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Selling, general, & admin. expense (SGA) includes the direct and indirect costs and all general and administrative expenses of a company. Union Internationale de Banques's selling, general, & admin. expense for the
six
months ended in Dec. 2025 was TND28.2 Mil.
Its selling, general, & admin. expense for the trailing twelve months (TTM) ended in Dec. 2025 was TND28.2 Mil.
Union Internationale de Banques (XTUN:UIB) 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 Internationale de Banques Selling, General, & Admin. Expense Related Terms
Union Internationale de Banques 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 Internationale de Banques Selling, General, & Admin. Expense Chart
XTUN:UIB vs PNC, USB: Selling, General, & Admin. Expense Comparison
For the Banks - Regional subindustry, Union Internationale de Banques'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 Internationale de Banques Selling, General, & Admin. Expense vs Banks Industry
For the Banks industry and Financial Services sector, Union Internationale de Banques's Selling, General, & Admin. Expense distribution charts can be found below:
* The bar in red indicates where Union Internationale de Banques's Selling, General, & Admin. Expense falls into.
Union Internationale de Banques 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.
For stock reported annually, GuruFocus uses latest annual data as the TTM data. Selling, General, & Admin. Expense for the trailing twelve months (TTM) ended in Dec. 2025 was TND28.2 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 TND28.2 Mil mean?
Union Internationale de Banques (XTUN:UIB) has a Selling, General, & Admin. Expense of TND28.2 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 Internationale de Banques and its competitors.
Is Union Internationale de Banques' Selling, General, & Admin. Expense too high?
Union Internationale de Banques' current Selling, General, & Admin. Expense is TND28.2 Mil. Overall, Union Internationale de Banques has a GF Score™ of 83/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Union Internationale de Banques' Selling, General, & Admin. Expense compare to PNC and USB?
Union Internationale de Banques' Selling, General, & Admin. Expense of TND28.2 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 Internationale de Banques and its competitors. Union Internationale de Banques's current Selling, General, & Admin. Expense is TND28.2 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Union 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 TND24.74, compared to a current price of TND36.90 — trading 49.2% above its estimated fair value. The current Selling, General, & Admin. Expense is TND28.2 Mil. Union Internationale de Banques' overall GF Score™ is 83/100 with 5 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 Internationale de Banques (XTUN:UIB), the current Selling, General, & Admin. Expense is TND28.2 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 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 TND36.90 is trading 49.2% above its estimated GF Value™ of TND24.74.
GuruFocus considers Union Internationale de Banques to be Significantly Overvalued.
Key valuation signals for XTUN:UIB:
Selling, General, & Admin. Expense: TND28.2 Mil
GF Value™: TND24.74 vs. price of TND36.90 (49.2% above fair value)
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
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