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A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
XTUN:BIAT'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.21 Med: 0.38 Max: 0.47
Current: 0.39
During the past 13 years, the highest Debt-to-Equity Ratio of Banque Internationale Arabe de Tunisie was 0.47. The lowest was 0.21. And the median was 0.38.
XTUN:BIAT's Debt-to-Equity is ranked better than 62.23% of 1411
companies
in the Banks industry
Industry Median: 0.58
vs XTUN:BIAT: 0.39
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
Banque Internationale Arabe de Tunisie Debt-to-Equity Related Terms
Banque Internationale Arabe de Tunisie Debt-to-Equity Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Banque Internationale Arabe de Tunisie Debt-to-Equity Chart
Banque Internationale Arabe de Tunisie Annual Data
For the Banks - Regional subindustry, Banque Internationale Arabe de Tunisie's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Banque Internationale Arabe de Tunisie Debt-to-Equity vs Banks Industry
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Banque Internationale Arabe de Tunisie (XTUN:BIAT) has a Debt-to-Equity of 0.39 as of Dec. 2025. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Banque Internationale Arabe de Tunisie and its competitors. This is near median its historical median of 0.38. Over the past decade, Banque Internationale Arabe de Tunisie's Debt-to-Equity has ranged from 0.21 to 0.47. According to the industry distribution chart, Banque Internationale Arabe de Tunisie ranks #533 out of 1411 companies in the Banks industry, placing it in the top 37.8%.
Is Banque Internationale Arabe de Tunisie's Debt-to-Equity too high?
Banque Internationale Arabe de Tunisie's current Debt-to-Equity of 0.39 is near median its 10-year median of 0.38. Over the past 10 years, this metric has ranged from a low of 0.21 to a high of 0.47. The Banks industry median Debt-to-Equity is 0.58. Banque Internationale Arabe de Tunisie's value of 0.39 is 32.8% below this industry median. Based on the distribution chart, Banque Internationale Arabe de Tunisie ranks #533 out of 1411 companies in the Banks industry, which is above the industry midpoint. Overall, Banque Internationale Arabe de Tunisie has a GF Score™ of 75/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Banque Internationale Arabe de Tunisie's Debt-to-Equity compare to USB?
According to the Banks industry distribution chart, Banque Internationale Arabe de Tunisie ranks #533 out of 1411 companies for Debt-to-Equity. This puts Banque Internationale Arabe de Tunisie in the upper half of its industry. The industry median Debt-to-Equity is 0.58. Banque Internationale Arabe de Tunisie's value of 0.39 is 32.8% below this benchmark. Historically, Banque Internationale Arabe de Tunisie's own Debt-to-Equity has ranged from 0.21 to 0.47 over the past decade. While the company's 10-year median is 0.38 vs. the industry median of 0.58, Banque Internationale Arabe de Tunisie has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.58, based on 1,411 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Banque Internationale Arabe de Tunisie's current Debt-to-Equity of 0.39 is 32.8% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Banque Internationale Arabe de Tunisie and its competitors. For the Banks industry, the median Debt-to-Equity is 0.58 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Banque Internationale Arabe de Tunisie's current Debt-to-Equity is 0.39, which is near median its own 10-year median of 0.38. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Banque Internationale Arabe de Tunisie stock overvalued right now?
Based on GuruFocus' analysis, Banque Internationale Arabe de Tunisie (XTUN:BIAT) is currently considered Significantly Overvalued. The stock's GF Value™ is TND103.58, compared to a current price of TND161.20 — trading 55.6% above its estimated fair value. The current Debt-to-Equity is 0.39, which is near median its 10-year median of 0.38 and 32.8% below the Banks industry median of 0.58. Banque Internationale Arabe de Tunisie's overall GF Score™ is 75/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Banque Internationale Arabe de Tunisie (XTUN:BIAT), the current Debt-to-Equity is 0.39 as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Banque Internationale Arabe de Tunisie (XTUN:BIAT) Overvalued in 2026?
Based on GuruFocus' analysis, Banque Internationale Arabe de Tunisie stock appears to be overvalued.
The current stock price of TND161.20 is trading 55.6% above its estimated GF Value™ of TND103.58.
GuruFocus considers Banque Internationale Arabe de Tunisie to be Significantly Overvalued.
Key valuation signals for XTUN:BIAT:
Debt-to-Equity: 0.39 (near median its 10-year median of 0.38)
GF Value™: TND103.58 vs. price of TND161.20 (55.6% above fair value)
Industry Position: 32.8% below the Banks median (#533 of 1411)
No single metric tells the full story. See the XTUN:BIAT stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Banque Internationale Arabe de Tunisie SA is a Tunisia-based banking services provider. The crux of its operations involves Retail Banking and Funding and Investment Banking Business. Under the Retail Banking umbrella, it provides deposit products and loans to individuals, and institutions in agriculture and fishing, industry, construction, olive oil, trading, tourism, transport, telecom, service, and other sectors. The Investment Banking services include corporate finance, venture capital, a securities portfolio and financial holdings management, asset management, and debt recovery. The bank generates a majority of its revenue in the form of interest income.
75GF Score
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