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Tunisian (TUNINDEX) Financials Sector Analysis
UpdatedNov 25, 2025
DataAggregated Company Financials
Companies25
- 7D-0.7%
- 3M15.4%
- 1Y27.8%
- YTD26.2%
Last week, the Financials industry hasn't moved much but Union Bancaire pour le Commerce et L'Industrie Société anonyme is up 10.0% in that time. The past year has been better, since the industry has gained 28% in that time. As for the next few years, earnings are expected to grow by 3.9% per annum.
Sector Valuation and Performance
Has the Tunisian Financials Sector valuation changed over the past few years?
| Date | Market Cap | Revenue | Earnings | PE | Absolute PE | PS |
|---|---|---|---|---|---|---|
| Mon, 01 Dec 2025 | د.ت18.5b | د.ت9.2b | د.ت2.0b | 9.7x | 9.1x | 2x |
| Wed, 29 Oct 2025 | د.ت17.4b | د.ت9.1b | د.ت2.0b | 9.2x | 8.6x | 1.9x |
| Fri, 26 Sep 2025 | د.ت17.0b | د.ت9.1b | د.ت2.0b | 9.1x | 8.5x | 1.9x |
| Sun, 24 Aug 2025 | د.ت16.0b | د.ت8.9b | د.ت1.9b | 8.7x | 8.2x | 1.8x |
| Tue, 22 Jul 2025 | د.ت15.8b | د.ت8.9b | د.ت2.0b | 8.2x | 8x | 1.8x |
| Thu, 19 Jun 2025 | د.ت15.0b | د.ت8.9b | د.ت2.0b | 7.5x | 7.6x | 1.7x |
| Sat, 17 May 2025 | د.ت15.9b | د.ت8.9b | د.ت2.0b | 7.7x | 8x | 1.8x |
| Mon, 14 Apr 2025 | د.ت16.0b | د.ت8.1b | د.ت1.9b | 7.6x | 8.6x | 2x |
| Wed, 12 Mar 2025 | د.ت15.8b | د.ت7.7b | د.ت1.8b | 7.7x | 8.7x | 2.1x |
| Fri, 07 Feb 2025 | د.ت15.1b | د.ت7.5b | د.ت1.8b | 7.2x | 8.4x | 2x |
| Sun, 05 Jan 2025 | د.ت14.6b | د.ت7.5b | د.ت1.8b | 7.1x | 8.1x | 1.9x |
| Tue, 03 Dec 2024 | د.ت14.5b | د.ت7.9b | د.ت1.8b | 7.3x | 7.9x | 1.8x |
| Thu, 31 Oct 2024 | د.ت13.2b | د.ت7.7b | د.ت1.8b | 7.3x | 7.2x | 1.7x |
| Sat, 28 Sep 2024 | د.ت14.9b | د.ت7.7b | د.ت1.8b | 7.5x | 8.1x | 1.9x |
| Mon, 26 Aug 2024 | د.ت14.5b | د.ت7.6b | د.ت1.8b | 7.1x | 7.9x | 1.9x |
| Wed, 24 Jul 2024 | د.ت14.7b | د.ت7.6b | د.ت1.8b | 7.5x | 8x | 1.9x |
| Fri, 21 Jun 2024 | د.ت14.7b | د.ت8.1b | د.ت1.9b | 7.6x | 7.9x | 1.8x |
| Sun, 19 May 2024 | د.ت13.8b | د.ت8.2b | د.ت1.9b | 7.2x | 7.2x | 1.7x |
| Tue, 16 Apr 2024 | د.ت14.1b | د.ت8.1b | د.ت1.9b | 7.8x | 7.5x | 1.7x |
| Thu, 14 Mar 2024 | د.ت13.6b | د.ت7.7b | د.ت1.7b | 7.7x | 8x | 1.8x |
| Sat, 10 Feb 2024 | د.ت13.2b | د.ت6.9b | د.ت1.5b | 7.6x | 8.6x | 1.9x |
| Mon, 08 Jan 2024 | د.ت13.3b | د.ت6.9b | د.ت1.5b | 7.7x | 8.6x | 1.9x |
| Wed, 06 Dec 2023 | د.ت13.3b | د.ت6.9b | د.ت1.5b | 7.7x | 8.6x | 1.9x |
| Fri, 03 Nov 2023 | د.ت13.0b | د.ت7.6b | د.ت1.7b | 7.3x | 7.5x | 1.7x |
| Sun, 01 Oct 2023 | د.ت12.9b | د.ت7.6b | د.ت1.7b | 7.2x | 7.4x | 1.7x |
| Tue, 29 Aug 2023 | د.ت13.6b | د.ت7.5b | د.ت1.7b | 7.7x | 8x | 1.8x |
| Thu, 27 Jul 2023 | د.ت13.7b | د.ت7.5b | د.ت1.7b | 7.6x | 8x | 1.8x |
| Sat, 24 Jun 2023 | د.ت13.5b | د.ت7.4b | د.ت1.7b | 7.4x | 7.9x | 1.8x |
