Salafin S.A. (CBSE:SLF)
Morocco · Delayed Price · Currency is MAD 421.00
-4.90 (-1.15%)
At close: Oct 9, 2026
Salafin 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 | 223.49 | 223.49 | 234.29 | 250.72 | 257.62 | 265.77 |
Total Interest Expense | 63.65 | 63.98 | 65.58 | 67.25 | 68.51 | 74.76 |
Net Interest Income | 159.84 | 159.51 | 168.72 | 183.47 | 189.11 | 191.01 |
Commissions and Fees | 141.92 | 146.06 | 144.38 | 146.03 | 141.31 | 130.92 |
Other Revenue | 471.69 | 447.29 | 442.31 | 477.82 | 481.96 | 495.37 |
Revenue Before Loan Losses | 773.46 | 752.86 | 755.41 | 807.31 | 812.38 | 817.31 |
Provision for Loan Losses | 60.01 | 63.14 | 77.76 | 95.37 | 101.32 | 100.07 |
| 713.45 | 689.72 | 677.66 | 711.94 | 711.06 | 717.24 | |
Revenue Growth | 5.19% | 1.78% | -4.82% | 0.12% | -0.86% | 25.24% |
Salaries & Employee Benefits | 81.25 | 79.22 | 65.8 | 67.45 | 70.57 | 70.11 |
Cost of Services Provided | 443.76 | 426.85 | 435.89 | 475.12 | 479.17 | 489.53 |
Other Operating Expenses | -25.76 | -26.16 | -0.68 | 0.48 | 1.44 | 8.2 |
Total Operating Expenses | 508.2 | 489.38 | 511.88 | 555.03 | 563.73 | 579.88 |
Operating Income | 205.25 | 200.34 | 165.78 | 156.91 | 147.33 | 137.36 |
EBT Excluding Unusual Items | 205.25 | 200.34 | 165.78 | 156.91 | 147.33 | 137.36 |
Other Unusual Items | -7.49 | -8.89 | -9.63 | -7.6 | -7.76 | -0.4 |
Pretax Income | 197.76 | 191.44 | 156.14 | 149.31 | 139.57 | 136.95 |
Income Tax Expense | 98.3 | 95.33 | 63 | 58.73 | 53.82 | 52.23 |
Net Income | 99.46 | 96.12 | 93.15 | 90.58 | 85.75 | 84.73 |
Net Income to Common | 99.46 | 96.12 | 93.15 | 90.58 | 85.75 | 84.73 |
Net Income Growth | 1.33% | 3.19% | 2.84% | 5.63% | 1.21% | - |
Shares Outstanding (Basic) | - | 3 | 3 | 3 | 3 | 3 |
Shares Outstanding (Diluted) | - | 3 | 3 | 3 | 3 | 3 |
Shares Change | - | -0.14% | -0.59% | -1.66% | 1.21% | -4.13% |
EPS (Basic) | - | 31.00 | 30.00 | 29.00 | 27.00 | 27.00 |
EPS (Diluted) | - | 31.00 | 30.00 | 29.00 | 27.00 | 27.00 |
EPS Growth | - | 3.33% | 3.45% | 7.41% | 0% | - |
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 | - | 232.29 | -239.39 | 38.88 | 210.38 | 358.22 |
Free Cash Flow Per Share | - | 74.92 | -77.10 | 12.45 | 66.24 | 114.15 |
Dividend Per Share | 30.000 | 30.000 | 14.750 | 14.250 | 13.500 | 26.550 |
Dividend Growth | 103.39% | 103.39% | 3.51% | 5.56% | -49.15% | - |
Operating Margin | 28.77% | 29.05% | 24.46% | 22.04% | 20.72% | 19.15% |
Profit Margin | 13.94% | 13.94% | 13.74% | 12.72% | 12.06% | 11.81% |
Free Cash Flow Margin | - | 33.68% | -35.33% | 5.46% | 29.59% | 49.94% |
Effective Tax Rate | 49.70% | 49.79% | 40.34% | 39.34% | 38.56% | 38.13% |
Revenue as Reported | 833.9 | 813.64 | 817.65 | 871.24 | 877.49 | - |