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Tunisian (TUNINDEX) Financials Sector Analysis
UpdatedApr 21, 2026
DataAggregated Company Financials
Companies25
- 7D-0.2%
- 3M11.4%
- 1Y36.9%
- YTD17.0%
In the last week, the Financials industry is flat overall, with Banque Attijari de Tunisie Société anonyme standing out by going down 5.1%. As for the the longer term, the industry is up 37% over the past 12 months. Looking forward, earnings are forecast to grow by 8.7% annually.
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 |
|---|---|---|---|---|---|---|
| Tue, 21 Apr 2026 | د.ت21.8b | د.ت9.1b | د.ت2.1b | 10.7x | 10.4x | 2.4x |
| Thu, 19 Mar 2026 | د.ت21.9b | د.ت8.9b | د.ت2.0b | 11.9x | 10.9x | 2.5x |
| Sat, 14 Feb 2026 | د.ت20.5b | د.ت8.9b | د.ت2.0b | 11.5x | 10.3x | 2.3x |
| Mon, 12 Jan 2026 | د.ت18.3b | د.ت8.9b | د.ت2.0b | 9.7x | 9.1x | 2.1x |
| Wed, 10 Dec 2025 | د.ت18.4b | د.ت9.2b | د.ت2.0b | 9.6x | 9.1x | 2x |
| Fri, 07 Nov 2025 | د.ت17.8b | د.ت9.2b | د.ت2.0b | 9.4x | 8.8x | 1.9x |
| Sun, 05 Oct 2025 | د.ت16.9b | د.ت9.1b | د.ت2.0b | 8.7x | 8.3x | 1.9x |
| Tue, 02 Sep 2025 | د.ت16.0b | د.ت9.0b | د.ت2.0b | 8.7x | 8x | 1.8x |
| Thu, 31 Jul 2025 | د.ت15.8b | د.ت8.9b | د.ت2.0b | 8.2x | 8x | 1.8x |
| Sat, 28 Jun 2025 | د.ت15.7b | د.ت8.9b | د.ت2.0b | 8.4x | 8x | 1.8x |
| Mon, 26 May 2025 | د.ت15.8b | د.ت8.9b | د.ت2.0b | 7.9x | 8x | 1.8x |
| Wed, 23 Apr 2025 | د.ت16.0b | د.ت8.6b | د.ت1.9b | 7.8x | 8.3x | 1.9x |
| Fri, 21 Mar 2025 | د.ت16.0b | د.ت7.7b | د.ت1.8b | 7.6x | 8.8x | 2.1x |
| Sun, 16 Feb 2025 | د.ت15.2b | د.ت7.5b | د.ت1.8b | 7.5x | 8.4x | 2x |
| Tue, 14 Jan 2025 | د.ت14.7b | د.ت7.5b | د.ت1.8b | 7.2x | 8.1x | 1.9x |
| Thu, 12 Dec 2024 | د.ت14.5b | د.ت7.9b | د.ت1.8b | 7.3x | 7.9x | 1.8x |
| Sat, 09 Nov 2024 | د.ت14.3b | د.ت7.7b | د.ت1.8b | 7.2x | 7.8x | 1.8x |
| Mon, 07 Oct 2024 | د.ت14.8b | د.ت7.7b | د.ت1.8b | 7.3x | 8.1x | 1.9x |
| Wed, 04 Sep 2024 | د.ت14.5b | د.ت7.7b | د.ت1.9b | 7.2x | 7.8x | 1.9x |
| Fri, 02 Aug 2024 | د.ت14.7b | د.ت7.6b | د.ت1.8b | 7.5x | 8x | 1.9x |
| Sun, 30 Jun 2024 | د.ت14.6b | د.ت8.1b | د.ت1.9b | 7.6x | 7.8x | 1.8x |
| Tue, 28 May 2024 | د.ت14.3b | د.ت8.1b | د.ت1.9b | 7.5x | 7.7x | 1.8x |
| Thu, 25 Apr 2024 | د.ت14.0b | د.ت8.1b | د.ت1.9b | 7.7x | 7.3x | 1.7x |
| Sat, 23 Mar 2024 | د.ت13.7b | د.ت7.7b | د.ت1.7b | 7.8x | 8x | 1.8x |
| Mon, 19 Feb 2024 | د.ت13.2b | د.ت6.9b | د.ت1.5b | 7.8x | 8.6x | 1.9x |
| Wed, 17 Jan 2024 | د.ت13.3b | د.ت6.9b | د.ت1.5b | 7.7x | 8.6x | 1.9x |
