Banque de TunisieXTUN:BT 95 Net Margin % is 35.89% as of Dec. 2025, which is 5% below its 10-year median of 37.82. 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 1,527 Banks companies, Banque de Tunisie ranks better than 76.82% on this metric.
The historical rank and industry rank for Banque de Tunisie's Net Margin % or its related term are showing as below:
XTUN:BT'
s Net Margin % Range Over the Past 10 Years
Min: 24.65 Med: 37.82 Max: 47.65
Current: 35.89
XTUN:BT's Net Margin % is ranked better than 76.82% of 1527
companies
in the Banks industry
Industry Median: 26.95
vs XTUN:BT: 35.89
Banque de Tunisie (XTUN:BT) 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 de Tunisie Net Margin % Related Terms
Banque de Tunisie Net Margin % Historical Data
* Premium members only.
The historical data trend for Banque de Tunisie's Net 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.
For the Banks - Regional subindustry, Banque 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 de Tunisie Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Banque de Tunisie's Net Margin % distribution charts can be found below:
* The bar in red indicates where Banque de Tunisie's Net Margin % falls into.
* 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 (XTUN:BT) has a Net Margin % of 35.89% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on Banque de Tunisie and its competitors. This is near median its historical median of 37.82. Over the past decade, Banque de Tunisie's Net Margin % has ranged from 24.65 to 47.65. According to the industry distribution chart, Banque de Tunisie ranks #354 out of 1527 companies in the Banks industry, placing it in the top 23.2%.
Is Banque de Tunisie's Net Margin % too high?
Banque de Tunisie's current Net Margin % of 35.89% is near median its 10-year median of 37.82. Over the past 10 years, this metric has ranged from a low of 24.65 to a high of 47.65. The Banks industry median Net Margin % is 26.95. Banque de Tunisie's value of 35.89% is 33.2% above this industry median. Based on the distribution chart, Banque de Tunisie ranks #354 out of 1527 companies in the Banks industry, which is in the top quartile — a strong position 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 Net Margin % compare to PNC?
According to the Banks industry distribution chart, Banque de Tunisie ranks #354 out of 1527 companies for Net Margin %. This places Banque de Tunisie in the top 23% of its industry — outperforming the majority of peers. The industry median Net Margin % is 26.95. Banque de Tunisie's value of 35.89% is 33.2% above this benchmark. Historically, Banque de Tunisie's own Net Margin % has ranged from 24.65 to 47.65 over the past decade. While the company's 10-year median is 37.82 vs. the industry median of 26.95, Banque 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 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 de Tunisie's current Net Margin % of 35.89% is 33.2% 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 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 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 de Tunisie's current Net Margin % is 35.89%, which is near median its own 10-year median of 37.82. 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 Net Margin % is 35.89%, which is near median its 10-year median of 37.82 and 33.2% above the Banks industry median of 26.95. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Banque de Tunisie (XTUN:BT), the current Net Margin % is 35.89% 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:
Net Margin %: 35.89% (near median its 10-year median of 37.82)
GF Value™: TND5.98 vs. price of TND6.83 (14.2% above fair value)
Industry Position: 33.2% above the Banks median (#354 of 1527)
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 SA provides banking services. It offers banking and financial services to corporate, commercial, institutional and individual customers.
95GF Score
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