Banque Internationale Arabe de Tunisie (XTUN:BIAT) LT-Debt-to-Total-Asset: 0.04 (As of Dec. 2025)

What is Banque Internationale Arabe de Tunisie LT-Debt-to-Total-Asset?

Banque Internationale Arabe de Tunisie XTUN:BIAT 78 LT-Debt-to-Total-Asset is 0.04 as of Dec. 2025. GuruFocus rates XTUN:BIAT with a GF Score™ of 78/100 and a GF Value™ of TND104.44 (Significantly Overvalued). The stock has 7 warning signs investors should review.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. Banque Internationale Arabe de Tunisie's long-term debt to total assests ratio for the quarter that ended in Dec. 2025 was 0.04.

Banque Internationale Arabe de Tunisie's long-term debt to total assets ratio declined from Dec. 2023 (0.04) to Dec. 2025 (0.04). It may suggest that Banque Internationale Arabe de Tunisie is progressively becoming less dependent on debt to grow their business.

Banque Internationale Arabe de Tunisie (XTUN:BIAT) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

Banque Internationale Arabe de Tunisie LT-Debt-to-Total-Asset Related Terms

Banque Internationale Arabe de Tunisie LT-Debt-to-Total-Asset Historical Data

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The historical data trend for Banque Internationale Arabe de Tunisie's LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset Chart

Banque Internationale Arabe de Tunisie Annual Data

Trend

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Dec25

LT-Debt-to-Total-Asset

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0.04

0.03

0.04

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
LT-Debt-to-Total-Asset	Get a 7-Day Free Trial												0.04	0.04	0.04	0.03	0.04

78GF Score

Banque Internationale Arabe de Tunisie SA XTUN:BIAT

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Banque Internationale Arabe de Tunisie LT-Debt-to-Total-Asset Calculation

Banque Internationale Arabe de Tunisie's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as

LT Debt to Total Assets (A: Dec. 2025 )	=	Long-Term Debt & Capital Lease Obligation (A: Dec. 2025 )	/	Total Assets (A: Dec. 2025 )
	=	995.537	/	28795.764
	=	0.03

Banque Internationale Arabe de Tunisie's Long-Term Debt to Total Asset Ratio for the quarter that ended in Dec. 2025 is calculated as

LT Debt to Total Assets (Q: Dec. 2025 )	=	Long-Term Debt & Capital Lease Obligation (Q: Dec. 2025 )	/	Total Assets (Q: Dec. 2025 )
	=	995.537	/	28795.764
	=	0.03

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →

What does a LT-Debt-to-Total-Asset of 0.04 mean?

Banque Internationale Arabe de Tunisie (XTUN:BIAT) has a LT-Debt-to-Total-Asset of 0.04 as of Dec. 2025. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Banque Internationale Arabe de Tunisie and its competitors.

Is Banque Internationale Arabe de Tunisie's LT-Debt-to-Total-Asset too high?

Banque Internationale Arabe de Tunisie's current LT-Debt-to-Total-Asset is 0.04. 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 LT-Debt-to-Total-Asset compare to PNC and USB?

Banque Internationale Arabe de Tunisie's LT-Debt-to-Total-Asset of 0.04 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 LT-Debt-to-Total-Asset for a Banks company?

A good LT-Debt-to-Total-Asset depends on the Banks industry context. However, LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset mean?

A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Banque Internationale Arabe de Tunisie and its competitors. Banque Internationale Arabe de Tunisie's current LT-Debt-to-Total-Asset is 0.04. 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 TND104.44, compared to a current price of TND168.30 — trading 61.1% above its estimated fair value. The current LT-Debt-to-Total-Asset is 0.04. 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 LT-Debt-to-Total-Asset calculated?

LT-Debt-to-Total-Asset is calculated from a company's financial statements. For Banque Internationale Arabe de Tunisie (XTUN:BIAT), the current LT-Debt-to-Total-Asset is 0.04 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 TND168.30 is trading 61.1% above its estimated GF Value™ of TND104.44. GuruFocus considers Banque Internationale Arabe de Tunisie to be Significantly Overvalued.

Key valuation signals for XTUN:BIAT:

LT-Debt-to-Total-Asset: 0.04
GF Value™: TND104.44 vs. price of TND168.30 (61.1% above fair value)
GF Score™: 78/100 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

Industry Financial Services Banks

Comparable Companies XTUN:TJARI XTUN:BT XTUN:BNA XTUN:UIB XTUN:STB XTUN:UBCI XTUN:BH SGX:D05 SHSE:600036 MIL:UCG XPAR:BNP NSE:HDFCBANK MIL:ISP TSE:8411 SAU:1120 NSE:ICICIBANK NSE:SBIN XMAD:CABK PNC USB

Address 70-72 Avenue Habib Bourguiba, Tunis, TUN, 1000

Website https://www.biat.com.tn

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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LT-Debt-to-Total-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

TND168.30

Price

TND104.44

GF Value

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