| Fri, 15 Dec 2023 | د.ت13.4b | د.ت6.9b | د.ت1.5b | 7.7x | 8.7x | 1.9x |
| Sun, 12 Nov 2023 | د.ت13.1b | د.ت7.6b | د.ت1.7b | 7.3x | 7.6x | 1.7x |
| Tue, 10 Oct 2023 | د.ت12.9b | د.ت7.6b | د.ت1.7b | 7.2x | 7.5x | 1.7x |
| Thu, 07 Sep 2023 | د.ت13.7b | د.ت7.6b | د.ت1.7b | 7.8x | 7.9x | 1.8x |
| Sat, 05 Aug 2023 | د.ت13.6b | د.ت7.5b | د.ت1.7b | 7.5x | 8x | 1.8x |
| Mon, 03 Jul 2023 | د.ت13.6b | د.ت7.5b | د.ت1.7b | 7.4x | 8x | 1.8x |
| Wed, 31 May 2023 | د.ت13.4b | د.ت7.4b | د.ت1.7b | 8x | 7.9x | 1.8x |
| Fri, 28 Apr 2023 | د.ت13.3b | د.ت7.3b | د.ت1.7b | 8x | 7.8x | 1.8x |
Price to Earnings Ratio
7.8x
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 10.4x which is higher than its 3-year average PE of 8.3x.
- The 3-year average PS ratio of 1.9x is lower than the industry's current PS ratio of 2.4x.
Past Earnings Growth
- The earnings for companies in the Financials industry have grown 7.2% per year over the last three years.
- Revenues for these companies have grown 7.6% 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 | 0.80% | |
| Financials | -0.23% | |
| Diversified Financial | 2.72% | |
| Insurance | 1.35% | |
| Capital Markets | 0.89% | |
| Mortgage Finance | 0% | 0 |
| Banks | -0.74% | |
Industry PE
- Investors are most optimistic about the Insurance industry which is trading above its 3-year average PE ratio of 10.5x.
- Analysts are expecting annual earnings growth of 3.8%, which is lower than the prior year's growth of 13.8% per year.
- 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 8.3x.
Forecasted Growth
- Analysts are most optimistic on the Diversified Financial industry, expecting annual earnings growth of 9.7% over the next 5 years.
- This is better than its past earnings growth rate of 0.6% per year.
- In contrast, the Insurance industry is expected to see its earnings grow by 3.8% 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 | |
|---|---|---|---|---|---|
| BIAT Banque Internationale Arabe de Tunisie Société anonyme | د.ت145.20 | 1.5% +د.ت89.8m | 42.5% | PB2.3x | |
| TLS Tunisie Leasing & Factoring Société anonyme | د.ت37.63 | 11.4% +د.ت41.5m | 100.2% | PE10.8x | |
| UBCI Union Bancaire pour le Commerce et L'Industrie Société anonyme | د.ت36.58 | 4.5% +د.ت31.4m | 74.2% | PB1.3x | |
| STAR Société Tunisienne d'Assurances et de Réassurances | د.ت66.99 | 4.9% +د.ت31.4m | 43.1% | PE19.6x | |
| TRE Société Tunisienne de Réassurance | د.ت13.48 | 6.1% +د.ت15.6m | 68.5% | PE12.6x |