Banque de Tunisie Société anonyme (BVMT:BT)

Tunisia · Delayed Price · Currency is TND

8.89

-0.11 (-1.22%)

At close: Jul 31, 2026

BVMT:BT 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	500.8	500.8	484.88	431.39	388.83	363.29
Revenue Growth	3.79%	3.28%	12.40%	10.95%	7.03%	19.13%
Net Income	202.82	202.82	199.44	182.32	168.56	152.12
Earnings Per Share	0.75	0.75	0.74	0.68	0.66	0.56
EPS Growth	-0.25%	1.67%	9.43%	2.12%	17.34%	61.09%

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	258.5	258.5	660.35	188.31	434.45	259.86
Total Debt	141.43	141.43	240.69	426.17	514.69	662.33
Net Cash (Debt)	117.07	117.07	419.66	-237.86	-80.23	-402.47
Net Cash Growth	-85.45%	-72.10%	-	-	-	-
Net Cash Per Share	0.43	0.43	1.55	-0.88	-0.31	-1.49

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	-301.39	-301.39	769.83	-9.89	286.54	383.23
Capital Expenditures	-41.4	-41.4	-41.33	-29.13	-21.19	-9.67
Free Cash Flow	-342.79	-342.79	728.5	-39.02	265.35	373.56
Free Cash Flow Growth	-	-	-	-	-28.97%	-

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	40.50%	40.50%	41.13%	42.26%	43.35%	41.87%
FCF Margin	-68.45%	-68.45%	150.25%	-9.04%	68.24%	102.83%

Dividends

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022
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
Dividend Per Share	0.350	0.350	0.350	0.290	0.280
Dividend Per Share Growth	0%	0%	20.69%	3.57%	-
Dividend Yield	3.94%	5.75%	7.59%	6.42%	6.80%

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	11.84	8.52	7.03	7.97	8.30	8.14
Forward PE	12.52	9.28	10.08	8.89	9.09	12.36
P/FCF Ratio	-	-	1.92	-	5.27	3.31
PS Ratio	4.79	3.45	2.89	3.37	3.60	3.41