BNA Assurances (BVMT:BNASS)

Tunisia · Delayed Price · Currency is TND

4.240

-0.010 (-0.24%)

At close: Sep 15, 2026

BNA Assurances 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	216.9	215.11	190.87	180.9	202.24	149.33
Revenue Growth	0.83%	12.70%	5.51%	-10.55%	35.43%	-3.63%
Operating Income	22.89	19.96	16.71	8.92	5.99	2.49
Net Income	18.31	17.05	16.32	8.58	5.57	1.77
Earnings Per Share	-	0.20	0.19	0.10	0.06	0.02
EPS Growth	-	4.48%	90.20%	54.00%	215.32%	32.62%

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
Life	48.68	48.68	31.17	24.3	50.73	7.99
Non-Life	154.16	154.16	155.56	153.15	148.66	140.65
Total	202.85	202.85	186.73	177.45	199.39	148.64

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	7.26	2.28	6.02	1.54	6.53	2.02
Total Debt	-	-	-	-	6.9	-
Net Cash (Debt)	7.26	2.28	6.02	1.54	-0.37	2.02
Net Cash Growth	218.90%	-62.20%	290.24%	-	-	-31.02%
Net Cash Per Share	-	0.03	0.07	0.02	-0.00	0.02

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	49.84	33.1	5.73	4.12	-1.96	-133.3
Capital Expenditures	-2.24	-2.17	-1	-2.23	-0.87	-0.55
Free Cash Flow	47.6	30.94	4.73	1.89	-2.83	-133.85
Free Cash Flow Growth	53.88%	553.97%	150.17%	-	-	-

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
Operating Margin	10.55%	9.28%	8.76%	4.93%	2.96%	1.67%
Pretax Margin	9.96%	9.05%	8.75%	4.93%	2.96%	1.40%
Profit Margin	8.44%	7.92%	8.55%	4.74%	2.75%	1.18%
FCF Margin	21.95%	14.38%	2.48%	1.04%	-1.40%	-89.63%

Valuation

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 16, 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	20.29	16.10	13.87	18.75	30.91	102.89
P/FCF Ratio	7.80	8.87	47.85	85.04	-	-
PS Ratio	1.71	1.28	1.19	0.89	0.85	1.22