services industry
Industry Median: 14.52
vs CAS:SLF: 24.25
SALAFIN (Groupe BMCE) (CAS:SLF) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
SALAFIN (Groupe BMCE) Net Margin % Related Terms
SALAFIN (Groupe BMCE) Net Margin % Historical Data
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The historical data trend for SALAFIN (Groupe BMCE)'s Net Margin % 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 Net Margin %, along with its competitors' market caps and Net Margin % 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) Net Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, SALAFIN (Groupe BMCE)'s Net Margin % distribution charts can be found below:
* The bar in red indicates where SALAFIN (Groupe BMCE)'s Net Margin % falls into.
* 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 Net Margin % of 206.59% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on SALAFIN (Groupe BMCE) and its competitors. This is 1218% above median its historical median of 15.67. According to the industry distribution chart, SALAFIN (Groupe BMCE) ranks #181 out of 534 companies in the Credit Services industry, placing it in the top 33.9%.
Is SALAFIN (Groupe BMCE)'s Net Margin % too high?
SALAFIN (Groupe BMCE)'s current Net Margin % of 206.59% is 1218% above median its 10-year median of 15.67. The Credit Services industry median Net Margin % is 14.52. SALAFIN (Groupe BMCE)'s value of 206.59% is 1322.8% above this industry median. Based on the distribution chart, SALAFIN (Groupe BMCE) ranks #181 out of 534 companies in the Credit Services industry, which is above the industry midpoint. Overall, SALAFIN (Groupe BMCE) has a GF Score™ of 47/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does SALAFIN (Groupe BMCE)'s Net Margin % compare to V and MA?
According to the Credit Services industry distribution chart, SALAFIN (Groupe BMCE) ranks #181 out of 534 companies for Net Margin %. This puts SALAFIN (Groupe BMCE) in the upper half of its industry. The industry median Net Margin % is 14.52. SALAFIN (Groupe BMCE)'s value of 206.59% is 1322.8% above this benchmark. While the company's 10-year median is 15.67 vs. the industry median of 14.52, SALAFIN (Groupe BMCE) has consistently been above 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 Net Margin % for a Credit Services company?
The median Net Margin % among Credit Services companies is 14.52, based on 534 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. SALAFIN (Groupe BMCE)'s current Net Margin % of 206.59% is 1322.8% above 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on SALAFIN (Groupe BMCE) and its competitors. For the Credit Services industry, the median Net Margin % is 14.52 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. SALAFIN (Groupe BMCE)'s current Net Margin % is 206.59%, which is 1218% above median its own 10-year median of 15.67. 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 MAD578.38, compared to a current price of MAD440.00 — trading 23.9% below its estimated fair value. The current Net Margin % is 206.59%, which is 1218% above median its 10-year median of 15.67 and 1322.8% above the Credit Services industry median of 14.52. SALAFIN (Groupe BMCE)'s overall GF Score™ is 47/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For SALAFIN (Groupe BMCE) (CAS:SLF), the current Net Margin % is 206.59% 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 MAD440.00 is trading 23.9% below its estimated GF Value™ of MAD578.38.
GuruFocus considers SALAFIN (Groupe BMCE) to be Modestly Undervalued.
Key valuation signals for CAS:SLF:
Net Margin %: 206.59% (1218% above median its 10-year median of 15.67)
GF Value™: MAD578.38 vs. price of MAD440.00 (23.9% below fair value)
Industry Position: 1322.8% above the Credit Services median (#181 of 534)
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.
47GF Score
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