BUL/3V64 (BUL/3V64)

Bulgarian Stock Exchange: BUL/3V64 · EUR

€355

+54.90 (+18.3%)· Recorded snapshot

Market cap	668.3B
Revenue (ttm)	40.4B
Net income (ttm)	20.7B
EPS (ttm)	€11.1
P/E (trailing)	32.1x
P/E (forward)	26.7x
Dividend	€2.41 (0.68%)
Volume	40

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): 40.4B
Net income (ttm): 20.7B
EPS (ttm): €11.1
P/E (trailing): 32.1x
P/E (forward): 26.7x
Market cap: 668.3B

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/E26.7

P25 n/aP50 n/aP75 n/a

Trailing P/E32.1

P25 n/aP50 n/aP75 n/a

ROE63.5

P25 n/aP50 n/aP75 n/a

ROIC57

P25 n/aP50 n/aP75 n/a

Benchmarks · 1M

All BUL/3V64 indicators

Market & fundamental data

Available fields

232

Groups with data

Currency

USD

Showing 232 of 232 available metrics for this ticker.

Profile and market data

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

Metric	Value
Amount currency	EUR
Country	United States
Country code	BG
Earnings date	2026-10-27
Employees	34,100
Employees change	2,500
Employees growth	7.91%
Enterprise value	EUR 676B
Exchange	Bulgarian Stock Exchange
Financial currency	USD
Financial report date	2026-09-30
First seen	2026-10-16
Fiscal year end	September
Founded	1958
Industry	Credit Services
Is primary listing	No
ISIN number	US92826C8394
Last earnings date	2026-10-27
Last refreshed	2026-10-29
Market cap	EUR 668.3B
Next earnings date	2027-01-26
Price	EUR 354.85
Price currency	EUR
Sector	Financials
SIC code	6099
Stock price date	2026-10-14
Symbol	bul/3V64
Website	https://www.visa.com

Valuation

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

Metric	Value
Average P/E ratio (10Y)	31.13x
Average P/E ratio (3Y)	29.49x
Average P/E ratio (5Y)	28.84x
Earnings yield	3.11%
EV/Earnings	32.66x
EV/EBIT	24.75x
EV/EBITDA	23.66x
EV/FCF	34.8x
EV/Sales	16.41x
FCF / EV yield	2.87%
FCF yield	2.91%
Forward P/E	26.73x
Graham number	64.61161
Graham upside	-81.79%
Lynch fair value	EUR 157.98
Lynch upside	-55.48%
P/(FCF - SBC) ratio	35.92x
P/(OCF - SBC) ratio	33.29x
P/B ratio	21.02x
P/E ratio	32.11x
P/FCF ratio	34.41x
P/OCF ratio	31.99x
P/S ratio	16.53x
Price/EBITDA ratio	23.84x

Profitability

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

Metric	Value
EBIT margin	66.31%
EBITDA margin	69.36%
Effective tax rate	16.34%
FCF margin	47.17%
Gross margin	97.68%
Operating margin	66.31%
Pretax margin	61.2%
Profit margin	51.2%
Profit per employee	EUR 606,968
Profitable quarters	56
Profitable years	18
Revenue per employee	EUR 1.2M
ROA	19.61%
ROA (5Y)	16.65%
ROCE	48.49%
ROE	63.51%
ROE (5Y)	50.73%
ROIC	57.01%
ROIC (5Y)	47.5%
SBC / revenue	2.02%
Tax / revenue	10%

Growth

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

Metric	Value
EPS growth	20.76%
EPS growth (Q)	21.9%
EPS growth (QoQ)	7.58%
EPS growth 10Y	17.38%
EPS growth 3Y	14.14%
EPS growth 5Y	16.97%
EPS growth quarters	3
EPS growth years	5
FCF growth	2.23%
FCF growth (Q)	17.85%
FCF growth (QoQ)	12.32%
FCF growth 3Y	3.85%
FCF growth 5Y	8.72%
Gross profit growth	14.66%
Gross profit growth (Q)	12.98%
Gross profit growth 3Y	12%
Gross profit growth 5Y	13.91%
Net income growth	17.18%
Net income growth (Q)	17.92%
Net income growth (QoQ)	7.5%
Net income growth 3Y	11.43%
Net income growth 5Y	14.38%
Net income growth quarters	3
Net income growth years	5
OCF growth	2.9%
OCF growth (Q)	18.4%
OCF growth (QoQ)	12.69%
OCF growth 10Y	15.59%
OCF growth 3Y	4.56%
OCF growth 5Y	9.28%
Operating income growth	13.54%
Operating income growth (Q)	9.71%
Operating income growth 3Y	11.55%
Operating income growth 5Y	14%
Revenue growth	14.76%
Revenue growth (Q)	13.2%
Revenue growth (QoQ)	4.35%
Revenue growth 10Y	11.77%
Revenue growth 3Y	12.02%
Revenue growth 5Y	13.75%
Revenue growth quarters	21
Revenue growth years	5

