Union Internationale de Banques Société anonyme (BVMT:UIB)

Tunisia · Delayed Price · Currency is TND

34.95

-0.05 (-0.14%)

At close: Sep 11, 2026

BVMT:UIB 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	498.12	480.66	470.6	473.96	457.64	400.64
Revenue Growth	3.63%	2.14%	-0.71%	3.57%	14.23%	19.72%
Net Income	97.44	94.2	71.86	124.98	132.54	82.78
Earnings Per Share	2.82	2.73	2.08	3.62	3.84	2.40
EPS Growth	3.45%	31.08%	-42.50%	-5.70%	60.11%	27.02%

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	430.66	1,213	843.4	540.22	277.36	161.89
Total Debt	97.96	81.32	112.43	164.64	222.72	298.21
Net Cash (Debt)	332.71	1,131	730.97	375.58	54.64	-136.32
Net Cash Growth	-70.59%	54.78%	94.62%	587.38%	-	-
Net Cash Per Share	9.63	32.74	21.15	10.87	1.58	-3.94

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	-180.47	24.69	1,038	382.9	97	319.77
Capital Expenditures	-17.99	-20.3	-24.22	-15.74	-14.46	-21.68
Free Cash Flow	-198.45	4.39	1,014	367.16	82.55	298.09
Free Cash Flow Growth	-	-99.57%	176.20%	344.80%	-72.31%	-

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	19.56%	19.60%	15.27%	26.37%	28.96%	20.66%
FCF Margin	-39.84%	0.91%	215.49%	77.47%	18.04%	74.40%

Dividends

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 13, 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	1.000	1.000	-	0.850	1.250	0.700
Dividend Per Share Growth	17.65%	-	-	-32.00%	78.57%	-
Dividend Yield	2.82%	4.15%	-	3.64%	5.95%	5.35%

Valuation

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 13, 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	12.40	9.12	10.73	7.16	6.26	6.55
Forward PE	13.19	10.80	8.71	7.93	8.03	7.97
P/FCF Ratio	-	195.45	0.76	2.44	10.05	1.82
PS Ratio	2.42	1.79	1.64	1.89	1.81	1.35