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BUL/TXIM (BUL/TXIM)

Bulgarian Stock Exchange: BUL/TXIM · EUR

€1.84

+0.00 (0.0%)· Recorded snapshot

Market cap	80.6M
Revenue (ttm)	17.2M
Net income (ttm)	3.3M
EPS (ttm)	€0.08
Shares out	43.8M
P/E (trailing)	22.2x
Volume	31,300
Beta	0.15

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): 17.2M
Net income (ttm): 3.3M
EPS (ttm): €0.08
P/E (trailing): 22.2x
Market cap: 80.6M

Metric	Value
Amount currency	EUR
Country	Bulgaria
Country code	BG
Earnings date	2026-11-05
Employees	302
Employees change	9
Employees growth	3.07%
Exchange	Bulgarian Stock Exchange
Financial currency	EUR
Financial report date	2026-06-30
First seen	2026-05-10
Fiscal year end	December
Founded	1992
Industry	Commercial Banks
Is primary listing	Yes
ISIN number	BG1100001921
Last earnings date	2026-01-29
Last refreshed	2026-10-29
Market cap	EUR 80.6M
Next earnings date	2026-11-05
Price	EUR 1.84
Price currency	EUR
SIC code	6020
Stock price date	2026-10-27
Symbol	bul/TXIM
Website	https://www.teximbank.bg

Metric

Value

Amount currency

EUR

Country

Bulgaria

Country code

Earnings date

2026-11-05

Employees

302

Employees change

Employees growth

3.07%

Exchange

Bulgarian Stock Exchange

Financial currency

EUR

Financial report date

2026-06-30

First seen

2026-05-10

Fiscal year end

December

Founded

1992

Industry

Commercial Banks

Is primary listing

Yes

ISIN number

BG1100001921

Last earnings date

2026-01-29

Last refreshed

2026-10-29

Market cap

EUR 80.6M

Next earnings date

2026-11-05

Price

EUR 1.84

Price currency

EUR

SIC code

6020

Stock price date

2026-10-27

Symbol

bul/TXIM

Website

https://www.teximbank.bg

Metric	Value
Average P/E ratio (10Y)	188.55x
Average P/E ratio (3Y)	50.95x
Average P/E ratio (5Y)	121.7x
Earnings yield	4.5%
Graham number	1.51039
Graham upside	-17.91%
Lynch fair value	EUR 2.07
Lynch upside	12.52%
P/B ratio	1.55x
P/E ratio	22.22x
P/S ratio	4.68x
Price / tangible book value	1.61x

Metric

Value

Average P/E ratio (10Y)

188.55x

Average P/E ratio (3Y)

50.95x

Average P/E ratio (5Y)

121.7x

Earnings yield

4.5%

Graham number

1.51039

Graham upside

-17.91%

Lynch fair value

EUR 2.07

Lynch upside

12.52%

P/B ratio

1.55x

P/E ratio

22.22x

P/S ratio

4.68x

Price / tangible book value

1.61x

Metric	Value
Effective tax rate	11.78%
Operating margin	20.49%
Pretax margin	21.81%
Profit margin	19.24%
Profit per employee	EUR 10,977
Revenue per employee	EUR 57,043
ROA	0.77%
ROA (5Y)	0.24%
ROE	7.51%
ROE (5Y)	2.73%
Tax / revenue	2.57%

Metric

Value

Effective tax rate

11.78%

Operating margin

20.49%

Pretax margin

21.81%

Profit margin

19.24%

Profit per employee

EUR 10,977

Revenue per employee

EUR 57,043

ROA

0.77%

ROA (5Y)

0.24%

ROE

7.51%

ROE (5Y)

2.73%

Tax / revenue

2.57%

Metric	Value
EPS growth	123.63%
EPS growth (Q)	810.93%
EPS growth (QoQ)	53.43%
EPS growth 3Y	148.44%
EPS growth 5Y	37.46%
Net income growth	145.69%
Net income growth (Q)	925.93%
Net income growth (QoQ)	52.9%
Net income growth 3Y	173.52%
Net income growth 5Y	47.65%
Revenue growth	30.82%
Revenue growth (Q)	56.06%
Revenue growth (QoQ)	10.37%
Revenue growth 10Y	11.78%
Revenue growth 3Y	22.16%
Revenue growth 5Y	15.89%

Metric

Value

EPS growth

123.63%

EPS growth (Q)

810.93%

EPS growth (QoQ)

53.43%

EPS growth 3Y

148.44%

EPS growth 5Y

37.46%

Net income growth

145.69%

Net income growth (Q)

925.93%

Net income growth (QoQ)

52.9%

Net income growth 3Y

173.52%

Net income growth 5Y

47.65%

Revenue growth

30.82%

Revenue growth (Q)

56.06%

Revenue growth (QoQ)

10.37%

Revenue growth 10Y

11.78%

Revenue growth 3Y

22.16%

Revenue growth 5Y

15.89%

Metric	Value
EPS	EUR 0.08
Gross profit	EUR 17.2M
Income taxes	EUR 442,644
Net income	EUR 3.3M
Operating income	EUR 3.5M
Revenue	EUR 17.2M

Metric

Value

EPS

EUR 0.08

Gross profit

EUR 17.2M

Income taxes

EUR 442,644

Net income

EUR 3.3M

Operating income

EUR 3.5M

Revenue

EUR 17.2M

Metric	Value
Book value per share	EUR 1.22
Debt / equity	0.05
Net cash (debt)	EUR 164.7M
Net cash / market cap	204.44%
Net cash growth	9.24%
Net debt / equity	-3.17
Piotroski F-Score	2
Property, plant and equipment	EUR 12.8M
Shareholders' equity	EUR 52M
Tangible book value	EUR 50.2M
Tangible book value per share	EUR 1.18
Total assets	EUR 483M
Total cash	EUR 167.3M
Total debt	EUR 2.6M
Total liabilities	EUR 431.1M
WACC	4.94%

