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XTUN:BIAT's EV-to-FCF is ranked better than 63.11% of 1198
companies
in the Banks industry
Industry Median: 6.565
vs XTUN:BIAT: 3.68
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Banque Internationale Arabe de Tunisie (XTUN:BIAT) EV-to-FCF Explanation
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Banque Internationale Arabe de Tunisie's PE Ratio (TTM) for today is calculated as:
Banque Internationale Arabe de Tunisie's share price for today is TND168.30.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Banque Internationale Arabe de Tunisie's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was TND11.450.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Banque Internationale Arabe de Tunisie EV-to-FCF Related Terms
Banque Internationale Arabe de Tunisie EV-to-FCF 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 EV-to-FCF Chart
Banque Internationale Arabe de Tunisie Annual Data
For the Banks - Regional subindustry, Banque Internationale Arabe de Tunisie's EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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 EV-to-FCF vs Banks Industry
Banque Internationale Arabe de Tunisie's current Enterprise Value is TND5,494 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Banque Internationale Arabe de Tunisie's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was TND1,493 Mil.
* 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 EV-to-FCF of 3.68 as of Jul. 13, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Banque Internationale Arabe de Tunisie and its competitors. This is 1050% above median its historical median of 0.32. According to the industry distribution chart, Banque Internationale Arabe de Tunisie ranks #442 out of 1198 companies in the Banks industry, placing it in the top 36.9%.
Is Banque Internationale Arabe de Tunisie's EV-to-FCF too high?
Banque Internationale Arabe de Tunisie's current EV-to-FCF of 3.68 is 1050% above median its 10-year median of 0.32. The Banks industry median EV-to-FCF is 6.57. Banque Internationale Arabe de Tunisie's value of 3.68 is 43.9% below this industry median. Based on the distribution chart, Banque Internationale Arabe de Tunisie ranks #442 out of 1198 companies in the Banks industry, which is above the industry midpoint. Overall, Banque Internationale Arabe de Tunisie has a GF Score™ of 78/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Banque Internationale Arabe de Tunisie's EV-to-FCF compare to PNC and USB?
According to the Banks industry distribution chart, Banque Internationale Arabe de Tunisie ranks #442 out of 1198 companies for EV-to-FCF. This puts Banque Internationale Arabe de Tunisie in the upper half of its industry. The industry median EV-to-FCF is 6.57. Banque Internationale Arabe de Tunisie's value of 3.68 is 43.9% below this benchmark. While the company's 10-year median is 0.32 vs. the industry median of 6.57, 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 EV-to-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.57, based on 1,198 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Banque Internationale Arabe de Tunisie's current EV-to-FCF of 3.68 is 43.9% 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 EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Banque Internationale Arabe de Tunisie and its competitors. For the Banks industry, the median EV-to-FCF is 6.57 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Banque Internationale Arabe de Tunisie's current EV-to-FCF is 3.68, which is 1050% above median its own 10-year median of 0.32. 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 TND104.43, compared to a current price of TND168.30 — trading 61.2% above its estimated fair value. The current EV-to-FCF is 3.68, which is 1050% above median its 10-year median of 0.32 and 43.9% below the Banks industry median of 6.57. Banque Internationale Arabe de Tunisie's overall GF Score™ is 78/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Banque Internationale Arabe de Tunisie (XTUN:BIAT), the current EV-to-FCF is 3.68 as of Jul. 13, 2026. 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 TND168.30 is trading 61.2% above its estimated GF Value™ of TND104.43.
GuruFocus considers Banque Internationale Arabe de Tunisie to be Significantly Overvalued.
Key valuation signals for XTUN:BIAT:
EV-to-FCF: 3.68 (1050% above median its 10-year median of 0.32)
GF Value™: TND104.43 vs. price of TND168.30 (61.2% above fair value)
Industry Position: 43.9% below the Banks median (#442 of 1198)
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
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.
78GF Score
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