BUL/04Q (BUL/04Q)

Bulgarian Stock Exchange: BUL/04Q · EUR

€17.9

+0.15 (+0.8%)· Recorded snapshot

Market cap	53.7B
Revenue (ttm)	11.6B
Net income (ttm)	4.7B
EPS (ttm)	€1.35
P/E (trailing)	13.3x
P/E (forward)	10.1x
Volume	5

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): 11.6B
Net income (ttm): 4.7B
EPS (ttm): €1.35
P/E (trailing): 13.3x
P/E (forward): 10.1x
Market cap: 53.7B

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector percentile context

Refreshed 2026-10-28 19:55 UTC

Forward P/E10.1

P25 n/aP50 n/aP75 n/a

Trailing P/E13.3

P25 n/aP50 n/aP75 n/a

ROE14.9

P25 n/aP50 n/aP75 n/a

ROICn/a

P25 n/aP50 n/aP75 n/a

Benchmarks · 1M

All BUL/04Q indicators

Market & fundamental data

Available fields

164

Groups with data

Currency

EUR

Showing 164 of 164 available metrics for this ticker.

Profile and market data

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

Metric	Value
Amount currency	EUR
Country	Finland
Country code	BG
Earnings date	2026-10-15
Employees	28,376
Employees change	-1,432
Employees growth	-4.8%
Exchange	Bulgarian Stock Exchange
Financial currency	EUR
Financial report date	2026-09-30
First seen	2026-09-15
Fiscal year end	December
Founded	1820
Industry	Banks - Regional
Is primary listing	No
ISIN number	FI4000297767
Last earnings date	2026-10-15
Last refreshed	2026-10-28
Market cap	EUR 53.7B
Next earnings date	2027-01-28
Price	EUR 17.95
Price currency	EUR
Sector	Financials
SIC code	6020
Stock price date	2026-09-21
Symbol	bul/04Q
Website	https://www.nordea.com

Valuation

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

Metric	Value
Average P/E ratio (10Y)	11.07x
Average P/E ratio (3Y)	9.3x
Average P/E ratio (5Y)	9.31x
Earnings yield	7.55%
FCF yield	-2.14%
Forward P/E	10.14x
Graham number	19.16887
Graham upside	6.82%
Lynch fair value	EUR 9.15
Lynch upside	-49.03%
P/B ratio	1.72x
P/E ratio	13.25x
P/S ratio	4.63x
Price / tangible book value	1.98x

Profitability

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

Metric	Value
Effective tax rate	23.52%
Operating margin	52.78%
Pretax margin	52.72%
Profit margin	40.32%
Profit per employee	EUR 164,576
Profitable quarters	28
Profitable years	24
Revenue per employee	EUR 408,197
ROA	0.69%
ROA (5Y)	0.75%
ROE	14.87%
ROE (5Y)	13.85%
Tax / revenue	12.4%

Growth

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

Metric	Value
EPS growth	-2.38%
EPS growth (Q)	-2.78%
EPS growth (QoQ)	-2.78%
EPS growth 10Y	4.54%
EPS growth 3Y	-1.2%
EPS growth 5Y	9.05%
EPS growth years	0
FCF growth (QoQ)	-91.79%
Net income growth	-2.95%
Net income growth (Q)	-3.83%
Net income growth (QoQ)	-4.14%
Net income growth 3Y	-2.73%
Net income growth 5Y	5.86%
Net income growth years	0
OCF growth (QoQ)	-91.77%
Revenue growth	-0.56%
Revenue growth (Q)	-1.4%
Revenue growth (QoQ)	-2.66%
Revenue growth 10Y	2.22%
Revenue growth 3Y	-0.11%
Revenue growth 5Y	4.75%
Revenue growth years	0

Financial statements

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

Metric	Value
Capital expenditures	EUR -41M
EPS	EUR 1.35
Financing cash flow	EUR 7.4B
Free cash flow	EUR -1.1B
Gross profit	EUR 11.6B
Income taxes	EUR 1.4B
Investing cash flow	EUR -524M
Net borrowing	EUR -1.1B
Net cash flow	EUR 5.9B
Net income	EUR 4.7B
Operating income	EUR 6.1B
Revenue	EUR 11.6B

Financial strength

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

Metric	Value
Book value per share	EUR 9.22
Debt / equity	7.6
Net cash (debt)	EUR -171.7B
Net cash / market cap	-319.83%
Net debt / equity	5.49
Piotroski F-Score	2
Property, plant and equipment	EUR 1.5B
Shareholders' equity	EUR 31.3B
Tangible book value	EUR 27.1B
Tangible book value per share	EUR 7.98
Total assets	EUR 704.6B
Total cash	EUR 66.1B
Total debt	EUR 237.8B
Total liabilities	EUR 673.3B

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Working capital	EUR -335.9B

Dividends and buybacks

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

Metric	Value
Buyback yield / dilution	1.22%
Payout ratio	94.56%
Shareholder yield	1.22%

Performance and technicals

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

Metric	Value
150-day SMA	EUR 11.53
1D price change	0.84%
1M price change	5.1%
1M total return	5.1%
1Y price change	30.32%
1Y return CAGR	30.34%
1Y total return	30.32%
20-day SMA	EUR 16.07
200-day SMA	EUR 11.40
3M price change	8.92%
3M total return	8.92%
3Y price change	73.06%
3Y return CAGR	20.06%
3Y total return	73.06%
50-day SMA	EUR 13.35
50-day SMA vs 200-day SMA	50over200
52-week high	EUR 17.98
52-week high date	2026-09-21
52-week low	EUR 14.19
52-week low date	2025-09-29
6M price change	13.25%
6M total return	13.25%
All-time high	EUR 17.98
All-time high date	2026-09-21
All-time low	EUR 9.24
All-time low date	2023-06-01
Average true range (ATR)	EUR 0.39
Average volume	58
Change from 52-week high	-0.19%
Change from 52-week low	26.46%
Change from all-time high	-0.19%
Change from all-time low	94.15%
Change from open	-0.19%
Day's gap	1.04%
Dollar volume	EUR 89.73
High price	EUR 17.98
Low price	EUR 17.95
Monthly RSI	76.26
Open price	EUR 17.98
Position in 52-week range	0%
Previous close	EUR 17.80
Price vs 150-day SMA	55.65%
Price vs 20-day SMA	11.7%
Price vs 200-day SMA	57.47%
Price vs 50-day SMA	34.47%
Relative volume	0.09
RSI	76.93
Sharpe ratio	1.47
Sortino ratio	2.63
Volume	5
Weekly RSI	88.17
YTD price change	17.4%
YTD total return	17.4%

Ownership and float

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

Metric	Value
Float	3.2B
Shares change (QoQ)	-0.77%
Shares change (YoY)	-1.22%
Shares held by insiders	0.04%
Shares held by institutions	45.32%

Deeper analysis on BUL/04Q

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.

→

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.

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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/04Q report

Is a complete BUL/04Q research report available?

No complete published report is available for bul/04Q (BUL/04Q) on this page. Market-directory data, when present, is not a substitute for a validated stock analysis.

BUL/04Q (BUL/04Q)

Price

Financial snapshot

Fair-value bridge

Latest news · BUL/04Q

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All BUL/04Q 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/04Q

Frequently asked questions