BUL/XCA (BUL/XCA)

Bulgarian Stock Exchange: BUL/XCA · EUR

€14.8

-0.51 (-3.3%)· Recorded snapshot

Market cap	45.6B
Revenue (ttm)	26B
Net income (ttm)	6.1B
EPS (ttm)	€2.02
P/E (trailing)	7.3x
P/E (forward)	6.3x
Volume	167

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): 26B
Net income (ttm): 6.1B
EPS (ttm): €2.02
P/E (trailing): 7.3x
P/E (forward): 6.3x
Market cap: 45.6B

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector percentile context

Refreshed 2026-10-29 19:55 UTC

Forward P/E6.3

P25 n/aP50 n/aP75 n/a

Trailing P/E7.3

P25 n/aP50 n/aP75 n/a

ROE8.6

P25 n/aP50 n/aP75 n/a

ROICn/a

P25 n/aP50 n/aP75 n/a

Benchmarks · 1M

All BUL/XCA indicators

Market & fundamental data

Available fields

151

Groups with data

Currency

EUR

Showing 151 of 151 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Amount currency	EUR
Country	France
Country code	BG
Earnings date	2026-10-30
Employees	79,848
Employees change	1,944
Employees growth	2.5%
Exchange	Bulgarian Stock Exchange
Financial currency	EUR
Financial report date	2026-06-30
First seen	2026-10-10
Fiscal year end	December
Founded	1894
Industry	Banks - Regional
Is primary listing	No
ISIN number	FR0000045072
Last refreshed	2026-10-29
Market cap	EUR 45.6B
Next earnings date	2026-10-30
Price	EUR 14.76
Price currency	EUR
Sector	Financials
SIC code	6020
Stock price date	2026-10-23
Symbol	bul/XCA
Website	https://www.credit-agricole.com

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Average P/E ratio (10Y)	8.11x
Average P/E ratio (3Y)	7.03x
Average P/E ratio (5Y)	6.75x
Earnings yield	13.71%
FCF yield	-18.74%
Forward P/E	6.3x
Graham number	35.3943
Graham upside	139.88%
Lynch fair value	EUR 20.08
Lynch upside	36.07%
P/B ratio	0.52x
P/E ratio	7.3x
P/S ratio	1.75x
Price / tangible book value	0.78x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
Effective tax rate	26.38%
Operating margin	39.41%
Pretax margin	38.53%
Profit margin	25.32%
Profit per employee	EUR 76,683
Profitable quarters	27
Profitable years	13
Revenue per employee	EUR 325,919
ROA	0.31%
ROA (5Y)	0.33%
ROE	8.61%
ROE (5Y)	9.21%
Tax / revenue	10.16%

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
EPS growth	-12.97%
EPS growth (Q)	-14.77%
EPS growth (QoQ)	22.4%
EPS growth 10Y	6.51%
EPS growth 3Y	1.25%
EPS growth 5Y	9.32%
EPS growth years	3
Net income growth	-12.96%
Net income growth (Q)	-20.1%
Net income growth (QoQ)	22.42%
Net income growth 3Y	1.1%
Net income growth 5Y	10.14%
Net income growth years	0
Revenue growth	-1.47%
Revenue growth (Q)	-6.25%
Revenue growth (QoQ)	6.75%
Revenue growth 10Y	5.51%
Revenue growth 3Y	5.27%
Revenue growth 5Y	5.42%
Revenue growth years	3

Financial statements

Income-statement and cash-flow amounts, totals and per share.

Metric	Value
Capital expenditures	EUR -649M
EPS	EUR 2.02
Financing cash flow	EUR -4.6B
Free cash flow	EUR -8.6B
Gross profit	EUR 26B
Income taxes	EUR 2.6B
Investing cash flow	EUR -4.3B
Net cash flow	EUR -21.8B
Net income	EUR 6.1B
Operating income	EUR 10.3B
Revenue	EUR 26B

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Book value per share	EUR 23.20
Debt / equity	7.35
Goodwill	EUR 16.5B
Net cash (debt)	EUR 402.1B
Net cash / market cap	881.28%
Net cash growth	-20.2%
Net debt / equity	-4.62
Piotroski F-Score	2
Property, plant and equipment	EUR 10.5B
Shareholders' equity	EUR 86.9B
Tangible book value	EUR 58.2B
Tangible book value per share	EUR 16.60
Total assets	EUR 2.5T
Total cash	EUR 1T
Total debt	EUR 639.1B
Total liabilities	EUR 2.4T

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Working capital	EUR -385.4B

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback yield / dilution	0.09%
Payout ratio	50.52%
Shareholder yield	0.09%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
1D price change	-3.34%
1M price change	-19.79%
1M total return	-19.79%
1W price change	-2.99%
1W total return	-2.99%
1Y price change	-11.25%
1Y return CAGR	-11.26%
1Y total return	-11.25%
20-day SMA	EUR 13.67
52-week high	EUR 18.40
52-week high date	2026-09-16
52-week low	EUR 14.73
52-week low date	2026-10-23
6M price change	-14.76%
6M total return	-14.76%
All-time high	EUR 18.40
All-time high date	2026-09-16
All-time low	EUR 9.52
All-time low date	2022-11-17
Average true range (ATR)	EUR 0.93
Average volume	137.3
Change from 52-week high	-19.81%
Change from 52-week low	0.17%
Change from all-time high	-19.81%
Change from all-time low	54.92%
Change from open	0.17%
Day's gap	-3.5%
Dollar volume	EUR 2,464
High price	EUR 14.76
Low price	EUR 14.73
Monthly RSI	0
Open price	EUR 14.73
Position in 52-week range	100%
Previous close	EUR 15.27
Price vs 20-day SMA	7.98%
Relative volume	1.22
RSI	59.54
Sharpe ratio	4.6
Sortino ratio	8.42
Volume	167
Weekly RSI	0
YTD price change	-11.25%
YTD total return	-11.25%

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	873.3M
Shares change (QoQ)	0.01%
Shares change (YoY)	-0.09%
Shares held by institutions	8.86%

Deeper analysis on BUL/XCA

14 sections in the full report · jump straight to what you need

Forecast

Base and Bull forecast paths with report-date return framing.

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Valuation

Fair-value bridge, DCF, owner earnings, and peer multiples.

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Sensitivity

Cost-of-equity and terminal-growth stress table.

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Risks

Kill scenarios, soft-pass flags, and downside catalysts.

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Earnings

Next earnings setup and beat / inline / miss thresholds.

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Position sizing

Entry, exit, conviction, and quarterly monitoring rules.

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Financials

Revenue, margins, cash flow, and balance-sheet context.

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Peers

Relative valuation and profitability against the cohort.

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Moat

Economic-profit evidence and competitive advantage risk.

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Industry cycle

Sector phase, capital cycle, and secular tailwinds.

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Frequently asked questions

About this BUL/XCA report

Is a complete BUL/XCA research report available?

No complete published report is available for bul/XCA (BUL/XCA) on this page. Market-directory data, when present, is not a substitute for a validated stock analysis.

BUL/XCA (BUL/XCA)

Price

Financial snapshot

Fair-value bridge

Latest news · BUL/XCA

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All BUL/XCA indicators

Profile and market data

Valuation

Profitability

Growth

Financial statements

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Ownership and float

Deeper analysis on BUL/XCA

Frequently asked questions