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XTUN:BIAT'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: 1.49 Med: 1.6 Max: 2.07
Current: 1.7
During the past 13 years, Banque Internationale Arabe de Tunisie's highest Return-on-Tangible-Asset was 2.07%. The lowest was 1.49%. And the median was 1.60%.
XTUN:BIAT's Return-on-Tangible-Asset is ranked better than 82.38% of 1527
companies
in the Banks industry
Industry Median: 1.01
vs XTUN:BIAT: 1.70
Banque Internationale Arabe de Tunisie (XTUN:BIAT) Return-on-Tangible-Asset Explanation
Return-on-Tangible-Asset measures the rate of return on the average total tangible assets (total assets minus intangible assets). Tangible means physical in nature. Intangible Assets are assets that are not physical in nature, and typically "derive their value from legal or intellectual rights." Return-on-Tangible-Asset measures a firm's efficiency at generating profits from its tangible assets. It shows how well a company uses what it has to generate earnings. Return-on-Tangible-Assets can vary drastically across industries. Therefore, Return-on-Tangible-Asset should not be used to compare companies in different industries.
Be Aware
Like ROE and ROA, Return-on-Tangible-Asset is calculated with only 12 months data. Fluctuations in the companys earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. Return-on-Tangible-Asset can be affected by events such as stock buyback or issuance, and by a companys tax rate and its interest payment. Return-on-Tangible-Asset may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high Return-on-Tangible-Asset may indicate vulnerability in the durability of the competitive advantage.
Banque Internationale Arabe de Tunisie Return-on-Tangible-Asset Related Terms
Banque Internationale Arabe de Tunisie Return-on-Tangible-Asset 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 Return-on-Tangible-Asset Chart
Banque Internationale Arabe de Tunisie Annual Data
XTUN:BIAT vs PNC, USB: Return-on-Tangible-Asset Comparison
For the Banks - Regional subindustry, Banque Internationale Arabe de Tunisie's Return-on-Tangible-Asset, along with its competitors' market caps and Return-on-Tangible-Asset 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 Return-on-Tangible-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Banque Internationale Arabe de Tunisie's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Banque Internationale Arabe de Tunisie's Return-on-Tangible-Asset 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.
In the calculation of annual Return-on-Tangible-Asset, the net income of the last fiscal year and the average total tangible assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is one times the annual (Dec. 2025) net income data.
What does a Return-on-Tangible-Asset of 1.70% mean?
Banque Internationale Arabe de Tunisie (XTUN:BIAT) has a Return-on-Tangible-Asset of 1.70% as of Dec. 2025. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Banque Internationale Arabe de Tunisie and its competitors. This is near median its historical median of 1.60. Over the past decade, Banque Internationale Arabe de Tunisie's Return-on-Tangible-Asset has ranged from 1.49 to 2.07. According to the industry distribution chart, Banque Internationale Arabe de Tunisie ranks #269 out of 1527 companies in the Banks industry, placing it in the top 17.6%.
Is Banque Internationale Arabe de Tunisie's Return-on-Tangible-Asset too high?
Banque Internationale Arabe de Tunisie's current Return-on-Tangible-Asset of 1.70% is near median its 10-year median of 1.60. Over the past 10 years, this metric has ranged from a low of 1.49 to a high of 2.07. The Banks industry median Return-on-Tangible-Asset is 1.01. Banque Internationale Arabe de Tunisie's value of 1.70% is 68.3% above this industry median. Based on the distribution chart, Banque Internationale Arabe de Tunisie ranks #269 out of 1527 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Banque Internationale Arabe de Tunisie has a GF Score™ of 72/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Banque Internationale Arabe de Tunisie's Return-on-Tangible-Asset compare to PNC and USB?
According to the Banks industry distribution chart, Banque Internationale Arabe de Tunisie ranks #269 out of 1527 companies for Return-on-Tangible-Asset. This places Banque Internationale Arabe de Tunisie in the top 18% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Asset is 1.01. Banque Internationale Arabe de Tunisie's value of 1.70% is 68.3% above this benchmark. Historically, Banque Internationale Arabe de Tunisie's own Return-on-Tangible-Asset has ranged from 1.49 to 2.07 over the past decade. While the company's 10-year median is 1.60 vs. the industry median of 1.01, 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 Return-on-Tangible-Asset for a Banks company?
The median Return-on-Tangible-Asset among Banks companies is 1.01, based on 1,527 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Asset significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Banque Internationale Arabe de Tunisie's current Return-on-Tangible-Asset of 1.70% is 68.3% 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 Return-on-Tangible-Asset mean?
A high Return-on-Tangible-Asset can signal that a stock is expensive relative to its fundamentals. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Banque Internationale Arabe de Tunisie and its competitors. For the Banks industry, the median Return-on-Tangible-Asset is 1.01 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Banque Internationale Arabe de Tunisie's current Return-on-Tangible-Asset is 1.70%, which is near median its own 10-year median of 1.60. 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 TND104.08, compared to a current price of TND168.90 — trading 62.3% above its estimated fair value. The current Return-on-Tangible-Asset is 1.70%, which is near median its 10-year median of 1.60 and 68.3% above the Banks industry median of 1.01. Banque Internationale Arabe de Tunisie's overall GF Score™ is 72/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Return-on-Tangible-Asset calculated?
Return-on-Tangible-Asset is calculated from a company's financial statements. For Banque Internationale Arabe de Tunisie (XTUN:BIAT), the current Return-on-Tangible-Asset is 1.70% 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 TND168.90 is trading 62.3% above its estimated GF Value™ of TND104.08.
GuruFocus considers Banque Internationale Arabe de Tunisie to be Significantly Overvalued.
Key valuation signals for XTUN:BIAT:
Return-on-Tangible-Asset: 1.70% (near median its 10-year median of 1.60)
GF Value™: TND104.08 vs. price of TND168.90 (62.3% above fair value)
Industry Position: 68.3% above the Banks median (#269 of 1527)
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 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.
72GF Score
Get the complete analysis for XTUN:BIAT
Return-on-Tangible-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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