Stock SLF SALAFIN
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Financials SALAFIN Casablanca S.E.

Equities

SLF

Consumer Lending

End-of-day quote Casablanca S.E.
Other stock markets
 		5-day change 1st Jan Change
- MAD -.--% Intraday chart for SALAFIN -.--% -.--%
Mar. 29 Salafin S.A. Reports Earnings Results for the Full Year Ended December 31, 2023 CI
2023 Salafin S.A. Reports Earnings Results for the Half Year Ended June 30, 2023 CI

Valuation

Fiscal Period: December 2017 2018 2019 2020 2021 2022
Capitalization 1 2,143 2,155 2,350 1,417 2,124 1,781
Enterprise Value (EV) 1 3,573 4,360 4,410 3,283 4,038 3,525
P/E ratio 15.3 x 20.9 x 18.1 x -96.2 x 25.2 x 21.1 x
Yield 6.54% - 5.51% - 3.9% 2.37%
Capitalization / Revenue 2.58 x 2.53 x 2.8 x 2.47 x 2.96 x 2.5 x
EV / Revenue 4.3 x 5.12 x 5.26 x 5.73 x 5.63 x 4.96 x
EV / EBITDA - - - - - -
EV / FCF - - - - - -
FCF Yield - - - - - -
Price to Book 3.33 x 2.41 x 2.22 x 1.49 x 2.28 x 2.08 x
Nbr of stocks (in thousands) 2,394 2,394 2,945 2,945 3,124 3,124
Reference price 2 895.0 900.0 798.0 481.0 680.0 570.0
Announcement Date 12/18/18 8/27/20 8/27/20 5/11/21 1/15/22 4/27/23
1MAD in Million2MAD
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2017 2018 2019 2020 2021 2022
Net sales 1 830.4 851.3 838.5 572.7 717.2 711.1
EBITDA - - - - - -
EBIT - - - - - -
Operating Margin - - - - - -
Earnings before Tax (EBT) 1 219.6 182 204.6 -14.06 137 139.6
Net income 1 140.2 127.1 130.4 -16.37 84.73 85.75
Net margin 16.88% 14.93% 15.55% -2.86% 11.81% 12.06%
EPS 2 58.54 43.00 44.00 -5.000 27.00 27.00
Free Cash Flow - - - - - -
FCF margin - - - - - -
FCF Conversion (EBITDA) - - - - - -
FCF Conversion (Net income) - - - - - -
Dividend per Share 2 58.50 - 44.00 - 26.55 13.50
Announcement Date 12/18/18 8/27/20 8/27/20 5/11/21 1/15/22 4/27/23
1MAD in Million2MAD
Estimates

Balance Sheet Analysis

Fiscal Period: December 2017 2018 2019 2020 2021 2022
Net Debt 1 1,430 2,205 2,060 1,867 1,914 1,744
Net Cash position 1 - - - - - -
Leverage (Debt/EBITDA) - - - - - -
Free Cash Flow - - - - - -
ROE (net income / shareholders' equity) 21.8% 14.6% 12.1% -1.58% 8.72% 9.58%
ROA (Net income/ Total Assets) 4.11% 3.08% 2.66% -0.35% 1.93% 2.03%
Assets 1 3,407 4,126 4,906 4,717 4,398 4,221
Book Value Per Share 2 269.0 373.0 360.0 324.0 299.0 274.0
Cash Flow per Share 2 0 0.0200 0.0200 0.0200 0.0200 0.0300
Capex 1 23.2 344 9.56 6.55 6.66 8.43
Capex / Sales 2.79% 40.45% 1.14% 1.14% 0.93% 1.19%
Announcement Date 12/18/18 8/27/20 8/27/20 5/11/21 1/15/22 4/27/23
1MAD in Million2MAD
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Change in Enterprise Value/EBITDA

Annual profits - Rate of surprise

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Other Consumer Lending
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