Financials Union Internationale de Banques Société anonyme

Equities

UIB

TN0003900107

Banks

End-of-day quote Tunis 06:00:00 2024-04-25 pm EDT 5-day change 1st Jan Change
24.9 TND -0.36% Intraday chart for Union Internationale de Banques Société anonyme -0.40% -3.86%

Valuation

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Capitalization 1 791.1 592.4 542.6 829.4 895.1 860.5 - -
Enterprise Value (EV) 1 791.1 592.4 542.6 829.4 895.1 860.5 860.5 860.5
P/E ratio 6.8 x 9.09 x 6.67 x 6.26 x 7.16 x 7.28 x 8.8 x 10.6 x
Yield 3.06% - - - - 3.41% 3.21% 3.01%
Capitalization / Revenue 1.89 x 1.47 x 1.23 x 1.68 x 1.71 x 1.61 x 1.6 x 1.58 x
EV / Revenue 1.89 x 1.47 x 1.23 x 1.68 x 1.71 x 1.61 x 1.6 x 1.58 x
EV / EBITDA - - - - - - - -
EV / FCF - - - - - - - -
FCF Yield - - - - - - - -
Price to Book - - - - - - - -
Nbr of stocks (in thousands) 34,560 34,560 34,560 34,560 34,560 34,560 - -
Reference price 2 22.89 17.14 15.70 24.00 25.90 24.90 24.90 24.90
Announcement Date 4/7/20 4/1/21 4/13/22 4/4/23 4/4/24 - - -
1TND in Million2TND
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Net sales 1 419.7 403 442.8 493.2 523 536 537 545
EBITDA - - - - - - - -
EBIT 183.3 130.3 159 215.2 213.6 - - -
Operating Margin 43.68% 32.32% 35.9% 43.64% 40.84% - - -
Earnings before Tax (EBT) - - - - - - - -
Net income 1 116.3 65.17 81.37 132.5 125 118 97.9 81.3
Net margin 27.71% 16.17% 18.37% 26.87% 23.9% 22.01% 18.23% 14.92%
EPS 2 3.365 1.886 2.354 3.835 3.616 3.420 2.830 2.350
Free Cash Flow - - - - - - - -
FCF margin - - - - - - - -
FCF Conversion (EBITDA) - - - - - - - -
FCF Conversion (Net income) - - - - - - - -
Dividend per Share 2 0.7000 - - - - 0.8500 0.8000 0.7500
Announcement Date 4/7/20 4/1/21 4/13/22 4/4/23 4/4/24 - - -
1TND in Million2TND
Estimates

Balance Sheet Analysis

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Net Debt - - - - - - - -
Net Cash position - - - - - - - -
Leverage (Debt/EBITDA) - - - - - - - -
Free Cash Flow - - - - - - - -
ROE (net income / shareholders' equity) 19.1% 9.43% 10.8% 15.9% - 11.5% 8.82% 6.94%
ROA (Net income/ Total Assets) - - - - - - - -
Assets 1 - - - - - - - -
Book Value Per Share - - - - - - - -
Cash Flow per Share - - - - - - - -
Capex - - - - - - - -
Capex / Sales - - - - - - - -
Announcement Date 4/7/20 4/1/21 4/13/22 4/4/23 4/4/24 - - -
1TND in Million
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

Sell
Consensus
Buy
Mean consensus
OUTPERFORM
Number of Analysts
1
Last Close Price
24.9 TND
Average target price
30.2 TND
Spread / Average Target
+21.29%
Consensus

Annual profits - Rate of surprise

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