Banque Marocaine pour le Commerce et l'Industrie (CBSE:BCI)

Morocco · Delayed Price · Currency is MAD

543.00

-21.00 (-3.72%)

At close: Oct 8, 2026

CBSE:BCI Financials Overview

Financials in millions MAD. Fiscal year is January - December.

Millions MAD. Fiscal year is Jan - Dec.

Revenue & Profits

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Revenue	3,297	3,032	2,979	2,799	2,493	2,481
Revenue Growth	8.29%	1.80%	6.41%	12.30%	0.48%	15.37%
Net Income	564.58	434.83	325.15	171.22	228.62	194.11
Earnings Per Share	42.24	32.74	24.49	12.89	17.22	14.62
EPS Growth	65.94%	33.73%	89.89%	-25.10%	17.78%	24.83%

Revenue by Segment

Fiscal Year	FY 2025
Period Ending	Dec '25 Dec 31, 2025
Retail Banking	3,804
Specialized Financial Companies	32.43
Offshore Bank	116.9
Other Items	76.1
Eliminations	-85.84
Total	3,944

Cash & Debt

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Investments	5,941	5,938	5,120	4,370	3,787	4,844
Total Debt	9,107	7,613	12,075	10,477	8,952	8,879
Net Cash (Debt)	-3,166	-1,676	-6,955	-6,107	-5,165	-4,035
Net Cash Growth	-	-	-	-	-	-
Net Cash Per Share	-236.86	-126.18	-523.76	-459.88	-388.95	-303.88

Cash Flow & CapEx

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Operating Cash Flow	-206.07	-696.18	128.16	-1,081	3,955	-479.11
Capital Expenditures	-213.88	-278.02	-232	-238.92	-152.77	-72.29
Free Cash Flow	-419.95	-974.19	-103.83	-1,320	3,802	-551.4
Free Cash Flow Growth	-	-	-	-	-	-

Margins

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Profit Margin	17.13%	14.34%	10.92%	6.12%	9.17%	7.82%
FCF Margin	-12.74%	-32.13%	-3.49%	-47.15%	152.54%	-22.23%

Dividends

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Oct '26 Oct 11, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022
Dividend Per Share	18.000	-	18.000	18.000	18.000
Dividend Per Share Growth	-22.22%	-	0%	0%	-
Dividend Yield	3.31%	-	3.27%	3.62%	5.74%

Valuation

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Oct '26 Oct 11, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
PE Ratio	12.86	19.24	23.69	41.88	20.59	44.26
Forward PE	11.36	20.83	14.35	20.06	13.86	16.14
P/FCF Ratio	-	-	-	-	1.24	-
PS Ratio	2.19	2.76	2.59	2.56	1.89	3.46