XTUN:BIAT's ROE % is ranked better than 90.64% of 1527
companies
in the Banks industry
Industry Median: 10.23
vs XTUN:BIAT: 19.11
Banque Internationale Arabe de Tunisie (XTUN:BIAT) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is one times the annual (Dec. 2025) net income data. The Revenue data used here is one times the annual (Dec. 2025) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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.
Be Aware
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % 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 ROE %s can be extremely high.
Banque Internationale Arabe de Tunisie ROE % Related Terms
Banque Internationale Arabe de Tunisie ROE % 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 ROE % Chart
Banque Internationale Arabe de Tunisie Annual Data
For the Banks - Regional subindustry, Banque Internationale Arabe de Tunisie's ROE %, along with its competitors' market caps and ROE % 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 ROE % 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.
In the calculation of annual ROE %, the net income of the last fiscal year and the average total shareholder 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.
ROE % is displayed in the 30-year financial page.
Banque Internationale Arabe de Tunisie (XTUN:BIAT) has a ROE % of 19.11% as of Dec. 2025. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Banque Internationale Arabe de Tunisie and its competitors. This is near median its historical median of 18.18. Over the past decade, Banque Internationale Arabe de Tunisie's ROE % has ranged from 15.54 to 25.31. According to the industry distribution chart, Banque Internationale Arabe de Tunisie ranks #143 out of 1527 companies in the Banks industry, placing it in the top 9.4%.
Is Banque Internationale Arabe de Tunisie's ROE % too high?
Banque Internationale Arabe de Tunisie's current ROE % of 19.11% is near median its 10-year median of 18.18. Over the past 10 years, this metric has ranged from a low of 15.54 to a high of 25.31. The Banks industry median ROE % is 10.23. Banque Internationale Arabe de Tunisie's value of 19.11% is 86.8% above this industry median. Based on the distribution chart, Banque Internationale Arabe de Tunisie ranks #143 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 63/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Banque Internationale Arabe de Tunisie's ROE % compare to PNC?
According to the Banks industry distribution chart, Banque Internationale Arabe de Tunisie ranks #143 out of 1527 companies for ROE %. This places Banque Internationale Arabe de Tunisie in the top 9% of its industry — outperforming the majority of peers. The industry median ROE % is 10.23. Banque Internationale Arabe de Tunisie's value of 19.11% is 86.8% above this benchmark. Historically, Banque Internationale Arabe de Tunisie's own ROE % has ranged from 15.54 to 25.31 over the past decade. While the company's 10-year median is 18.18 vs. the industry median of 10.23, 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 ROE % for a Banks company?
The median ROE % among Banks companies is 10.23, based on 1,527 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Banque Internationale Arabe de Tunisie's current ROE % of 19.11% is 86.8% 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Banque Internationale Arabe de Tunisie and its competitors. For the Banks industry, the median ROE % is 10.23 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Banque Internationale Arabe de Tunisie's current ROE % is 19.11%, which is near median its own 10-year median of 18.18. 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 TND104.70, compared to a current price of TND157.40 — trading 50.3% above its estimated fair value. The current ROE % is 19.11%, which is near median its 10-year median of 18.18 and 86.8% above the Banks industry median of 10.23. Banque Internationale Arabe de Tunisie's overall GF Score™ is 63/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROE % calculated?
ROE % is calculated from a company's financial statements. For Banque Internationale Arabe de Tunisie (XTUN:BIAT), the current ROE % is 19.11% 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 TND157.40 is trading 50.3% above its estimated GF Value™ of TND104.70.
GuruFocus considers Banque Internationale Arabe de Tunisie to be Significantly Overvalued.
Key valuation signals for XTUN:BIAT:
ROE %: 19.11% (near median its 10-year median of 18.18)
GF Value™: TND104.70 vs. price of TND157.40 (50.3% above fair value)
Industry Position: 86.8% above the Banks median (#143 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 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.
63GF Score
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