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Diac Salaf (دياك سلف)
Main Activities: Banking and Credit Intermediation
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Company Information |
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Full name Société Diac Salaf (دياك سلف) Headquarters 32, Boulevard de la Résistance, Casablanca 20000.; Casablanca; Grand Casablanca |
Status: Listed Operational Status: Operational Financial Auditors: M. Mohamed Youssef SEBTI / M. Abdelali BAGHDADI (2006) Incorporation Date: January 1, 1948 Total Employees: 102 Tel: 212 22540253/251 |
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Company Description |
| Diac Salaf is a Morocco-based company was established in 01/01/1948 & its IPO date is 01/06/1962, engaged in the financial sector. It provides loans and credit facilities to individual and corporate customers. The Company's services are provided through several agencies across Morocco, located in Agadir, Casablanca, Rabat, Safi, El Jadida, Fez and Kenitra, among others. Diac Salaf is a subsidiary of Fininvest. |
Company Analysis |
| According to the Individual - Audited financial statement for the Year of 2010, total net operating revenues decreased with -19.47%, from MAD 18,565.248 thousands to MAD 14,951.371 thousands. The results of the period decreased -4.30% reaching MAD -18,099.817 thousands at the end of the period against MAD -17,353.818 thousands last year. Return on equity (Net income/Total equity) went from -11.32% to -28.46%, the Return On Asset (Net income / Total Asset) went from -4.69% to -5.34% and the Net Profit Margin (Net Income/Net Sales) went from -93.47% to -121.06% when compared to the same period of last year. The Debt to Equity Ratio (Total Liabilities/Equity) was 432.69% compared to 141.27% of last year. Finally, the Current Ratio (Current Assets/Current Liabilities) went from 1.71 to 1.23 when compared to the previous year. |
Key Executives |
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Companies with Similar Main Activities |
FULL COMPANY PROFILE
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2010 Y (non-cons) |
2009 Y (non-cons) |
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| Audited | Audited | |
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| Finglobe - MENA Spread Financial Statements | Finglobe - MENA Spread Financial Statements | |
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| Unit | Thousands | Thousands |
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Balance Sheet
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Total Assets |
338,737 |
369,940 |
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Current Assets |
338,737 |
369,940 |
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Total Liabilities |
275,147 |
216,608 |
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Shareholders Equity |
63,590 |
153,331 |
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Current Liabilities |
275,147 |
216,608 |
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| * All the accounts are in MAD. | ||
Income Statement
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Total Operating Revenue |
14,951 |
18,565 |
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Net Profit (Loss) |
-18,099 |
-17,353 |
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| * All the accounts are in MAD. | ||
Ratios
| Profitability Ratios | ||
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Return on Assets (ROA) |
-5.34% |
-4.69% |
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Annualised Return on Assets (ROA) |
-5.34% |
-4.69% |
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Return on Equity (ROE) |
-28.46% |
-11.32% |
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Annualised Return on Equity (ROE) |
-11.8% |
-12.76% |
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Return on Sales (ROS) |
-121.06% |
-93.47% |
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Return on Capital |
0% |
0% |
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Gross Profit Margin |
100% |
100% |
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Operating Profit Margin |
0% |
0% |
| Efficiency Ratios | ||
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Current asset turnover |
0.04x |
0.05x |
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Asset Turnover |
0.04x |
0.05x |
| Valuation figures and ratios | ||
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EBITDA |
4,161 |
4,971 |
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Enterprise value |
354,564 |
277,697 |
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Enterprise Value / EBITDA |
85.21 |
55.85 |
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Bookvalue (BV) |
63,590 |
153,331 |
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Net Cash |
-239,163 |
-145,969 |
| Liquidity Ratios | ||
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Current Ratio |
123.11% |
170.79% |
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Quick ratio |
123.11% |
170.79% |
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Doom's day ratio |
13.08% |
32.61% |
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Cash Flow to Debt |
0% |
-0.45% |
| Leverage Ratios | ||
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Leverage ratio |
532.69% |
241.27% |
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Debt to equity |
432.69% |
141.27% |
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Debt to total assets |
81.23% |
58.55% |
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Long Term Debt to Capital |
0% |
0% |
| Market ratios | ||
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Market Capitalization/EBITDA |
27.73 |
26.49 |
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Market Cap / Net cash |
-0.48 |
-0.90 |
| Trend Ratios | ||
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Revenue Trend |
80.53% |
65.53% |
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Net Income Trend |
104.3% |
84.13% |
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