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Banque Marocaine pour le Commerce et l'Industrie (CBSE:BCI)
Morocco flag Morocco · Delayed Price · Currency is MAD
615.00
+2.20 (0.36%)
At close: Aug 10, 2026

CBSE:BCI Financials Overview

Millions MAD. Fiscal year is Jan - Dec.

Revenue & Profits
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingMar '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Revenue
3,1363,0322,9792,7992,4932,481
Revenue Growth
5.54%1.80%6.41%12.30%0.48%15.37%
Net Income
489.91434.83325.15171.22228.62194.11
Earnings Per Share
36.8932.7424.4912.8917.2214.62
EPS Growth
49.81%33.73%89.89%-25.10%17.78%24.83%

Revenue by Segment
Chart
Fiscal YearFY 2025
Period EndingDec '25
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
Chart
Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingMar '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Cash & Investments
3,9625,9385,1204,3703,7874,844
Total Debt
12,9637,61312,07510,4778,9528,879
Net Cash (Debt)
-9,001-1,676-6,955-6,107-5,165-4,035
Net Cash Growth
------
Net Cash Per Share
-677.82-126.18-523.76-459.88-388.95-303.88

Cash Flow & CapEx
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingMar '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Operating Cash Flow
--696.18128.16-1,0813,955-479.11
Capital Expenditures
--278.02-232-238.92-152.77-72.29
Free Cash Flow
--974.19-103.83-1,3203,802-551.4
Free Cash Flow Growth
------

Margins
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingMar '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Profit Margin
15.62%14.34%10.92%6.12%9.17%7.82%
FCF Margin
--32.13%-3.49%-47.15%152.54%-22.23%

Dividends
Chart
Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022
Period EndingAug '26 Dec '25 Dec '24 Dec '23 Dec '22
Dividend Per Share
18.000-18.00018.00018.000
Dividend Per Share Growth
-22.22%-0%0%-
Dividend Yield
2.93%-3.27%3.62%5.74%

Valuation
Chart
Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingAug '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
PE Ratio
16.6719.2423.6941.8820.5944.26
Forward PE
14.6420.8314.3520.0613.8616.14
P/FCF Ratio
----1.24-
PS Ratio
2.602.762.592.561.893.46