SALAFIN (Groupe BMCE)CAS:SLF +2.48%47 PE Ratio (TTM) is 14.60 as of Jun. 27, 2026, which is 24% below its 10-year median of 19.29. GuruFocus rates CAS:SLF with a GF Score™ of 47/100 and a GF Value™ of MAD578.36 (Modestly Undervalued). The stock has 2 warning signs investors should review. Among 407 Credit Services companies, SALAFIN (Groupe BMCE) ranks worse than 52.58% on this metric.
The PE Ratio (TTM), or Price-to-Earnings ratio, or P/E Ratio, is a financial ratio used to compare a company's market price to its Earnings per Share (Diluted). As of today (2026-06-27), SALAFIN (Groupe BMCE)'s share price is
MAD449.90.
SALAFIN (Groupe BMCE)'s Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was MAD30.81. Therefore, SALAFIN (Groupe BMCE)'s PE Ratio (TTM) for today is 14.60.
Good Sign:
SALAFIN (Groupe BMCE) stock PE Ratio (=14.84) is close to 5-year low of 13.8.
The historical rank and industry rank for SALAFIN (Groupe BMCE)'s PE Ratio (TTM) or its related term are showing as below:
CAS:SLF'
s PE Ratio (TTM) Range Over the Past 10 Years
Min: 10.68 Med: 19.29 Max: 28.15
Current: 14.6
During the past 13 years, the highest PE Ratio (TTM) of SALAFIN (Groupe BMCE) was 28.15. The lowest was 10.68. And the median was 19.29.
CAS:SLF's PE Ratio (TTM) is ranked worse than 52.58% of 407
companies
in the Credit Services industry
Industry Median: 13.41
vs CAS:SLF: 14.60
During the past 13 years, SALAFIN (Groupe BMCE)'s highest 3-Year average EPS without NRI Growth Rate was 5.80% per year. The lowest was -14.00% per year. And the median was -8.80% per year.
SALAFIN (Groupe BMCE)'s EPS (Basic) for the
six
months ended in Dec. 2025 was MAD16.00.
Its EPS (Basic) for the trailing twelve months (TTM) ended in Dec. 2025 was MAD31.00.
SALAFIN (Groupe BMCE) (CAS:SLF) PE Ratio (TTM) Explanation
The PE Ratio (TTM) can be viewed as the number of years it takes for the company to earn back the price you pay for the stock. For example, if a company earns $2 a share per year, and the stock is traded at $30, the PE Ratio (TTM) is 15. Therefore it takes 15 years for the company to earn back the $30 you paid for its stock, assuming the earnings stays constant over the next 15 years.
In real business, earnings never stay constant. If a company can grow its earnings, it takes fewer years for the company to earn back the price you pay for the stock. If a company's earnings decline it takes more years. As a shareholder, you want the company to earn back the price you pay as soon as possible. Therefore, lower P/E stocks are more attractive than higher P/E stocks so long as the PE Ratio (TTM) is positive. Also for stocks with the same PE Ratio (TTM), the one with faster growth business is more attractive.
If a company loses money, the PE Ratio (TTM) becomes meaningless.
To compare stocks with different growth rates, Peter Lynch invented a ratio called PEG Ratio. PEG Ratio is defined as the PE Ratio (TTM) divided by the growth ratio. He thinks a company with a PE Ratio (TTM) equal to its growth rate is fairly valued. Still he said he would rather buy a company growing 20% a year with a PE Ratio (TTM) of 20, instead of a company growing 10% a year with a PE Ratio (TTM) of 10.
Because the PE Ratio (TTM) measures how long it takes to earn back the price you pay, the PE Ratio (TTM) can be applied to the stocks across different industries. That is why it is the one of the most important and widely used indicators for the valuation of stocks.
Investors need to be aware that the PE Ratio (TTM) can be misleading a lot of times, especially when the underlying business is cyclical and unpredictable. As Peter Lynch pointed out, cyclical businesses have higher profit margins at the peaks of the business cycles. Their earnings are high and PE Ratio (TTM)s are artificially low. It is usually a bad idea to buy a cyclical business when the PE Ratio (TTM) is low. A better ratio to identify the time to buy a cyclical businesses is the PS Ratio .
PE Ratio (TTM) can also be affected by non-recurring-items such as the sale of part of businesses. This may increase for the current year or quarter dramatically. But it cannot be repeated over and over. Therefore PE Ratio without NRI is a more accurate indication of valuation than PE Ratio (TTM).
SALAFIN (Groupe BMCE) PE Ratio (TTM) Related Terms
SALAFIN (Groupe BMCE) PE Ratio (TTM) Historical Data
* Premium members only.
The historical data trend for SALAFIN (Groupe BMCE)'s PE Ratio (TTM) 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 PE Ratio (TTM), along with its competitors' market caps and PE Ratio (TTM) 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) PE Ratio (TTM) vs Credit Services Industry
For the Credit Services industry and Financial Services sector, SALAFIN (Groupe BMCE)'s PE Ratio (TTM) distribution charts can be found below:
* The bar in red indicates where SALAFIN (Groupe BMCE)'s PE Ratio (TTM) falls into.
