(BCY) Barclays - Ratings and Ratios
Banking, Cards, Lending, Investments, Wealth
Dividends
| Dividend Yield | 2.26% |
| Yield on Cost 5y | 7.96% |
| Yield CAGR 5y | 11.88% |
| Payout Consistency | 88.5% |
| Payout Ratio | 13.8% |
| Risk via 10d forecast | |
|---|---|
| Volatility | 28.8% |
| Value at Risk 5%th | 45.9% |
| Relative Tail Risk | -3.10% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 1.37 |
| Alpha | 50.00 |
| CAGR/Max DD | 1.67 |
| Character TTM | |
|---|---|
| Hurst Exponent | 0.556 |
| Beta | 0.356 |
| Beta Downside | 0.706 |
| Drawdowns 3y | |
|---|---|
| Max DD | 27.33% |
| Mean DD | 7.14% |
| Median DD | 3.82% |
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.
Piotroski VR‑10 (Strict, 0-10) 4.0
| Net Income (6.91b TTM) > 0 and > 6% of Revenue (6% = 2.34b TTM) |
| FCFTA 0.00 (>2.0%) and ΔFCFTA 0.51pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -1084 % (prev 872.4%; Δ -1957 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 6.91b (YES >=105%, WARN >=100%) |
| Net Debt (-49.09b) to EBITDA (13.14b) ratio: -3.74 <= 3.0 (WARN <= 3.5) |
| Current Ratio 0.33 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (13.97b) change vs 12m ago -4.61% (target <= -2.0% for YES) |
| Gross Margin 36.38% (prev 98.41%; Δ -62.03pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 2.47% (prev 1.58%; Δ 0.89pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio -0.03 (EBITDA TTM 13.14b / Interest Expense TTM 25.39b) >= 6 (WARN >= 3) |
Altman Z'' -1.55
| (A) -0.26 = (Total Current Assets 210.18b - Total Current Liabilities 633.84b) / Total Assets 1629.15b |
| (B) 0.04 = Retained Earnings (Balance) 58.37b / Total Assets 1629.15b |
| (C) -0.00 = EBIT TTM -787.0m / Avg Total Assets 1580.14b |
| (D) 0.04 = Book Value of Equity 58.37b / Total Liabilities 1552.31b |
| Total Rating: -1.55 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 45.12
| 1. Piotroski 4.0pt |
| 2. FCF Yield -36.77% |
| 3. FCF Margin 14.18% |
| 4. Debt/Equity 2.16 |
| 5. Debt/Ebitda -3.74 |
| 6. ROIC - WACC (= -11.60)% |
| 7. RoE 9.25% |
| 8. Rev. Trend 49.30% |
| 9. EPS Trend 51.66% |
What is the price of BCY shares?
Over the past week, the price has changed by +7.11%, over one month by +5.38%, over three months by +17.81% and over the past year by +57.91%.
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 | 5.9 | 20.2% |
BCY Fundamental Data Overview November 26, 2025
Market Cap GBP = 56.97b (65.04b EUR * 0.876 EUR.GBP)
P/E Trailing = 10.1739
P/E Forward = 6.9109
P/S = 2.4999
P/B = 0.7305
P/EG = 1.0472
Beta = 0.911
Revenue TTM = 39.07b GBP
EBIT TTM = -787.0m GBP
EBITDA TTM = 13.14b GBP
Long Term Debt = unknown (none)
Short Term Debt = unknown (none)
Debt = 165.38b GBP (from shortLongTermDebtTotal, last fiscal year)
Net Debt = -49.09b GBP (from netDebt column, last fiscal year)
Enterprise Value = -15.06b GBP (56.97b + Debt 165.38b - CCE 237.41b)
Interest Coverage Ratio = -0.03 (Ebit TTM -787.0m / Interest Expense TTM 25.39b)
FCF Yield = -36.77% (FCF TTM 5.54b / Enterprise Value -15.06b)
FCF Margin = 14.18% (FCF TTM 5.54b / