Banque de Tunisie (XTUN:BT) Scaled Net Operating Assets: 0.16 (As of Dec. 2025)


XTUN:BT Banque de Tunisie SA XTUN:BT
95 GF Score
Price TND6.83
GF Value TND5.98
Valuation Modestly Overvalued
! 1 Warning Sign
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What is Banque de Tunisie Scaled Net Operating Assets?

Banque de Tunisie XTUN:BT 95 Scaled Net Operating Assets is 0.16 as of Dec. 2025. GuruFocus rates XTUN:BT with a GF Score™ of 95/100 and a GF Value™ of TND5.98 (Modestly Overvalued). The stock has 1 warning sign 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 de Tunisie's operating assets for the quarter that ended in Dec. 2025 was TND9,319.5 Mil. Banque de Tunisie's operating liabilities for the quarter that ended in Dec. 2025 was TND7,817.2 Mil. Banque de Tunisie's Total Assets for the quarter that ended in Dec. 2024 was TND9,333.0 Mil. Therefore, Banque de Tunisie's scaled net operating assets (SNOA) for the quarter that ended in Dec. 2025 was 0.16.

XTUN:BT
95GF Score
Banque de Tunisie SA XTUN:BT
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Banque 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 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 )
=(9319.517-7817.15)/9333.021
=0.16

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=9584.574 - 265.057
=9319.517

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=7943.834 - 126.684 - 0
=7817.15

Banque 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 )
=(9319.517-7817.15)/9333.021
=0.16

where

Operating Assets(Q: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=9584.574 - 265.057
=9319.517

Operating Liabilities(Q: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=7943.834 - 126.684 - 0
=7817.15

* 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 0.16 mean?
Banque de Tunisie (XTUN:BT) has a Scaled Net Operating Assets of 0.16 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 de Tunisie and its competitors.
Is Banque de Tunisie's Scaled Net Operating Assets too high?
Banque de Tunisie's current Scaled Net Operating Assets is 0.16. Overall, Banque de Tunisie has a GF Score™ of 95/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Banque de Tunisie's Scaled Net Operating Assets compare to PNC and USB?
Banque de Tunisie's Scaled Net Operating Assets of 0.16 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 de Tunisie and its competitors. Banque de Tunisie's current Scaled Net Operating Assets is 0.16. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Banque de Tunisie stock overvalued right now?
Based on GuruFocus' analysis, Banque de Tunisie (XTUN:BT) is currently considered Modestly Overvalued. The stock's GF Value™ is TND5.98, compared to a current price of TND6.83 — trading 14.2% above its estimated fair value. The current Scaled Net Operating Assets is 0.16. Banque de Tunisie's overall GF Score™ is 95/100 with 1 warning sign 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 de Tunisie (XTUN:BT), the current Scaled Net Operating Assets is 0.16 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 de Tunisie (XTUN:BT) Overvalued in 2026?

Based on GuruFocus' analysis, Banque de Tunisie stock appears to be overvalued. The current stock price of TND6.83 is trading 14.2% above its estimated GF Value™ of TND5.98. GuruFocus considers Banque de Tunisie to be Modestly Overvalued.

Key valuation signals for XTUN:BT:

  • Scaled Net Operating Assets: 0.16
  • GF Value™: TND5.98 vs. price of TND6.83 (14.2% above fair value)
  • GF Score™: 95/100 with 1 warning sign

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

Banque de Tunisie Business Description

Address 2, Rue Turkey, Tunis, TUN, 1001
Banque de Tunisie SA provides banking services. It offers banking and financial services to corporate, commercial, institutional and individual customers.
95GF 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.

TND6.83
Price
TND5.98
GF Value