Bulgarian-American Credit Bank AD (BUL:BACB)

BUL:BACB Statistics

Total Valuation

BUL:BACB has a market cap or net worth of BGN 314.37 million.

Market Cap	314.37M
Enterprise Value	n/a

Important Dates

The next estimated earnings date is Tuesday, July 28, 2026.

Earnings Date	Jul 28, 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 8.71.

PE Ratio	8.71
Forward PE	n/a
PS Ratio	3.68
PB Ratio	0.79
P/TBV Ratio	0.80
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	-0.27
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 9.44%.

Return on Equity (ROE)	9.44%
Return on Assets (ROA)	1.08%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Weighted Average Cost of Capital (WACC)	2.79%
Revenue Per Employee	214,853
Profits Per Employee	90,286
Employee Count	398
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, BUL:BACB has paid 3.30 million in taxes.

Income Tax	3.30M
Effective Tax Rate	8.42%

Stock Price Statistics

The stock price has decreased by -35.92% in the last 52 weeks. The beta is -0.16, so BUL:BACB's price volatility has been lower than the market average.

Beta (5Y)	-0.16
52-Week Price Change	-35.92%
50-Day Moving Average	8.88
200-Day Moving Average	10.16
Relative Strength Index (RSI)	44.26
Average Volume (20 Days)	350

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 85.51 million and earned 35.93 million in profits. Earnings per share was 1.46.

Revenue	85.51M
Gross Profit	79.57M
Operating Income	32.61M
Pretax Income	39.24M
Net Income	35.93M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	1.46

Balance Sheet

The company has 93.48 million in cash and 65.84 million in debt, with a net cash position of 27.64 million or 1.12 per share.

Cash & Cash Equivalents	93.48M
Total Debt	65.84M
Net Cash	27.64M
Net Cash Per Share	1.12
Equity (Book Value)	398.43M
Book Value Per Share	16.14
Working Capital	-2.25B

Cash Flow

In the last 12 months, operating cash flow was -246.66 million and capital expenditures -1.54 million, giving a free cash flow of -248.20 million.

Operating Cash Flow	-246.66M
Capital Expenditures	-1.54M
Depreciation & Amortization	n/a
Net Borrowing	-6.35M
Free Cash Flow	-248.20M
FCF Per Share	-10.05

Margins

Gross Margin	n/a
Operating Margin	38.13%
Pretax Margin	45.88%
Profit Margin	42.02%
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	11.43%
FCF Yield	-78.95%

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