| Mon, 22 May 2023 | د.ت13.2b | د.ت7.4b | د.ت1.7b | 8.1x | 7.8x | 1.8x |
| Wed, 19 Apr 2023 | د.ت13.1b | د.ت7.3b | د.ت1.7b | 7.5x | 7.7x | 1.8x |
| Fri, 17 Mar 2023 | د.ت12.6b | د.ت6.9b | د.ت1.5b | 8.6x | 8.4x | 1.8x |
| Sun, 12 Feb 2023 | د.ت11.0b | د.ت6.9b | د.ت1.5b | 8.3x | 7.3x | 1.6x |
| Tue, 10 Jan 2023 | د.ت11.2b | د.ت6.4b | د.ت1.5b | 8.3x | 7.6x | 1.8x |
| Thu, 08 Dec 2022 | د.ت10.8b | د.ت6.5b | د.ت1.5b | 7.9x | 7.3x | 1.7x |
Price to Earnings Ratio
7.3x
Current Industry PE
- Investors are optimistic on the Tunisian Financials industry, and appear confident in long term growth rates.
- The industry is trading at a PE ratio of 9.1x which is higher than its 3-year average PE of 8.0x.
- The industry is trading close to its 3-year average PS ratio of 1.8x.
Past Earnings Growth
- The earnings for companies in the Financials industry have grown 11% per year over the last three years.
- Revenues for these companies have grown 13% per year.
- This means that more sales are being generated by these companies overall, and subsequently their profits are increasing too.
Industry Trends
Which industries have driven the changes within the Tunisian Financials sector?
| TN Market | -0.32% | |
| Financials | -0.74% | |
| Insurance | 0.86% | |
| Diversified Financial | 0.0038% | |
| Mortgage Finance | 0% | 0 |
| Banks | -0.98% | |
| Capital Markets | -1.56% | |
Industry PE
- Investors are most optimistic about the Capital Markets industry which is trading above its 3-year average PE ratio of 10.7x.
- Analysts are expecting annual earnings decline of 10.2%, which is less than its past year's earnings decline of 23.2%.
- Investors are most pessimistic about the Banks industry, although it looks like investor sentiment has improved given that it's trading above its 3-year average of 8.1x.
Forecasted Growth
- Analysts are most optimistic on the Diversified Financial industry, expecting annual earnings growth of 8.2% over the next 5 years.
- This is better than its past earnings decline of 3.4% per year.
- In contrast, the Capital Markets industry is expected to see its earnings decline by 10% per year over the next few years.
Top Stock Gainers and Losers
Which companies have driven the market over the last 7 days?
| Company | Last Price | 7D | 1Y | Valuation | |
|---|---|---|---|---|---|
| UBCI Union Bancaire pour le Commerce et L'Industrie Société anonyme | د.ت31.90 | 10.0% +د.ت58.0m | 51.9% | PB1.2x | |
| BNASS BNA Assurances | د.ت3.20 | 6.7% +د.ت17.5m | 58.4% | PE16.7x | |
| TLS Tunisie Leasing & Factoring Société anonyme | د.ت32.30 | 4.2% +د.ت14.0m | 79.4% | PE9.3x | |
| TRE Société Tunisienne de Réassurance | د.ت9.00 | 2.3% +د.ت4.0m | 13.9% | PE6.9x | |
| BNA Banque Nationale Agricole Société anonyme | د.ت12.26 | 0.2% +د.ت1.3m | 53.3% | PB0.4x |