Banque Attijari de Tunisie Société anonyme (BVMT:TJARI)

BVMT:TJARI Statistics

Total Valuation

BVMT:TJARI has a market cap or net worth of TND 3.02 billion.

Market Cap	3.02B
Enterprise Value	n/a

Important Dates

The next estimated earnings date is Wednesday, December 3, 2025.

Earnings Date	Dec 3, 2025
Ex-Dividend Date	Apr 8, 2025

Share Statistics

BVMT:TJARI has 50.00 million shares outstanding. The number of shares has increased by 3.09% in one year.

Current Share Class	50.00M
Shares Outstanding	50.00M
Shares Change (YoY)	+3.09%
Shares Change (QoQ)	n/a
Owned by Insiders (%)	n/a
Owned by Institutions (%)	0.02%
Float	n/a

Valuation Ratios

The trailing PE ratio is 12.62 and the forward PE ratio is 13.94.

PE Ratio	12.62
Forward PE	13.94
PS Ratio	4.30
PB Ratio	2.49
P/TBV Ratio	2.56
P/FCF Ratio	10.78
P/OCF Ratio	9.83
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	n/a
EV / Sales	n/a
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	n/a

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	3.33
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 20.66%.

Return on Equity (ROE)	20.66%
Return on Assets (ROA)	2.01%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	522,488
Profits Per Employee	178,227
Employee Count	1,345
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, BVMT:TJARI has paid 123.36 million in taxes.

Income Tax	123.36M
Effective Tax Rate	33.54%

Stock Price Statistics

The stock price has increased by +39.31% in the last 52 weeks. The beta is 0.03, so BVMT:TJARI's price volatility has been lower than the market average.

Beta (5Y)	0.03
52-Week Price Change	+39.31%
50-Day Moving Average	59.71
200-Day Moving Average	56.58
Relative Strength Index (RSI)	44.63
Average Volume (20 Days)	5,829

Short Selling Information

Short Interest	n/a
Short Previous Month	n/a
Short % of Shares Out	n/a
Short % of Float	n/a
Short Ratio (days to cover)	n/a

Income Statement

In the last 12 months, BVMT:TJARI had revenue of TND 702.75 million and earned 239.72 million in profits. Earnings per share was 4.79.

Revenue	702.75M
Gross Profit	702.75M
Operating Income	361.23M
Pretax Income	367.84M
Net Income	239.72M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	4.79

Balance Sheet

The company has 1.68 billion in cash and 935.95 million in debt, giving a net cash position of 745.85 million or 14.92 per share.

Cash & Cash Equivalents	1.68B
Total Debt	935.95M
Net Cash	745.85M
Net Cash Per Share	14.92
Equity (Book Value)	1.22B
Book Value Per Share	23.66
Working Capital	-7.74B

Cash Flow

In the last 12 months, operating cash flow was 307.75 million and capital expenditures -27.10 million, giving a free cash flow of 280.66 million.

Operating Cash Flow	307.75M
Capital Expenditures	-27.10M
Free Cash Flow	280.66M
FCF Per Share	5.61

Margins

Gross Margin	n/a
Operating Margin	51.40%
Pretax Margin	52.34%
Profit Margin	34.11%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	39.94%

Dividends & Yields

This stock pays an annual dividend of 4.20, which amounts to a dividend yield of 6.94%.

Dividend Per Share	4.20
Dividend Yield	6.94%
Dividend Growth (YoY)	11.11%
Years of Dividend Growth	5
Payout Ratio	87.60%
Buyback Yield	-3.09%
Shareholder Yield	3.85%
Earnings Yield	7.92%
FCF Yield	9.28%

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

The last stock split was on April 30, 2025. It was a forward split with a ratio of 1.1904761905.

Last Split Date	Apr 30, 2025
Split Type	Forward
Split Ratio	1.1904761905

Scores

Altman Z-Score	n/a
Piotroski F-Score	4