BUL/BACB (BUL/BACB)

Bulgarian Stock Exchange: BUL/BACB · EUR

€5.95

+0.00 (0.0%)· Recorded snapshot

Market cap	146.9M
Revenue (ttm)	50M
Net income (ttm)	20.8M
EPS (ttm)	€0.84
Shares out	24.7M
P/E (trailing)	7.1x
Volume	795
Beta	-0.12

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): 50M
Net income (ttm): 20.8M
EPS (ttm): €0.84
P/E (trailing): 7.1x
Market cap: 146.9M

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/En/a

P25 n/aP50 n/aP75 n/a

Trailing P/E7.1

P25 n/aP50 n/aP75 n/a

ROE10.1

P25 n/aP50 n/aP75 n/a

ROICn/a

P25 n/aP50 n/aP75 n/a

Benchmarks · 1M

All BUL/BACB indicators

Market & fundamental data

Available fields

170

Groups with data

Currency

EUR

Showing 170 of 170 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
Earnings date	2026-10-30
Employees	398
Employees change	13
Employees growth	3.38%
Exchange	Bulgarian Stock Exchange
Financial currency	EUR
Financial report date	2026-06-30
First seen	2026-05-10
Fiscal year end	December
Founded	1995
Industry	Commercial Banks
Is primary listing	Yes
ISIN number	BG1100098059
Last earnings date	2026-01-30
Last refreshed	2026-10-28
Market cap	EUR 146.9M
Next earnings date	2026-10-30
Price	EUR 5.95
Price currency	EUR
SIC code	6020
Stock price date	2026-10-26
Symbol	bul/BACB
Website	https://www.bacb.bg

Valuation

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

Metric	Value
Average P/E ratio (10Y)	10.51x
Average P/E ratio (3Y)	5.54x
Average P/E ratio (5Y)	5.8x
Earnings yield	14.17%
FCF yield	-74.4%
Graham number	12.88295
Graham upside	116.52%
Lynch fair value	EUR 17.63
Lynch upside	196.23%
P/B ratio	0.68x
P/E ratio	7.06x
P/S ratio	2.94x
Price / tangible book value	0.69x

Profitability

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

Metric	Value
Effective tax rate	8.25%
Operating margin	38.04%
Pretax margin	45.34%
Profit margin	41.6%
Profit per employee	EUR 52,299
Revenue per employee	EUR 125,716
ROA	1.29%
ROA (5Y)	1.54%
ROE	10.11%
ROE (5Y)	13.47%
Tax / revenue	3.74%

Growth

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

Metric	Value
EPS growth (QoQ)	24.82%
EPS growth 3Y	-10.07%
EPS growth 5Y	20.91%
Net income growth	-10.3%
Net income growth (Q)	32.65%
Net income growth (QoQ)	24.82%
Net income growth 3Y	-10.07%
Net income growth 5Y	20.91%
Revenue growth	6.14%
Revenue growth (Q)	41.95%
Revenue growth (QoQ)	42.42%
Revenue growth 10Y	12.51%
Revenue growth 3Y	-0.47%
Revenue growth 5Y	14.78%

Financial statements

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

Metric	Value
Capital expenditures	EUR -1.2M
EPS	EUR 0.84
FCF per share	EUR -4.43
Financing cash flow	EUR 68.7M
Free cash flow	EUR -109.3M
Gross profit	EUR 46.9M
Income taxes	EUR 1.9M
Investing cash flow	EUR 56.2M
Net borrowing	EUR -3M
Net cash flow	EUR 16M
Net income	EUR 20.8M
Operating income	EUR 19M
Revenue	EUR 50M

Financial strength

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

Metric	Value
Book value per share	EUR 8.75
Debt / equity	0.15
Net cash (debt)	EUR 33.8M
Net cash / market cap	23.04%
Net cash growth	15.7%
Net debt / equity	-0.16
Piotroski F-Score	2
Property, plant and equipment	EUR 6M
Shareholders' equity	EUR 216.1M
Tangible book value	EUR 214.4M
Tangible book value per share	EUR 8.68
Total assets	EUR 1.8B
Total cash	EUR 65.7M
Total debt	EUR 31.9M
Total liabilities	EUR 1.6B
WACC	2.96%

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Working capital	EUR -1.2B

Dividends and buybacks

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

Metric	Value
Dividend growth (10Y)	-6.08%
Dividend growth (3Y)	100.32%
Dividend growth (5Y)	51.72%
Dividend per share	EUR 0.00
Last dividend	EUR 0.80

Performance and technicals

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

Metric	Value
10Y price change	32.22%
10Y return CAGR	3.67%
10Y total return	43.42%
150-day SMA	EUR 9.36
15Y price change	60.81%
15Y return CAGR	3.78%
15Y total return	74.43%
1D price change	0%
1M price change	-0.83%
1M total return	-0.83%
1W price change	10.19%
1W total return	10.19%
1Y price change	-47.35%
1Y return CAGR	-47.37%
1Y total return	-47.35%
20-day SMA	EUR 5.91
200-day SMA	EUR 10.05
3M price change	-0.83%
3M total return	-0.83%
3Y price change	19%
3Y return CAGR	8.15%
3Y total return	26.5%
50-day SMA	EUR 6.52
50-day SMA vs 200-day SMA	50under200
52-week high	EUR 11.90
52-week high date	2025-12-10
52-week low	EUR 5.00
52-week low date	2026-05-18
5Y price change	5.31%
5Y return CAGR	2.7%
5Y total return	14.23%
All-time high	EUR 67.00
All-time high date	2008-05-30
All-time low	EUR 3.23
All-time low date	2011-10-14
Average true range (ATR)	EUR 0.39
Average volume	184.9
Beta (1Y)	0.29
Beta (2Y)	0.18
Beta (5Y)	-0.12
Change from 52-week high	-50%
Change from 52-week low	19%
Change from all-time high	-91.12%
Change from all-time low	84.38%
Change from open	1.71%
Dollar volume	EUR 4,730
High price	EUR 5.95
Low price	EUR 5.85
Monthly RSI	37.87
Open price	EUR 5.85
Position in 52-week range	100%
Price vs 150-day SMA	-36.44%
Price vs 20-day SMA	0.64%
Price vs 200-day SMA	-40.78%
Price vs 50-day SMA	-8.71%
Relative volume	4.3
RSI	48.07
Sharpe ratio	0.78
Sharpe ratio (3Y)	0.63
Sharpe ratio (5Y)	0.28
Sortino ratio	1.16
Sortino ratio (3Y)	1.06
Sortino ratio (5Y)	0.51
Volume	795
Weekly RSI	33.63
YTD price change	-49.15%
YTD total return	-49.15%

Ownership and float

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

Metric	Value
Float	2.1M
Shares change (QoQ)	0%
Shares held by insiders	9.99%
Shares outstanding	24.7M

Deeper analysis on BUL/BACB

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.

→

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.

→

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/BACB report

Is a complete BUL/BACB research report available?

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

BUL/BACB (BUL/BACB)

Price

Financial snapshot

Fair-value bridge

Latest news · BUL/BACB

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All BUL/BACB 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/BACB

Frequently asked questions