Sanlam Maroc

CBSE:SAH Stock Report

Market Cap: د.م7.7b

Sanlam Maroc Past Earnings Performance

Past criteria checks 2/6

Sanlam Maroc's earnings have been declining at an average annual rate of -7.5%, while the Insurance industry saw earnings growing at 6.1% annually. Revenues have been growing at an average rate of 0.5% per year. Sanlam Maroc's return on equity is 10.3%, and it has net margins of 8%.

Key information

-7.5%

Earnings growth rate

-9.2%

EPS growth rate

Insurance Industry Growth5.0%
Revenue growth rate0.5%
Return on equity10.3%
Net Margin8.0%
Last Earnings Update31 Dec 2023

Recent past performance updates

Recent updates

Revenue & Expenses Breakdown

How Sanlam Maroc makes and spends money. Based on latest reported earnings, on an LTM basis.

Earnings and Revenue History

CBSE:SAH Revenue, expenses and earnings (MAD Millions)
DateRevenueEarningsG+A ExpensesR&D Expenses
31 Dec 236,9755594650
30 Sep 236,5644104730
30 Jun 236,1532614800
31 Mar 235,801954780
31 Dec 225,449-704760
30 Sep 225,725155080
30 Jun 226,0021005400
31 Mar 226,4303535290
31 Dec 216,8586075180
30 Sep 216,7716475340
30 Jun 216,6846865500
31 Mar 216,0924425660
31 Dec 205,5001985820
30 Sep 205,5111365060
30 Jun 205,522744290
31 Mar 205,9902604300
31 Dec 196,4574474300
30 Sep 196,4544394440
30 Jun 196,4504314570
31 Mar 196,2514184810
31 Dec 186,0524055040
30 Sep 185,9865005490
30 Jun 185,9205955940
31 Mar 185,8265795850
31 Dec 175,7315645750
30 Sep 175,6304576490
30 Jun 175,5283517220
31 Mar 175,3443347060
31 Dec 165,1603186910
30 Sep 164,8103436720
30 Jun 164,4613696530
31 Mar 164,4723716780
31 Dec 154,4843727040
30 Sep 154,4853747100
30 Jun 154,4863767160
31 Mar 154,4693597010
31 Dec 144,4533416870
30 Sep 144,3973476440
30 Jun 144,3423526010
31 Mar 144,2103185870
31 Dec 134,0772835740

Quality Earnings: SAH has high quality earnings.

Growing Profit Margin: SAH became profitable in the past.

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: SAH's earnings have declined by 7.5% per year over the past 5 years.

Accelerating Growth: SAH has become profitable in the last year, making the earnings growth rate difficult to compare to its 5-year average.

Earnings vs Industry: SAH has become profitable in the last year, making it difficult to compare its past year earnings growth to the Insurance industry (39.2%).

Return on Equity

High ROE: SAH's Return on Equity (10.3%) is considered low.

Return on Assets

Return on Capital Employed

Discover strong past performing companies

7D

1Y

7D

1Y

7D

1Y

Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2024/12/22 05:17
End of Day Share Price 2024/12/17 00:00
Earnings2023/12/31
Annual Earnings2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

Sanlam Maroc is covered by 2 analysts. 1 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Ranya GnabaAlphaMena
Dounia FilaliBmce Capital Bourse