BUL/FIB (BUL/FIB)

Bulgarian Stock Exchange: BUL/FIB · EUR

€4.72

+0.22 (+4.9%)· Recorded snapshot

Market cap	703.7M
Revenue (ttm)	279.4M
Net income (ttm)	116.1M
EPS (ttm)	€0.78
Shares out	149.1M
P/E (trailing)	6.1x
Volume	13,345
Beta	0.22

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): 279.4M
Net income (ttm): 116.1M
EPS (ttm): €0.78
P/E (trailing): 6.1x
Market cap: 703.7M

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/E6.1

P25 n/aP50 n/aP75 n/a

ROE11.4

P25 n/aP50 n/aP75 n/a

ROICn/a

P25 n/aP50 n/aP75 n/a

Benchmarks · 1M

All BUL/FIB indicators

Market & fundamental data

Available fields

179

Groups with data

Currency

EUR

Showing 179 of 179 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	2026-11-27
Employees	2,692
Employees change	-261
Employees growth	-8.84%
Exchange	Bulgarian Stock Exchange
Financial currency	EUR
Financial report date	2026-09-30
First seen	2026-05-10
Fiscal year end	December
Founded	1993
Industry	Commercial Banks
Is primary listing	Yes
ISIN number	BG1100106050
Last earnings date	2026-01-30
Last refreshed	2026-10-29
Market cap	EUR 703.7M
Next earnings date	2026-11-27
Price	EUR 4.72
Price currency	EUR
SIC code	6020
Stock price date	2026-10-29
Symbol	bul/FIB
Website	https://www.fibank.bg

Valuation

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

Metric	Value
Average P/E ratio (10Y)	3.97x
Average P/E ratio (3Y)	4.2x
Average P/E ratio (5Y)	3.54x
Earnings yield	16.5%
FCF yield	37.04%
Graham number	11.23607
Graham upside	149.69%
Lynch fair value	EUR 19.47
Lynch upside	332.69%
P/B ratio	0.62x
P/E ratio	6.06x
P/FCF ratio	2.7x
P/OCF ratio	2.54x
P/S ratio	2.4x
Price / tangible book value	0.64x

Profitability

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

Metric	Value
Effective tax rate	10.7%
FCF margin	88.94%
Operating margin	40.14%
Pretax margin	46.53%
Profit margin	41.55%
Profit per employee	EUR 43,133
Revenue per employee	EUR 103,799
ROA	1.18%
ROA (5Y)	0.96%
ROE	11.41%
ROE (5Y)	9.17%
Tax / revenue	4.98%

Growth

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

Metric	Value
EPS growth	10.7%
EPS growth (Q)	41.79%
EPS growth (QoQ)	-53.22%
EPS growth 10Y	10.6%
EPS growth 3Y	7.42%
EPS growth 5Y	30.9%
Net income growth	10.7%
Net income growth (Q)	41.79%
Net income growth (QoQ)	-53.22%
Net income growth 3Y	7.42%
Net income growth 5Y	30.89%
OCF growth 10Y	1.53%
Revenue growth	25.77%
Revenue growth (Q)	42.58%
Revenue growth (QoQ)	-20.85%
Revenue growth 10Y	14.48%
Revenue growth 3Y	8.39%
Revenue growth 5Y	14.49%

Financial statements

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

Metric	Value
Capital expenditures	EUR -15.4M
EPS	EUR 0.78
FCF per share	EUR 1.67
Financing cash flow	EUR 1.5B
Free cash flow	EUR 248.5M
Gross profit	EUR 279.4M
Income taxes	EUR 13.9M
Investing cash flow	EUR -2B
Net borrowing	EUR 505M
Net cash flow	EUR -324.9M
Net income	EUR 116.1M
Operating income	EUR 112.2M
Revenue	EUR 279.4M

