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

BVMT:UBCI Statistics

Total Valuation

BVMT:UBCI has a market cap or net worth of TND 570.24 million.

Market Cap	570.24M
Enterprise Value	n/a

Important Dates

The next estimated earnings date is Tuesday, December 9, 2025.

Earnings Date	Dec 9, 2025
Ex-Dividend Date	May 7, 2025

Share Statistics

BVMT:UBCI has 20.00 million shares outstanding.

Current Share Class	20.00M
Shares Outstanding	20.00M
Shares Change (YoY)	n/a
Shares Change (QoQ)	n/a
Owned by Insiders (%)	n/a
Owned by Institutions (%)	n/a
Float	n/a

Valuation Ratios

The trailing PE ratio is 9.63 and the forward PE ratio is 10.72.

PE Ratio	9.63
Forward PE	10.72
PS Ratio	1.73
PB Ratio	1.04
P/TBV Ratio	1.24
P/FCF Ratio	n/a
P/OCF Ratio	n/a
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	-1.79
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 11.23%.

Return on Equity (ROE)	11.23%
Return on Assets (ROA)	1.15%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	n/a
Profits Per Employee	n/a
Employee Count	n/a
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, BVMT:UBCI has paid 48.40 million in taxes.

Income Tax	48.40M
Effective Tax Rate	44.66%

Stock Price Statistics

The stock price has increased by +24.10% in the last 52 weeks. The beta is 0.04, so BVMT:UBCI's price volatility has been lower than the market average.

Beta (5Y)	0.04
52-Week Price Change	+24.10%
50-Day Moving Average	20.22
200-Day Moving Average	21.27
Relative Strength Index (RSI)	91.74
Average Volume (20 Days)	2,774

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:UBCI had revenue of TND 328.96 million and earned 59.24 million in profits. Earnings per share was 2.96.

Revenue	328.96M
Gross Profit	328.96M
Operating Income	108.01M
Pretax Income	108.38M
Net Income	59.24M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	2.96

Balance Sheet

The company has 896.69 million in cash and 948.70 million in debt, giving a net cash position of -52.01 million or -2.60 per share.

Cash & Cash Equivalents	896.69M
Total Debt	948.70M
Net Cash	-52.01M
Net Cash Per Share	-2.60
Equity (Book Value)	550.79M
Book Value Per Share	27.54
Working Capital	-3.43B

Cash Flow

In the last 12 months, operating cash flow was -494.99 million and capital expenditures -34.02 million, giving a free cash flow of -529.01 million.

Operating Cash Flow	-494.99M
Capital Expenditures	-34.02M
Free Cash Flow	-529.01M
FCF Per Share	-26.45

Margins

Gross Margin	n/a
Operating Margin	32.83%
Pretax Margin	32.95%
Profit Margin	18.01%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of 1.25, which amounts to a dividend yield of 4.38%.

Dividend Per Share	1.25
Dividend Yield	4.38%
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	43.13%
Buyback Yield	n/a
Shareholder Yield	4.38%
Earnings Yield	10.39%
FCF Yield	-92.77%

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 October 14, 2013. It was a forward split with a ratio of 1.2424366668.

Last Split Date	Oct 14, 2013
Split Type	Forward
Split Ratio	1.2424366668

Scores

Altman Z-Score	n/a
Piotroski F-Score	2