BUL/PAY (BUL/PAY)

Bulgarian Stock Exchange: BUL/PAY · EUR

€1.98

+0.00 (0.0%)· Recorded snapshot

Market cap	1.7M
Revenue (ttm)	2.4M
Net income (ttm)	-345K
EPS (ttm)	-€0.40
Shares out	861.1K
Volume	10,000
Beta	-1.17

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): 2.4M
Net income (ttm): -345K
EPS (ttm): -€0.40
Market cap: 1.7M

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/En/a

P25 n/aP50 n/aP75 n/a

Trailing P/En/a

P25 n/aP50 n/aP75 n/a

ROEn/a

P25 n/aP50 n/aP75 n/a

ROIC-53.3

P25 n/aP50 n/aP75 n/a

Benchmarks · 1M

All BUL/PAY indicators

Market & fundamental data

Available fields

142

Groups with data

Currency

EUR

Showing 142 of 142 available metrics for this ticker.

Profile and market data

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

Metric	Value
Amount currency	EUR
Country	Bulgaria
Country code	BG
Employees	54
Employees change	-9
Employees growth	-14.29%
Enterprise value	EUR 1.7M
Exchange	Bulgarian Stock Exchange
Financial currency	EUR
Financial report date	2026-06-30
First seen	2026-10-10
Fiscal year end	December
Founded	2004
Industry	Computer Processing and Data Preparation and Processing Services
Is primary listing	Yes
ISIN number	BG1100003216
Last refreshed	2026-10-29
Market cap	EUR 1.7M
Price	EUR 1.98
Price currency	EUR
SIC code	7374
Stock price date	2026-10-26
Symbol	bul/PAY
Website	https://www.paysera.bg

Valuation

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

Metric	Value
Earnings yield	-20.23%
EV/Sales	0.72x
FCF / EV yield	-20.2%
FCF yield	-20.17%
P/B ratio	2.56x
P/S ratio	0.72x
Price / tangible book value	2.75x

Profitability

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

Metric	Value
EBIT margin	-14.55%
EBITDA margin	-12.33%
Gross margin	99.64%
Operating margin	-14.55%
Pretax margin	-14.61%
Profit margin	-14.56%
Profit per employee	EUR -6,388
Revenue per employee	EUR 43,861
ROCE	-49.15%
ROIC	-53.34%
ROIC (5Y)	-7.46%
Tax / revenue	-0.09%

Growth

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

Metric	Value
Gross profit growth	17.12%
Revenue growth	16.69%
Revenue growth (Q)	-5.65%
Revenue growth (QoQ)	0%

Financial statements

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

Metric	Value
Capital expenditures	EUR -103,038
Depreciation and amortization	EUR 52,622
EBIT	EUR -344,543
EBITDA	EUR -291,921
EPS	EUR -0.40
FCF per share	EUR -0.40
Financing cash flow	EUR -243,870
Free cash flow	EUR -343,858
Gross profit	EUR 2.4M
Income taxes	EUR -2,103
Investing cash flow	EUR 355,529
Net borrowing	EUR -260,778
Net cash flow	EUR -129,160
Net income	EUR -344,966
Operating income	EUR -344,543
Revenue	EUR 2.4M

Financial strength

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

Metric	Value
Altman Z-Score	2.76
Book value per share	EUR 0.75
Debt / equity	0.34
Interest coverage	-30.92
Long-term assets	EUR 818,000
Long-term liabilities	EUR 35,000
Net cash (debt)	EUR 20,000
Net cash / market cap	1.17%
Net debt / equity	-0.03
Piotroski F-Score	2
Property, plant and equipment	EUR 782,000
Shareholders' equity	EUR 666,000
Tangible book value	EUR 619,000
Tangible book value per share	EUR 0.72
Total assets	EUR 1.3M
Total cash	EUR 245,000
Total debt	EUR 225,000
Total liabilities	EUR 606,000
WACC	-1.45%

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Current assets	EUR 454,000
Current liabilities	EUR 571,000
Current ratio	0.8
Net working capital	EUR -172,000
Quick ratio	0.78
Working capital	EUR -117,000

Dividends and buybacks

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

Metric	Value
Buyback yield / dilution	-12.32%
Shareholder yield	-12.32%

Performance and technicals

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

Metric	Value
150-day SMA	EUR 3.12
1D price change	0%
1M price change	-20.16%
1M total return	-20.16%
1Y price change	-56.24%
1Y return CAGR	-56.27%
1Y total return	-56.25%
20-day SMA	EUR 2.21
3M price change	18.56%
3M total return	18.56%
50-day SMA	EUR 2.28
52-week high	EUR 4.47
52-week high date	2025-10-30
52-week low	EUR 1.01
52-week low date	2026-06-16
6M price change	-25%
6M total return	-25%
All-time high	EUR 7.67
All-time high date	2024-07-16
All-time low	EUR 1.01
All-time low date	2026-06-16
Average true range (ATR)	EUR 0.33
Average volume	2.7K
Beta (1Y)	-0.69
Beta (2Y)	0.02
Beta (5Y)	-1.17
Change from 52-week high	-55.74%
Change from 52-week low	96.04%
Change from all-time high	-74.18%
Change from all-time low	96.04%
Change from open	0%
Dollar volume	EUR 19,800
High price	EUR 1.98
Low price	EUR 1.98
Monthly RSI	33.42
Open price	EUR 1.98
Price vs 150-day SMA	-36.52%
Price vs 20-day SMA	-10.49%
Price vs 50-day SMA	-13.27%
Relative volume	3.72
RSI	47.15
Sharpe ratio	0.51
Sortino ratio	0.86
Volume	10K
Weekly RSI	39.83
YTD price change	-49.03%
YTD total return	-49.04%

Ownership and float

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

Metric	Value
Float	127.5K
Shares change (QoQ)	0%
Shares change (YoY)	12.32%
Shares held by insiders	83.06%
Shares outstanding	861.1K

Deeper analysis on BUL/PAY

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.

→

Risks

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

→

Earnings

Next earnings setup and beat / inline / miss thresholds.

→

Position sizing

Entry, exit, conviction, and quarterly monitoring rules.

→

Financials

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

→

Peers

Relative valuation and profitability against the cohort.

→

Moat

Economic-profit evidence and competitive advantage risk.

→

Industry cycle

Sector phase, capital cycle, and secular tailwinds.

→

Frequently asked questions

About this BUL/PAY report

Is a complete BUL/PAY research report available?

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

BUL/PAY (BUL/PAY)

Price

Financial snapshot

Fair-value bridge

Latest news · BUL/PAY

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All BUL/PAY 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/PAY

Frequently asked questions