Banque de TunisieXTUN:BT 95 Dividend Payout Ratio is 0.47 as of Dec. 2025, which is 18% above its 10-year median of 0.40. 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 1,169 Banks companies, Banque de Tunisie ranks worse than 73.4% on this metric.
The Dividend Payout Ratio is the measure of dividends paid out to shareholders relative to the company's net income. It is calculated as the Dividends per Share divided by the Earnings per Share (Diluted) during the same time period. Banque de Tunisie's Dividend Payout Ratio for the
months ended in Dec. 2025 was 0.47.
The historical rank and industry rank for Banque de Tunisie's Dividend Payout Ratio or its related term are showing as below:
XTUN:BT'
s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.37 Med: 0.4 Max: 0.53
Current: 0.47
During the past 11 years, the highest Dividend Payout Ratio of Banque de Tunisie was 0.53. The lowest was 0.37. And the median was 0.40.
XTUN:BT's Dividend Payout Ratio is ranked worse than 73.4% of 1169
companies
in the Banks industry
Industry Median: 0.32
vs XTUN:BT: 0.47
During the past 12 months, Banque de Tunisie's average Dividends Per Share Growth Rate was 20.70% per year.
During the past 3 years, the average Dividends Per Share Growth Rate was 14.50% per year.
During the past 11 years, the highest 3-Year average Dividends Per Share Growth Rate of Banque de Tunisie was 14.50% per year. The lowest was -0.20% per year. And the median was 3.45% per year.
The growth rate is calculated with least square regression.
For more information regarding to dividend, please check our Dividend Page.
* Please note that "special dividend" is not included in the calculation of dividend per share and related fields.
Banque de Tunisie (XTUN:BT) Dividend Payout Ratio Explanation
In dividends investing, Dividend Payout Ratio and Dividend Growth Rate are the two most important variables for consideration. A lower payout ratio may indicate that the company has more room to increase its dividends.
Banque de Tunisie Dividend Payout Ratio Related Terms
Banque de Tunisie Dividend Payout Ratio Historical Data
* Premium members only.
The historical data trend for Banque de Tunisie's Dividend Payout Ratio 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.
XTUN:BT vs PNC, USB: Dividend Payout Ratio Comparison
For the Banks - Regional subindustry, Banque de Tunisie's Dividend Payout Ratio, along with its competitors' market caps and Dividend Payout Ratio 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 Dividend Payout Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Banque de Tunisie's Dividend Payout Ratio distribution charts can be found below:
* The bar in red indicates where Banque de Tunisie's Dividend Payout Ratio falls into.
Banque de Tunisie Dividend Payout Ratio Calculation
The Dividend Payout Ratio is the measure of dividends paid out to shareholders relative to the company's net income. It is calculated as the Dividends per Share divided by the Earnings per Share (Diluted) during the same time period.
Banque de Tunisie's Dividend Payout Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* 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 Dividend Payout Ratio of 0.47 as of Dec. 2025. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on Banque de Tunisie and its competitors. This is 18% above median its historical median of 0.40. Over the past decade, Banque de Tunisie's Dividend Payout Ratio has ranged from 0.37 to 0.53. According to the industry distribution chart, Banque de Tunisie ranks #858 out of 1169 companies in the Banks industry, placing it in the top 73.4%.
Is Banque de Tunisie's Dividend Payout Ratio too high?
Banque de Tunisie's current Dividend Payout Ratio of 0.47 is 18% above median its 10-year median of 0.40. Over the past 10 years, this metric has ranged from a low of 0.37 to a high of 0.53. The Banks industry median Dividend Payout Ratio is 0.32. Banque de Tunisie's value of 0.47 is 46.9% above this industry median. Based on the distribution chart, Banque de Tunisie ranks #858 out of 1169 companies in the Banks industry, which is below the industry midpoint. 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 Dividend Payout Ratio compare to PNC and USB?
According to the Banks industry distribution chart, Banque de Tunisie ranks #858 out of 1169 companies for Dividend Payout Ratio. This places Banque de Tunisie in the lower half of its industry. The industry median Dividend Payout Ratio is 0.32. Banque de Tunisie's value of 0.47 is 46.9% above this benchmark. Historically, Banque de Tunisie's own Dividend Payout Ratio has ranged from 0.37 to 0.53 over the past decade. While the company's 10-year median is 0.40 vs. the industry median of 0.32, 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 Dividend Payout Ratio for a Banks company?
The median Dividend Payout Ratio among Banks companies is 0.32, based on 1,169 companies in the industry. Companies in the top quartile (top 25%) have a Dividend Payout Ratio significantly above this median, while those in the bottom quartile fall well below. However, Dividend Payout Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Banque de Tunisie's current Dividend Payout Ratio of 0.47 is 46.9% 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 Dividend Payout Ratio mean?
A high Dividend Payout Ratio can signal that a stock is expensive relative to its fundamentals. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on Banque de Tunisie and its competitors. For the Banks industry, the median Dividend Payout Ratio is 0.32 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Banque de Tunisie's current Dividend Payout Ratio is 0.47, which is 18% above median its own 10-year median of 0.40. 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 Dividend Payout Ratio is 0.47, which is 18% above median its 10-year median of 0.40 and 46.9% above the Banks industry median of 0.32. 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 Dividend Payout Ratio calculated?
Dividend Payout Ratio is calculated from a company's financial statements. For Banque de Tunisie (XTUN:BT), the current Dividend Payout Ratio is 0.47 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:
Dividend Payout Ratio: 0.47 (18% above median its 10-year median of 0.40)
GF Value™: TND5.98 vs. price of TND6.83 (14.2% above fair value)
Industry Position: 46.9% above the Banks median (#858 of 1169)
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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