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INDICATIVE · SAMPLE DATA
TLS.TN57

Tunisie Leasing et Factoring SA

Corporate Financial ServicesVerified

Tunisie Leasing et Factoring SA has a basic capital structure with 10.8 million shares outstanding, both basic and diluted, indicating no dilution from stock options or convertible instruments. However, liquidity risk could not be assessed due to the absence of balance-sheet inputs and no going-concern language in source documents. Profitability metrics are not available in the valuation snapshot, but the company reported an EPS of 3.17 TND in the latest period, below the mean analyst estimate of 5.24 TND. This suggests potential upside in earnings if the company meets expectations, though it does not provide a direct comparison to industry medians or preferred metrics. The company operates as a single business segment, with no disclosed geographic diversification beyond Tunisia. This concentration increases exposure to local economic and regulatory conditions. Outlook data is not available for the company, but the EPS gap between actual and estimated values implies a potential growth trajectory if the company can close the 3.07 TND per share earnings gap. Risk factors include the inability to assess liquidity risk and the absence of detailed capital structure data. Dilution risk is currently low, as there is no evidence of dilutive instruments or recent equity issuance. Recent events include the publication of the latest financial snapshot and analyst estimates, but no specific filings or transcripts are available in the source data.

30-day price · TLS.TN+0.12 (+0.3%)
Low$31.90High$41.10Close$39.75As of11 May, 00:00 UTC
Profile
CompanyTunisie Leasing et Factoring SA
TickerTLS.TN
SectorFinancials
BusinessBanking & Investment Services
Industry groupBanking & Investment Services
IndustryCorporate Financial Services
AI analysis

Business. Tunisie Leasing et Factoring SA provides banking and financial services in Tunisia, generating revenue primarily through leasing, factoring, and other financial intermediation activities.

Classification. The company is classified under the Financials sector, specifically in the Banking & Investment Services business sector and the Corporate Financial Services industry, with a confidence level of 0.92.

Tunisie Leasing et Factoring SA has a basic capital structure with 10.8 million shares outstanding, both basic and diluted, indicating no dilution from stock options or convertible instruments. However, liquidity risk could not be assessed due to the absence of balance-sheet inputs and no going-concern language in source documents. Profitability metrics are not available in the valuation snapshot, but the company reported an EPS of 3.17 TND in the latest period, below the mean analyst estimate of 5.24 TND. This suggests potential upside in earnings if the company meets expectations, though it does not provide a direct comparison to industry medians or preferred metrics. The company operates as a single business segment, with no disclosed geographic diversification beyond Tunisia. This concentration increases exposure to local economic and regulatory conditions. Outlook data is not available for the company, but the EPS gap between actual and estimated values implies a potential growth trajectory if the company can close the 3.07 TND per share earnings gap. Risk factors include the inability to assess liquidity risk and the absence of detailed capital structure data. Dilution risk is currently low, as there is no evidence of dilutive instruments or recent equity issuance. Recent events include the publication of the latest financial snapshot and analyst estimates, but no specific filings or transcripts are available in the source data.
Key takeaways
  • Tunisie Leasing et Factoring SA has a basic capital structure with no dilution from options or convertibles.
  • The company's EPS of 3.17 TND is below the mean analyst estimate of 5.24 TND, indicating potential upside.
  • The company operates as a single segment with no geographic diversification, increasing exposure to local conditions.
  • Liquidity risk could not be assessed due to missing balance-sheet data and no going-concern language.
  • Analysts have issued one "Buy" recommendation, with no "Strong Buy" or "Sell" ratings.
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  • ## RATIONALES
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Financial snapshot
PeriodHA-latest
CurrencyTND
Revenue
Gross profit
Operating income
Net income
R&D
SG&A
D&A
SBC
Operating cash flow
CapEx
Free cash flow
Total assets
Total liabilities
Total equity
Cash & equivalents
Long-term debt
Annual history (last 5)
PeriodRevenueOp IncomeNet IncomeFCF
FY-4$135.1M$16.6M$11.0M-$24.0M
FY-3$150.1M$45.6M$20.7M$5.8M
FY-2$159.1M$56.5M$28.2M$10.1M
FY-1$195.4M$85.3M$37.5M$31.4M
FY0$80.7M$36.8M$24.2M$2.9M
PeriodGross %Op %Net %FCF %
FY-4
FY-3
FY-2
FY-1
FY0
PeriodAssetsEquityCashDebt
FY-4$2.16B$220.0M$147.5M
FY-3$2.19B$239.7M$93.7M
FY-2$2.42B$262.1M$78.8M
FY-1$2.70B$289.2M$201.3M
FY0$1.20B$289.7M$7.5M
PeriodOCFCapExFCFSBC
FY-4$101.4M-$38.5M-$24.0M
FY-3$14.0M-$32.7M$5.8M
FY-2-$40.5M-$37.6M$10.1M
FY-1-$34.7M-$33.8M$31.4M
FY0$18.1M-$9.0M$2.9M
Quarterly history (last 4)
PeriodRevenueOp IncomeNet IncomeFCF
FQ-7
FQ-6
FQ-5
FQ-4
FQ-3
FQ-2
FQ-1
FQ0
PeriodGross %Op %Net %FCF %
FQ-7
FQ-6
FQ-5
FQ-4
FQ-3
FQ-2
FQ-1
FQ0
PeriodAssetsEquityCashDebt
FQ-7
FQ-6
FQ-5
FQ-4
FQ-3
FQ-2
FQ-1
FQ0
PeriodOCFCapExFCFSBC
FQ-7
FQ-6
FQ-5
FQ-4
FQ-3
FQ-2
FQ-1
FQ0
Valuation
Market price
Market cap
Enterprise value
P/E
Reported non-GAAP P/E
EV/Revenue
EV/Op income
EV/OCF
P/B
P/Tangible book
Tangible book
Net cash
Current ratio
Debt/Equity
ROA
ROE
Cash conversion
CapEx/Revenue
SBC/Revenue
Asset intensity
Dilution ratio0.0%
Risk assessment
Dilution riskLow
Liquidity riskUnknown
  • Liquidity risk could not be assessed (no balance-sheet inputs and no going-concern language in source documents).
Industry benchmarks
Activity: Banking · cohort 265 companies
MetricTLS.TNActivity
Op margin29.4% medp25 11.0% · p75 55.5%
Net margin14.7% medp25 3.8% · p75 30.9%
Gross margin63.7% medp25 42.1% · p75 95.0%
CapEx / revenue-1.4% medp25 -3.9% · p75 -0.4%
Debt / equity121.9% medp25 14.0% · p75 332.1%
Observations
IR observations
Mean recommendation2.00 (1=strong buy, 5=strong sell)
Strong-buy count0.00
Buy count1.00
Hold count0.00
Sell count0.00
Strong-sell count0.00
Mean EPS estimate5.24 TND
Last actual EPS3.17 TND
Mean revenue estimate243,000,000 TND
Last actual revenue165,365,680 TND
Mean EBIT estimate128,000,000 TND
Source data
Underlying data the analysis-pipeline pulls and audits. Fetch timestamps + content hashes show when each source was last refreshed.
Company fundamentalsperiod FQ-7 · history via verified-market-data
no public URL
2026-05-12 00:26 UTC#a8c10fda
Source: analysis-pipeline (hybrid)Generated: 2026-05-29 17:45 UTCJob: 2a893e65