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Banque Internationale Arabe de Tunisie (XTUN:BIAT) PE Ratio (TTM) Explanation
The PE Ratio (TTM) can be viewed as the number of years it takes for the company to earn back the price you pay for the stock. For example, if a company earns $2 a share per year, and the stock is traded at $30, the PE Ratio (TTM) is 15. Therefore it takes 15 years for the company to earn back the $30 you paid for its stock, assuming the earnings stays constant over the next 15 years.
In real business, earnings never stay constant. If a company can grow its earnings, it takes fewer years for the company to earn back the price you pay for the stock. If a company's earnings decline it takes more years. As a shareholder, you want the company to earn back the price you pay as soon as possible. Therefore, lower P/E stocks are more attractive than higher P/E stocks so long as the PE Ratio (TTM) is positive. Also for stocks with the same PE Ratio (TTM), the one with faster growth business is more attractive.
If a company loses money, the PE Ratio (TTM) becomes meaningless.
To compare stocks with different growth rates, Peter Lynch invented a ratio called PEG Ratio. PEG Ratio is defined as the PE Ratio (TTM) divided by the growth ratio. He thinks a company with a PE Ratio (TTM) equal to its growth rate is fairly valued. Still he said he would rather buy a company growing 20% a year with a PE Ratio (TTM) of 20, instead of a company growing 10% a year with a PE Ratio (TTM) of 10.
Because the PE Ratio (TTM) measures how long it takes to earn back the price you pay, the PE Ratio (TTM) can be applied to the stocks across different industries. That is why it is the one of the most important and widely used indicators for the valuation of stocks.
Investors need to be aware that the PE Ratio (TTM) can be misleading a lot of times, especially when the underlying business is cyclical and unpredictable. As Peter Lynch pointed out, cyclical businesses have higher profit margins at the peaks of the business cycles. Their earnings are high and PE Ratio (TTM)s are artificially low. It is usually a bad idea to buy a cyclical business when the PE Ratio (TTM) is low. A better ratio to identify the time to buy a cyclical businesses is the PS Ratio .
PE Ratio (TTM) can also be affected by non-recurring-items such as the sale of part of businesses. This may increase for the current year or quarter dramatically. But it cannot be repeated over and over. Therefore PE Ratio without NRI is a more accurate indication of valuation than PE Ratio (TTM).
Banque Internationale Arabe de Tunisie PE Ratio (TTM) Related Terms
Banque Internationale Arabe de Tunisie PE Ratio (TTM) 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 PE Ratio (TTM) Chart
Banque Internationale Arabe de Tunisie Annual Data
For the Banks - Regional subindustry, Banque Internationale Arabe de Tunisie's PE Ratio (TTM), along with its competitors' market caps and PE Ratio (TTM) 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 PE Ratio (TTM) vs Banks Industry
Banque Internationale Arabe de Tunisie PE Ratio (TTM) Calculation
The PE Ratio (TTM), or Price-to-Earnings ratio, or P/E Ratio, is a financial ratio used to compare a company's market price to its Earnings per Share (Diluted). It is the most widely used ratio in the valuation of stocks.
Banque Internationale Arabe de Tunisie's Share Price of today is TND185.00.
For company reported annually, GuruFocus uses latest annual data as the TTM data. Banque Internationale Arabe de Tunisie's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was TND11.45.
* 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.
It can also be calculated from the numbers for the whole company:
There are at least three kinds of PE Ratio (TTM)s used by different investors. They are Trailing Twelve Month PE Ratio (TTM) or PE Ratio (TTM) (TTM), Forward PE Ratio, or PE Ratio without NRI. A new PE Ratio (TTM) based on inflation-adjusted normalized PE Ratio (TTM) is called Shiller PE Ratio, after Yale professor Robert Shiller.
In the calculation of PE Ratio (TTM), the earnings per share used are the earnings per share over the past 12 months. For Forward PE Ratio, the earnings are the expected earnings for the next twelve months. In the case of PE Ratio without NRI, the reported earnings less the non-recurring items are used.
