Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
XTUN:BIAT'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 16.02 Med: 18.65 Max: 25.68
Current: 19.61
During the past 13 years, Banque Internationale Arabe de Tunisie's highest Return-on-Tangible-Equity was 25.68%. The lowest was 16.02%. And the median was 18.65%.
XTUN:BIAT's Return-on-Tangible-Equity is ranked better than 88.66% of 1525
companies
in the Banks industry
Industry Median: 11.25
vs XTUN:BIAT: 19.61
Banque Internationale Arabe de Tunisie (XTUN:BIAT) Return-on-Tangible-Equity Explanation
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Banque Internationale Arabe de Tunisie Return-on-Tangible-Equity Related Terms
Banque Internationale Arabe de Tunisie Return-on-Tangible-Equity 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-Equity Chart
Banque Internationale Arabe de Tunisie Annual Data
XTUN:BIAT vs PNC, USB: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, Banque Internationale Arabe de Tunisie's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Banque Internationale Arabe de Tunisie's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Banque Internationale Arabe de Tunisie's Return-on-Tangible-Equity 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-Equity, the net income of the last fiscal year and the average total shareholder tangible equity 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.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 19.61% mean?
Banque Internationale Arabe de Tunisie (XTUN:BIAT) has a Return-on-Tangible-Equity of 19.61% as of Dec. 2025. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Banque Internationale Arabe de Tunisie and its competitors. This is near median its historical median of 18.65. Over the past decade, Banque Internationale Arabe de Tunisie's Return-on-Tangible-Equity has ranged from 16.02 to 25.68. According to the industry distribution chart, Banque Internationale Arabe de Tunisie ranks #173 out of 1525 companies in the Banks industry, placing it in the top 11.3%.
Is Banque Internationale Arabe de Tunisie's Return-on-Tangible-Equity too high?
Banque Internationale Arabe de Tunisie's current Return-on-Tangible-Equity of 19.61% is near median its 10-year median of 18.65. Over the past 10 years, this metric has ranged from a low of 16.02 to a high of 25.68. The Banks industry median Return-on-Tangible-Equity is 11.25. Banque Internationale Arabe de Tunisie's value of 19.61% is 74.3% above this industry median. Based on the distribution chart, Banque Internationale Arabe de Tunisie ranks #173 out of 1525 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 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 Return-on-Tangible-Equity compare to PNC and USB?
According to the Banks industry distribution chart, Banque Internationale Arabe de Tunisie ranks #173 out of 1525 companies for Return-on-Tangible-Equity. This places Banque Internationale Arabe de Tunisie in the top 11% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Equity is 11.25. Banque Internationale Arabe de Tunisie's value of 19.61% is 74.3% above this benchmark. Historically, Banque Internationale Arabe de Tunisie's own Return-on-Tangible-Equity has ranged from 16.02 to 25.68 over the past decade. While the company's 10-year median is 18.65 vs. the industry median of 11.25, 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-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.25, based on 1,525 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity 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-Equity of 19.61% is 74.3% 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-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Banque Internationale Arabe de Tunisie and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.25 — 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-Equity is 19.61%, which is near median its own 10-year median of 18.65. 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 Return-on-Tangible-Equity is 19.61%, which is near median its 10-year median of 18.65 and 74.3% above the Banks industry median of 11.25. 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 Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Banque Internationale Arabe de Tunisie (XTUN:BIAT), the current Return-on-Tangible-Equity is 19.61% 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 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:
Return-on-Tangible-Equity: 19.61% (near median its 10-year median of 18.65)
GF Value™: TND104.33 vs. price of TND185.00 (77.3% above fair value)
Industry Position: 74.3% above the Banks median (#173 of 1525)
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
Get the complete analysis for XTUN:BIAT
Return-on-Tangible-Equity 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:BIAT has been successfully added to your 
