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Bulgarian-American Credit Bank AD (BUL:BACB)
Bulgaria flag Bulgaria · Delayed Price · Currency is BGN · Price in EUR
6.05
+0.45 (8.04%)
At close: Aug 14, 2026

BUL:BACB Financials Overview

Millions EUR. Fiscal year is Jan - Dec.

Revenue & Profits
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Revenue
50.0444.5252.4452.2741.7626.53
Revenue Growth
6.14%-15.10%0.31%25.18%57.38%10.49%
Net Income
20.8218.2724.9828.4421.549.24
Earnings Per Share
0.840.741.011.150.870.37
EPS Growth
--26.86%-12.18%32.02%133.11%31.75%

Cash & Debt
Chart
Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Cash & Investments
65.71139.15158.52277.1611.9188.39
Total Debt
31.8635.7738.1824.0429.2620.32
Net Cash (Debt)
33.85103.39120.34253.12-17.3568.07
Net Cash Growth
15.70%-14.09%-52.46%--411.92%
Net Cash Per Share
1.374.194.8710.25-0.702.76

Cash Flow & CapEx
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Operating Cash Flow
-108.14-67.2-64.59-13.67-54.03-40.13
Capital Expenditures
-1.16-0.6-1.42-0.89-0.34-0.26
Free Cash Flow
-109.3-67.79-66.01-14.56-54.36-40.39
Free Cash Flow Growth
------

Margins
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Profit Margin
41.60%41.04%47.64%54.41%51.59%34.83%
FCF Margin
-218.44%-152.28%-125.89%-27.85%-130.18%-152.21%

Dividends
Chart
Fiscal YearFY 2023FY 2022
Period EndingDec '23 Dec '22
Dividend Per Share
0.4090.051
Dividend Per Share Growth
700.16%-
Dividend Yield
15.05%1.74%

Valuation
Chart
Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingAug '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
PE Ratio
7.188.095.572.513.668.54
Forward PE
-24.7124.7124.7124.7124.71
PS Ratio
3.033.322.661.361.892.97