Bulgarian-American Credit Bank AD (BUL:BACB)

BUL:BACB Statistics

Total Valuation

BUL:BACB has a market cap or net worth of BGN 407.95 million.

Market Cap	407.95M
Enterprise Value	n/a

Important Dates

The last earnings date was Friday, January 30, 2026.

Earnings Date	Jan 30, 2026
Ex-Dividend Date	n/a

Share Statistics

BUL:BACB has 24.69 million shares outstanding.

Current Share Class	24.69M
Shares Outstanding	24.69M
Shares Change (YoY)	n/a
Shares Change (QoQ)	n/a
Owned by Insiders (%)	9.99%
Owned by Institutions (%)	n/a
Float	2.12M

Valuation Ratios

The trailing PE ratio is 9.30.

PE Ratio	9.30
Forward PE	n/a
PS Ratio	4.27
PB Ratio	1.02
P/TBV Ratio	1.02
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	n/a
EV / Sales	n/a
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	n/a

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	-0.52
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 11.50%.

Return on Equity (ROE)	11.50%
Return on Assets (ROA)	1.56%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Weighted Average Cost of Capital (WACC)	3.83%
Revenue Per Employee	248,269
Profits Per Employee	113,223
Employee Count	385
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, BUL:BACB has paid 4.89 million in taxes.

Income Tax	4.89M
Effective Tax Rate	10.09%

Stock Price Statistics

The stock price has decreased by -31.45% in the last 52 weeks. The beta is 0.03, so BUL:BACB's price volatility has been lower than the market average.

Beta (5Y)	0.03
52-Week Price Change	-31.45%
50-Day Moving Average	9.92
200-Day Moving Average	10.10
Relative Strength Index (RSI)	43.62
Average Volume (20 Days)	263

Short Selling Information

Short Interest	n/a
Short Previous Month	n/a
Short % of Shares Out	n/a
Short % of Float	n/a
Short Ratio (days to cover)	n/a

Income Statement

In the last 12 months, BUL:BACB had revenue of BGN 95.58 million and earned 43.59 million in profits. Earnings per share was 1.77.

Revenue	95.58M
Gross Profit	95.58M
Operating Income	48.48M
Pretax Income	48.48M
Net Income	43.59M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	1.77

Balance Sheet

The company has 454.59 million in cash and 64.14 million in debt, with a net cash position of 390.45 million or 15.81 per share.

Cash & Cash Equivalents	454.59M
Total Debt	64.14M
Net Cash	390.45M
Net Cash Per Share	15.81
Equity (Book Value)	401.30M
Book Value Per Share	16.25
Working Capital	-1.88B

Cash Flow

In the last 12 months, operating cash flow was -122.44 million and capital expenditures -1.17 million, giving a free cash flow of -123.61 million.

Operating Cash Flow	-122.44M
Capital Expenditures	-1.17M
Free Cash Flow	-123.61M
FCF Per Share	-5.01

Margins

Gross Margin	n/a
Operating Margin	50.72%
Pretax Margin	50.72%
Profit Margin	45.60%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	n/a

Dividends & Yields

BUL:BACB does not appear to pay any dividends at this time.

Dividend Per Share	n/a
Dividend Yield	n/a
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	n/a
Buyback Yield	n/a
Shareholder Yield	n/a
Earnings Yield	10.69%
FCF Yield	-30.30%

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

This stock does not have any record of stock splits.

Last Split Date	n/a
Split Type	n/a
Split Ratio	n/a

Scores

Altman Z-Score	n/a
Piotroski F-Score	2