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First Investment Bank AD (BUL:FIB)
Bulgaria flag Bulgaria · Delayed Price · Currency is EUR
5.30
-0.10 (-1.85%)
At close: Nov 13, 2026

First Investment Bank AD Financials Overview

Millions EUR. Fiscal year is Jan - Dec.

Revenue & Profits
Chart
Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Revenue
279.43213.72214.35215.26169.96158.18
Revenue Growth
25.77%-0.29%-0.42%26.65%7.45%12.68%
Net Income
116.1196.2874.2280.5649.7156.55
Earnings Per Share
0.780.650.500.540.330.38
EPS Growth
10.70%29.72%-7.87%62.08%-12.11%108.48%

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

Cash & Debt
Chart
Fiscal Year
CurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Cash & Investments
319.07583.03365.17342.64324.42291.74
Total Debt
1,267852.08558.06458.27292.05276.93
Net Cash (Debt)
-948.33-269.05-192.89-115.6332.3714.81
Net Cash Growth
----118.56%-
Net Cash Per Share
-6.36-1.80-1.29-0.780.220.10

Cash Flow & CapEx
Chart
Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Operating Cash Flow
263.92-598.74-949.1-682.14234.09-305.08
Capital Expenditures
-15.4-22.55-111.2-15.08-21.47-7.38
Free Cash Flow
248.52-621.29-1,060-697.22212.62-312.46
Free Cash Flow Growth
------

Margins
Chart
Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Profit Margin
41.55%45.05%34.63%37.43%29.25%35.75%
FCF Margin
88.94%-290.70%-494.66%-323.89%125.10%-197.53%

Valuation
Chart
Fiscal Year
CurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingNov '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
PE Ratio
6.804.594.452.763.052.16
Forward PE
-15.2915.2915.2915.2915.29
P/FCF Ratio
3.18---0.71-
PS Ratio
2.832.071.541.030.890.77