Banque Internationale Arabe de Tunisie (XTUN:BIAT) E10: TND12.89 (As of Dec. 2025)


XTUN:BIAT Banque Internationale Arabe de Tunisie SA XTUN:BIAT
63 GF Score
Price TND157.40
GF Value TND104.70
Valuation Significantly Overvalued
! 7 Warning Signs
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What is Banque Internationale Arabe de Tunisie E10?

Banque Internationale Arabe de Tunisie XTUN:BIAT 63 E10 is TND12.89 as of Dec. 2025. GuruFocus rates XTUN:BIAT with a GF Score™ of 63/100 and a GF Value™ of TND104.70 (Significantly Overvalued). The stock has 7 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

Banque Internationale Arabe de Tunisie's adjusted earnings per share data for the fiscal year that ended in Dec. 2025 was TND11.450. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is TND12.89 for the trailing ten years ended in Dec. 2025.

During the past 12 months, Banque Internationale Arabe de Tunisie's average E10 Growth Rate was 4.00% per year. During the past 3 years, the average E10 Growth Rate was 5.30% per year. During the past 5 years, the average E10 Growth Rate was 7.50% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the E10 growth rate using E10 data.

During the past 13 years, the highest 3-Year average E10 Growth Rate of Banque Internationale Arabe de Tunisie was 15.70% per year. The lowest was 5.30% per year. And the median was 9.90% per year.

As of today (2026-06-29), Banque Internationale Arabe de Tunisie's current stock price is TND 157.40. Banque Internationale Arabe de Tunisie's E10 for the fiscal year that ended in Dec. 2025 was TND12.89. Banque Internationale Arabe de Tunisie's Shiller PE Ratio of today is 12.21.

During the past 13 years, the highest Shiller PE Ratio of Banque Internationale Arabe de Tunisie was 15.74. The lowest was 5.17. And the median was 7.71.


Banque Internationale Arabe de Tunisie  (XTUN:BIAT) E10 Explanation

If a company grows much fast than inflation, E10 may underestimate the company's earnings power. Shiller PE Ratio can seem to be too high even the actual P/E is low.

For the Shiller P/E, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller P/E is also called PE10.

The Shiller P/E was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

Banque Internationale Arabe de Tunisie's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=157.40/12.89
=12.21

* 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.

During the past 13 years, the highest Shiller P/E Ratio of Banque Internationale Arabe de Tunisie was 15.74. The lowest was 5.17. And the median was 7.71.


Be Aware

Shiller PE Ratio works better for cyclical companies. It gives you a better idea on the company's real earnings power.


Banque Internationale Arabe de Tunisie E10 Related Terms


Banque Internationale Arabe de Tunisie E10 Historical Data

* Premium members only.

The historical data trend for Banque Internationale Arabe de Tunisie's E10 can be seen below:

* 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 E10 Chart

Banque Internationale Arabe de Tunisie Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 10.01 11.03 11.89 12.40 12.89

Banque Internationale Arabe de Tunisie Semi-Annual Data
Dec09 Dec10 Dec11 Dec12 Dec13 Dec14 Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
E10 Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 10.01 11.03 11.89 12.40 12.89

XTUN:BIAT vs PNC, USB: E10 Comparison

For the Banks - Regional subindustry, Banque Internationale Arabe de Tunisie's Shiller PE Ratio, along with its competitors' market caps and Shiller PE Ratio 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 Shiller PE Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Banque Internationale Arabe de Tunisie's Shiller PE Ratio distribution charts can be found below:

* The bar in red indicates where Banque Internationale Arabe de Tunisie's Shiller PE Ratio falls into.


XTUN:BIAT
63GF Score
Banque Internationale Arabe de Tunisie SA XTUN:BIAT
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
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Banque Internationale Arabe de Tunisie E10 Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. When we calculate the today's Shiller P/E ratio of a stock, we use today's price divided by E10.

What is E10? How do we calculate E10?

E10 is the average of the inflation adjusted earnings of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the E10 of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the earnings from 2001 through 2010.

We adjusted the earnings of 2001 earnings data with the total inflation from 2001 through 2010 to the equivalent earnings in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart earned $1 a share in 2001, then the 2001's equivalent earnings in 2010 is $1.4 a share. If Wal-Mart earns $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 earnings in 2010 is $1.35. So on and so forth, you get the equivalent earnings of past 10 years. Then you add them together and divided the sum by 10 to get E10.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Banque Internationale Arabe de Tunisie's adjusted earnings per share data for the fiscal year that ended in Dec. 2025 was:

Adj_EPS=Earnings per Share (Diluted) /CPI of Dec. 2025 (Change)*Current CPI (Dec. 2025)
=11.45/324.0540*324.0540
=11.450

Current CPI (Dec. 2025) = 324.0540.

Banque Internationale Arabe de Tunisie Annual Data

per_share_eps CPI Adj_EPS
201612 9.446 241.432 12.679
201712 10.247 246.524 13.470
201812 11.894 251.233 15.342
201912 17.115 256.974 21.583
202012 14.282 260.474 17.768
202112 6.947 278.802 8.075
202212 7.657 296.797 8.360
202312 10.045 306.746 10.612
202412 9.299 315.605 9.548
202512 11.450 324.054 11.450

Add all the adjusted EPS together and divide 10 will get our e10.

Frequently Asked Questions Learn more about E10 →
What does a E10 of TND12.89 mean?
Banque Internationale Arabe de Tunisie (XTUN:BIAT) has a E10 of TND12.89 as of Dec. 2025. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Banque Internationale Arabe de Tunisie and its competitors.
Is Banque Internationale Arabe de Tunisie's E10 too high?
Banque Internationale Arabe de Tunisie's current E10 is TND12.89. Overall, Banque Internationale Arabe de Tunisie has a GF Score™ of 63/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Banque Internationale Arabe de Tunisie's E10 compare to PNC and USB?
Banque Internationale Arabe de Tunisie's E10 of TND12.89 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good E10 for a Banks company?
A good E10 depends on the Banks industry context. However, E10 should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high E10 mean?
A high E10 can signal that a stock is expensive relative to its fundamentals. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Banque Internationale Arabe de Tunisie and its competitors. Banque Internationale Arabe de Tunisie's current E10 is TND12.89. 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 TND104.70, compared to a current price of TND157.40 — trading 50.3% above its estimated fair value. The current E10 is TND12.89. Banque Internationale Arabe de Tunisie's overall GF Score™ is 63/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is E10 calculated?
E10 is calculated from a company's financial statements. For Banque Internationale Arabe de Tunisie (XTUN:BIAT), the current E10 is TND12.89 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 TND157.40 is trading 50.3% above its estimated GF Value™ of TND104.70. GuruFocus considers Banque Internationale Arabe de Tunisie to be Significantly Overvalued.

Key valuation signals for XTUN:BIAT:

  • E10: TND12.89
  • GF Value™: TND104.70 vs. price of TND157.40 (50.3% above fair value)
  • GF Score™: 63/100 with 7 warning signs

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 Business Description

Address 70-72 Avenue Habib Bourguiba, Tunis, TUN, 1000
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.
63GF Score

Get the complete analysis for XTUN:BIAT

E10 is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

TND157.40
Price
TND104.70
GF Value