For Shiller PE Ratio, the earnings of the past 10 years are inflation-adjusted and averaged. Since it looks at the average over the last 10 years, Shiller PE Ratio is also called PE10.
Banque Internationale Arabe de Tunisie (XTUN:BIAT) has a PE Ratio (TTM) of 16.16 as of Jul. 19, 2026. Trailing 12-month P/E ratio is the ratio of share price to a company's trailing 12-month earnings per share. View historical data on Banque Internationale Arabe de Tunisie and its competitors. This is 73% above median its historical median of 9.33. Over the past decade, Banque Internationale Arabe de Tunisie's PE Ratio (TTM) has ranged from 3.37 to 16.16. According to the industry distribution chart, Banque Internationale Arabe de Tunisie ranks #1098 out of 1450 companies in the Banks industry, placing it in the top 75.7%.
Is Banque Internationale Arabe de Tunisie's PE Ratio (TTM) too high?
Banque Internationale Arabe de Tunisie's current PE Ratio (TTM) of 16.16 is 73% above median its 10-year median of 9.33. Over the past 10 years, this metric has ranged from a low of 3.37 to a high of 16.16. The Banks industry median PE Ratio (TTM) is 11.81. Banque Internationale Arabe de Tunisie's value of 16.16 is 36.9% above this industry median. Based on the distribution chart, Banque Internationale Arabe de Tunisie ranks #1098 out of 1450 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Banque Internationale Arabe de Tunisie has a GF Score™ of 74/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Banque Internationale Arabe de Tunisie's PE Ratio (TTM) compare to PNC and USB?
According to the Banks industry distribution chart, Banque Internationale Arabe de Tunisie ranks #1098 out of 1450 companies for PE Ratio (TTM). This places Banque Internationale Arabe de Tunisie in the lower half of its industry. The industry median PE Ratio (TTM) is 11.81. Banque Internationale Arabe de Tunisie's value of 16.16 is 36.9% above this benchmark. Historically, Banque Internationale Arabe de Tunisie's own PE Ratio (TTM) has ranged from 3.37 to 16.16 over the past decade. While the company's 10-year median is 9.33 vs. the industry median of 11.81, Banque Internationale Arabe 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 PE Ratio (TTM) for a Banks company?
The median PE Ratio (TTM) among Banks companies is 11.81, based on 1,450 companies in the industry. Companies in the top quartile (top 25%) have a PE Ratio (TTM) significantly above this median, while those in the bottom quartile fall well below. However, PE Ratio (TTM) should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Banque Internationale Arabe de Tunisie's current PE Ratio (TTM) of 16.16 is 36.9% 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 PE Ratio (TTM) mean?
A high PE Ratio (TTM) can signal that a stock is expensive relative to its fundamentals. Trailing 12-month P/E ratio is the ratio of share price to a company's trailing 12-month earnings per share. View historical data on Banque Internationale Arabe de Tunisie and its competitors. For the Banks industry, the median PE Ratio (TTM) is 11.81 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Banque Internationale Arabe de Tunisie's current PE Ratio (TTM) is 16.16, which is 73% above median its own 10-year median of 9.33. 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 TND104.33, compared to a current price of TND185.00 — trading 77.3% above its estimated fair value. The current PE Ratio (TTM) is 16.16, which is 73% above median its 10-year median of 9.33 and 36.9% above the Banks industry median of 11.81. Banque Internationale Arabe de Tunisie's overall GF Score™ is 74/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is PE Ratio (TTM) calculated?
PE Ratio (TTM) is calculated from a company's financial statements. For Banque Internationale Arabe de Tunisie (XTUN:BIAT), the current PE Ratio (TTM) is 16.16 as of Jul. 19, 2026. 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 TND185.00 is trading 77.3% above its estimated GF Value™ of TND104.33.
GuruFocus considers Banque Internationale Arabe de Tunisie to be Significantly Overvalued.
Key valuation signals for XTUN:BIAT:
PE Ratio (TTM): 16.16 (73% above median its 10-year median of 9.33)
GF Value™: TND104.33 vs. price of TND185.00 (77.3% above fair value)
Industry Position: 36.9% above the Banks median (#1098 of 1450)
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.
74GF Score
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