Metric

Value

Book value per share

EUR 1.22

Debt / equity

0.05

Net cash (debt)

EUR 164.7M

Net cash / market cap

204.44%

Net cash growth

9.24%

Net debt / equity

-3.17

Piotroski F-Score

Property, plant and equipment

EUR 12.8M

Shareholders' equity

EUR 52M

Tangible book value

EUR 50.2M

Tangible book value per share

EUR 1.18

Total assets

EUR 483M

Total cash

EUR 167.3M

Total debt

EUR 2.6M

Total liabilities

EUR 431.1M

WACC

4.94%

Metric	Value
Working capital	EUR -255.1M

Metric

Value

Working capital

EUR -255.1M

Metric	Value
Buyback yield / dilution	-9.87%
Shareholder yield	-9.87%

Metric

Value

Buyback yield / dilution

-9.87%

Shareholder yield

-9.87%

Metric	Value
10Y price change	-8%
10Y return CAGR	-0.57%
10Y total return	-5.55%
150-day SMA	EUR 3.23
1D price change	0%
1M price change	1.1%
1M total return	1.1%
1Y price change	-47.43%
1Y return CAGR	-47.45%
1Y total return	-47.43%
20-day SMA	EUR 1.96
200-day SMA	EUR 3.16
3M price change	-5.64%
3M total return	-5.64%
3Y price change	-45.88%
3Y return CAGR	-17.79%
3Y total return	-44.44%
50-day SMA	EUR 2.89
50-day SMA vs 200-day SMA	50under200
52-week high	EUR 3.64
52-week high date	2025-12-17
52-week low	EUR 1.80
52-week low date	2026-03-13
5Y price change	-38.67%
5Y return CAGR	-8.84%
5Y total return	-37.04%
6M price change	-1.08%
6M total return	-1.08%
All-time high	EUR 5.00
All-time high date	2013-02-14
All-time low	EUR 1.00
All-time low date	2013-03-21
Average true range (ATR)	EUR 0.13
Average volume	3K
Beta (1Y)	-0.35
Beta (2Y)	-0.27
Beta (5Y)	0.15
Change from 52-week high	-49.45%
Change from 52-week low	2.22%
Change from all-time high	-63.2%
Change from all-time low	84%
Change from open	0%
Dollar volume	EUR 57,592
High price	EUR 1.84
Low price	EUR 1.84
Monthly RSI	25.24
Open price	EUR 1.84
Price vs 150-day SMA	-43.09%
Price vs 20-day SMA	-6.03%
Price vs 200-day SMA	-41.72%
Price vs 50-day SMA	-36.22%
Relative volume	10.35
RSI	36.1
Sharpe ratio	0.13
Sortino ratio	0.25
Volume	31.3K
Weekly RSI	25.63
YTD price change	-49.45%
YTD total return	-49.45%

Metric

Value

10Y price change

-8%

10Y return CAGR

-0.57%

10Y total return

-5.55%

150-day SMA

EUR 3.23

1D price change

1M price change

1.1%

1M total return

1.1%

1Y price change

-47.43%

1Y return CAGR

-47.45%

1Y total return

-47.43%

20-day SMA

EUR 1.96

200-day SMA

EUR 3.16

3M price change

-5.64%

3M total return

-5.64%

3Y price change

-45.88%

3Y return CAGR

-17.79%

3Y total return

-44.44%

50-day SMA

EUR 2.89

50-day SMA vs 200-day SMA

50under200

52-week high

EUR 3.64

52-week high date

2025-12-17

52-week low

EUR 1.80

52-week low date

2026-03-13

5Y price change

-38.67%

5Y return CAGR

-8.84%

5Y total return

-37.04%

6M price change

-1.08%

6M total return

-1.08%

All-time high

EUR 5.00

All-time high date

2013-02-14

All-time low

EUR 1.00

All-time low date

2013-03-21

Average true range (ATR)

EUR 0.13

Average volume

Beta (1Y)

-0.35

Beta (2Y)

-0.27

Beta (5Y)

0.15

Change from 52-week high

-49.45%

Change from 52-week low

2.22%

Change from all-time high

-63.2%

Change from all-time low

84%

Change from open

Dollar volume

EUR 57,592

High price

EUR 1.84

Low price

EUR 1.84

Monthly RSI

25.24

Open price

EUR 1.84

Price vs 150-day SMA

-43.09%

Price vs 20-day SMA

-6.03%

Price vs 200-day SMA

-41.72%

Price vs 50-day SMA

-36.22%

Relative volume

10.35

RSI

36.1

Sharpe ratio

0.13

Sortino ratio

0.25

Volume

31.3K

Weekly RSI

25.63

YTD price change

-49.45%

YTD total return

-49.45%

Metric	Value
Float	21.1M
Shares change (QoQ)	-0.35%
Shares change (YoY)	9.87%
Shares held by institutions	11.15%
Shares outstanding	43.8M

Metric

Value

Float

21.1M

Shares change (QoQ)

-0.35%

Shares change (YoY)

9.87%

Shares held by institutions

11.15%

Shares outstanding

43.8M

BUL/TXIM (BUL/TXIM)

Price

Financial snapshot

Fair-value bridge

Latest news · BUL/TXIM

Valuation

Profitability

Balance sheet

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Next earnings

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All BUL/TXIM indicators

Profile and market data

Valuation

Profitability

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Dividends and buybacks

Performance and technicals

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Deeper analysis on BUL/TXIM

Frequently asked questions