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Tunisian (TUNINDEX) Financials Sector Analysis
UpdatedAug 10, 2025
DataAggregated Company Financials
Companies25
- 7D0.7%
- 3M-1.6%
- 1Y9.0%
- YTD8.6%
The Financials is pretty flat in the last 7 days, but Amen Bank Société anonyme has stood out, gaining 5.3%. The past year has been better, since the industry has gained 9.0% in that time. Looking forward, earnings are forecast to decline by 3.0% per year.
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 |
|---|---|---|---|---|---|---|
| Sun, 10 Aug 2025 | د.ت15.9b | د.ت8.9b | د.ت2.0b | 8.6x | 8x | 1.8x |
| Tue, 08 Jul 2025 | د.ت15.7b | د.ت8.9b | د.ت2.0b | 8.1x | 7.9x | 1.8x |
| Thu, 05 Jun 2025 | د.ت15.6b | د.ت8.9b | د.ت2.0b | 8.1x | 7.9x | 1.7x |
| Sat, 03 May 2025 | د.ت15.7b | د.ت8.7b | د.ت2.0b | 7.3x | 8x | 1.8x |
| Mon, 31 Mar 2025 | د.ت16.1b | د.ت7.7b | د.ت1.8b | 7.3x | 8.8x | 2.1x |
| Wed, 26 Feb 2025 | د.ت15.6b | د.ت7.7b | د.ت1.8b | 7.7x | 8.6x | 2x |
| Fri, 24 Jan 2025 | د.ت15.2b | د.ت7.5b | د.ت1.8b | 7.2x | 8.4x | 2x |
| Sun, 22 Dec 2024 | د.ت14.5b | د.ت7.9b | د.ت1.8b | 7.4x | 7.9x | 1.8x |
| Tue, 19 Nov 2024 | د.ت14.2b | د.ت7.9b | د.ت1.8b | 7.3x | 7.8x | 1.8x |
| Thu, 17 Oct 2024 | د.ت14.4b | د.ت7.7b | د.ت1.8b | 7.2x | 7.9x | 1.9x |
| Sat, 14 Sep 2024 | د.ت14.5b | د.ت7.7b | د.ت1.8b | 7.4x | 7.9x | 1.9x |
| Mon, 12 Aug 2024 | د.ت14.6b | د.ت7.6b | د.ت1.8b | 7.4x | 8x | 1.9x |
| Wed, 10 Jul 2024 | د.ت14.5b | د.ت7.6b | د.ت1.8b | 7.5x | 7.9x | 1.9x |
| Fri, 07 Jun 2024 | د.ت14.5b | د.ت8.1b | د.ت1.9b | 7.4x | 7.8x | 1.8x |
| Sun, 05 May 2024 | د.ت14.1b | د.ت8.2b | د.ت1.9b | 7.3x | 7.4x | 1.7x |
| Tue, 02 Apr 2024 | د.ت13.9b | د.ت7.7b | د.ت1.7b | 7.8x | 8.1x | 1.8x |
| Thu, 29 Feb 2024 | د.ت13.5b | د.ت7.7b | د.ت1.7b | 7.6x | 7.9x | 1.8x |
| Sat, 27 Jan 2024 | د.ت13.3b | د.ت6.9b | د.ت1.5b | 7.6x | 8.7x | 1.9x |
| Mon, 25 Dec 2023 | د.ت13.4b | د.ت6.9b | د.ت1.5b | 7.8x | 8.7x | 1.9x |
| Wed, 22 Nov 2023 | د.ت13.2b | د.ت7.6b | د.ت1.7b | 7.6x | 7.6x | 1.7x |
| Fri, 20 Oct 2023 | د.ت13.0b | د.ت7.6b | د.ت1.7b | 7.2x | 7.5x | 1.7x |
| Sun, 17 Sep 2023 | د.ت13.5b | د.ت7.6b | د.ت1.7b | 7.8x | 7.9x | 1.8x |
| Tue, 15 Aug 2023 | د.ت13.6b | د.ت7.5b | د.ت1.7b | 7.4x | 7.9x | 1.8x |
| Thu, 13 Jul 2023 | د.ت13.7b | د.ت7.5b | د.ت1.7b | 7.4x | 8x | 1.8x |
| Sat, 10 Jun 2023 | د.ت13.4b | د.ت7.4b | د.ت1.7b | 7.9x | 7.9x | 1.8x |
| Mon, 08 May 2023 | د.ت13.3b | د.ت7.3b | د.ت1.7b | 7.7x | 7.8x | 1.8x |
| Wed, 05 Apr 2023 | د.ت13.1b | د.ت6.9b | د.ت1.5b | 8.4x | 8.6x | 1.9x |
| Fri, 03 Mar 2023 | د.ت11.1b | د.ت6.9b | د.ت1.5b | 8.4x | 7.3x | 1.6x |
| Sun, 29 Jan 2023 | د.ت11.4b | د.ت6.9b | د.ت1.5b | 8.4x | 7.6x | 1.7x |
| Tue, 27 Dec 2022 | د.ت10.8b | د.ت6.5b | د.ت1.5b | 8x | 7.3x | 1.7x |
| Thu, 24 Nov 2022 | د.ت10.9b | د.ت6.4b | د.ت1.5b | 7.7x | 7.4x | 1.7x |
| Sat, 22 Oct 2022 | د.ت10.7b | د.ت6.4b | د.ت1.5b | 8x | 7.2x | 1.7x |
| Mon, 19 Sep 2022 | د.ت10.5b | د.ت6.4b | د.ت1.5b | 8.1x | 7.1x | 1.7x |
| Wed, 17 Aug 2022 | د.ت10.1b | د.ت6.1b | د.ت1.4b | 8.2x | 7x | 1.7x |
Price to Earnings Ratio
7x
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 | 0.032% | |
| Financials | 0.74% | |
| Insurance | 1.39% | |
| Banks | 0.79% | |
| Mortgage Finance | 0% | 0 |
| Diversified Financial | -0.29% | |
| Capital Markets | -0.40% | |
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 5.9x.
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 | |
|---|---|---|---|---|---|
| AB Amen Bank Société anonyme | د.ت43.50 | 5.3% +د.ت76.8m | 16.7% | PB0.9x | |
| AMI Assurances Multirisques Ittihad | د.ت3.49 | 7.4% +د.ت21.0m | 99.4% | PE18.7x | |
| ATB Arab Tunisian Bank | د.ت3.65 | 3.7% +د.ت16.6m | 14.8% | PB0.7x | |
| STB Société Tunisienne de Banque Société anonyme | د.ت3.00 | 3.4% +د.ت15.4m | -6.8% | PB0.3x | |
| TLS Tunisie Leasing & Factoring Société anonyme | د.ت29.74 | 4.4% +د.ت13.4m | 97.0% | PE8.6x |