SALAFIN (Groupe BMCE)CAS:SLF -0.92%45 5-Year Yield-on-Cost % is 6.91 as of Jul. 02, 2026, which is 94% above its 10-year median of 3.57. GuruFocus rates CAS:SLF with a GF Score™ of 45/100 and a GF Value™ of MAD578.30 (Modestly Undervalued). The stock has 2 warning signs investors should review. Among 211 Credit Services companies, SALAFIN (Groupe BMCE) ranks better than 70.62% on this metric.
SALAFIN (Groupe BMCE)'s yield on cost for the quarter that ended in Dec. 2025 was 6.91.
The historical rank and industry rank for SALAFIN (Groupe BMCE)'s 5-Year Yield-on-Cost % or its related term are showing as below:
CAS:SLF'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 2.04 Med: 3.57 Max: 6.94
Current: 6.91
During the past 13 years, SALAFIN (Groupe BMCE)'s highest Yield on Cost was 6.94. The lowest was 2.04. And the median was 3.57.
CAS:SLF's 5-Year Yield-on-Cost % is ranked better than 70.62% of 211
companies
in the Credit Services industry
Industry Median: 4.58
vs CAS:SLF: 6.91
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
SALAFIN (Groupe BMCE) 5-Year Yield-on-Cost % Related Terms
CAS:SLF vs V, MA, AXP: 5-Year Yield-on-Cost % Comparison
For the Credit Services subindustry, SALAFIN (Groupe BMCE)'s 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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) 5-Year Yield-on-Cost % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, SALAFIN (Groupe BMCE)'s 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where SALAFIN (Groupe BMCE)'s 5-Year Yield-on-Cost % falls into.
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
SALAFIN (Groupe BMCE) (CAS:SLF) has a 5-Year Yield-on-Cost % of 6.91 as of Jul. 02, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on SALAFIN (Groupe BMCE) and its competitors. This is 94% above median its historical median of 3.57. Over the past decade, SALAFIN (Groupe BMCE)'s 5-Year Yield-on-Cost % has ranged from 2.04 to 6.94. According to the industry distribution chart, SALAFIN (Groupe BMCE) ranks #62 out of 211 companies in the Credit Services industry, placing it in the top 29.4%.
Is SALAFIN (Groupe BMCE)'s 5-Year Yield-on-Cost % too high?
SALAFIN (Groupe BMCE)'s current 5-Year Yield-on-Cost % of 6.91 is 94% above median its 10-year median of 3.57. Over the past 10 years, this metric has ranged from a low of 2.04 to a high of 6.94. The Credit Services industry median 5-Year Yield-on-Cost % is 4.58. SALAFIN (Groupe BMCE)'s value of 6.91 is 50.9% above this industry median. Based on the distribution chart, SALAFIN (Groupe BMCE) ranks #62 out of 211 companies in the Credit Services industry, which is above the industry midpoint. Overall, SALAFIN (Groupe BMCE) has a GF Score™ of 45/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does SALAFIN (Groupe BMCE)'s 5-Year Yield-on-Cost % compare to V and MA?
According to the Credit Services industry distribution chart, SALAFIN (Groupe BMCE) ranks #62 out of 211 companies for 5-Year Yield-on-Cost %. This puts SALAFIN (Groupe BMCE) in the upper half of its industry. The industry median 5-Year Yield-on-Cost % is 4.58. SALAFIN (Groupe BMCE)'s value of 6.91 is 50.9% above this benchmark. Historically, SALAFIN (Groupe BMCE)'s own 5-Year Yield-on-Cost % has ranged from 2.04 to 6.94 over the past decade. While the company's 10-year median is 3.57 vs. the industry median of 4.58, 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 5-Year Yield-on-Cost % for a Credit Services company?
The median 5-Year Yield-on-Cost % among Credit Services companies is 4.58, based on 211 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. SALAFIN (Groupe BMCE)'s current 5-Year Yield-on-Cost % of 6.91 is 50.9% 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on SALAFIN (Groupe BMCE) and its competitors. For the Credit Services industry, the median 5-Year Yield-on-Cost % is 4.58 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. SALAFIN (Groupe BMCE)'s current 5-Year Yield-on-Cost % is 6.91, which is 94% above median its own 10-year median of 3.57. 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 MAD578.30, compared to a current price of MAD430.00 — trading 25.6% below its estimated fair value. The current 5-Year Yield-on-Cost % is 6.91, which is 94% above median its 10-year median of 3.57 and 50.9% above the Credit Services industry median of 4.58. SALAFIN (Groupe BMCE)'s overall GF Score™ is 45/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For SALAFIN (Groupe BMCE) (CAS:SLF), the current 5-Year Yield-on-Cost % is 6.91 as of Jul. 02, 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 MAD430.00 is trading 25.6% below its estimated GF Value™ of MAD578.30.
GuruFocus considers SALAFIN (Groupe BMCE) to be Modestly Undervalued.
Key valuation signals for CAS:SLF:
5-Year Yield-on-Cost %: 6.91 (94% above median its 10-year median of 3.57)
GF Value™: MAD578.30 vs. price of MAD430.00 (25.6% below fair value)
Industry Position: 50.9% above the Credit Services median (#62 of 211)
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.
45GF Score
Get the complete analysis for CAS:SLF
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