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Société Maghrébine de MonétiqueCBSE:S2M Stock Report

Market Cap د.م475.1m
Share Price
د.م585.00
د.م183.02
219.6% overvalued intrinsic discount
1Y30.6%
7D4.5%
Portfolio Value
​
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Société Maghrébine de Monétique

CBSE:S2M Stock Report

Market Cap: د.م475.1m

Société Maghrébine de Monétique (S2M) Stock Overview

Engages in the development, integration, and maintenance of electronic-payment solutions in Morocco and internationally. More details

S2M fundamental analysis
Snowflake Score
Valuation2/6
Future Growth0/6
Past Performance3/6
Financial Health6/6
Dividends0/6

Rewards

Price-To-Earnings ratio (14.6x) is below the MA market (21.7x)

Earnings grew by 10.7% over the past year

Risk Analysis

Large one-off items impacting financial results

Volatile share price over the past 3 months compared to the MA market

Does not have a meaningful market cap (MAD475M)


S2M Community Fair Values

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Société Maghrébine de Monétique

S2M has demonstrated steady financial performance and is well-positioned within the growing electronic payments industry.

Considerations for the Next Five Years: Industry Trends: The global shift towards digital payments and e-commerce may present growth opportunities for companies like S2M that specialize in electronic payment solutions.​ Financial Stability: Consistent revenue and net income growth indicate a stable financial position, which could support future expansion and innovation.​ Market Position: S2M's established presence in the Moroccan market positions it to potentially benefit from increasing demand for electronic payment services.​ S2M has demonstrated steady financial performance and is well-positioned within the growing electronic payments industry. Its future performance over the next five years will depend on its ability to capitalize on industry trends and maintain financial stability.
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د.م183.02
FV
219.6% overvalued intrinsic discount
1.42%
Revenue growth p.a.
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US$6.85
69.1% undervalued intrinsic discount
Fair Value
Profit Margin
20.14%
Future PE
22x
Price in 2031
US$11.03

Société Maghrébine de Monétique Competitors

Price History & Performance

Summary of share price highs, lows and changes for Société Maghrébine de Monétique
Historical stock prices
Current Share Priceد.م585.00
52 Week Highد.م825.00
52 Week Lowد.م430.00
Beta-0.060
1 Month Change6.36%
3 Month Change0.86%
1 Year Change30.58%
3 Year Change240.12%
5 Year Change249.15%
Change since IPO77.27%

Recent News & Updates

Recent updates

Shareholder Returns

S2MMA SoftwareMA Market
7D4.5%4.7%4.9%
1Y30.6%24.0%12.7%

Return vs Industry: S2M exceeded the MA Software industry which returned 24% over the past year.

Return vs Market: S2M exceeded the MA Market which returned 12.7% over the past year.

Price Volatility

Is S2M's price volatile compared to industry and market?
S2M volatility
S2M Average Weekly Movement7.6%
Software Industry Average Movement7.9%
Market Average Movement6.3%
10% most volatile stocks in MA Market8.8%
10% least volatile stocks in MA Market3.9%

Stable Share Price: S2M's share price has been volatile over the past 3 months compared to the MA market.

Volatility Over Time: S2M's weekly volatility (8%) has been stable over the past year, but is still higher than 75% of MA stocks.

About the Company

FoundedEmployeesCEOWebsite
1983213Rachid Abou El Bals2mworldwide.com

Société Maghrébine de Monétique engages in the development, integration, and maintenance of electronic-payment solutions in Morocco and internationally. The company offers payment solutions, such as merchant solutions, payment gateways, payment channel management, issuing cards, risk and fraud management, prepaid and loan management, as well as payment activity management.; e-wallets, and mobile banking and payment services; outsourcing services that includes turnkey service and fraud detection and prevention system. It also provides card personalization and instant issuing, BNPL, Islamic payment management, tokenization, 3D Secure-ACS solution, multi-currency card, cashback program, soft POS solutions, instant payment, and agency banking.

Société Maghrébine de Monétique Fundamentals Summary

How do Société Maghrébine de Monétique's earnings and revenue compare to its market cap?
S2M fundamental statistics
Market capد.م475.06m
Earnings (TTM)د.م32.56m
Revenue (TTM)د.م366.85m
14.6x
P/E Ratio
1.3x
P/S Ratio

Is S2M overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
S2M income statement (TTM)
Revenueد.م366.85m
Cost of Revenueد.م303.03m
Gross Profitد.م63.81m
Other Expensesد.م31.26m
Earningsد.م32.56m

Last Reported Earnings

Dec 31, 2025

Next Earnings Date

n/a

Earnings per share (EPS)40.09
Gross Margin17.40%
Net Profit Margin8.88%
Debt/Equity Ratio0%

How did S2M perform over the long term?

See historical performance and comparison

Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2026/04/16 18:38
End of Day Share Price 2026/04/16 00:00
Earnings2025/12/31
Annual Earnings2025/12/31

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.

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 Github.

Analyst Sources

Société Maghrébine de Monétique is covered by 1 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Hicham SaadaniBmce Capital Bourse