Société Maghrébine de Crédit-bail (CBSE:MAB)
Morocco · Delayed Price · Currency is MAD 899.00
+9.00 (1.01%)
At close: Oct 9, 2026
CBSE:MAB Income Statement
Financials in millions MAD. Fiscal year is January - December.
Millions MAD. Fiscal year is Jan - Dec.
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 |
Interest and Dividend Income | 2.47 | 2.34 | 2.77 | 2.73 | 6.49 | 1.47 |
Total Interest Expense | 409.61 | 409.61 | 401.68 | 359.15 | 246.29 | 334.36 |
Net Interest Income | -407.14 | -407.28 | -398.91 | -356.42 | -239.8 | -332.89 |
Commissions and Fees | 1.67 | 1.41 | 1.28 | 1.3 | 0.81 | 0.74 |
Other Revenue | 4,841 | 4,603 | 4,299 | 4,001 | 3,978 | 3,793 |
Revenue Before Loan Losses | 4,436 | 4,197 | 3,901 | 3,646 | 3,739 | 3,461 |
Provision for Loan Losses | 68.39 | 67.82 | 51.03 | 19.58 | 145.67 | 104.66 |
| 4,367 | 4,129 | 3,850 | 3,627 | 3,593 | 3,356 | |
Revenue Growth | 10.79% | 7.24% | 6.16% | 0.93% | 7.07% | 8.77% |
Salaries & Employee Benefits | 45.48 | 46.33 | 44.69 | 40 | 38.03 | 38.56 |
Cost of Services Provided | 4,014 | 3,804 | 3,569 | 3,355 | 3,256 | 3,138 |
Other Operating Expenses | 6.12 | 2.12 | 2.99 | 2.46 | 85.8 | 1.86 |
Total Operating Expenses | 4,069 | 3,855 | 3,619 | 3,397 | 3,380 | 3,178 |
Operating Income | 298.61 | 273.48 | 230.81 | 229.42 | 213.32 | 178.08 |
EBT Excluding Unusual Items | 298.61 | 273.48 | 230.81 | 229.42 | 213.32 | 178.08 |
Other Unusual Items | -11.84 | -11.64 | -2.13 | -12.74 | -10.18 | 2.37 |
Pretax Income | 286.77 | 261.84 | 228.67 | 215.33 | 201 | 175.71 |
Income Tax Expense | 127.55 | 113.64 | 93.04 | 87.53 | 82.05 | 76.66 |
Net Income | 159.22 | 148.2 | 135.63 | 127.81 | 118.95 | 99.05 |
Net Income to Common | 159.22 | 148.2 | 135.63 | 127.81 | 118.95 | 99.05 |
Net Income Growth | 14.28% | 9.26% | 6.12% | 7.45% | 20.09% | 54.19% |
Shares Outstanding (Basic) | - | 1 | 1 | 1 | 1 | 1 |
Shares Outstanding (Diluted) | - | 1 | 1 | 1 | 1 | 1 |
Shares Change | - | -0.00% | -0.01% | 0.01% | -0.00% | -0.00% |
EPS (Basic) | - | 107.07 | 97.99 | 92.33 | 85.94 | 71.56 |
EPS (Diluted) | - | 107.07 | 97.99 | 92.33 | 85.94 | 71.56 |
EPS Growth | - | 9.27% | 6.13% | 7.43% | 20.09% | 54.19% |
Additional Metrics
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 |
Free Cash Flow | 68.94 | 496.03 | 292.26 | -294.44 | 30.38 | -234.39 |
Free Cash Flow Per Share | - | 358.37 | 211.15 | -212.70 | 21.95 | -169.34 |
Dividend Per Share | - | 53.000 | 53.000 | 50.000 | 50.000 | 50.000 |
Dividend Growth | - | 0% | 6.00% | 0% | 0% | 66.67% |
Operating Margin | 6.84% | 6.62% | 6.00% | 6.33% | 5.94% | 5.31% |
Profit Margin | 3.65% | 3.59% | 3.52% | 3.52% | 3.31% | 2.95% |
Free Cash Flow Margin | 1.58% | 12.01% | 7.59% | -8.12% | 0.84% | -6.98% |
Effective Tax Rate | 44.48% | 43.40% | 40.69% | 40.65% | 40.82% | 43.63% |