Bulgarian-American Credit Bank AD (BUL:BACB)

BUL:BACB Statistics

Total Valuation

BUL:BACB has a market cap or net worth of BGN 276.54 million.

Market Cap	276.54M
Enterprise Value	n/a

Important Dates

The last earnings date was Wednesday, October 29, 2025.

Earnings Date	Oct 29, 2025
Ex-Dividend Date	n/a

Share Statistics

BUL:BACB has 24.69 million shares outstanding. The number of shares has increased by 0.00% in one year.

Current Share Class	24.69M
Shares Outstanding	24.69M
Shares Change (YoY)	+0.00%
Shares Change (QoQ)	n/a
Owned by Insiders (%)	9.99%
Owned by Institutions (%)	0.15%
Float	2.12M

Valuation Ratios

The trailing PE ratio is 6.09.

PE Ratio	6.09
Forward PE	n/a
PS Ratio	2.90
PB Ratio	0.72
P/TBV Ratio	0.73
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	-0.32
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 12.63%.

Return on Equity (ROE)	12.63%
Return on Assets (ROA)	1.58%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	247,808
Profits Per Employee	117,878
Employee Count	385
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, BUL:BACB has paid 5.13 million in taxes.

Income Tax	5.13M
Effective Tax Rate	10.16%

Stock Price Statistics

The stock price has decreased by -4.20% in the last 52 weeks. The beta is -0.24, so BUL:BACB's price volatility has been lower than the market average.

Beta (5Y)	-0.24
52-Week Price Change	-4.20%
50-Day Moving Average	10.17
200-Day Moving Average	9.64
Relative Strength Index (RSI)	63.72
Average Volume (20 Days)	250

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 95.41 million and earned 45.38 million in profits. Earnings per share was 1.84.

Revenue	95.41M
Gross Profit	90.09M
Operating Income	49.84M
Pretax Income	50.52M
Net Income	45.38M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	1.84

Balance Sheet

The company has 120.88 million in cash and 63.68 million in debt, giving a net cash position of 57.21 million or 2.32 per share.

Cash & Cash Equivalents	120.88M
Total Debt	63.68M
Net Cash	57.21M
Net Cash Per Share	2.32
Equity (Book Value)	383.10M
Book Value Per Share	15.52
Working Capital	-1.78B

Cash Flow

In the last 12 months, operating cash flow was -195.18 million and capital expenditures -2.67 million, giving a free cash flow of -197.85 million.

Operating Cash Flow	-195.18M
Capital Expenditures	-2.67M
Free Cash Flow	-197.85M
FCF Per Share	-8.01

Margins

Gross Margin	n/a
Operating Margin	52.24%
Pretax Margin	52.95%
Profit Margin	47.57%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of 0.80, which amounts to a dividend yield of 7.02%.

Dividend Per Share	0.80
Dividend Yield	7.02%
Dividend Growth (YoY)	n/a
Years of Dividend Growth	1
Payout Ratio	n/a
Buyback Yield	-0.00%
Shareholder Yield	7.02%
Earnings Yield	16.41%
FCF Yield	-71.54%

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