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Tunisian (TUNINDEX) Financials Sector Analysis
UpdatedJul 10, 2025
DataAggregated Company Financials
Companies25
- 7D0.3%
- 3M-1.4%
- 1Y8.7%
- YTD7.6%
Over the last 7 days, the Financials industry has remained flat, although notably Arab Tunisian Bank gained 8.1%. The past year has been better, since the industry has gained 8.3% in that time. In the next few years, earnings are forecast to decline by 3.0% 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 |
|---|---|---|---|---|---|---|
| Thu, 10 Jul 2025 | د.ت15.8b | د.ت8.9b | د.ت2.0b | 8.4x | 7.9x | 1.8x |
| Sat, 07 Jun 2025 | د.ت15.5b | د.ت8.9b | د.ت2.0b | 8.3x | 7.9x | 1.7x |
| Mon, 05 May 2025 | د.ت16.1b | د.ت8.8b | د.ت2.0b | 7.3x | 8.2x | 1.8x |
| Wed, 02 Apr 2025 | د.ت16.1b | د.ت7.7b | د.ت1.8b | 7.3x | 9x | 2.1x |
| Fri, 28 Feb 2025 | د.ت15.9b | د.ت7.7b | د.ت1.8b | 7.5x | 8.8x | 2.1x |
| Sun, 26 Jan 2025 | د.ت15.2b | د.ت7.5b | د.ت1.8b | 7.3x | 8.4x | 2x |
| Tue, 24 Dec 2024 | د.ت14.5b | د.ت7.9b | د.ت1.8b | 7.4x | 7.9x | 1.8x |
| Thu, 21 Nov 2024 | د.ت14.3b | د.ت7.9b | د.ت1.8b | 7.3x | 7.8x | 1.8x |
| Sat, 19 Oct 2024 | د.ت14.5b | د.ت7.7b | د.ت1.8b | 7.2x | 7.9x | 1.9x |
| Mon, 16 Sep 2024 | د.ت14.5b | د.ت7.7b | د.ت1.8b | 7.4x | 7.9x | 1.9x |
| Wed, 14 Aug 2024 | د.ت14.6b | د.ت7.6b | د.ت1.8b | 7.4x | 8x | 1.9x |
| Fri, 12 Jul 2024 | د.ت14.6b | د.ت7.6b | د.ت1.8b | 7.5x | 8x | 1.9x |
| Sun, 09 Jun 2024 | د.ت14.5b | د.ت8.1b | د.ت1.9b | 7.4x | 7.8x | 1.8x |
| Tue, 07 May 2024 | د.ت14.1b | د.ت8.2b | د.ت1.9b | 7.3x | 7.4x | 1.7x |
| Thu, 04 Apr 2024 | د.ت13.8b | د.ت7.7b | د.ت1.7b | 7.7x | 8.1x | 1.8x |
| Sat, 02 Mar 2024 | د.ت13.5b | د.ت7.7b | د.ت1.7b | 7.6x | 7.9x | 1.8x |
| Mon, 29 Jan 2024 | د.ت13.3b | د.ت6.9b | د.ت1.5b | 7.6x | 8.7x | 1.9x |
| Wed, 27 Dec 2023 | د.ت13.4b | د.ت6.9b | د.ت1.5b | 7.8x | 8.7x | 1.9x |
| Fri, 24 Nov 2023 | د.ت13.2b | د.ت7.6b | د.ت1.7b | 7.6x | 7.6x | 1.7x |
| Sun, 22 Oct 2023 | د.ت13.0b | د.ت7.6b | د.ت1.7b | 7.2x | 7.5x | 1.7x |
| Tue, 19 Sep 2023 | د.ت13.5b | د.ت7.6b | د.ت1.7b | 7.8x | 7.8x | 1.8x |
| Thu, 17 Aug 2023 | د.ت13.6b | د.ت7.5b | د.ت1.7b | 7.7x | 8x | 1.8x |
| Sat, 15 Jul 2023 | د.ت13.7b | د.ت7.5b | د.ت1.7b | 7.6x | 8x | 1.8x |
| Mon, 12 Jun 2023 | د.ت13.4b | د.ت7.4b | د.ت1.7b | 7.9x | 7.9x | 1.8x |
| Wed, 10 May 2023 | د.ت13.2b | د.ت7.3b | د.ت1.7b | 7.5x | 7.8x | 1.8x |
| Fri, 07 Apr 2023 | د.ت13.2b | د.ت7.0b | د.ت1.6b | 8.5x | 8.5x | 1.9x |
| Sun, 05 Mar 2023 | د.ت12.7b | د.ت6.9b | د.ت1.5b | 8.6x | 8.4x | 1.8x |
| Tue, 31 Jan 2023 | د.ت11.3b | د.ت6.9b | د.ت1.5b | 8.4x | 7.5x | 1.7x |
| Thu, 29 Dec 2022 | د.ت10.8b | د.ت6.5b | د.ت1.5b | 8x | 7.3x | 1.7x |
| Sat, 26 Nov 2022 | د.ت10.9b | د.ت6.4b | د.ت1.5b | 7.7x | 7.4x | 1.7x |
| Mon, 24 Oct 2022 | د.ت10.7b | د.ت6.4b | د.ت1.5b | 8x | 7.2x | 1.7x |
| Wed, 21 Sep 2022 | د.ت10.5b | د.ت6.5b | د.ت1.5b | 8.1x | 7.1x | 1.6x |
| Fri, 19 Aug 2022 | د.ت10.2b | د.ت6.1b | د.ت1.4b | 8.2x | 7.2x | 1.7x |
| Sun, 17 Jul 2022 | د.ت9.7b | د.ت6.1b | د.ت1.4b | 8.1x | 6.8x | 1.6x |
Price to Earnings Ratio
6.8x
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 7.9x.
- 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 12% per year over the last three years.
- Revenues for these companies have grown 14% 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 | 0.30% | |
| Diversified Financial | 2.64% | |
| Banks | 0.12% | |
| Mortgage Finance | 0% | 0 |
| Capital Markets | 0% | 0 |
| Insurance | -0.15% | |
Industry PE
- Investors are most optimistic about the Capital Markets industry, which is trading close to its 3-year average PE ratio of 10.6x.
- Analysts are expecting annual earnings decline of 19.2%, which is lower than the prior year's growth of 19.3% per year.
- Investors are most pessimistic about the Diversified Financial industry, which is trading close to its 3-year average of 6.0x.
Forecasted Growth
- Analysts are most optimistic on the Insurance industry, expecting annual earnings growth of 2.7% over the next 5 years.
- However this is lower than its past earnings growth rate of 15% per year.
- In contrast, the Capital Markets industry is expected to see its earnings decline by 19% 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.ت9.70 | 7.9% +د.ت33.8m | -29.7% | PE4.3x | |
| ATB Arab Tunisian Bank | د.ت3.60 | 7.1% +د.ت30.7m | 13.6% | PB0.7x | |
| BT Banque de Tunisie Société anonyme | د.ت5.30 | 1.0% +د.ت13.5m | 2.9% | PB1x | |
| CIL Compagnie Internationale de Leasing | د.ت26.50 | 6.0% +د.ت10.2m | 17.8% | PE8.9x | |
| BHASS BH Assurance | د.ت64.85 | 4.4% +د.ت7.3m | 37.2% | PE15.7x |