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

Tunisia · Delayed Price · Currency is TND

40.59

-0.11 (-0.27%)

At close: Aug 28, 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	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	333.93	333.93	307.16	286.97	289.85	259.13
Revenue Growth	1.51%	8.72%	7.04%	-1.00%	11.86%	11.91%
Net Income	65.85	65.85	54.99	53.36	59.73	30.51
Earnings Per Share	3.29	3.29	2.75	2.67	2.99	1.53
EPS Growth	11.15%	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	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	540.23	540.23	720.5	534.86	459.26	316.33
Total Debt	724.37	724.37	331.11	252.02	169.87	83.44
Net Cash (Debt)	-184.14	-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	-9.21	-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	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	-420.26	-420.26	-115.82	85.16	-223.95	429.23
Capital Expenditures	-23.19	-23.19	-31.86	-72.06	-33.41	-14.15
Free Cash Flow	-443.45	-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	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	19.72%	19.72%	17.90%	18.59%	20.61%	11.77%
FCF Margin	-132.80%	-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	Aug '26 Aug 29, 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	3.06%	-	6.43%	6.49%	7.02%	4.84%

Valuation

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Aug '26 Aug 29, 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	12.33	10.27	7.82	8.43	7.37	12.98
Forward PE	11.21	12.50	10.91	9.20	12.94	9.90
P/FCF Ratio	-	-	-	34.38	-	0.95
PS Ratio	2.43	2.03	1.40	1.57	1.52	1.53