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Tunisian (TUNINDEX) Financials Sector Analysis
UpdatedJan 30, 2025
DataAggregated Company Financials
Companies25
- 7D1.3%
- 3M5.1%
- 1Y14.8%
- YTD3.6%
In the last week, the Financials industry is up 1.6%, with Banque Attijari de Tunisie Société anonyme up 4.5%. This takes the industry's 12 month performance to a gain of 15%. As for the next few years, earnings are forecast to decline by 6.0% 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 |
|---|---|---|---|---|---|---|
| Fri, 31 Jan 2025 | د.ت15.2b | د.ت7.5b | د.ت1.8b | 7.3x | 8.4x | 2x |
| Sun, 29 Dec 2024 | د.ت14.6b | د.ت7.9b | د.ت1.8b | 7.4x | 8x | 1.9x |
| Tue, 26 Nov 2024 | د.ت14.3b | د.ت7.9b | د.ت1.8b | 7.5x | 7.8x | 1.8x |
| Thu, 24 Oct 2024 | د.ت14.4b | د.ت7.7b | د.ت1.8b | 7.2x | 7.9x | 1.9x |
| Sat, 21 Sep 2024 | د.ت14.5b | د.ت7.7b | د.ت1.8b | 7.4x | 7.9x | 1.9x |
| Mon, 19 Aug 2024 | د.ت14.6b | د.ت7.6b | د.ت1.8b | 7.4x | 7.9x | 1.9x |
| Wed, 17 Jul 2024 | د.ت14.7b | د.ت7.6b | د.ت1.8b | 7.6x | 8x | 1.9x |
| Fri, 14 Jun 2024 | د.ت14.6b | د.ت8.1b | د.ت1.9b | 7.4x | 7.8x | 1.8x |
| Sun, 12 May 2024 | د.ت14.0b | د.ت8.2b | د.ت1.9b | 7.2x | 7.3x | 1.7x |
| Tue, 09 Apr 2024 | د.ت14.0b | د.ت7.9b | د.ت1.8b | 7.7x | 7.7x | 1.8x |
| Thu, 07 Mar 2024 | د.ت13.5b | د.ت7.7b | د.ت1.7b | 7.7x | 8x | 1.8x |
| Sat, 03 Feb 2024 | د.ت13.2b | د.ت6.9b | د.ت1.5b | 7.7x | 8.6x | 1.9x |
| Mon, 01 Jan 2024 | د.ت13.5b | د.ت6.9b | د.ت1.5b | 7.8x | 8.8x | 2x |
| Wed, 29 Nov 2023 | د.ت13.2b | د.ت7.6b | د.ت1.7b | 7.6x | 7.6x | 1.7x |
| Fri, 27 Oct 2023 | د.ت13.0b | د.ت7.6b | د.ت1.7b | 7.3x | 7.5x | 1.7x |
| Sun, 24 Sep 2023 | د.ت12.9b | د.ت7.6b | د.ت1.7b | 7.2x | 7.5x | 1.7x |
| Tue, 22 Aug 2023 | د.ت13.6b | د.ت7.5b | د.ت1.7b | 7.4x | 8x | 1.8x |
| Thu, 20 Jul 2023 | د.ت13.7b | د.ت7.5b | د.ت1.7b | 7.6x | 8x | 1.8x |
| Sat, 17 Jun 2023 | د.ت13.4b | د.ت7.4b | د.ت1.7b | 7.6x | 7.9x | 1.8x |
| Mon, 15 May 2023 | د.ت13.1b | د.ت7.3b | د.ت1.7b | 7.6x | 7.7x | 1.8x |
| Wed, 12 Apr 2023 | د.ت13.3b | د.ت7.0b | د.ت1.6b | 7.5x | 8.3x | 1.9x |
| Fri, 10 Mar 2023 | د.ت12.7b | د.ت6.9b | د.ت1.5b | 8.6x | 8.4x | 1.9x |
| Sun, 05 Feb 2023 | د.ت11.3b | د.ت6.9b | د.ت1.5b | 8.2x | 7.5x | 1.6x |
| Tue, 03 Jan 2023 | د.ت11.1b | د.ت6.4b | د.ت1.5b | 8.3x | 7.5x | 1.7x |
| Thu, 01 Dec 2022 | د.ت10.9b | د.ت6.4b | د.ت1.5b | 7.8x | 7.4x | 1.7x |
| Sat, 29 Oct 2022 | د.ت10.8b | د.ت6.4b | د.ت1.5b | 7.9x | 7.3x | 1.7x |
| Mon, 26 Sep 2022 | د.ت10.6b | د.ت6.4b | د.ت1.5b | 7.9x | 7.2x | 1.7x |
| Wed, 24 Aug 2022 | د.ت10.2b | د.ت6.1b | د.ت1.4b | 8.2x | 7.1x | 1.7x |
