Société Tunisienne d'Assurances et de Réassurances (BVMT:STAR)

Tunisia · Delayed Price · Currency is TND

92.90

+0.90 (0.98%)

At close: Aug 3, 2026

BVMT:STAR 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	531.95	531.95	483.46	468.41	446.06	414.08
Revenue Growth	5.34%	10.03%	3.21%	5.01%	7.72%	5.28%
Operating Income	64.91	64.91	40.53	35.33	30.16	21.88
Net Income	38.89	38.89	27.49	23.27	29.34	21.06
Earnings Per Share	3.89	3.89	2.75	-	2.93	2.11
EPS Growth	14.01%	41.46%	-	-	39.35%	28.40%

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	75.34	75.34	62.57	51.02	44.53	41.23
Non-Life	348.68	348.68	328.58	311.57	369.08	345.78
Total	424.02	424.02	391.15	362.59	413.61	387.01

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	53.4	53.4	28.21	8.58	8.74	97.63
Total Debt	12.73	12.73	14.55	15	15	-
Net Cash (Debt)	40.68	40.68	13.67	-6.42	-6.26	97.63
Net Cash Growth	-17.85%	197.61%	-	-	-	87.69%
Net Cash Per Share	4.07	4.07	1.37	-	-0.63	9.76

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	79.33	79.33	63.52	30.11	-48.23	52.4
Capital Expenditures	-11.29	-11.29	-3.45	-20.36	-52.54	-21.9
Free Cash Flow	68.04	68.04	60.07	9.75	-100.77	30.5
Free Cash Flow Growth	-1.35%	13.28%	515.83%	-	-	-44.63%

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
Operating Margin	12.20%	12.20%	8.38%	7.54%	6.76%	5.28%
Pretax Margin	11.34%	11.34%	7.92%	7.28%	6.76%	5.28%
Profit Margin	7.31%	7.31%	5.69%	4.97%	6.58%	5.08%
FCF Margin	12.79%	12.79%	12.43%	2.08%	-22.59%	7.37%

Dividends

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Aug '26 Aug 5, 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	1.938	-	1.938	-	1.435	0.842
Dividend Per Share Growth	0%	-	-	-	70.41%	-
Dividend Yield	2.09%	-	4.92%	-	4.58%	3.39%

Valuation

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Aug '26 Aug 5, 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	23.66	16.40	14.94	17.52	12.11	13.37
Forward PE	20.31	16.65	23.24	12.67	5.07	5.07
P/FCF Ratio	13.52	9.37	6.84	41.81	-	9.23
PS Ratio	1.73	1.20	0.85	0.87	0.80	0.68