Tunisie Leasing et Factoring SA
Tunisie Leasing et Factoring SA provides banking and financial services in Tunisia, generating revenue primarily through leasing, factoring, and other financial intermediation activities.
Business. Tunisie Leasing et Factoring SA (TLS.TN) is a Tunisian company classified within the Technology Equipment industry. The firm operates as a fee-income business, though specific operating segments and geographic details are not disclosed. It is listed under the ticker TLS.TN.
Analyst recommendations
1 analysts · consensus BuyAt a glance
What drives this business
The watch-list the newsroom runs for this company — derived from its sector path, sharpened layer by layer. Not investment advice.
News & coverage
0Sector rotation
Developing storylines
Analysis
AI analysisOpportunity
Upcoming catalysts
Scheduled public events. Informational only — not investment advice.
- Company
- EarningsQ3 2026 earnings (expected)2026-10-28 · estimated
- 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
Tunisie Leasing et Factoring SA (TLS.TN) is a Tunisian company classified within the Technology Equipment industry. The firm operates as a fee-income business, though specific operating segments and geographic details are not disclosed. It is listed under the ticker TLS.TN.
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.
- 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.
Bull / Bear case
Generated · model-assistedIn focus — financials by report
Revenue TND 80.7M, −58,7% YoY; Operating income −56,8% YoY.
- ▍Revenue TND 80.7M, −58,7% YoY
- ▍Operating income −56,8% YoY
- ▍Net income −35,4% YoY
- ▍Free cash flow −90,8% YoY
- ▍Net margin 30.0%
Revenue TND 195.4M, +22,9% YoY; Operating income +50,9% YoY.
- ▍Revenue TND 195.4M, +22,9% YoY
- ▍Operating income +50,9% YoY
- ▍Net income +32,8% YoY
- ▍Free cash flow +209,7% YoY
- ▍Net margin 19.2%
Revenue TND 159.1M, +6,0% YoY; Operating income +24,1% YoY.
- ▍Revenue TND 159.1M, +6,0% YoY
- ▍Operating income +24,1% YoY
- ▍Net income +36,3% YoY
- ▍Free cash flow +75,8% YoY
- ▍Net margin 17.7%
Revenue TND 135.1M; Operating income TND 16.6M.
- ▍Revenue TND 135.1M
- ▍Operating income TND 16.6M
- ▍Net margin 8.2%
Valuation FY
Revenue by segment
Business relationships
Supply chain
Peer comparison
Market position
Stress test
Predictor forecast
| Metric | Our forecast | Guidance | Consensus |
|---|---|---|---|
| EPS | —no estimate | —no estimate | 5,24 |
| Revenue | —no estimate | —no estimate | 243,0M TND |
| Operating income | —no estimate | —no estimate | 128,0M TND |
Options
Short squeeze
Earnings-call key lines
Consensus distribution
sell-side coverageEstimate revisions
consensus EPS · 26-week trendSell-side observations
Themes
ESG
Risk factors
Benchmarks vs cohort
Corporate actions / M&A
FX exposure
Comparable transactions
Derivatives & instruments
Derivative transactions
- Director, Chairman and CEO · Performance-Based RSUs → Common StockAcquired 544 101grant · 2026-05-26
- VP, Human Resources · Performance-Based RSUs → Common StockAcquired 12 942grant · 2026-05-26
- EVP, Security Solutions · Performance-Based RSUs → Common StockAcquired 160 145grant · 2026-05-26
- EVP, General Counsel · Performance-Based RSUs → Common StockAcquired 138 337grant · 2026-05-26
- EVP, CFO · Performance-Based RSUs → Common StockAcquired 185 216grant · 2026-05-26
- VP, Chief Info Tech Officer · Performance-Based RSUs → Common StockAcquired 19 004grant · 2026-05-26
Actions
Ask Handelsavisen
- Market data
- Market data cache
- Issuer disclosures
- Public news
- Earnings transcripts
- Consensus estimates
- ESG data
