Banque Internationale Arabe de Tunisie Société anonyme (BVMT:BIAT)

Tunisia · Delayed Price · Currency is TND

164.98

-0.42 (-0.25%)

At close: Sep 18, 2026

BVMT:BIAT Financials Overview

Financials in millions TND. Fiscal year is January - December.

Millions TND. Fiscal year is Jan - Dec.

Revenue & Profits

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Revenue	1,587	1,542	1,449	1,252	1,053	872.53
Revenue Growth	2.93%	6.42%	15.70%	18.91%	20.67%	-0.14%
Net Income	492.47	467.15	379.41	358.59	312.4	283.43
Earnings Per Share	-	5.72	9.30	8.79	7.66	6.95
EPS Growth	-	-38.44%	5.80%	14.79%	10.22%	-48.93%

Cash & Debt

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Investments	509.61	2,240	1,533	1,232	979.93	832.17
Total Debt	1,204	995.54	861.69	959.55	1,276	727.43
Net Cash (Debt)	-694.61	1,245	670.82	272.22	-296.07	104.74
Net Cash Growth	-	85.58%	146.42%	-	-	-
Net Cash Per Share	-	15.26	16.44	6.67	-7.26	2.57

Cash Flow & CapEx

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Operating Cash Flow	2,077	1,645	1,615	366.28	703.96	1,012
Capital Expenditures	-143.37	-151.32	-129.31	-112.93	-76.91	-103.64
Free Cash Flow	1,933	1,493	1,486	253.35	627.05	908.78
Free Cash Flow Growth	29.44%	0.50%	486.55%	-59.60%	-31.00%	-19.56%

Margins

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Profit Margin	31.04%	30.30%	26.19%	28.64%	29.67%	32.48%
FCF Margin	121.83%	96.88%	102.58%	20.23%	59.55%	104.15%

Dividends

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 19, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Dividend Per Share	6.000	6.000	-	5.250	5.075	4.550
Dividend Per Share Growth	0%	-	-	3.45%	11.54%	4.00%
Dividend Yield	3.64%	5.62%	-	7.68%	8.25%	11.89%

Valuation

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 19, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
PE Ratio	13.67	9.70	10.09	9.15	10.06	7.46
Forward PE	14.22	10.37	14.90	10.22	10.63	6.94
P/FCF Ratio	3.48	3.03	2.58	12.95	5.01	2.33
PS Ratio	4.24	2.94	2.64	2.62	2.98	2.42