Financial statements

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

Metric	Value
Capital expenditures	EUR -1.5B
Depreciation and amortization	EUR 1.3B
EBIT	EUR 26.8B
EBITDA	EUR 28B
EPS	EUR 11.05
Financing cash flow	EUR -24.9B
Free cash flow	EUR 19.4B
Free cash flow minus SBC	EUR 18.6B
Gross profit	EUR 39.5B
Income taxes	EUR 4B
Investing cash flow	EUR -875.3M
Net borrowing	EUR -2.3B
Net cash flow	EUR -5.2B
Net income	EUR 20.7B
Operating cash flow minus SBC	EUR 20.1B
Operating income	EUR 26.8B
Revenue	EUR 40.4B
Stock-based compensation	EUR 817.2M

Financial strength

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

Metric	Value
Altman Z-Score	8.15
Book value per share	EUR 17.16
Debt / EBITDA	0.69
Debt / equity	0.61
Debt / FCF	1
Goodwill	EUR 18.7B
Interest coverage	40.15
Long-term assets	EUR 55.7B
Long-term liabilities	EUR 23B
Net cash (debt)	EUR -7B
Net cash / market cap	-1.05%
Net debt / EBITDA	0.25
Net debt / equity	0.22
Net debt / FCF	0.36
Piotroski F-Score	6
Property, plant and equipment	EUR 4.5B
Shareholders' equity	EUR 31.8B
Tangible book value	EUR -11.1B
Tangible book value per share	EUR -6.06
Total assets	EUR 83.1B
Total cash	EUR 12.4B
Total debt	EUR 19.4B
Total liabilities	EUR 51.3B

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Asset turnover	0.47
Current assets	EUR 27.3B
Current liabilities	EUR 28.3B
Current ratio	0.97
Net working capital	EUR -11B
Quick ratio	0.63
Working capital	EUR -970.4M
Working capital turnover	50.03

Dividends and buybacks

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

Metric	Value
Buyback yield / dilution	3%
Dividend growth	10.11%
Dividend growth (3Y)	11.79%
Dividend growth (5Y)	16.46%
Dividend growth years	5
Dividend payment date	2026-12-01
Dividend payment years	7
Dividend payout frequency	Quarterly
Dividend per share	EUR 2.41
Dividend yield	0.68%
Ex-dividend date	2026-11-10
Last dividend	EUR 0.70
Payout ratio	21.75%
Shareholder yield	3.68%

Performance and technicals

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

Metric	Value
1D price change	18.3%
1M price change	18.3%
1M total return	18.53%
1Y price change	20.23%
1Y return CAGR	21.22%
1Y total return	21.21%
20-day SMA	EUR 281.75
3M price change	18.3%
3M total return	18.53%
50-day SMA	EUR 231.99
52-week high	EUR 354.85
52-week high date	2026-10-14
52-week low	EUR 260.45
52-week low date	2026-03-31
5Y price change	78.91%
5Y return CAGR	13.23%
5Y total return	86.07%
6M price change	34.44%
6M total return	34.99%
All-time high	EUR 354.85
All-time high date	2026-10-14
All-time low	EUR 180.20
All-time low date	2022-10-05
Average true range (ATR)	EUR 17.28
Average volume	7.6
Change from 52-week high	0%
Change from 52-week low	36.25%
Change from all-time high	0%
Change from all-time low	96.92%
Change from open	0.48%
Day's gap	17.74%
Dollar volume	EUR 14,194
High price	EUR 354.85
Low price	EUR 353.15
Monthly RSI	69.08
Open price	EUR 353.15
Position in 52-week range	100%
Previous close	EUR 299.95
Price vs 20-day SMA	25.94%
Price vs 50-day SMA	52.96%
Relative volume	5.3
RSI	70.11
Sharpe ratio	2.71
Sortino ratio	5.59
Volume	40
Weekly RSI	86.84
YTD price change	20.6%
YTD total return	21.58%

Ownership and float

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

Metric	Value
Float	1.7B
Shares change (QoQ)	-0.84%
Shares change (YoY)	-3%
Shares held by insiders	0.04%
Shares held by institutions	81.57%
Short ratio	3.2 days

Deeper analysis on BUL/3V64

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.

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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/3V64 report

Is a complete BUL/3V64 research report available?

No complete published report is available for bul/3V64 (BUL/3V64) on this page. Market-directory data, when present, is not a substitute for a validated stock analysis.

BUL/3V64 (BUL/3V64)

Price

Financial snapshot

Fair-value bridge

Latest news · BUL/3V64

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All BUL/3V64 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/3V64

Frequently asked questions