Attijari BankXTUN:TJARI 69 Net Margin % is 30.28% as of Dec. 2025, which is 3% above its 10-year median of 29.50. GuruFocus rates XTUN:TJARI with a GF Score™ of 69/100 and a GF Value™ of TND51.33 (Significantly Overvalued). The stock has 8 warning signs investors should review. Among 1,528 Banks companies, Attijari Bank ranks better than 64.59% on this metric.
Net margin is calculated as Net Income divided by its Revenue. Attijari Bank's Net Income for the
six
months ended in Dec. 2025 was TND119.2 Mil. Attijari Bank's Revenue for the
six
months ended in Dec. 2025 was TND393.5 Mil. Therefore, Attijari Bank's net margin for the quarter that ended in Dec. 2025 was 30.28%.
The historical rank and industry rank for Attijari Bank's Net Margin % or its related term are showing as below:
XTUN:TJARI'
s Net Margin % Range Over the Past 10 Years
Min: 25.23 Med: 29.5 Max: 31.92
Current: 30.98
XTUN:TJARI's Net Margin % is ranked better than 64.59% of 1528
companies
in the Banks industry
Industry Median: 26.845
vs XTUN:TJARI: 30.98
Attijari Bank (XTUN:TJARI) 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.
Attijari Bank Net Margin % Related Terms
Attijari Bank Net Margin % Historical Data
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The historical data trend for Attijari Bank'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, Attijari Bank'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.
Attijari Bank Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Attijari Bank's Net Margin % distribution charts can be found below:
* The bar in red indicates where Attijari Bank'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.
Attijari Bank (XTUN:TJARI) has a Net Margin % of 30.28% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on Attijari Bank and its competitors. This is near median its historical median of 29.50. Over the past decade, Attijari Bank's Net Margin % has ranged from 25.23 to 31.92. According to the industry distribution chart, Attijari Bank ranks #541 out of 1528 companies in the Banks industry, placing it in the top 35.4%.
Is Attijari Bank's Net Margin % too high?
Attijari Bank's current Net Margin % of 30.28% is near median its 10-year median of 29.50. Over the past 10 years, this metric has ranged from a low of 25.23 to a high of 31.92. The Banks industry median Net Margin % is 26.85. Attijari Bank's value of 30.28% is 12.8% above this industry median. Based on the distribution chart, Attijari Bank ranks #541 out of 1528 companies in the Banks industry, which is above the industry midpoint. Overall, Attijari Bank has a GF Score™ of 69/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Attijari Bank's Net Margin % compare to PNC and USB?
According to the Banks industry distribution chart, Attijari Bank ranks #541 out of 1528 companies for Net Margin %. This puts Attijari Bank in the upper half of its industry. The industry median Net Margin % is 26.85. Attijari Bank's value of 30.28% is 12.8% above this benchmark. Historically, Attijari Bank's own Net Margin % has ranged from 25.23 to 31.92 over the past decade. While the company's 10-year median is 29.50 vs. the industry median of 26.85, Attijari Bank 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 26.85, based on 1,528 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. Attijari Bank's current Net Margin % of 30.28% is 12.8% 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 Attijari Bank and its competitors. For the Banks industry, the median Net Margin % is 26.85 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Attijari Bank's current Net Margin % is 30.28%, which is near median its own 10-year median of 29.50. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Attijari Bank stock overvalued right now?
Based on GuruFocus' analysis, Attijari Bank (XTUN:TJARI) is currently considered Significantly Overvalued. The stock's GF Value™ is TND51.33, compared to a current price of TND70.68 — trading 37.7% above its estimated fair value. The current Net Margin % is 30.28%, which is near median its 10-year median of 29.50 and 12.8% above the Banks industry median of 26.85. Attijari Bank's overall GF Score™ is 69/100 with 8 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 Attijari Bank (XTUN:TJARI), the current Net Margin % is 30.28% 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 Attijari Bank (XTUN:TJARI) Overvalued in 2026?
Based on GuruFocus' analysis, Attijari Bank stock appears to be overvalued.
The current stock price of TND70.68 is trading 37.7% above its estimated GF Value™ of TND51.33.
GuruFocus considers Attijari Bank to be Significantly Overvalued.
Key valuation signals for XTUN:TJARI:
Net Margin %: 30.28% (near median its 10-year median of 29.50)
GF Value™: TND51.33 vs. price of TND70.68 (37.7% above fair value)
Industry Position: 12.8% above the Banks median (#541 of 1528)
No single metric tells the full story. See the XTUN:TJARI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Attijari Bank is a Tunisian banking service provider. It caters to individuals, businesses, and freelancers through its Retail and Corporate banking segments. The individual's avail of retail banking services comprises accounts, online banking, money transfers, bank cards, insurance, and providence services, while businesses benefit from Corporate banking services such as international trade, financing, and flow management solutions. The bank generates its core revenue from the interest income arising out of its lending activities.
69GF Score
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