Banque de TunisieXTUN:BT 95 Pretax Margin % is 62.63% as of Dec. 2025, which is 4% above its 10-year median of 60.03. 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 1,530 Banks companies, Banque de Tunisie ranks better than 93.79% on this metric.
The historical rank and industry rank for Banque de Tunisie's Pretax Margin % or its related term are showing as below:
XTUN:BT'
s Pretax Margin % Range Over the Past 10 Years
Min: 49.64 Med: 60.03 Max: 66.15
Current: 62.63
XTUN:BT's Pretax Margin % is ranked better than 93.79% of 1530
companies
in the Banks industry
Industry Median: 34.715
vs XTUN:BT: 62.63
Banque de Tunisie (XTUN:BT) 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 de Tunisie Pretax Margin % Related Terms
Banque de Tunisie Pretax Margin % Historical Data
* Premium members only.
The historical data trend for Banque de Tunisie's Pretax 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, Banque 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 de Tunisie Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Banque de Tunisie's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Banque de Tunisie's Pretax 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.
Banque de Tunisie (XTUN:BT) has a Pretax Margin % of 62.63% as of Dec. 2025. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Banque de Tunisie and its competitors. This is near median its historical median of 60.03. Over the past decade, Banque de Tunisie's Pretax Margin % has ranged from 49.64 to 66.15. According to the industry distribution chart, Banque de Tunisie ranks #95 out of 1530 companies in the Banks industry, placing it in the top 6.2%.
Is Banque de Tunisie's Pretax Margin % too high?
Banque de Tunisie's current Pretax Margin % of 62.63% is near median its 10-year median of 60.03. Over the past 10 years, this metric has ranged from a low of 49.64 to a high of 66.15. The Banks industry median Pretax Margin % is 34.72. Banque de Tunisie's value of 62.63% is 80.4% above this industry median. Based on the distribution chart, Banque de Tunisie ranks #95 out of 1530 companies in the Banks industry, which is in the top quartile — a strong position 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 Pretax Margin % compare to PNC and USB?
According to the Banks industry distribution chart, Banque de Tunisie ranks #95 out of 1530 companies for Pretax Margin %. This places Banque de Tunisie in the top 6% of its industry — outperforming the majority of peers. The industry median Pretax Margin % is 34.72. Banque de Tunisie's value of 62.63% is 80.4% above this benchmark. Historically, Banque de Tunisie's own Pretax Margin % has ranged from 49.64 to 66.15 over the past decade. While the company's 10-year median is 60.03 vs. the industry median of 34.72, 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 Pretax Margin % for a Banks company?
The median Pretax Margin % among Banks companies is 34.72, based on 1,530 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 de Tunisie's current Pretax Margin % of 62.63% is 80.4% 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 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 de Tunisie's current Pretax Margin % is 62.63%, which is near median its own 10-year median of 60.03. 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 Pretax Margin % is 62.63%, which is near median its 10-year median of 60.03 and 80.4% above the Banks industry median of 34.72. 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 Pretax Margin % calculated?
Pretax Margin % is calculated from a company's financial statements. For Banque de Tunisie (XTUN:BT), the current Pretax Margin % is 62.63% 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:
Pretax Margin %: 62.63% (near median its 10-year median of 60.03)
GF Value™: TND5.98 vs. price of TND6.83 (14.2% above fair value)
Industry Position: 80.4% above the Banks median (#95 of 1530)
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
Get the complete analysis for XTUN:BT
Pretax Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
XTUN:BT has been successfully added to your 
