Banque Attijari de Tunisie Société anonyme (BVMT:TJARI)

Tunisia · Delayed Price · Currency is TND

89.90

+0.30 (0.33%)

At close: Jul 31, 2026

BVMT:TJARI 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	714.71	714.71	702.75	685.06	627.7	575.34
Revenue Growth	24.22%	1.70%	2.58%	9.14%	9.10%	11.73%
Net Income	235.34	235.34	239.72	225.9	196.29	166.33
Earnings Per Share	4.70	4.70	4.79	4.52	4.03	3.43
EPS Growth	37.05%	-1.97%	6.12%	12.05%	17.57%	20.08%

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	1,915	1,915	1,682	1,439	2,235	1,425
Total Debt	1,484	1,484	935.95	971.15	1,071	1,289
Net Cash (Debt)	430.42	430.42	745.85	467.89	1,164	136.37
Net Cash Growth	215.61%	-42.29%	59.41%	-59.80%	753.50%	-
Net Cash Per Share	8.61	8.61	14.92	9.36	24.00	2.81

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	1,025	1,025	307.75	717.91	541.68	273.98
Capital Expenditures	-20.75	-20.75	-27.1	-7.15	-30.89	-23.52
Free Cash Flow	1,005	1,005	280.66	710.76	510.79	250.46
Free Cash Flow Growth	301.10%	257.95%	-60.51%	39.15%	103.94%	-39.32%

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	32.93%	32.93%	34.11%	32.98%	31.27%	28.91%
FCF Margin	140.56%	140.56%	39.94%	103.75%	81.38%	43.53%

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	4.200	-	4.200	3.780	3.360
Dividend Per Share Growth	0%	-	11.11%	12.50%	-
Dividend Yield	4.67%	-	11.04%	12.14%	14.83%

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	19.13	14.21	9.02	8.32	7.68	7.45
Forward PE	20.11	14.05	12.31	9.54	8.49	7.91
P/FCF Ratio	4.47	3.33	7.71	2.65	2.95	4.95
PS Ratio	6.29	4.68	3.08	2.74	2.40	2.15