Banque Internationale Arabe de Tunisie (XTUN:BIAT) FCF Yield %: 21.60 (As of Jul. 03, 2026) — 13% Above Median


XTUN:BIAT Banque Internationale Arabe de Tunisie SA XTUN:BIAT
79 GF Score
Price TND169.50
GF Value TND104.59
Valuation Significantly Overvalued
! 7 Warning Signs
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What is Banque Internationale Arabe de Tunisie FCF Yield %?

Banque Internationale Arabe de Tunisie XTUN:BIAT +7.69% 79 FCF Yield % is 21.60 as of Jul. 03, 2026, which is 13% above its 10-year median of 19.19. GuruFocus rates XTUN:BIAT with a GF Score™ of 79/100 and a GF Value™ of TND104.59 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 1,505 Banks companies, Banque Internationale Arabe de Tunisie ranks better than 77.74% on this metric.

FCF Yield % is calculated as Free Cash Flow divided by Market Capitalization. It is a financial solvency ratio that compares the free cash flow a company is expected to earn against its market value.

As of today, Banque Internationale Arabe de Tunisie's Trailing 12-Month Free Cash Flow is TND1,493 Mil, and Market Cap is TND6,916 Mil. Therefore, Banque Internationale Arabe de Tunisie's FCF Yield % for today is 21.60%.

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

XTUN:BIAT' s FCF Yield % Range Over the Past 10 Years
Min: -12.43   Med: 19.19   Max: 120.83
Current: 21.6


During the past 13 years, the highest FCF Yield % of Banque Internationale Arabe de Tunisie was 120.83%. The lowest was -12.43%. And the median was 19.19%.

XTUN:BIAT's FCF Yield % is ranked better than
77.74% of 1505 companies
in the Banks industry
Industry Median: 8.15 vs XTUN:BIAT: 21.60

Banque Internationale Arabe de Tunisie's FCF Margin % for the quarter that ended in Dec. 2025 was 69.09%.


Banque Internationale Arabe de Tunisie FCF Yield % Explanation

Similar to Earnings Yield %, FCF Yield % is financial solvency ratio. A lower ratio suggests a less attractive investment, indicating that investors might not receive substantial returns in proportion to their investment. Conversely, a high free cash flow yield signals that a company generates sufficient cash to comfortably meet its debts, obligations, and dividend payments, making it a promising investment choice.


Banque Internationale Arabe de Tunisie FCF Yield % Related Terms


Banque Internationale Arabe de Tunisie FCF Yield % Historical Data

* Premium members only.

The historical data trend for Banque Internationale Arabe de Tunisie's FCF Yield % 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 FCF Yield % Chart

Banque Internationale Arabe de Tunisie Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
FCF Yield %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 43.01 19.96 7.72 38.81 33.22

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
FCF Yield % 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 43.01 19.96 7.72 38.81 33.22

XTUN:BIAT vs PNC, USB: FCF Yield % Comparison

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

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

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


XTUN:BIAT
79GF Score
Banque Internationale Arabe de Tunisie SA XTUN:BIAT
FCF Yield % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Banque Internationale Arabe de Tunisie FCF Yield % Calculation

FCF Yield % is a financial solvency ratio that compares the free cash flow a company is expected to earn against its market value.

Banque Internationale Arabe de Tunisie's FCF Yield % for the fiscal year that ended in Dec. 2025 is calculated as

FCF Yield %=Free Cash Flow / Market Cap
=1493.425 / 4496.16
=33.22%

Banque Internationale Arabe de Tunisie's annualized FCF Yield % for the quarter that ended in Dec. 2025 is calculated as

FCF Yield %=Free Cash Flow * Annualized Factor / Market Cap
=1493.425 * 1 / 4496.16
=33.22%

* 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 Yield % →
What does a FCF Yield % of 21.60 mean?
Banque Internationale Arabe de Tunisie (XTUN:BIAT) has a FCF Yield % of 21.60 as of Jul. 03, 2026. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on Banque Internationale Arabe de Tunisie and its competitors. This is 13% above median its historical median of 19.19. According to the industry distribution chart, Banque Internationale Arabe de Tunisie ranks #335 out of 1505 companies in the Banks industry, placing it in the top 22.3%.
Is Banque Internationale Arabe de Tunisie's FCF Yield % too high?
Banque Internationale Arabe de Tunisie's current FCF Yield % of 21.60 is 13% above median its 10-year median of 19.19. The Banks industry median FCF Yield % is 8.15. Banque Internationale Arabe de Tunisie's value of 21.60 is 165% above this industry median. Based on the distribution chart, Banque Internationale Arabe de Tunisie ranks #335 out of 1505 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Banque Internationale Arabe de Tunisie has a GF Score™ of 79/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Banque Internationale Arabe de Tunisie's FCF Yield % compare to PNC and USB?
According to the Banks industry distribution chart, Banque Internationale Arabe de Tunisie ranks #335 out of 1505 companies for FCF Yield %. This places Banque Internationale Arabe de Tunisie in the top 22% of its industry — outperforming the majority of peers. The industry median FCF Yield % is 8.15. Banque Internationale Arabe de Tunisie's value of 21.60 is 165% above this benchmark. While the company's 10-year median is 19.19 vs. the industry median of 8.15, Banque Internationale Arabe de Tunisie has consistently been above 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 FCF Yield % for a Banks company?
The median FCF Yield % among Banks companies is 8.15, based on 1,505 companies in the industry. Companies in the top quartile (top 25%) have a FCF Yield % significantly above this median, while those in the bottom quartile fall well below. However, FCF Yield % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Banque Internationale Arabe de Tunisie's current FCF Yield % of 21.60 is 165% above 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 FCF Yield % mean?
A high FCF Yield % can signal that a stock is expensive relative to its fundamentals. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on Banque Internationale Arabe de Tunisie and its competitors. For the Banks industry, the median FCF Yield % is 8.15 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Banque Internationale Arabe de Tunisie's current FCF Yield % is 21.60, which is 13% above median its own 10-year median of 19.19. 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 TND104.59, compared to a current price of TND169.50 — trading 62.1% above its estimated fair value. The current FCF Yield % is 21.60, which is 13% above median its 10-year median of 19.19 and 165% above the Banks industry median of 8.15. Banque Internationale Arabe de Tunisie's overall GF Score™ is 79/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Yield % calculated?
FCF Yield % is calculated from a company's financial statements. For Banque Internationale Arabe de Tunisie (XTUN:BIAT), the current FCF Yield % is 21.60 as of Jul. 03, 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 TND169.50 is trading 62.1% above its estimated GF Value™ of TND104.59. GuruFocus considers Banque Internationale Arabe de Tunisie to be Significantly Overvalued.

Key valuation signals for XTUN:BIAT:

  • FCF Yield %: 21.60 (13% above median its 10-year median of 19.19)
  • GF Value™: TND104.59 vs. price of TND169.50 (62.1% above fair value)
  • GF Score™: 79/100 with 7 warning signs
  • Industry Position: 165% above the Banks median (#335 of 1505)

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.
79GF Score

Get the complete analysis for XTUN:BIAT

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

TND169.50
Price
TND104.59
GF Value