Union Bancaire pour le Commerce et L'Industrie Société anonyme (BVMT:UBCI)

Tunisia · Delayed Price · Currency is TND

39.00

-0.40 (-1.02%)

At close: Sep 18, 2026

BVMT:UBCI 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	345.96	333.93	307.16	286.97	289.85	259.13
Revenue Growth	3.60%	8.72%	7.04%	-1.00%	11.86%	11.91%
Net Income	68.51	65.85	54.99	53.36	59.73	30.51
Earnings Per Share	3.43	3.29	2.75	2.67	2.99	1.53
EPS Growth	4.04%	19.76%	3.05%	-10.66%	95.75%	-28.14%

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	1,180	540.23	720.5	534.86	459.26	316.33
Total Debt	855.02	724.37	331.11	252.02	169.87	83.44
Net Cash (Debt)	325.06	-184.14	389.39	282.83	289.39	232.89
Net Cash Growth	-	-	37.67%	-2.27%	24.26%	281.46%
Net Cash Per Share	16.25	-9.21	19.47	14.14	14.47	11.64

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	-179.73	-420.26	-115.82	85.16	-223.95	429.23
Capital Expenditures	-12.07	-23.19	-31.86	-72.06	-33.41	-14.15
Free Cash Flow	-191.8	-443.45	-147.68	13.09	-257.36	415.09
Free Cash Flow Growth	-	-	-	-	-	55.56%

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
Profit Margin	19.80%	19.72%	17.90%	18.59%	20.61%	11.77%
FCF Margin	-55.44%	-132.80%	-48.08%	4.56%	-88.79%	160.19%

Dividends

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 19, 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	1.250	-	1.250	1.250	1.250	0.750
Dividend Per Share Growth	4.00%	-	0%	0%	66.67%	-25.00%
Dividend Yield	3.21%	-	6.43%	6.49%	7.02%	4.84%

Valuation

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 19, 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	11.39	10.27	7.82	8.43	7.37	12.98
Forward PE	10.77	12.50	10.91	9.20	12.94	9.90
P/FCF Ratio	-	-	-	34.38	-	0.95
PS Ratio	2.25	2.03	1.40	1.57	1.52	1.53