Wifak.Tn
WIFAK.TN is a Tunisian bank operating in the financial services sector, primarily generating revenue through interest income from loans and fees from banking services.
Business. WIFAK.TN is a Tunisian bank operating in the financial services sector, primarily generating revenue through interest income from loans and fees from banking services.
Analyst recommendations
1 analysts · consensus SellAt a glance
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- Peers
- DividendDividend USD 1.75/sh2026-09-25 · Bank of America (BAC)
- EarningsQ3 2026 earnings (expected)2026-10-13 · estimated · JPMorgan Chase (JPM)
- EarningsQ3 2026 earnings (expected)2026-10-13 · estimated · Citigroup (C)
- Macro
- Rate decisionBank of England rate decision (press conf.)2026-08-06 · GB
- Rate decisionReserve Bank of Australia rate decision (press conf.)2026-08-12 · AU
- Rate decisionNorges Bank rate decision (press conf.)2026-08-20 · NO
- Rate decisionSveriges Riksbank rate decision (press conf.)2026-09-03 · SE
- Rate decisionBank of Canada rate decision (press conf.)2026-09-09 · CA
- Rate decisionEuropean Central Bank rate decision (press conf.)2026-09-10 · EU
- Macro & political
- ElectionSE Swedish Election2026-09-14 · SE
- ElectionUS U.S. Midterms2026-11-03 · US
- ElectionFR French Legislative2027-06-01 · FR
Pre-earnings brief
Signals & dispatch
Composite-score breakdown
Synthesis
WIFAK.TN is a Tunisian bank operating in the financial services sector, primarily generating revenue through interest income from loans and fees from banking services.
WIFAK.TN has a liquidity position that is characterized by a debt-to-equity ratio of 8.96, indicating a high level of leverage. The company's cash and equivalents amount to 75,086,620 TND, which is significantly lower than its long-term debt of 1,551,454,470 TND, resulting in a negative net cash position. This suggests that the company may face liquidity challenges if it needs to meet its long-term obligations without additional financing.
In terms of profitability, WIFAK.TN's return on equity (ROE) is 5.7%, which is a measure of how effectively the company is using shareholders' equity to generate profits. The return on assets (ROA) is 0.49%, indicating that the company is not generating a high return relative to its total assets. These figures suggest that the company's profitability is below average for the banking industry, which typically has higher ROE and ROA metrics.
The company's revenue is concentrated in its core banking operations, with no disclosed segments or geographic breakdowns provided in the available data. This lack of diversification could pose a risk if the banking sector in Tunisia experiences a downturn or if the company's customer base is affected by economic or political instability.
Looking at the growth trajectory, WIFAK.TN's recent financial performance shows a net income of 9,871,140 TND and an operating income of 16,093,040 TND. However, the company's free cash flow is negative at -1,960,410 TND, and its capital expenditure is -20,124,330 TND, indicating that the company is investing in its operations but not generating sufficient cash to cover these investments. This could limit the company's ability to grow without external financing.
The risk assessment for WIFAK.TN highlights a medium liquidity risk and a low dilution risk. The company's debt-to-equity ratio of 8.96 suggests that it is highly leveraged, which increases its financial risk. Additionally, the negative net cash position after subtracting total debt indicates that the company may need to raise additional capital or refinance its debt to maintain its operations.
Recent events and filings for WIFAK.TN do not provide specific details on new initiatives or strategic changes. The company's financial performance and risk profile suggest that it is maintaining its current operations but may need to address its liquidity and leverage issues to support long-term growth.
- WIFAK.TN has a high debt-to-equity ratio of 8.96, indicating significant leverage and potential liquidity risk.
- The company's return on equity is 5.7%, which is relatively low for a bank, suggesting inefficiency in generating returns for shareholders.
- WIFAK.TN's free cash flow is negative, and its capital expenditure is substantial, indicating that the company is investing in its operations but not generating sufficient cash to cover these investments.
- The company's liquidity position is medium risk, and its dilution risk is low, but the negative net cash position after subtracting total debt is a concern.
- WIFAK.TN's financial performance and risk profile suggest that it is maintaining its current operations but may need to address its liquidity and leverage issues to support long-term growth.
Bull / Bear case
analysis pipelineIn focus — financials by report
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Peer comparison
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Stress test
Predictor forecast
| Metric | Our forecast | Guidance | Consensus |
|---|---|---|---|
| EPS | —no estimate | —no estimate | 0,37 |
| Revenue | —no estimate | —no estimate | 115,0M TND |
| Operating income | —no estimate | —no estimate | 15,8M TND |
Options
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sell-side coverageEstimate revisions
consensus EPS · 26-week trendSell-side observations
Themes
ESG
Risk factors
- Net cash is negative after subtracting total debt.
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- Cash Conversion Ratiooperating_cash_flow / net_income
- WIFAK.TN Market data — financials · 2026-05-30
- Wifack International Bank SA Market data — analyst estimates · 2026-05-30