BH Assurance (BVMT:BHASS)

BH Assurance Statistics

Total Valuation

BH Assurance has a market cap or net worth of TND 167.66 million. The enterprise value is 161.97 million.

Market Cap	167.66M
Enterprise Value	161.97M

Important Dates

The last earnings date was Friday, August 29, 2025.

Earnings Date	Aug 29, 2025
Ex-Dividend Date	May 7, 2025

Share Statistics

BH Assurance has 2.66 million shares outstanding.

Current Share Class	2.66M
Shares Outstanding	2.66M
Shares Change (YoY)	n/a
Shares Change (QoQ)	n/a
Owned by Insiders (%)	n/a
Owned by Institutions (%)	n/a
Float	n/a

Valuation Ratios

The trailing PE ratio is 15.11 and the forward PE ratio is 16.63.

PE Ratio	15.11
Forward PE	16.63
PS Ratio	0.93
PB Ratio	1.57
P/TBV Ratio	1.62
P/FCF Ratio	4.44
P/OCF Ratio	3.80
PEG Ratio	n/a

Enterprise Valuation

The stock's EV/EBITDA ratio is 8.97, with an EV/FCF ratio of 4.29.

EV / Earnings	14.60
EV / Sales	0.90
EV / EBITDA	8.97
EV / EBIT	9.49
EV / FCF	4.29

Financial Position

The company has a current ratio of 0.89

Current Ratio	0.89
Quick Ratio	0.38
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	n/a
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 10.72% and return on invested capital (ROIC) is 10.30%.

Return on Equity (ROE)	10.72%
Return on Assets (ROA)	1.83%
Return on Invested Capital (ROIC)	10.30%
Return on Capital Employed (ROCE)	4.82%
Revenue Per Employee	1.55M
Profits Per Employee	95,671
Employee Count	101
Asset Turnover	0.31
Inventory Turnover	n/a

Taxes

In the past 12 months, BH Assurance has paid 4.53 million in taxes.

Income Tax	4.53M
Effective Tax Rate	29.00%

Stock Price Statistics

The stock price has increased by +33.37% in the last 52 weeks. The beta is -0.05, so BH Assurance's price volatility has been lower than the market average.

Beta (5Y)	-0.05
52-Week Price Change	+33.37%
50-Day Moving Average	53.50
200-Day Moving Average	47.76
Relative Strength Index (RSI)	60.66
Average Volume (20 Days)	119

Short Selling Information

Short Interest	n/a
Short Previous Month	n/a
Short % of Shares Out	n/a
Short % of Float	n/a
Short Ratio (days to cover)	n/a

Income Statement

In the last 12 months, BH Assurance had revenue of TND 179.98 million and earned 11.10 million in profits. Earnings per share was 4.17.

Revenue	179.98M
Gross Profit	24.00M
Operating Income	17.06M
Pretax Income	15.63M
Net Income	11.10M
EBITDA	18.05M
EBIT	17.06M
Earnings Per Share (EPS)	4.17

Balance Sheet

The company has 5.68 million in cash and n/a in debt, giving a net cash position of 5.68 million or 2.14 per share.

Cash & Cash Equivalents	5.68M
Total Debt	n/a
Net Cash	5.68M
Net Cash Per Share	2.14
Equity (Book Value)	107.10M
Book Value Per Share	40.26
Working Capital	-27.79M

Cash Flow

In the last 12 months, operating cash flow was 44.17 million and capital expenditures -6.39 million, giving a free cash flow of 37.78 million.

Operating Cash Flow	44.17M
Capital Expenditures	-6.39M
Free Cash Flow	37.78M
FCF Per Share	14.20

Margins

Gross margin is 13.34%, with operating and profit margins of 9.48% and 6.17%.

Gross Margin	13.34%
Operating Margin	9.48%
Pretax Margin	8.68%
Profit Margin	6.17%
EBITDA Margin	10.03%
EBIT Margin	9.48%
FCF Margin	20.99%

Dividends & Yields

This stock pays an annual dividend of 1.50, which amounts to a dividend yield of 2.38%.

Dividend Per Share	1.50
Dividend Yield	2.38%
Dividend Growth (YoY)	n/a
Years of Dividend Growth	3
Payout Ratio	37.50%
Buyback Yield	n/a
Shareholder Yield	2.38%
Earnings Yield	6.62%
FCF Yield	22.53%

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

This stock does not have any record of stock splits.

Last Split Date	n/a
Split Type	n/a
Split Ratio	n/a

Scores

Altman Z-Score	n/a
Piotroski F-Score	4