Financial strength

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

Metric	Value
Book value per share	EUR 7.20
Debt / equity	1.18
Debt / FCF	5.1
Goodwill	EUR 221,000
Net cash (debt)	EUR -948.3M
Net cash / market cap	-141.36%
Net debt / equity	0.88
Net debt / FCF	3.82
Piotroski F-Score	4
Property, plant and equipment	EUR 201.1M
Shareholders' equity	EUR 1.1B
Tangible book value	EUR 1.1B
Tangible book value per share	EUR 7.07
Total assets	EUR 10.6B
Total cash	EUR 319.1M
Total debt	EUR 1.3B
Total liabilities	EUR 9.5B
WACC	1.89%

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Working capital	EUR -6.9B

Performance and technicals

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

Metric	Value
10Y price change	226.09%
10Y return CAGR	12.55%
10Y total return	225.99%
150-day SMA	EUR 3.48
15Y price change	294.39%
15Y return CAGR	9.58%
15Y total return	294.39%
1D price change	4.89%
1M price change	7.66%
1M total return	7.66%
1W price change	0.45%
1W total return	0.45%
1Y price change	75.3%
1Y return CAGR	75.37%
1Y total return	75.3%
20-day SMA	EUR 4.46
200-day SMA	EUR 3.48
3M price change	43.31%
3M total return	43.31%
3Y price change	238.35%
3Y return CAGR	50.13%
3Y total return	238.45%
50-day SMA	EUR 4.10
50-day SMA vs 200-day SMA	50over200
52-week high	EUR 4.90
52-week high date	2026-10-23
52-week low	EUR 2.46
52-week low date	2025-11-17
5Y price change	425.33%
5Y return CAGR	39.35%
5Y total return	425.33%
6M price change	51.01%
6M total return	51.01%
All-time high	EUR 4.90
All-time high date	2026-10-23
All-time low	EUR 0.54
All-time low date	2009-01-28
Average true range (ATR)	EUR 0.17
Average volume	160.8K
Beta (1Y)	0.08
Beta (2Y)	0.11
Beta (5Y)	0.22
Change from 52-week high	-3.67%
Change from 52-week low	91.95%
Change from all-time high	-8.16%
Change from all-time low	727.05%
Change from open	5.36%
Day's gap	-0.44%
Dollar volume	EUR 62,988
High price	EUR 4.72
Low price	EUR 4.48
Monthly RSI	77.6
Open price	EUR 4.48
Position in 52-week range	100%
Previous close	EUR 4.50
Price vs 150-day SMA	29.31%
Price vs 20-day SMA	0.99%
Price vs 200-day SMA	29.16%
Price vs 50-day SMA	9.89%
Relative volume	0.08
RSI	55.98
Sharpe ratio	1.46
Sharpe ratio (3Y)	1.12
Sharpe ratio (5Y)	0.83
Sortino ratio	2.45
Sortino ratio (3Y)	1.94
Sortino ratio (5Y)	1.45
Volume	13.3K
Weekly RSI	67.79
YTD price change	51.98%
YTD total return	51.95%

Ownership and float

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

Metric	Value
Float	16.1M
Shares change (QoQ)	0%
Shares held by insiders	70.85%
Shares held by institutions	0.36%
Shares outstanding	149.1M

Deeper analysis on BUL/FIB

14 sections in the full report · jump straight to what you need

Forecast

Base and Bull forecast paths with report-date return framing.

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Valuation

Fair-value bridge, DCF, owner earnings, and peer multiples.

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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.

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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.

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Frequently asked questions

About this BUL/FIB report

Is a complete BUL/FIB research report available?

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

BUL/FIB (BUL/FIB)

Price

Financial snapshot

Fair-value bridge

Latest news · BUL/FIB

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All BUL/FIB indicators

Profile and market data

Valuation

Profitability

Growth

Financial statements

Financial strength

Liquidity

Performance and technicals

Ownership and float

Deeper analysis on BUL/FIB

Frequently asked questions