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Company data displayed is for sample purposes only and may not reflect the most current information available on Emerging Markets Information Service (EMIS).
TASLIF (تسليف)
Main Activities: Banking and Credit Intermediation
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Company Information |
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Full name Ste de Credit a la Consommation (تسليف) Headquarters P.O. Box 7533, 29 Moulay Youssef Highway, Casablanca 20000.; Casablanca; Grand Casablanca |
Status: Listed Legal Form: Other non-liability limited Operational Status: Operational Financial Auditors: El Jerari Audit & Conseil (2012) Incorporation Date: January 1, 1986 Total Employees: 45 Tel: 212 522200320/77312 |
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Company Description |
| Taslif SA is a Morocco-based company providing consumer financial product to individual customers. It was established on 01/04/1986 and the IPO was on 28/10/1997. Its financial solutions include personal loans, loans for celebrations and venues, travelling credits, retirement loans and education loans for children. Taslif SA operates through many branch offices located in several cities in Morocco, including El Jadida, Meknes, Kenitra, Agadir, Oujda and Marrakesh, among others. The Company’s | ||
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Company Analysis |
| According to the Individual - Audited financial statement for the Year of 2011, total net operating revenues decreased with -4.87%, from MAD 179,674 thousands to MAD 170,924 thousands. The results of the period reached MAD 17,811 thousands at the end of the period against MAD -90,646 thousands last year. Return on equity (Net income/Total equity) went from -49.06% to 5.95%, the Return On Asset (Net income / Total Asset) went from -5.58% to 1.20% and the Net Profit Margin (Net Income/Net Sales) went from -50.45% to 10.42% when compared to the same period of last year. The Debt to Equity Ratio (Total Liabilities/Equity) was 397.82% compared to 779.00% of last year. Finally, the Current Ratio (Current Assets/Current Liabilities) went from 0.08 to 0.10 when compared to the previous year. |
Key Executives |
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Companies with Similar Main Activities |
FULL COMPANY PROFILE
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2012 Y (non-cons) |
2011 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 |
1,332,003 |
1,489,589 |
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Current Assets |
1,162,964 |
109,314 |
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Total Liabilities |
1,025,432 |
1,190,368 |
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Shareholders Equity |
306,571 |
299,221 |
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Current Liabilities |
937,111 |
1,102,883 |
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| * All the accounts are in MAD. | ||
Income Statement
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Total Operating Revenue |
146,719 |
170,924 |
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Net Profit (Loss) |
18,087 |
17,811 |
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| * All the accounts are in MAD. | ||
Ratios
| Profitability Ratios | ||
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Return on Assets (ROA) |
1.36% |
1.2% |
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Annualised Return on Assets (ROA) |
1.36% |
1.2% |
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Return on Equity (ROE) |
5.9% |
5.95% |
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Annualised Return on Equity (ROE) |
6.04% |
9.64% |
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Return on Sales (ROS) |
12.33% |
10.42% |
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Gross Profit Margin |
100% |
100% |
| Efficiency Ratios | ||
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Current asset turnover |
0.13x |
1.56x |
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Fixed-asset turnover |
0.87x |
0.12x |
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Asset Turnover |
0.11x |
0.11x |
| Valuation figures and ratios | ||
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EBITDA |
57,038 |
66,340 |
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Enterprise value |
1,043,591 |
1,203,047 |
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Enterprise Value / EBITDA |
18.30 |
18.13 |
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Bookvalue (BV) |
240,059 |
232,556 |
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Net Cash |
-1,025,432 |
-1,190,368 |
| Liquidity Ratios | ||
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Current Ratio |
124.1% |
9.91% |
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Quick ratio |
124.1% |
9.91% |
| Leverage Ratios | ||
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Leverage ratio |
434.48% |
497.82% |
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Debt to equity |
334.48% |
397.82% |
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Debt to total assets |
76.98% |
79.91% |
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Long Term Debt to Capital |
22.37% |
22.62% |
| Market ratios | ||
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Market Capitalization/EBITDA |
0.32 |
0.19 |
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Market Cap / Net cash |
-0.02 |
-0.01 |
| Trend Ratios | ||
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Revenue Trend |
85.84% |
95.13% |
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Net Income Trend |
101.55% |
-19.65% |
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