BUL/CRIN (BUL/CRIN)

Bulgarian Stock Exchange: BUL/CRIN · EUR

€77.2

+0.60 (+0.8%)· Recorded snapshot

Market cap	111.7B
Revenue (ttm)	24.8B
Net income (ttm)	10.7B
EPS (ttm)	€7.04
P/E (trailing)	11.0x
P/E (forward)	9.6x
Volume	250

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): 24.8B
Net income (ttm): 10.7B
EPS (ttm): €7.04
P/E (trailing): 11.0x
P/E (forward): 9.6x
Market cap: 111.7B

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/E9.6

P25 n/aP50 n/aP75 n/a

Trailing P/E11

P25 n/aP50 n/aP75 n/a

ROE15.8

P25 n/aP50 n/aP75 n/a

ROICn/a

P25 n/aP50 n/aP75 n/a

Benchmarks · 1M

All BUL/CRIN indicators

Market & fundamental data

Available fields

161

Groups with data

Currency

EUR

Showing 161 of 161 available metrics for this ticker.

Profile and market data

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

Metric	Value
Amount currency	EUR
Country	Italy
Country code	BG
Earnings date	2026-11-08
Employees	66,180
Employees change	-5,930
Employees growth	-8.22%
Exchange	Bulgarian Stock Exchange
Financial currency	EUR
Financial report date	2026-06-30
First seen	2026-10-10
Fiscal year end	December
Founded	1870
Industry	Banks - Regional
Is primary listing	No
ISIN number	IT0005239360
Last refreshed	2026-10-29
Market cap	EUR 111.7B
Next earnings date	2026-11-08
Price	EUR 77.18
Price currency	EUR
Sector	Financials
SIC code	6020
Stock price date	2026-10-13
Symbol	bul/CRIN
Website	https://www.unicreditgroup.eu

Valuation

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

Metric	Value
Average P/E ratio (10Y)	8.44x
Average P/E ratio (3Y)	7.37x
Average P/E ratio (5Y)	8x
Earnings yield	9.12%
FCF yield	15.26%
Forward P/E	9.63x
Graham number	90.3295
Graham upside	17.04%
Lynch fair value	EUR 185.31
Lynch upside	140.1%
P/B ratio	1.58x
P/E ratio	10.96x
P/FCF ratio	6.55x
P/OCF ratio	6.3x
P/S ratio	4.5x
Price / tangible book value	1.65x

Profitability

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

Metric	Value
Effective tax rate	18.78%
FCF margin	68.63%
Operating margin	62.95%
Pretax margin	54.44%
Profit margin	43.97%
Profit per employee	EUR 162,118
Profitable quarters	18
Profitable years	5
Revenue per employee	EUR 375,385
ROA	1.23%
ROA (5Y)	0.94%
ROE	15.78%
ROE (5Y)	12.16%
Tax / revenue	10.22%

Growth

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

Metric	Value
EPS growth	8.18%
EPS growth (Q)	-10.47%
EPS growth (QoQ)	-14.12%
EPS growth 10Y	8.07%
EPS growth 3Y	17.62%
EPS growth 5Y	63.14%
EPS growth years	5
FCF growth 5Y	-30.66%
Net income growth	3.08%
Net income growth (Q)	-13.13%
Net income growth (QoQ)	-12.74%
Net income growth 3Y	8.19%
Net income growth 5Y	51.13%
Net income growth years	5
OCF growth 5Y	-30.23%
Revenue growth	0.76%
Revenue growth (Q)	-9.19%
Revenue growth (QoQ)	-10.89%
Revenue growth 10Y	6.05%
Revenue growth 3Y	5.33%
Revenue growth 5Y	11.38%
Revenue growth years	0

Financial statements

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

Metric	Value
Capital expenditures	EUR -681M
EPS	EUR 7.04
Financing cash flow	EUR -8.9B
Free cash flow	EUR 17.1B
Gross profit	EUR 24.8B
Income taxes	EUR 2.5B
Investing cash flow	EUR -5B
Net cash flow	EUR 4.1B
Net income	EUR 10.7B
Operating income	EUR 15.6B
Revenue	EUR 24.8B

Financial strength

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

Metric	Value
Book value per share	EUR 47.00
Debt / equity	3.5
Debt / FCF	14.53
Goodwill	EUR 840M
Net cash (debt)	EUR -54.8B
Net cash / market cap	-49.07%
Net debt / equity	0.77
Net debt / FCF	3.22
Piotroski F-Score	4
Property, plant and equipment	EUR 8.6B
Shareholders' equity	EUR 70.8B
Tangible book value	EUR 67.5B
Tangible book value per share	EUR 45.05
Total assets	EUR 932.1B
Total cash	EUR 193B
Total debt	EUR 247.8B
Total liabilities	EUR 861.3B

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Working capital	EUR -449.7B

Dividends and buybacks

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

Metric	Value
Buyback yield / dilution	3.15%
Payout ratio	48.64%
Shareholder yield	3.15%

Performance and technicals

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

Metric	Value
1D price change	0.78%
1M price change	-9%
1M total return	-9%
1W price change	-2.37%
1W total return	-2.37%
1Y price change	19.81%
1Y return CAGR	19.82%
1Y total return	19.81%
20-day SMA	EUR 70.33
3M price change	-5.65%
3M total return	-5.65%
50-day SMA	EUR 46.17
52-week high	EUR 85.51
52-week high date	2026-08-06
52-week low	EUR 60.04
52-week low date	2026-03-27
6M price change	28.55%
6M total return	28.55%
All-time high	EUR 85.51
All-time high date	2026-08-06
All-time low	EUR 12.39
All-time low date	2022-12-05
Average true range (ATR)	EUR 3.37
Average volume	55.4
Change from 52-week high	-9.74%
Change from 52-week low	28.55%
Change from all-time high	-9.74%
Change from all-time low	522.97%
Change from open	0.22%
Day's gap	0.56%
Dollar volume	EUR 19,295
High price	EUR 77.50
Low price	EUR 77.01
Monthly RSI	73.45
Open price	EUR 77.01
Position in 52-week range	34.69%
Previous close	EUR 76.58
Price vs 20-day SMA	9.74%
Price vs 50-day SMA	67.18%
Relative volume	4.51
RSI	64.86
Sharpe ratio	4.65
Sortino ratio	24.04
Volume	250
Weekly RSI	0
YTD price change	9.46%
YTD total return	9.46%

Ownership and float

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

Metric	Value
Float	1.5B
Shares change (QoQ)	1.58%
Shares change (YoY)	-3.15%
Shares held by institutions	44.84%

Deeper analysis on BUL/CRIN

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

Forecast

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

→

Valuation

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

→

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.

→

Frequently asked questions

About this BUL/CRIN report

Is a complete BUL/CRIN research report available?

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

BUL/CRIN (BUL/CRIN)

Price

Financial snapshot

Fair-value bridge

Latest news · BUL/CRIN

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All BUL/CRIN 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/CRIN

Frequently asked questions