Banque Internationale Arabe de Tunisie (XTUN:BIAT) Scaled Net Operating Assets: 0.05 (As of Dec. 2025)


XTUN:BIAT Banque Internationale Arabe de Tunisie SA XTUN:BIAT
79 GF Score
Price TND169.45
GF Value TND104.57
Valuation Significantly Overvalued
! 7 Warning Signs
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What is Banque Internationale Arabe de Tunisie Scaled Net Operating Assets?

Banque Internationale Arabe de Tunisie XTUN:BIAT -0.03% 79 Scaled Net Operating Assets is 0.05 as of Dec. 2025. GuruFocus rates XTUN:BIAT with a GF Score™ of 79/100 and a GF Value™ of TND104.57 (Significantly Overvalued). The stock has 7 warning signs investors should review.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Banque Internationale Arabe de Tunisie's operating assets for the quarter that ended in Dec. 2025 was TND24,693 Mil. Banque Internationale Arabe de Tunisie's operating liabilities for the quarter that ended in Dec. 2025 was TND23,492 Mil. Banque Internationale Arabe de Tunisie's Total Assets for the quarter that ended in Dec. 2024 was TND26,278 Mil. Therefore, Banque Internationale Arabe de Tunisie's scaled net operating assets (SNOA) for the quarter that ended in Dec. 2025 was 0.05.

XTUN:BIAT
79GF Score
Banque Internationale Arabe de Tunisie SA XTUN:BIAT
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Banque Internationale Arabe de Tunisie Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Banque Internationale Arabe de Tunisie's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(24692.971-23491.876)/26278.194
=0.05

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=28795.764 - 4102.793
=24692.971

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=24487.413 - 995.537 - 0
=23491.876

Banque Internationale Arabe de Tunisie's Scaled Net Operating Assets (SNOA) for the quarter that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Dec. 2025 )
=(Operating Assets (Q: Dec. 2025 )-Operating Liabilities (Q: Dec. 2025 ))/Total Assets (Q: Dec. 2024 )
=(24692.971-23491.876)/26278.194
=0.05

where

Operating Assets(Q: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=28795.764 - 4102.793
=24692.971

Operating Liabilities(Q: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=24487.413 - 995.537 - 0
=23491.876

* 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 Scaled Net Operating Assets of 0.05 mean?
Banque Internationale Arabe de Tunisie (XTUN:BIAT) has a Scaled Net Operating Assets of 0.05 as of Dec. 2025. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Banque Internationale Arabe de Tunisie and its competitors.
Is Banque Internationale Arabe de Tunisie's Scaled Net Operating Assets too high?
Banque Internationale Arabe de Tunisie's current Scaled Net Operating Assets is 0.05. Overall, Banque Internationale Arabe de Tunisie has a GF Score™ of 79/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Banque Internationale Arabe de Tunisie's Scaled Net Operating Assets compare to PNC and USB?
Banque Internationale Arabe de Tunisie's Scaled Net Operating Assets of 0.05 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 Scaled Net Operating Assets for a Banks company?
A good Scaled Net Operating Assets depends on the Banks industry context. However, Scaled Net Operating Assets 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Banque Internationale Arabe de Tunisie and its competitors. Banque Internationale Arabe de Tunisie's current Scaled Net Operating Assets is 0.05. 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 TND104.57, compared to a current price of TND169.45 — trading 62% above its estimated fair value. The current Scaled Net Operating Assets is 0.05. Banque Internationale Arabe de Tunisie's overall GF Score™ is 79/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For Banque Internationale Arabe de Tunisie (XTUN:BIAT), the current Scaled Net Operating Assets is 0.05 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 TND169.45 is trading 62% above its estimated GF Value™ of TND104.57. GuruFocus considers Banque Internationale Arabe de Tunisie to be Significantly Overvalued.

Key valuation signals for XTUN:BIAT:

  • Scaled Net Operating Assets: 0.05
  • GF Value™: TND104.57 vs. price of TND169.45 (62% above fair value)
  • GF Score™: 79/100 with 7 warning signs

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

Address 70-72 Avenue Habib Bourguiba, Tunis, TUN, 1000
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.
79GF Score

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Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

TND169.45
Price
TND104.57
GF Value