XTUN:BIAT'
s Pretax Margin % Range Over the Past 10 Years
Min: 33.24 Med: 38.53 Max: 43.35
Current: 37.52
XTUN:BIAT's Pretax Margin % is ranked better than 56.35% of 1528
companies
in the Banks industry
Industry Median: 34.715
vs XTUN:BIAT: 37.52
Banque Internationale Arabe de Tunisie (XTUN:BIAT) Pretax Margin % Explanation
The pretax margin, as know as pretax profit margin, is widely used to measure the operating efficiency of a company before deducting taxes.
The pretax margin is sometimes preferred over the net margin as tax expenditures can make profitability comparisons between companies misleading.
It is a useful tool to compare companies operating in the same sector and less effective when comparing companies from other sectors as each industry generally has different operating expenses and sales patterns.
The long term trend of the pretax margin is a good indicator of the competitiveness and health of the business.
Banque Internationale Arabe de Tunisie Pretax Margin % Related Terms
Banque Internationale Arabe de Tunisie Pretax Margin % 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 Pretax Margin % Chart
Banque Internationale Arabe de Tunisie Annual Data
For the Banks - Regional subindustry, Banque Internationale Arabe de Tunisie's Pretax Margin %, along with its competitors' market caps and Pretax 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 Internationale Arabe de Tunisie Pretax Margin % vs Banks Industry
* 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 (XTUN:BIAT) has a Pretax Margin % of 37.52% as of Dec. 2025. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Banque Internationale Arabe de Tunisie and its competitors. This is near median its historical median of 38.53. Over the past decade, Banque Internationale Arabe de Tunisie's Pretax Margin % has ranged from 33.24 to 43.35. According to the industry distribution chart, Banque Internationale Arabe de Tunisie ranks #667 out of 1528 companies in the Banks industry, placing it in the top 43.7%.
Is Banque Internationale Arabe de Tunisie's Pretax Margin % too high?
Banque Internationale Arabe de Tunisie's current Pretax Margin % of 37.52% is near median its 10-year median of 38.53. Over the past 10 years, this metric has ranged from a low of 33.24 to a high of 43.35. The Banks industry median Pretax Margin % is 34.72. Banque Internationale Arabe de Tunisie's value of 37.52% is 8.1% above this industry median. Based on the distribution chart, Banque Internationale Arabe de Tunisie ranks #667 out of 1528 companies in the Banks industry, which is above the industry midpoint. Overall, Banque Internationale Arabe de Tunisie has a GF Score™ of 79/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Banque Internationale Arabe de Tunisie's Pretax Margin % compare to PNC and USB?
According to the Banks industry distribution chart, Banque Internationale Arabe de Tunisie ranks #667 out of 1528 companies for Pretax Margin %. This puts Banque Internationale Arabe de Tunisie in the upper half of its industry. The industry median Pretax Margin % is 34.72. Banque Internationale Arabe de Tunisie's value of 37.52% is 8.1% above this benchmark. Historically, Banque Internationale Arabe de Tunisie's own Pretax Margin % has ranged from 33.24 to 43.35 over the past decade. While the company's 10-year median is 38.53 vs. the industry median of 34.72, 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 Pretax Margin % for a Banks company?
The median Pretax Margin % among Banks companies is 34.72, based on 1,528 companies in the industry. Companies in the top quartile (top 25%) have a Pretax Margin % significantly above this median, while those in the bottom quartile fall well below. However, Pretax Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Banque Internationale Arabe de Tunisie's current Pretax Margin % of 37.52% is 8.1% 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 Pretax Margin % mean?
A high Pretax Margin % can signal that a stock is expensive relative to its fundamentals. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Banque Internationale Arabe de Tunisie and its competitors. For the Banks industry, the median Pretax Margin % is 34.72 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Banque Internationale Arabe de Tunisie's current Pretax Margin % is 37.52%, which is near median its own 10-year median of 38.53. 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 TND104.59, compared to a current price of TND169.50 — trading 62.1% above its estimated fair value. The current Pretax Margin % is 37.52%, which is near median its 10-year median of 38.53 and 8.1% above the Banks industry median of 34.72. Banque Internationale Arabe de Tunisie's overall GF Score™ is 79/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Pretax Margin % calculated?
Pretax Margin % is calculated from a company's financial statements. For Banque Internationale Arabe de Tunisie (XTUN:BIAT), the current Pretax Margin % is 37.52% 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 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 TND169.50 is trading 62.1% above its estimated GF Value™ of TND104.59.
GuruFocus considers Banque Internationale Arabe de Tunisie to be Significantly Overvalued.
Key valuation signals for XTUN:BIAT:
Pretax Margin %: 37.52% (near median its 10-year median of 38.53)
GF Value™: TND104.59 vs. price of TND169.50 (62.1% above fair value)
Industry Position: 8.1% above the Banks median (#667 of 1528)
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.
79GF Score
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