Banque de Tunisie (XTUN:BT) OCF Margin %: -53.34% (As of Dec. 2025)


XTUN:BT Banque de Tunisie SA XTUN:BT
95 GF Score
Price TND6.83
GF Value TND5.98
Valuation Modestly Overvalued
! 1 Warning Sign
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What is Banque de Tunisie OCF Margin %?

Banque de Tunisie XTUN:BT 95 OCF Margin % is -53.34% as of Dec. 2025. 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 1,501 Banks companies, Banque de Tunisie ranks worse than 86.74% on this metric.

OCF Margin % is calculated as Cash Flow from Operations divided by its Revenue. Banque de Tunisie's Cash Flow from Operations for the six months ended in Dec. 2025 was TND-301.4 Mil. Banque de Tunisie's Revenue for the six months ended in Dec. 2025 was TND565.1 Mil. Therefore, Banque de Tunisie's OCF Margin % for the quarter that ended in Dec. 2025 was -53.34%.

As of today, Banque de Tunisie's current OCF Yield % is -16.34%.

The historical rank and industry rank for Banque de Tunisie's OCF Margin % or its related term are showing as below:

XTUN:BT' s OCF Margin % Range Over the Past 10 Years
Min: -53.34   Med: 35.11   Max: 145.4
Current: -53.34

During the past 11 years, the highest OCF Margin % of Banque de Tunisie was 145.40%. The lowest was -53.34%. And the median was 35.11%.

XTUN:BT's OCF Margin % is ranked worse than
86.74% of 1501 companies
in the Banks industry
Industry Median: 29.44 vs XTUN:BT: -53.34

Banque de Tunisie OCF Margin % Related Terms

Banque de Tunisie OCF Margin % Historical Data

* Premium members only.

The historical data trend for Banque de Tunisie's OCF 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.

Banque de Tunisie OCF Margin % Chart

Banque de Tunisie Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
OCF Margin %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 100.46 65.55 -1.98 145.40 -53.34

Banque de Tunisie Semi-Annual Data
Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
OCF Margin % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only 100.46 65.55 -1.98 145.40 -53.34

XTUN:BT vs PNC: OCF Margin % Comparison

For the Banks - Regional subindustry, Banque de Tunisie's OCF Margin %, along with its competitors' market caps and OCF 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 OCF Margin % vs Banks Industry

For the Banks industry and Financial Services sector, Banque de Tunisie's OCF Margin % distribution charts can be found below:

* The bar in red indicates where Banque de Tunisie's OCF Margin % falls into.


XTUN:BT
95GF Score
Banque de Tunisie SA XTUN:BT
OCF Margin % is just one metric. See GF Score™, valuation, warning signs, and more.
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Banque de Tunisie OCF Margin % Calculation

OCF Margin % is the ratio of Cash Flow from Operations divided by net sales or Revenue, usually presented in percent.

Banque de Tunisie's OCF Margin for the fiscal year that ended in Dec. 2025 is calculated as

OCF Margin=Cash Flow from Operations (A: Dec. 2025 )/Revenue (A: Dec. 2025 )
=-301.39/565.079
=-53.34 %

Banque de Tunisie's OCF Margin for the quarter that ended in Dec. 2025 is calculated as

OCF Margin=Cash Flow from Operations (Q: Dec. 2025 )/Revenue (Q: Dec. 2025 )
=-301.39/565.079
=-53.34 %

* 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 OCF Margin % →
What does a OCF Margin % of -53.34% mean?
Banque de Tunisie (XTUN:BT) has a OCF Margin % of -53.34% as of Dec. 2025. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Banque de Tunisie and its competitors. According to the industry distribution chart, Banque de Tunisie ranks #1302 out of 1501 companies in the Banks industry, placing it in the top 86.7%.
Is Banque de Tunisie's OCF Margin % too high?
Banque de Tunisie's current OCF Margin % is -53.34%. Based on the distribution chart, Banque de Tunisie ranks #1302 out of 1501 companies in the Banks industry, which is in the bottom quartile 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 OCF Margin % compare to PNC?
According to the Banks industry distribution chart, Banque de Tunisie ranks #1302 out of 1501 companies for OCF Margin %. This places Banque de Tunisie in the lower half of its industry. The industry median OCF Margin % is 29.44. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good OCF Margin % for a Banks company?
The median OCF Margin % among Banks companies is 29.44, based on 1,501 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Banque de Tunisie and its competitors. For the Banks industry, the median OCF Margin % is 29.44 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Banque de Tunisie's current OCF Margin % is -53.34%. 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 OCF Margin % is -53.34%. 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 OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For Banque de Tunisie (XTUN:BT), the current OCF Margin % is -53.34% 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:

  • OCF Margin %: -53.34%
  • GF Value™: TND5.98 vs. price of TND6.83 (14.2% above fair value)
  • GF Score™: 95/100 with 1 warning sign

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 Business Description

Address 2, Rue Turkey, Tunis, TUN, 1001
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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OCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

TND6.83
Price
TND5.98
GF Value