Salafin SA

Salafin SA has a basic capital structure with 3,124,119 shares outstanding, both basic and diluted, indicating no immediate dilution pressure from share-based compensation or convertible instruments. However, liquidity risk could not be assessed due to the absence of balance-sheet inputs and no going-concern language in source documents.

Profitability and return metrics are not available for comparison against industry benchmarks, as the valuation snapshot and custom valuations data are currently empty. This lack of data limits the ability to assess the company's performance relative to its peers in the consumer lending industry.

The company's revenue concentration and geographic exposure are not disclosed in the available data, making it difficult to evaluate the risk associated with its business segments or regional dependencies.

Growth trajectory is also unclear, as the outlook for the current and next fiscal years is not provided. Without historical revenue data or forward-looking guidance, it is not possible to determine the company's growth rate or future expectations.

Risk factors include the inability to assess liquidity risk, which could impact the company's ability to meet short-term obligations. The dilution risk is currently low, but the absence of detailed financial disclosures limits the ability to fully evaluate potential dilution sources.

Recent events and filings are not detailed in the available data, so no specific developments or disclosures can be reported at this time.

Operating income surged 22.6% year-over-year to MAD 191.4 million, demonstrating significant improvement in core operational profitability.

Net income grew 3.2% annually over four years, reaching MAD 96.1 million in the latest fiscal period.

Long-term debt decreased from MAD 2.44 billion in 2020 to MAD 1.96 billion in the prior fiscal year.

The company generated positive free cash flow of MAD 9.4 million in the latest fiscal period.

Dilution risk is assessed as low, suggesting limited immediate threat to existing shareholder equity value.

Revenue declined at a 0.9% compound annual growth rate over the last four years, indicating stagnant top-line performance.

Total assets contracted at a 2.6% compound annual growth rate over four years, reflecting balance sheet shrinkage.

Equity declined at a 1.7% compound annual growth rate over four years, showing erosion in shareholder capital base.

Gross profit fell to MAD 384.0 million in the latest period, down from MAD 399.3 million in 2021.

Revenue MAD 463.4M, −0,9% YoY; Operating income +7,0% YoY.

• ▍Revenue MAD 463.4M, −0,9% YoY
• ▍Operating income +7,0% YoY
• ▍Net income +5,6% YoY
• ▍Free cash flow +117,5% YoY
• ▍Net margin 19.5%

Revenue MAD 467.8M, +0,8% YoY; Operating income +1,9% YoY.

• ▍Revenue MAD 467.8M, +0,8% YoY
• ▍Operating income +1,9% YoY
• ▍Net income +1,2% YoY
• ▍Free cash flow −0,6% YoY
• ▍Net margin 18.3%

Revenue MAD 463.9M; Operating income MAD 137.0M.

• ▍Revenue MAD 463.9M
• ▍Operating income MAD 137.0M
• ▍Net margin 18.3%