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.
Selling, general, & admin. expense (SGA) includes the direct and indirect costs and all general and administrative expenses of a company. Union Bancaire Pour Le Commerce Et l' Industrie Bourse's selling, general, & admin. expense for the
six
months ended in Dec. 2025 was TND0.0 Mil.
Its selling, general, & admin. expense for the trailing twelve months (TTM) ended in Dec. 2025 was TND75.2 Mil.
Union Bancaire Pour Le Commerce Et l' Industrie Bourse (XTUN:UBCI) Selling, General, & Admin. Expense Explanation
An efficient operation keeps SGA costs low and thus has higher profit margin. The percentage of SGA relative to total revenue is an indication of how efficiently the company operates. Compare this percentage among the companies in the same industry is a good way of finding more efficient operations. A comparison of the SGA cost relative to the revenue with the historical value can also be an indication of how efficient the company has become.
Warren Buffett likes companies with consistent SGA as the percentage of gross profit.
Companies with no durable competitive advantage show wild variation in SG&A as % of Gross Profit.
If SGA is less than 30% of Gross Profit, it is fantastic. If SGA is nearing 100%, it is is in highly competitive industry.
Union Bancaire Pour Le Commerce Et l' Industrie Bourse Selling, General, & Admin. Expense Related Terms
Union Bancaire Pour Le Commerce Et l' Industrie Bourse Selling, General, & Admin. Expense 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.
Union Bancaire Pour Le Commerce Et l' Industrie Bourse Selling, General, & Admin. Expense Chart
Union Bancaire Pour Le Commerce Et l' Industrie Bourse Annual Data
XTUN:UBCI vs PNC, USB: Selling, General, & Admin. Expense Comparison
For the Banks - Regional subindustry, Union Bancaire Pour Le Commerce Et l' Industrie Bourse's Selling, General, & Admin. Expense, along with its competitors' market caps and Selling, General, & Admin. Expense 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.
Union Bancaire Pour Le Commerce Et l' Industrie Bourse Selling, General, & Admin. Expense vs Banks Industry
Union Bancaire Pour Le Commerce Et l' Industrie Bourse Selling, General, & Admin. Expense Calculation
Selling, General, & Admin. Expense (SGA) includes the direct and indirect costs and all general and administrative expenses of a company. For instance, personnel cost, advertising, rent, communication costs are all part of SGA.
Selling, General, & Admin. Expense for the trailing twelve months (TTM) ended in Dec. 2025 adds up the semi-annually data reported by the company within the most recent 12 months, which was TND75.2 Mil.
* 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.
What does a Selling, General, & Admin. Expense of TND75.2 Mil mean?
Union Bancaire Pour Le Commerce Et l' Industrie Bourse (XTUN:UBCI) has a Selling, General, & Admin. Expense of TND75.2 Mil as of Dec. 2025. Selling, general and admin expense is the total cost for direct, indirect, general and administrative activities. View historical data on Union Bancaire Pour Le Commerce Et l' Industrie Bourse and its competitors.
Is Union Bancaire Pour Le Commerce Et l' Industrie Bourse's Selling, General, & Admin. Expense too high?
Union Bancaire Pour Le Commerce Et l' Industrie Bourse's current Selling, General, & Admin. Expense is TND75.2 Mil. Overall, Union Bancaire Pour Le Commerce Et l' Industrie Bourse has a GF Score™ of 66/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Union Bancaire Pour Le Commerce Et l' Industrie Bourse's Selling, General, & Admin. Expense compare to PNC and USB?
Union Bancaire Pour Le Commerce Et l' Industrie Bourse's Selling, General, & Admin. Expense of TND75.2 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Selling, General, & Admin. Expense for a Banks company?
A good Selling, General, & Admin. Expense depends on the Banks industry context. However, Selling, General, & Admin. Expense 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 Selling, General, & Admin. Expense mean?
A high Selling, General, & Admin. Expense can signal that a stock is expensive relative to its fundamentals. Selling, general and admin expense is the total cost for direct, indirect, general and administrative activities. View historical data on Union Bancaire Pour Le Commerce Et l' Industrie Bourse and its competitors. Union Bancaire Pour Le Commerce Et l' Industrie Bourse's current Selling, General, & Admin. Expense is TND75.2 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Union Bancaire Pour Le Commerce Et l' Industrie Bourse stock overvalued right now?
Based on GuruFocus' analysis, Union Bancaire Pour Le Commerce Et l' Industrie Bourse (XTUN:UBCI) is currently considered Significantly Overvalued. The stock's GF Value™ is TND26.40, compared to a current price of TND41.60 — trading 57.6% above its estimated fair value. The current Selling, General, & Admin. Expense is TND75.2 Mil. Union Bancaire Pour Le Commerce Et l' Industrie Bourse's overall GF Score™ is 66/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Selling, General, & Admin. Expense calculated?
Selling, General, & Admin. Expense is calculated from a company's financial statements. For Union Bancaire Pour Le Commerce Et l' Industrie Bourse (XTUN:UBCI), the current Selling, General, & Admin. Expense is TND75.2 Mil 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 Bancaire Pour Le Commerce Et l' Industrie Bourse (XTUN:UBCI) Overvalued in 2026?
Based on GuruFocus' analysis, Union Bancaire Pour Le Commerce Et l' Industrie Bourse stock appears to be overvalued.
The current stock price of TND41.60 is trading 57.6% above its estimated GF Value™ of TND26.40.
GuruFocus considers Union Bancaire Pour Le Commerce Et l' Industrie Bourse to be Significantly Overvalued.
Key valuation signals for XTUN:UBCI:
Selling, General, & Admin. Expense: TND75.2 Mil
GF Value™: TND26.40 vs. price of TND41.60 (57.6% above fair value)
No single metric tells the full story. See the XTUN:UBCI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Union Bancaire Pour Le Commerce Et l' Industrie Bourse engages in the provision of banking and financial services. It offers private, corporate, and institutional banking solutions; cash management; investment banking; international trade; and financial engineering and services such as credit cards and insurances.
66GF Score
Get the complete analysis for XTUN:UBCI
Selling, General, & Admin. Expense 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:UBCI has been successfully added to your 