| Fri, 22 Jul 2022 | د.ت9.8b | د.ت6.1b | د.ت1.4b | 8.1x | 6.9x | 1.6x |
| Sun, 19 Jun 2022 | د.ت9.6b | د.ت6.5b | د.ت1.4b | 8.3x | 6.7x | 1.5x |
| Tue, 17 May 2022 | د.ت9.4b | د.ت6.5b | د.ت1.4b | 7.5x | 6.5x | 1.4x |
| Thu, 14 Apr 2022 | د.ت9.5b | د.ت5.9b | د.ت1.2b | 7.7x | 8x | 1.6x |
| Sat, 12 Mar 2022 | د.ت9.0b | د.ت5.8b | د.ت1.2b | 9.2x | 7.7x | 1.6x |
| Mon, 07 Feb 2022 | د.ت9.0b | د.ت5.8b | د.ت1.2b | 9.5x | 7.6x | 1.5x |
Price to Earnings Ratio
7.6x
Current Industry PE
- Investors are relatively neutral on the Tunisian Financials industry at the moment, indicating that they anticipate long term growth rates to remain steady.
- The industry is trading close to its 3-year average PE ratio of 7.7x.
- The 3-year average PS ratio of 1.8x is lower than the industry's current PS ratio of 2.0x.
Past Earnings Growth
- The earnings for companies in the Financials industry have grown 15% per year over the last three years.
- Revenues for these companies have grown 8.7% 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 | 1.26% | |
| Financials | 1.28% | |
| Capital Markets | 4.17% | |
| Diversified Financial | 3.54% | |
| Banks | 0.99% | |
| Insurance | 0.90% | |
| Mortgage Finance | 0% | 0 |
| Mortgage REITs | 0% | 0 |
| Consumer Finance | 0% | 0 |
Industry PE
- Investors are most optimistic about the Insurance industry which is trading above its 3-year average PE ratio of 10.9x.
- Analysts are expecting annual earnings decline of 9.6%, which is lower than the prior year's growth of 10.5% per year.
- Investors are most pessimistic about the Diversified Financial industry, which is trading below its 3-year average of 6.3x.
Forecasted Growth
- Despite it being negative, analysts are least pessimistic on the Banks industry since they expect its earnings to decline by only 5.5% per year over the next 5 years, which isn't as bad as the other industries.
- This is a reversal from its past annual earnings growth rate of 11% per year.
- In contrast, the Insurance industry is expected to see its earnings decline by 9.6% 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 | |
|---|---|---|---|---|---|
| BH BH Bank Société anonyme | د.ت13.64 | 7.0% +د.ت42.4m | 32.4% | PE4.5x | |
| SPDIT Société de Placement & de Développement Industriel & Touristique Société anonyme | د.ت12.50 | 4.1% +د.ت13.7m | 35.9% | PE10x | |
| ATB Arab Tunisian Bank | د.ت2.90 | 3.6% +د.ت12.8m | 9.4% | PB0.6x | |
| AST Compagnie d'Assurances et de Réassurances ASTREE | د.ت48.00 | 4.3% +د.ت12.0m | n/a | PE12x | |
| AB Amen Bank Société anonyme | د.ت37.33 | 0.9% +د.ت11.5m | 30.5% | PB0.9x |