Stock SLF SALAFIN S.A.
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Financials Salafin S.A.

Equities

SLF

MA0000011744

Consumer Lending

End-of-day quote Casablanca S.E.
Other stock markets
 06:00:00 2024-05-23 pm EDT 		5-day change 1st Jan Change
589 MAD -1.83% Intraday chart for Salafin S.A. -6.51% +13.27%
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 2018 2019 2020 2021 2022 2023
Capitalization 1 2,155 2,350 1,417 2,124 1,781 1,625
Enterprise Value (EV) 1 4,360 4,410 3,283 4,038 3,525 3,123
P/E ratio 20.9 x 18.1 x -96.2 x 25.2 x 21.1 x 17.9 x
Yield - 5.51% - 3.9% 2.37% 2.74%
Capitalization / Revenue 2.53 x 2.8 x 2.47 x 2.96 x 2.5 x 2.28 x
EV / Revenue 5.12 x 5.26 x 5.73 x 5.63 x 4.96 x 4.39 x
EV / EBITDA - - - - - -
EV / FCF - - - - - -
FCF Yield - - - - - -
Price to Book 2.41 x 2.22 x 1.49 x 2.28 x 2.08 x 1.88 x
Nbr of stocks (in thousands) 2,394 2,945 2,945 3,124 3,124 3,124
Reference price 2 900.0 798.0 481.0 680.0 570.0 520.0
Announcement Date 8/27/20 8/27/20 5/11/21 1/15/22 4/27/23 4/30/24
1MAD in Million2MAD
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Net sales 1 851.3 838.5 572.7 717.2 711.1 711.9
EBITDA - - - - - -
EBIT - - - - - -
Operating Margin - - - - - -
Earnings before Tax (EBT) 1 182 204.6 -14.06 137 139.6 149.3
Net income 1 127.1 130.4 -16.37 84.73 85.75 90.58
Net margin 14.93% 15.55% -2.86% 11.81% 12.06% 12.72%
EPS 2 43.00 44.00 -5.000 27.00 27.00 29.00
Free Cash Flow - - - - - -
FCF margin - - - - - -
FCF Conversion (EBITDA) - - - - - -
FCF Conversion (Net income) - - - - - -
Dividend per Share - 44.00 - 26.55 13.50 14.25
Announcement Date 8/27/20 8/27/20 5/11/21 1/15/22 4/27/23 4/30/24
1MAD in Million2MAD
Estimates

Balance Sheet Analysis

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Net Debt 1 2,205 2,060 1,867 1,914 1,744 1,498
Net Cash position 1 - - - - - -
Leverage (Debt/EBITDA) - - - - - -
Free Cash Flow - - - - - -
ROE (net income / shareholders' equity) 14.6% 12.1% -1.58% 8.72% 9.58% 10.5%
ROA (Net income/ Total Assets) 3.08% 2.66% -0.35% 1.93% 2.03% 2.23%
Assets 1 4,126 4,906 4,717 4,398 4,221 4,056
Book Value Per Share 2 373.0 360.0 324.0 299.0 274.0 276.0
Cash Flow per Share 2 0.0200 0.0200 0.0200 0.0200 0.0300 0.0200
Capex 1 344 9.56 6.55 6.66 8.43 5.54
Capex / Sales 40.45% 1.14% 1.14% 0.93% 1.19% 0.78%
Announcement Date 8/27/20 8/27/20 5/11/21 1/15/22 4/27/23 4/30/24
1MAD in Million2MAD
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Change in Enterprise Value/EBITDA

Annual profits - Rate of surprise

Company calendar

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Other Consumer Lending
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