- Dilution Ratio(shares_outstanding_diluted - shares_outstanding_basic) / shares_outstanding_basic
- Tunisie Leasing et Factoring SA Market data — financials · 2026-05-29
- Tunisie Leasing et Factoring SA Market data — analyst estimates · 2026-05-29
Ownership & reference
Insider activity
- EVP, CFO · Common StockSold 80 140 @ $4,41$353K · 2026-06-26
- EVP, CFO · Common StockSold 97 976 @ $4,19$411K · 2026-06-25
- EVP, CFO · Common StockSold 71 884 @ $4,36$313K · 2026-06-24
- Director · Common StockSold 7 000 @ $4,36$31K · 2026-06-24
- Director · Common StockSold 55 772 @ $4,31$240K · 2026-06-22
- Director · Common StockSold 8 000 @ $4,78$38K · 2026-05-28
- Director · Common StockOther 34 091 · 2026-05-26
- Director, Chairman and CEO · Common StockOther 362 734 · 2026-05-26
- EVP, General Counsel · Common StockOther 92 225 · 2026-05-26
- VP, Human Resources · Common StockOther 33 001 · 2026-05-26
- EVP, Security Solutions · Common StockOther 106 763 · 2026-05-26
- VP, Chief Info Tech Officer · Common StockOther 52 787 · 2026-05-26
- EVP, CFO · Common StockOther 123 477 · 2026-05-26
- Controller, Chief Acct Officer · Common StockOther 13 288 · 2026-05-26
- Director · Common StockOther 34 091 · 2026-05-26
- Director · Common StockOther 34 091 · 2026-05-26
- Director · Common StockOther 34 091 · 2026-05-26
- Director · Common StockOther 34 091 · 2026-05-26
- Director · Common StockOther 34 091 · 2026-05-26
- EVP, CFO · Common StockOther 98 019 @ $4,20$412K · 2026-05-16
- VP, Human Resources · Common StockOther 2 310 @ $4,20$10K · 2026-05-16
- EVP, Security Solutions · Common StockOther 77 097 @ $4,20$324K · 2026-05-16
- VP, Chief Info Tech Officer · Common StockOther 2 548 @ $4,20$11K · 2026-05-16
- EVP, General Counsel · Common StockOther 59 675 @ $4,20$251K · 2026-05-16
- Director · Common StockSold 18 000 @ $4,14$75K · 2026-05-14
Short positioning
Geographic breakdown
Intel & risk
Evidence & claims
From filings & derived data- Capex (YoY) (2025-12-31 vs 2024-12-31): -67.2%Derived (calculated)
- R&D expense (YoY) (2025-12-31 vs 2024-12-31): -16.4%Derived (calculated)
- Net margin (FY 2025-12-31): -22.2%Derived (calculated)
- Gross margin (FY 2025-12-31): 37.0%Derived (calculated)
- Return on equity (FY 2025-12-31): -38.1%Derived (calculated)
- Return on assets (FY 2025-12-31): -26.1%Derived (calculated)
- Current ratio (FY 2025-12-31): 2.57xDerived (calculated)
- Debt-to-equity (FY 2025-12-31): 0.46xDerived (calculated)
- Revenue (YoY) (2025-12-31 vs 2024-12-31): 52.2%Derived (calculated)
- Cash & equivalents (YoY) (2025-12-31 vs 2024-12-31): -2.6%Derived (calculated)
- Cost of revenue (YoY) (2025-12-31 vs 2024-12-31): 40.6%Derived (calculated)
- Operating income (YoY) (2025-12-31 vs 2024-12-31): 28.6%Derived (calculated)
- Shareholders' equity (YoY) (2025-12-31 vs 2024-12-31): -24.5%Derived (calculated)
- EPS (basic) (YoY) (2025-12-31 vs 2024-12-31): 31.5%Derived (calculated)
- EPS (diluted) (YoY) (2025-12-31 vs 2024-12-31): 31.5%Derived (calculated)
- Gross profit (YoY) (2025-12-31 vs 2024-12-31): 77.2%Derived (calculated)
- Net income (YoY) (2025-12-31 vs 2024-12-31): 30.4%Derived (calculated)
- Operating cash flow (YoY) (2025-12-31 vs 2024-12-31): 216.4%Derived (calculated)
- Total liabilities (YoY) (2025-12-31 vs 2024-12-31): 41.2%Derived (calculated)
- Total assets (YoY) (2025-12-31 vs 2024-12-31): -11.6%Derived (calculated)
- Operating income (annual): USD -39.88MSEC XBRL filing
- Total operating expenses (annual): USD 100.9MSEC XBRL filing
- Total assets (annual): USD 139.86MSEC XBRL filing
- Gross profit (annual): USD 61.02MSEC XBRL filing