Bank of Africa, formerly Banque Marocaine Du Commerce Exterieur SA is a full-service commercial bank with operations in Morocco and neighboring countries in Africa but also in Europe, China, and Canada. It offers a range of financial services to individual, corporate, and professional clients, including banking, insurance, and asset management. Its products include accounts, credit cards, loans, and other savings and investment products. The bank focuses on developing its core business with stronger market penetration of small and medium-sized businesses and younger customers.

Financial Strength

2/10

Name	Current	Vs Industry	Vs History
Cash-To-Debt	0.67
Equity-to-Asset	0.07
Debt-to-Equity	0.8
Debt-to-EBITDA	N/A	N/A	N/A
Interest Coverage	N/A	N/A	N/A
Piotroski F-Score	4/9	0 1 2 3 4 5 6 7 8 9
Beneish M-Score	-2.37	Manipulator Not Manipulator
WACC vs ROIC		WACC ROIC

Growth Rank

7/10

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	8.1
	3-Year EPS without NRI Growth Rate	57.9
	3-Year Book Growth Rate	5.8
	Future 3-5Y Total Revenue Growth Rate	2.92

Momentum Rank

	Name	Current	Vs Industry		Vs History
	5-Day RSI	60.59
	9-Day RSI	56.35
	14-Day RSI	54.47
	6-1 Month Momentum %	-2.5
	12-1 Month Momentum %	10.36

Liquidity Ratio

	Name	Current	Vs Industry		Vs History

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	Dividend Yield %	2.03
	Dividend Payout Ratio	0.28
	3-Year Dividend Growth Rate	-6.7
	Forward Dividend Yield %	2.03
	5-Year Yield-on-Cost %	1.59
	Shareholder Yield %	-4.85

Profitability Rank

6/10

	Name	Current	Vs Industry		Vs History
	Net Margin %	15.66
	FCF Margin %	-6.34
	ROE %	10.87
	ROA %	0.73
	Years of Profitability over Past 10-Year	10

GF Value Rank

7/10

	Name	Current	Vs Industry		Vs History
	PE Ratio	14.62
	Forward PE Ratio	12.13
	PE Ratio without NRI	14.09
	Shiller PE Ratio	17.3
	PEG Ratio	3.2
	PS Ratio	2.29
	PB Ratio	1.53
	Price-to-Tangible-Book	1.68
	EV-to-Revenue	3.08
	EV-to-FCF	-48.6
	Price-to-Projected-FCF	0.76
	Price-to-DCF (Earnings Based)	1.13
	Price-to-Graham-Number	1.03
	FCF Yield %	-2.77
	Forward Rate of Return (Yacktman) %	9.41

GF Value: MAD207.64

CAS:BOA

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