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First Investment Bank AD (BUL:FIB)
Bulgaria flag Bulgaria · Delayed Price · Currency is BGN · Price in EUR
3.320
+0.200 (6.41%)
At close: Jul 31, 2026

First Investment Bank AD Financials Overview

Millions EUR. Fiscal year is Jan - Dec.

Revenue & Profits
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingMar '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Revenue
223.83213.72214.35215.26169.96158.18
Revenue Growth
-3.81%-0.29%-0.42%26.65%7.45%12.68%
Net Income
99.3396.2874.2280.5649.7156.55
Earnings Per Share
0.670.650.500.540.330.38
EPS Growth
10.55%29.72%-7.87%62.08%-12.11%108.48%

Revenue by Segment
Chart
Fiscal YearFY 2025
Period EndingDec '25
Large Enterprises
76.72
Small and Medium Enterprises
96.58
Retail Banking
133.49
Treasury
-0.56
Other
-6.99
Total
299.24

Cash & Debt
Chart
Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingMar '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Cash & Investments
349.07583.03365.17342.64324.42291.74
Total Debt
1,792852.08558.06458.27292.05276.93
Net Cash (Debt)
-1,443-269.05-192.89-115.6332.3714.81
Net Cash Growth
----118.56%-
Net Cash Per Share
-9.68-1.80-1.29-0.780.220.10

Cash Flow & CapEx
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingMar '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Operating Cash Flow
-350.99-598.74-949.1-682.14234.09-305.08
Capital Expenditures
-23.58-22.55-111.2-15.08-21.47-7.38
Free Cash Flow
-374.57-621.29-1,060-697.22212.62-312.46
Free Cash Flow Growth
------

Margins
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingMar '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Profit Margin
44.38%45.05%34.63%37.43%29.25%35.75%
FCF Margin
-167.35%-290.70%-494.66%-323.89%125.10%-197.53%

Valuation
Chart
Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingAug '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
PE Ratio
4.984.594.452.763.052.16
Forward PE
-15.2915.2915.2915.2915.29
P/FCF Ratio
----0.71-
PS Ratio
2.212.071.541.030.890.77