Union Internationale de Banques (XTUN:UIB) ROC %: % (As of Dec. 2025)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
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.
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Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
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:UIB Union Internationale de Banques SA XTUN:UIB
87 GF Score
Price TND34.09
GF Value TND24.59
Valuation Significantly Overvalued
! 5 Warning Signs
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What is Union Internationale de Banques ROC %?

Union Internationale de Banques XTUN:UIB -0.03% 87 ROC % is % as of Dec. 2025. GuruFocus rates XTUN:UIB with a GF Score™ of 87/100 and a GF Value™ of TND24.59 (Significantly Overvalued). The stock has 5 warning signs investors should review.

ROC %does not apply to banks.

XTUN:UIB
87GF Score
Union Internationale de Banques SA XTUN:UIB
ROC % is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about ROC % →
What does a ROC % of % mean?
Union Internationale de Banques (XTUN:UIB) has a ROC % of % as of Dec. 2025. Return on capital is the ratio of current-period net income to average two-period capital. View historical data on Union Internationale de Banques and its competitors.
Is Union Internationale de Banques' ROC % too high?
Union Internationale de Banques' current ROC % is %. Overall, Union Internationale de Banques has a GF Score™ of 87/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Union Internationale de Banques' ROC % compare to PNC and USB?
Union Internationale de Banques' ROC % of % can be compared against companies in the Banks industry. The industry median ROC % is 1.54. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROC % for a Banks company?
The median ROC % among Banks companies is 1.54, based on 47 companies in the industry. Companies in the top quartile (top 25%) have a ROC % significantly above this median, while those in the bottom quartile fall well below. However, ROC % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high ROC % mean?
A high ROC % can signal that a stock is expensive relative to its fundamentals. Return on capital is the ratio of current-period net income to average two-period capital. View historical data on Union Internationale de Banques and its competitors. For the Banks industry, the median ROC % is 1.54 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Union Internationale de Banques's current ROC % is %. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Union Internationale de Banques stock overvalued right now?
Based on GuruFocus' analysis, Union Internationale de Banques (XTUN:UIB) is currently considered Significantly Overvalued. The stock's GF Value™ is TND24.59, compared to a current price of TND34.09 — trading 38.6% above its estimated fair value. The current ROC % is %. Union Internationale de Banques' overall GF Score™ is 87/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROC % calculated?
ROC % is calculated from a company's financial statements. For Union Internationale de Banques (XTUN:UIB), the current ROC % is % 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 Union Internationale de Banques (XTUN:UIB) Overvalued in 2026?

Based on GuruFocus' analysis, Union Internationale de Banques stock appears to be overvalued. The current stock price of TND34.09 is trading 38.6% above its estimated GF Value™ of TND24.59. GuruFocus considers Union Internationale de Banques to be Significantly Overvalued.

Key valuation signals for XTUN:UIB:

  • ROC %: %
  • GF Value™: TND24.59 vs. price of TND34.09 (38.6% above fair value)
  • GF Score™: 87/100 with 5 warning signs

No single metric tells the full story. See the XTUN:UIB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Union Internationale de Banques Business Description

Address 65 Avenue Habib Bourguiba, Tunis, TUN
Union Internationale de Banques SA is engaged in providing banking services to individuals and businesses, companies and institutions.
87GF Score

Get the complete analysis for XTUN:UIB

ROC % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

TND34.09
Price
TND24.59
GF Value