Banque Nationale Agricole Société anonyme (BVMT:BNA)

Tunisia · Delayed Price · Currency is TND

23.80

-0.08 (-0.34%)

At close: Jul 31, 2026

BVMT:BNA 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	Dec '25 Dec 31, 2025	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	1,052	1,052	895.76	835.17	734.57	675.67
Revenue Growth	9.90%	17.45%	7.26%	13.69%	8.72%	40.41%
Net Income	287.74	287.74	210.91	212.04	169.91	173.37
Earnings Per Share	4.53	4.53	3.32	3.34	2.68	2.71
EPS Growth	-	36.44%	-0.53%	24.81%	-1.38%	61.10%

Revenue by Segment

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	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
Financial Services	978.03	978.03	845.79	765.7	670.59	667.27
Real Estate	66.17	66.17	41.87	60.19	60.11	-1.27
Other	7.84	7.84	8.11	9.29	3.87	-0.49
Total	1,052	1,052	895.76	835.17	734.57	665.51

Cash & Debt

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	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	1,292	1,292	1,353	749.16	678.06	690.87
Total Debt	7,718	7,718	6,722	5,782	5,611	4,394
Net Cash (Debt)	-6,427	-6,427	-5,369	-5,033	-4,932	-3,704
Net Cash Growth	-	-	-	-	-	-
Net Cash Per Share	-101.26	-101.26	-84.60	-79.30	-77.71	-57.99

Cash Flow & CapEx

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	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	-285.39	-285.39	977.22	859.72	-27.92	259.59
Capital Expenditures	-21.71	-21.71	-27.31	-16.37	-12.33	-17.84
Free Cash Flow	-307.1	-307.1	949.91	843.35	-40.25	241.75
Free Cash Flow Growth	-	-	12.63%	-	-	-

Margins

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	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	27.35%	27.35%	23.54%	25.39%	23.13%	25.66%
FCF Margin	-29.19%	-29.19%	106.04%	100.98%	-5.48%	35.78%

Dividends

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Aug '26 Aug 2, 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	1.000	-	1.000	0.900	-	0.800
Dividend Per Share Growth	15.00%	-	11.11%	-	-	60.00%
Dividend Yield	4.20%	-	14.56%	14.66%	-	17.02%

Valuation

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Aug '26 Aug 2, 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	4.95	2.66	2.46	2.43	3.29	2.76
Forward PE	6.88	6.21	3.83	5.00	4.86	4.46
P/FCF Ratio	-	-	0.55	0.61	-	1.98
PS Ratio	1.44	0.73	0.58	0.62	0.76	0.71