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Attijari BankXTUN:TJARI -1.58%61 EV-to-FCF is 3.43 as of Jul. 21, 2026, which is 281% above its 10-year median of 0.90. GuruFocus rates XTUN:TJARI with a GF Score™ of 61/100 and a GF Value™ of TND51.43 (Significantly Overvalued). The stock has 8 warning signs investors should review. Among 1,198 Banks companies, Attijari Bank ranks better than 64.44% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Attijari Bank's Enterprise Value is TND3,445.8 Mil.
Attijari Bank's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was TND1,004.6 Mil. Therefore, Attijari Bank's EV-to-FCF for today is 3.43.
The historical rank and industry rank for Attijari Bank's EV-to-FCF or its related term are showing as below:
XTUN:TJARI'
s EV-to-FCF Range Over the Past 10 Years
Min: -22.47 Med: 0.9 Max: 114.5
Current: 3.51
During the past 13 years, the highest EV-to-FCF of Attijari Bank was 114.50. The lowest was -22.47. And the median was 0.90.
XTUN:TJARI's EV-to-FCF is ranked better than 64.44% of 1198
companies
in the Banks industry
Industry Median: 6.68
vs XTUN:TJARI: 3.51
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.
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.
Attijari Bank's PE Ratio (TTM) for today is calculated as:
Attijari Bank's share price for today is TND99.99.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Attijari Bank's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was TND4.700.
* 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.
Attijari Bank EV-to-FCF Related Terms
Attijari Bank EV-to-FCF Historical Data
* Premium members only.
The historical data trend for Attijari Bank's EV-to-FCF 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.
For the Banks - Regional subindustry, Attijari Bank'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.
Attijari Bank EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Attijari Bank's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Attijari Bank's EV-to-FCF falls into.
Attijari Bank's current Enterprise Value is TND3,445.8 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Attijari Bank's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was TND1,004.6 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.
Attijari Bank (XTUN:TJARI) has a EV-to-FCF of 3.43 as of Jul. 21, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Attijari Bank and its competitors. This is 281% above median its historical median of 0.90. According to the industry distribution chart, Attijari Bank ranks #426 out of 1198 companies in the Banks industry, placing it in the top 35.6%.
Is Attijari Bank's EV-to-FCF too high?
Attijari Bank's current EV-to-FCF of 3.43 is 281% above median its 10-year median of 0.90. The Banks industry median EV-to-FCF is 6.68. Attijari Bank's value of 3.43 is 48.7% below this industry median. Based on the distribution chart, Attijari Bank ranks #426 out of 1198 companies in the Banks industry, which is above the industry midpoint. Overall, Attijari Bank has a GF Score™ of 61/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Attijari Bank's EV-to-FCF compare to PNC and USB?
According to the Banks industry distribution chart, Attijari Bank ranks #426 out of 1198 companies for EV-to-FCF. This puts Attijari Bank in the upper half of its industry. The industry median EV-to-FCF is 6.68. Attijari Bank's value of 3.43 is 48.7% below this benchmark. While the company's 10-year median is 0.90 vs. the industry median of 6.68, Attijari Bank 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 6.68, 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. Attijari Bank's current EV-to-FCF of 3.43 is 48.7% 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 Attijari Bank and its competitors. For the Banks industry, the median EV-to-FCF is 6.68 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Attijari Bank's current EV-to-FCF is 3.43, which is 281% above median its own 10-year median of 0.90. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Attijari Bank stock overvalued right now?
Based on GuruFocus' analysis, Attijari Bank (XTUN:TJARI) is currently considered Significantly Overvalued. The stock's GF Value™ is TND51.43, compared to a current price of TND99.99 — trading 94.4% above its estimated fair value. The current EV-to-FCF is 3.43, which is 281% above median its 10-year median of 0.90 and 48.7% below the Banks industry median of 6.68. Attijari Bank's overall GF Score™ is 61/100 with 8 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 Attijari Bank (XTUN:TJARI), the current EV-to-FCF is 3.43 as of Jul. 21, 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 Attijari Bank (XTUN:TJARI) Overvalued in 2026?
Based on GuruFocus' analysis, Attijari Bank stock appears to be overvalued.
The current stock price of TND99.99 is trading 94.4% above its estimated GF Value™ of TND51.43.
GuruFocus considers Attijari Bank to be Significantly Overvalued.
Key valuation signals for XTUN:TJARI:
EV-to-FCF: 3.43 (281% above median its 10-year median of 0.90)
GF Value™: TND51.43 vs. price of TND99.99 (94.4% above fair value)
Industry Position: 48.7% below the Banks median (#426 of 1198)
No single metric tells the full story. See the XTUN:TJARI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Attijari Bank is a Tunisian banking service provider. It caters to individuals, businesses, and freelancers through its Retail and Corporate banking segments. The individual's avail of retail banking services comprises accounts, online banking, money transfers, bank cards, insurance, and providence services, while businesses benefit from Corporate banking services such as international trade, financing, and flow management solutions. The bank generates its core revenue from the interest income arising out of its lending activities.
61GF Score
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