BUL/NCB (BUL/NCB)

Bulgarian Stock Exchange: BUL/NCB · EUR

€45.3

-0.40 (-0.9%)· Recorded snapshot

Market cap	315.8B
Revenue (ttm)	101.2B
Net income (ttm)	27.1B
EPS (ttm)	€3.77
P/E (trailing)	12.0x
P/E (forward)	10.1x
Volume	5

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): 101.2B
Net income (ttm): 27.1B
EPS (ttm): €3.77
P/E (trailing): 12.0x
P/E (forward): 10.1x
Market cap: 315.8B

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector percentile context

Refreshed 2026-10-29 13:30 UTC

Forward P/E10.1

P25 n/aP50 n/aP75 n/a

Trailing P/E12

P25 n/aP50 n/aP75 n/a

ROE10.7

P25 n/aP50 n/aP75 n/a

ROICn/a

P25 n/aP50 n/aP75 n/a

Benchmarks · 1M

All BUL/NCB indicators

Market & fundamental data

Available fields

163

Groups with data

Currency

USD

Showing 163 of 163 available metrics for this ticker.

Profile and market data

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

Metric	Value
Amount currency	EUR
Country	United States
Country code	BG
Earnings date	2026-10-14
Employees	209,911
Employees change	-2,000
Employees growth	-0.94%
Exchange	Bulgarian Stock Exchange
Financial currency	USD
Financial report date	2026-09-30
First seen	2026-10-10
Fiscal year end	December
Founded	1784
Industry	Banks - Diversified
Is primary listing	No
ISIN number	US0605051046
Last earnings date	2026-10-14
Last refreshed	2026-10-29
Market cap	EUR 315.8B
Next earnings date	2027-01-15
Price	EUR 45.34
Price currency	EUR
Sector	Financials
SIC code	6020
Stock price date	2026-10-23
Symbol	bul/NCB
Website	https://www.bankofamerica.com

Valuation

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

Metric	Value
Average P/E ratio (10Y)	12.2x
Average P/E ratio (3Y)	12.84x
Average P/E ratio (5Y)	11.52x
Earnings yield	8.3%
FCF yield	26.91%
Forward P/E	10.08x
Graham number	57.29345
Graham upside	26.36%
Lynch fair value	EUR 19.44
Lynch upside	-57.11%
P/B ratio	1.21x
P/E ratio	12.04x
P/FCF ratio	3.72x
P/OCF ratio	3.72x
P/S ratio	3.12x
Price / tangible book value	1.77x

Profitability

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

Metric	Value
Effective tax rate	20.51%
FCF margin	83.16%
Operating margin	35.31%
Pretax margin	35.31%
Profit margin	28.06%
Profit per employee	EUR 129,054
Profitable quarters	47
Profitable years	15
Revenue per employee	EUR 481,913
ROA	0.94%
ROA (5Y)	0.91%
ROE	10.73%
ROE (5Y)	10.13%
Tax / revenue	7.24%

Growth

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

Metric	Value
EPS growth	15.35%
EPS growth (Q)	-14.27%
EPS growth (QoQ)	-24.61%
EPS growth 10Y	11.87%
EPS growth 3Y	5.53%
EPS growth 5Y	4.68%
EPS growth quarters	7
EPS growth years	2
FCF growth 3Y	28.51%
Net income growth	9.26%
Net income growth (Q)	-18.14%
Net income growth (QoQ)	-25.23%
Net income growth 3Y	2.07%
Net income growth 5Y	1.19%
Net income growth quarters	7
Net income growth years	2
OCF growth 10Y	5.1%
OCF growth 3Y	28.51%
Revenue growth	7.09%
Revenue growth (Q)	7.08%
Revenue growth (QoQ)	-4.98%
Revenue growth 10Y	3.73%
Revenue growth 3Y	5.88%
Revenue growth 5Y	4.72%
Revenue growth quarters	9
Revenue growth years	5

Financial statements

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

Metric	Value
EPS	EUR 3.77
Financing cash flow	EUR -41.9B
Free cash flow	EUR 85B
Gross profit	EUR 101.2B
Income taxes	EUR 7.3B
Investing cash flow	EUR -73.9B
Net borrowing	EUR -23.2B
Net cash flow	EUR -32.5B
Net income	EUR 27.1B
Operating income	EUR 35.7B
Revenue	EUR 101.2B

Financial strength

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

Metric	Value
Book value per share	EUR 34.57
Debt / equity	2.51
Debt / FCF	7.73
Goodwill	EUR 61.9B
Net cash (debt)	EUR 216.1B
Net cash / market cap	68.44%
Net cash growth	2,104.29%
Net debt / equity	-0.83
Net debt / FCF	-2.54
Piotroski F-Score	4
Property, plant and equipment	EUR 12.5B
Shareholders' equity	EUR 261.3B
Tangible book value	EUR 178.5B
Tangible book value per share	EUR 25.79
Total assets	EUR 3T
Total cash	EUR 872.7B
Total debt	EUR 656.6B
Total liabilities	EUR 2.8T

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Working capital	EUR -1.5T

Dividends and buybacks

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

Metric	Value
Buyback yield / dilution	4.57%
Shareholder yield	4.57%

Performance and technicals

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

Metric	Value
1D price change	-0.87%
1M price change	-12.54%
1M total return	-12.54%
1W price change	-0.87%
1W total return	-0.87%
20-day SMA	EUR 36.74
50-day SMA	EUR 30.36
52-week high	EUR 55.12
52-week high date	2026-08-06
52-week low	EUR 42.36
52-week low date	2026-03-02
6M price change	6.6%
6M total return	6.6%
All-time high	EUR 55.12
All-time high date	2026-08-06
All-time low	EUR 24.59
All-time low date	2023-03-24
Average true range (ATR)	EUR 3.46
Average volume	212.7
Change from 52-week high	-17.74%
Change from 52-week low	7.05%
Change from all-time high	-17.74%
Change from all-time low	84.38%
Change from open	-0.82%
Day's gap	-0.05%
Dollar volume	EUR 227
High price	EUR 45.72
Low price	EUR 45.34
Monthly RSI	53.31
Open price	EUR 45.72
Position in 52-week range	0%
Previous close	EUR 45.74
Price vs 20-day SMA	23.42%
Price vs 50-day SMA	49.36%
Relative volume	0.02
RSI	59.29
Sharpe ratio	0.89
Sortino ratio	1.89
Volume	5
Weekly RSI	65.69
YTD price change	-1.43%
YTD total return	-1.43%

Ownership and float

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

Metric	Value
Float	6.9B
Shares change (QoQ)	-0.99%
Shares change (YoY)	-4.57%
Shares held by insiders	0.17%
Shares held by institutions	71.28%
Short ratio	2.5 days

Deeper analysis on BUL/NCB

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.

→

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/NCB report

Is a complete BUL/NCB research report available?

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

BUL/NCB (BUL/NCB)

Price

Financial snapshot

Fair-value bridge

Latest news · BUL/NCB

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All BUL/NCB 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/NCB

Frequently asked questions