The PE Ratio (TTM), or Price-to-Earnings ratio, or P/E Ratio, is a financial ratio used to compare a company's market price to its Earnings per Share (Diluted). It is the most widely used ratio in the valuation of stocks.
SALAFIN (Groupe BMCE)'s Share Price of today is MAD449.90.
For company reported semi-annually, SALAFIN (Groupe BMCE)'s Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 adds up the semi-annually data reported by the company within the most recent 12 months, which was MAD30.81.
* 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.
It can also be calculated from the numbers for the whole company:
There are at least three kinds of PE Ratio (TTM)s used by different investors. They are Trailing Twelve Month PE Ratio (TTM) or PE Ratio (TTM) (TTM), Forward PE Ratio, or PE Ratio without NRI. A new PE Ratio (TTM) based on inflation-adjusted normalized PE Ratio (TTM) is called Shiller PE Ratio, after Yale professor Robert Shiller.
In the calculation of PE Ratio (TTM), the earnings per share used are the earnings per share over the past 12 months. For Forward PE Ratio, the earnings are the expected earnings for the next twelve months. In the case of PE Ratio without NRI, the reported earnings less the non-recurring items are used.
For Shiller PE Ratio, the earnings of the past 10 years are inflation-adjusted and averaged. Since it looks at the average over the last 10 years, Shiller PE Ratio is also called PE10.
SALAFIN (Groupe BMCE) (CAS:SLF) has a PE Ratio (TTM) of 14.60 as of Jun. 27, 2026. Trailing 12-month P/E ratio is the ratio of share price to a company's trailing 12-month earnings per share. View historical data on SALAFIN (Groupe BMCE) and its competitors. This is 24% below median its historical median of 19.29. Over the past decade, SALAFIN (Groupe BMCE)'s PE Ratio (TTM) has ranged from 10.68 to 28.15. According to the industry distribution chart, SALAFIN (Groupe BMCE) ranks #214 out of 407 companies in the Credit Services industry, placing it in the top 52.6%.
Is SALAFIN (Groupe BMCE)'s PE Ratio (TTM) too high?
SALAFIN (Groupe BMCE)'s current PE Ratio (TTM) of 14.60 is 24% below median its 10-year median of 19.29. Over the past 10 years, this metric has ranged from a low of 10.68 to a high of 28.15. The Credit Services industry median PE Ratio (TTM) is 13.41. SALAFIN (Groupe BMCE)'s value of 14.60 is 8.9% above this industry median. Based on the distribution chart, SALAFIN (Groupe BMCE) ranks #214 out of 407 companies in the Credit Services industry, which is below 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 PE Ratio (TTM) compare to V and MA?
According to the Credit Services industry distribution chart, SALAFIN (Groupe BMCE) ranks #214 out of 407 companies for PE Ratio (TTM). This places SALAFIN (Groupe BMCE) in the lower half of its industry. The industry median PE Ratio (TTM) is 13.41. SALAFIN (Groupe BMCE)'s value of 14.60 is 8.9% above this benchmark. Historically, SALAFIN (Groupe BMCE)'s own PE Ratio (TTM) has ranged from 10.68 to 28.15 over the past decade. While the company's 10-year median is 19.29 vs. the industry median of 13.41, 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 PE Ratio (TTM) for a Credit Services company?
The median PE Ratio (TTM) among Credit Services companies is 13.41, based on 407 companies in the industry. Companies in the top quartile (top 25%) have a PE Ratio (TTM) significantly above this median, while those in the bottom quartile fall well below. However, PE Ratio (TTM) should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. SALAFIN (Groupe BMCE)'s current PE Ratio (TTM) of 14.60 is 8.9% 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 PE Ratio (TTM) mean?
A high PE Ratio (TTM) can signal that a stock is expensive relative to its fundamentals. Trailing 12-month P/E ratio is the ratio of share price to a company's trailing 12-month earnings per share. View historical data on SALAFIN (Groupe BMCE) and its competitors. For the Credit Services industry, the median PE Ratio (TTM) is 13.41 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. SALAFIN (Groupe BMCE)'s current PE Ratio (TTM) is 14.60, which is 24% below median its own 10-year median of 19.29. 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 MAD578.36, compared to a current price of MAD449.90 — trading 22.2% below its estimated fair value. The current PE Ratio (TTM) is 14.60, which is 24% below median its 10-year median of 19.29 and 8.9% above the Credit Services industry median of 13.41. 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 PE Ratio (TTM) calculated?
PE Ratio (TTM) is calculated from a company's financial statements. For SALAFIN (Groupe BMCE) (CAS:SLF), the current PE Ratio (TTM) is 14.60 as of Jun. 27, 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 MAD449.90 is trading 22.2% below its estimated GF Value™ of MAD578.36.
GuruFocus considers SALAFIN (Groupe BMCE) to be Modestly Undervalued.
Key valuation signals for CAS:SLF:
PE Ratio (TTM): 14.60 (24% below median its 10-year median of 19.29)
GF Value™: MAD578.36 vs. price of MAD449.90 (22.2% below fair value)
Industry Position: 8.9% above the Credit Services median (#214 of 407)
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
Get the complete analysis for CAS:SLF
PE Ratio (TTM) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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