XTUN:BIAT'
s Net Margin % Range Over the Past 10 Years
Min: 19.72 Med: 23.52 Max: 30.18
Current: 21.61
XTUN:BIAT's Net Margin % is ranked worse than 66.67% of 1527
companies
in the Banks industry
Industry Median: 26.95
vs XTUN:BIAT: 21.61
Banque Internationale Arabe de Tunisie (XTUN:BIAT) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Banque Internationale Arabe de Tunisie Net Margin % Related Terms
Banque Internationale Arabe de Tunisie Net Margin % 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 Net Margin % Chart
Banque Internationale Arabe de Tunisie Annual Data
For the Banks - Regional subindustry, Banque Internationale Arabe de Tunisie's Net Margin %, along with its competitors' market caps and Net 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 Internationale Arabe de Tunisie Net Margin % vs Banks Industry
* 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 Net Margin % of 21.61% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on Banque Internationale Arabe de Tunisie and its competitors. This is near median its historical median of 23.52. Over the past decade, Banque Internationale Arabe de Tunisie's Net Margin % has ranged from 19.72 to 30.18. According to the industry distribution chart, Banque Internationale Arabe de Tunisie ranks #1018 out of 1527 companies in the Banks industry, placing it in the top 66.7%.
Is Banque Internationale Arabe de Tunisie's Net Margin % too high?
Banque Internationale Arabe de Tunisie's current Net Margin % of 21.61% is near median its 10-year median of 23.52. Over the past 10 years, this metric has ranged from a low of 19.72 to a high of 30.18. The Banks industry median Net Margin % is 26.95. Banque Internationale Arabe de Tunisie's value of 21.61% is 19.8% below this industry median. Based on the distribution chart, Banque Internationale Arabe de Tunisie ranks #1018 out of 1527 companies in the Banks industry, which is below the industry midpoint. Overall, Banque Internationale Arabe de Tunisie has a GF Score™ of 63/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Banque Internationale Arabe de Tunisie's Net Margin % compare to PNC?
According to the Banks industry distribution chart, Banque Internationale Arabe de Tunisie ranks #1018 out of 1527 companies for Net Margin %. This places Banque Internationale Arabe de Tunisie in the lower half of its industry. The industry median Net Margin % is 26.95. Banque Internationale Arabe de Tunisie's value of 21.61% is 19.8% below this benchmark. Historically, Banque Internationale Arabe de Tunisie's own Net Margin % has ranged from 19.72 to 30.18 over the past decade. While the company's 10-year median is 23.52 vs. the industry median of 26.95, 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.95, based on 1,527 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Banque Internationale Arabe de Tunisie's current Net Margin % of 21.61% is 19.8% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Banque Internationale Arabe de Tunisie and its competitors. For the Banks industry, the median Net Margin % is 26.95 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Banque Internationale Arabe de Tunisie's current Net Margin % is 21.61%, which is near median its own 10-year median of 23.52. 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 TND104.70, compared to a current price of TND157.40 — trading 50.3% above its estimated fair value. The current Net Margin % is 21.61%, which is near median its 10-year median of 23.52 and 19.8% below the Banks industry median of 26.95. Banque Internationale Arabe de Tunisie's overall GF Score™ is 63/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Banque Internationale Arabe de Tunisie (XTUN:BIAT), the current Net Margin % is 21.61% 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 TND157.40 is trading 50.3% above its estimated GF Value™ of TND104.70.
GuruFocus considers Banque Internationale Arabe de Tunisie to be Significantly Overvalued.
Key valuation signals for XTUN:BIAT:
Net Margin %: 21.61% (near median its 10-year median of 23.52)
GF Value™: TND104.70 vs. price of TND157.40 (50.3% above fair value)
Industry Position: 19.8% below the Banks median (#1018 of 1527)
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.
63GF Score
Get the complete analysis for XTUN:BIAT
Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
XTUN:BIAT has been successfully added to your 
