Financials Société Maghrebine de Crédit-bail

Equities

MAB

MA0000011215

Consumer Lending

End-of-day quote Casablanca S.E. 06:00:00 2024-04-28 pm EDT 5-day change 1st Jan Change
968 MAD -0.10% Intraday chart for Société Maghrebine de Crédit-bail -0.10% +6.37%

Valuation

Fiscal Period: December 2017 2018 2019 2020 2021 2022
Capitalization 1 1,287 1,103 1,235 1,208 1,128 1,244
Enterprise Value (EV) 1 12,175 12,260 12,699 11,641 11,399 12,008
P/E ratio 13.8 x 11.1 x 11.6 x 18.8 x 11.4 x 10.5 x
Yield 5.38% 6.27% 5.61% 3.44% 6.13% 5.56%
Capitalization / Revenue 0.44 x 0.36 x 0.37 x 0.39 x 0.34 x 0.35 x
EV / Revenue 4.19 x 4 x 3.84 x 3.72 x 3.4 x 3.42 x
EV / EBITDA - - - - - -
EV / FCF - - - - - -
FCF Yield - - - - - -
Price to Book 1.5 x 1.24 x 1.33 x 1.31 x 1.15 x 1.21 x
Nbr of stocks (in thousands) 1,384 1,384 1,384 1,384 1,384 1,384
Reference price 2 930.0 797.0 892.0 873.0 815.0 899.0
Announcement Date 3/28/20 3/25/20 3/25/20 6/1/21 2/14/23 3/27/23
1MAD in Million2MAD
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2017 2018 2019 2020 2021 2022
Net sales 1 2,905 3,068 3,311 3,125 3,355 3,510
EBITDA - - - - - -
EBIT - - - - - -
Operating Margin - - - - - -
Earnings before Tax (EBT) 1 153.4 175.5 179.2 101.6 175.7 201
Net income 1 93.32 100.2 106.6 64.24 99.05 119
Net margin 3.21% 3.27% 3.22% 2.06% 2.95% 3.39%
EPS 2 67.40 72.00 76.60 46.41 71.56 85.94
Free Cash Flow - - - - - -
FCF margin - - - - - -
FCF Conversion (EBITDA) - - - - - -
FCF Conversion (Net income) - - - - - -
Dividend per Share 2 50.00 50.00 50.00 30.00 50.00 50.00
Announcement Date 3/28/20 3/25/20 3/25/20 6/1/21 2/14/23 3/27/23
1MAD in Million2MAD
Estimates

Balance Sheet Analysis

Fiscal Period: December 2017 2018 2019 2020 2021 2022
Net Debt 1 10,888 11,157 11,464 10,433 10,271 10,764
Net Cash position 1 - - - - - -
Leverage (Debt/EBITDA) - - - - - -
Free Cash Flow - - - - - -
ROE (net income / shareholders' equity) 11.1% 11.5% 11.8% 6.96% 10.4% 11.9%
ROA (Net income/ Total Assets) 0.8% 0.81% 0.83% 0.51% 0.83% 0.97%
Assets 1 11,659 12,395 12,816 12,532 11,970 12,230
Book Value Per Share 2 620.0 642.0 669.0 665.0 707.0 743.0
Cash Flow per Share 2 0.0300 0.0900 0.0600 0.0800 0.0900 0.0300
Capex - - - - 3.98 0.9
Capex / Sales - - - - 0.12% 0.03%
Announcement Date 3/28/20 3/25/20 3/25/20 6/1/21 2/14/23 3/27/23
1MAD in Million2MAD
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Change in Enterprise Value/EBITDA

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