Union Internationale de Banques Société anonyme (BVMT:UIB)

Tunisia · Delayed Price · Currency is TND

34.10

+0.10 (0.29%)

At close: Jul 31, 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	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	480.66	480.66	470.6	473.96	457.64	400.64
Revenue Growth	2.48%	2.14%	-0.71%	3.57%	14.23%	19.72%
Net Income	94.2	94.2	71.86	124.98	132.54	82.78
Earnings Per Share	2.73	2.73	2.08	3.62	3.84	2.40
EPS Growth	7.48%	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	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	1,213	1,213	843.4	540.22	277.36	161.89
Total Debt	81.32	81.32	112.43	164.64	222.72	298.21
Net Cash (Debt)	1,131	1,131	730.97	375.58	54.64	-136.32
Net Cash Growth	1.04%	54.78%	94.62%	587.38%	-	-
Net Cash Per Share	32.74	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	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	24.69	24.69	1,038	382.9	97	319.77
Capital Expenditures	-20.3	-20.3	-24.22	-15.74	-14.46	-21.68
Free Cash Flow	4.39	4.39	1,014	367.16	82.55	298.09
Free Cash Flow Growth	-99.44%	-99.57%	176.20%	344.80%	-72.31%	-

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	19.60%	19.60%	15.27%	26.37%	28.96%	20.66%
FCF Margin	0.91%	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	Aug '26 Aug 1, 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	2.93%	4.15%	-	3.64%	5.95%	5.35%

Valuation

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Aug '26 Aug 1, 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	12.51	9.12	10.73	7.16	6.26	6.55
Forward PE	12.68	10.80	8.71	7.93	8.03	7.97
P/FCF Ratio	268.21	195.45	0.76	2.44	10.05	1.82
PS Ratio	2.45	1.79	1.64	1.89	1.81	1.35