(BCY) Barclays - Ratings and Ratios
Banking, Cards, Lending, Investments, Wealth
BCY EPS (Earnings per Share)
BCY Revenue
| Risk via 10d forecast | |
|---|---|
| Volatility | 29.0% |
| Value at Risk 5%th | 46.0% |
| Reward | |
|---|---|
| Sharpe Ratio | 1.37 |
| Alpha | 37.02 |
| Character | |
|---|---|
| Hurst Exponent | 0.382 |
| Beta | 0.990 |
| Drawdowns 3y | |
|---|---|
| Max DD | 27.33% |
| Mean DD | 7.18% |
Description: BCY Barclays September 26, 2025
Barclays PLC (XETRA: BCY) is a globally diversified financial services firm headquartered in London, operating across retail, corporate, private-banking, investment-banking and US consumer-bank segments in the UK, Europe, the Americas, Africa, the Middle East and Asia.
Its product suite includes retail deposits, credit-card issuance, wholesale and investment banking, wealth-management and asset-management services, as well as a range of lending products. The firm also conducts securities-dealing activities and generates fee income from capital-markets transactions.
Key quantitative snapshots (as of FY 2024): a Common Equity Tier 1 (CET1) ratio of 14.5 %-well above the Basel III minimum-net interest income of £12.4 bn, and a loan-book growth of 3.2 % YoY, driven primarily by UK corporate and US consumer loan expansions. The bank’s cost-to-income ratio has compressed to 58 % after a multi-year efficiency programme, reflecting ongoing digitisation and branch-right-sizing.
Sector-level drivers that materially affect Barclays include the Bank of England’s policy-rate trajectory (currently 5.25 % and expected to stay high through 2025), which underpins net interest margins, and tightening regulatory capital requirements that pressure return on equity. Additionally, the acceleration of digital banking adoption in Europe and North America creates both cost-saving opportunities and competitive pressure from fintech entrants.
If you want a data-rich, model-based assessment of how these fundamentals translate into valuation, the ValueRay platform offers a transparent, quantitative framework worth exploring.
BCY Stock Overview
| Market Cap in USD | 74,569m |
| Sub-Industry | Diversified Banks |
| IPO / Inception | |
| Return 12m vs S&P 500 | +33.33% |
| Analyst Rating | - |
BCY Dividends
| Dividend Yield | 2.40% |
| Yield on Cost 5y | 9.11% |
| Yield CAGR 5y | 11.58% |
| Payout Consistency | 88.8% |
| Payout Ratio | 13.8% |
BCY Growth Ratios
| CAGR | 41.67% |
| CAGR/Max DD Calmar Ratio | 1.52 |
| CAGR/Mean DD Pain Ratio | 5.81 |
| Current Volume | 101.5k |
| Average Volume | 146.9k |
Piotroski VR‑10 (Strict, 0-10) 4.0
| Net Income (7.02b TTM) > 0 and > 6% of Revenue (6% = 2.28b TTM) |
| FCFTA 0.00 (>2.0%) and ΔFCFTA 0.51pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -1072 % (prev 1004 %; Δ -2076 pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.00 (>3.0%) and CFO 7.11b > Net Income 7.02b (YES >=105%, WARN >=100%) |
| Net Debt (-108.28b) to EBITDA (13.14b) ratio: -8.24 <= 3.0 (WARN <= 3.5) |
| Current Ratio 0.36 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (15.27b) change vs 12m ago -3.66% (target <= -2.0% for YES) |
| Gross Margin 14.09% (prev 98.39%; Δ -84.30pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 2.40% (prev 1.51%; Δ 0.89pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 0.07 (EBITDA TTM 13.14b / Interest Expense TTM 25.39b) >= 6 (WARN >= 3) |
Altman Z'' -1.50
| (A) -0.26 = (Total Current Assets 225.72b - Total Current Liabilities 633.84b) / Total Assets 1598.70b |
| (B) 0.04 = Retained Earnings (Balance) 57.75b / Total Assets 1598.70b |
| (C) 0.00 = EBIT TTM 1.83b / Avg Total Assets 1587.67b |
| (D) 0.05 = Book Value of Equity 75.91b / Total Liabilities 1522.35b |
| Total Rating: -1.50 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 46.77
| 1. Piotroski 4.0pt = -1.0 |
| 2. FCF Yield -10.75% = -5.0 |
| 3. FCF Margin 14.55% = 3.64 |
| 4. Debt/Equity 1.55 = 1.41 |
| 5. Debt/Ebitda -8.24 = 2.50 |
| 6. ROIC - WACC (= -13.78)% = -12.50 |
| 7. RoE 9.56% = 0.80 |
| 8. Rev. Trend 57.95% = 4.35 |
| 9. EPS Trend 51.66% = 2.58 |
What is the price of BCY shares?
