Banque de Tunisie (XTUN:BT) FCF Margin %: -60.66% (As of Dec. 2025)


XTUN:BT Banque de Tunisie SA XTUN:BT
95 GF Score
Price TND6.83
GF Value TND5.98
Valuation Modestly Overvalued
! 1 Warning Sign
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What is Banque de Tunisie FCF Margin %?

Banque de Tunisie XTUN:BT 95 FCF Margin % is -60.66% as of Dec. 2025. GuruFocus rates XTUN:BT with a GF Score™ of 95/100 and a GF Value™ of TND5.98 (Modestly Overvalued). The stock has 1 warning sign investors should review. Among 1,504 Banks companies, Banque de Tunisie ranks worse than 87.03% on this metric.

FCF Margin % is calculated as Free Cash Flow divided by its Revenue. Banque de Tunisie's Free Cash Flow for the six months ended in Dec. 2025 was TND-342.8 Mil. Banque de Tunisie's Revenue for the six months ended in Dec. 2025 was TND565.1 Mil. Therefore, Banque de Tunisie's FCF Margin % for the quarter that ended in Dec. 2025 was -60.66%.

As of today, Banque de Tunisie's current FCF Yield % is -18.59%.

The historical rank and industry rank for Banque de Tunisie's FCF Margin % or its related term are showing as below:

XTUN:BT' s FCF Margin % Range Over the Past 10 Years
Min: -60.66   Med: 31.85   Max: 137.6
Current: -60.66

During the past 11 years, the highest FCF Margin % of Banque de Tunisie was 137.60%. The lowest was -60.66%. And the median was 31.85%.

XTUN:BT's FCF Margin % is ranked worse than
87.03% of 1504 companies
in the Banks industry
Industry Median: 26.5 vs XTUN:BT: -60.66

Banque de Tunisie FCF Margin % Related Terms

Banque de Tunisie FCF Margin % Historical Data

* Premium members only.

The historical data trend for Banque de Tunisie's FCF Margin % 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 de Tunisie FCF Margin % Chart

Banque de Tunisie Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
FCF Margin %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 97.93 60.70 -7.80 137.60 -60.66

Banque de Tunisie Semi-Annual Data
Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
FCF Margin % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only 97.93 60.70 -7.80 137.60 -60.66

XTUN:BT vs PNC: FCF Margin % Comparison

For the Banks - Regional subindustry, Banque de Tunisie's FCF Margin %, along with its competitors' market caps and FCF Margin % 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 de Tunisie FCF Margin % vs Banks Industry

For the Banks industry and Financial Services sector, Banque de Tunisie's FCF Margin % distribution charts can be found below:

* The bar in red indicates where Banque de Tunisie's FCF Margin % falls into.


XTUN:BT
95GF Score
Banque de Tunisie SA XTUN:BT
FCF Margin % is just one metric. See GF Score™, valuation, warning signs, and more.
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Banque de Tunisie FCF Margin % Calculation

FCF margin is the ratio of Free Cash Flow divided by net sales or Revenue, usually presented in percent.

Banque de Tunisie's FCF Margin for the fiscal year that ended in Dec. 2025 is calculated as

FCF Margin=Free Cash Flow (A: Dec. 2025 )/Revenue (A: Dec. 2025 )
=-342.786/565.079
=-60.66 %

Banque de Tunisie's FCF Margin for the quarter that ended in Dec. 2025 is calculated as

FCF Margin=Free Cash Flow (Q: Dec. 2025 )/Revenue (Q: Dec. 2025 )
=-342.786/565.079
=-60.66 %

* 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.

Frequently Asked Questions Learn more about FCF Margin % →
What does a FCF Margin % of -60.66% mean?
Banque de Tunisie (XTUN:BT) has a FCF Margin % of -60.66% as of Dec. 2025. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Banque de Tunisie and its competitors. According to the industry distribution chart, Banque de Tunisie ranks #1309 out of 1504 companies in the Banks industry, placing it in the top 87%.
Is Banque de Tunisie's FCF Margin % too high?
Banque de Tunisie's current FCF Margin % is -60.66%. Based on the distribution chart, Banque de Tunisie ranks #1309 out of 1504 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Banque de Tunisie has a GF Score™ of 95/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Banque de Tunisie's FCF Margin % compare to PNC?
According to the Banks industry distribution chart, Banque de Tunisie ranks #1309 out of 1504 companies for FCF Margin %. This places Banque de Tunisie in the lower half of its industry. The industry median FCF Margin % is 26.50. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.50, based on 1,504 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Banque de Tunisie and its competitors. For the Banks industry, the median FCF Margin % is 26.50 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Banque de Tunisie's current FCF Margin % is -60.66%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Banque de Tunisie stock overvalued right now?
Based on GuruFocus' analysis, Banque de Tunisie (XTUN:BT) is currently considered Modestly Overvalued. The stock's GF Value™ is TND5.98, compared to a current price of TND6.83 — trading 14.2% above its estimated fair value. The current FCF Margin % is -60.66%. Banque de Tunisie's overall GF Score™ is 95/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Banque de Tunisie (XTUN:BT), the current FCF Margin % is -60.66% 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 de Tunisie (XTUN:BT) Overvalued in 2026?

Based on GuruFocus' analysis, Banque de Tunisie stock appears to be overvalued. The current stock price of TND6.83 is trading 14.2% above its estimated GF Value™ of TND5.98. GuruFocus considers Banque de Tunisie to be Modestly Overvalued.

Key valuation signals for XTUN:BT:

  • FCF Margin %: -60.66%
  • GF Value™: TND5.98 vs. price of TND6.83 (14.2% above fair value)
  • GF Score™: 95/100 with 1 warning sign

No single metric tells the full story. See the XTUN:BT stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Banque de Tunisie Business Description

Address 2, Rue Turkey, Tunis, TUN, 1001
Banque de Tunisie SA provides banking services. It offers banking and financial services to corporate, commercial, institutional and individual customers.
95GF Score

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

TND6.83
Price
TND5.98
GF Value