Over the past week, the price has changed by +2.37%, over one month by +11.23%, over three months by +10.32% and over the past year by +53.59%.
Is Barclays a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of BCY is around 4.58 EUR . This means that BCY is currently overvalued and has a potential downside of -3.78%.
Is BCY a buy, sell or hold?
What are the forecasts/targets for the BCY price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | - | - |
| Analysts Target Price | - | - |
| ValueRay Target Price | 5.4 | 13% |
BCY Fundamental Data Overview January 01, 1970
Market Cap GBP = 56.75b (64.60b EUR * 0.8785 EUR.GBP)
P/E Trailing = 10.0978
P/E Forward = 7.5245
P/S = 2.4821
P/B = 0.7
P/EG = 1.32
Beta = 0.99
Revenue TTM = 38.07b GBP
EBIT TTM = 1.83b GBP
EBITDA TTM = 13.14b GBP
Long Term Debt = unknown (none)
Short Term Debt = unknown (none)
Debt = 117.44b GBP (from shortLongTermDebtTotal, last quarter)
Net Debt = -108.28b GBP (from netDebt column, last quarter)
Enterprise Value = -51.53b GBP (56.75b + Debt 117.44b - CCE 225.72b)
Interest Coverage Ratio = 0.07 (Ebit TTM 1.83b / Interest Expense TTM 25.39b)
FCF Yield = -10.75% (FCF TTM 5.54b / Enterprise Value -51.53b)
FCF Margin = 14.55% (FCF TTM 5.54b / Revenue TTM 38.07b)
Net Margin = 18.43% (Net Income TTM 7.02b / Revenue TTM 38.07b)
Gross Margin = 14.09% ((Revenue TTM 38.07b - Cost of Revenue TTM 32.71b) / Revenue TTM)
Gross Margin QoQ = 13.48% (prev 29.38%)
Tobins Q-Ratio = -0.03 (set to none) (Enterprise Value -51.53b / Total Assets 1598.70b)
Interest Expense / Debt = 21.62% (Interest Expense 25.39b / Debt 117.44b)
Taxrate = 22.22% (552.0m / 2.48b)
NOPAT = 1.43b (EBIT 1.83b * (1 - 22.22%))
Current Ratio = 0.36 (Total Current Assets 225.72b / Total Current Liabilities 633.84b)
Debt / Equity = 1.55 (Debt 117.44b / totalStockholderEquity, last quarter 75.91b)
Debt / EBITDA = -8.24 (Net Debt -108.28b / EBITDA 13.14b)
Debt / FCF = -19.55 (Net Debt -108.28b / FCF TTM 5.54b)
Total Stockholder Equity = 73.39b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.44% (Net Income 7.02b / Total Assets 1598.70b)
RoE = 9.56% (Net Income TTM 7.02b / Total Stockholder Equity 73.39b)
RoCE = 0.19% (EBIT 1.83b / Capital Employed (Total Assets 1598.70b - Current Liab 633.84b))
RoIC = 0.71% (NOPAT 1.43b / Invested Capital 201.71b)
WACC = 14.48% (E(56.75b)/V(174.19b) * Re(9.66%) + D(117.44b)/V(174.19b) * Rd(21.62%) * (1-Tc(0.22)))
Discount Rate = 9.66% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 33.33 | Cagr: 0.59%
[DCF Debug] Terminal Value 63.51% ; FCFE base≈5.54b ; Y1≈3.64b ; Y5≈1.66b
Fair Price DCF = 1.84 (DCF Value 25.54b / Shares Outstanding 13.91b; 5y FCF grow -40.0% → 3.0% )
EPS Correlation: 51.66 | EPS CAGR: 117.7% | SUE: N/A | # QB: 0
Revenue Correlation: 57.95 | Revenue CAGR: 50.84% | SUE: N/A | # QB: 0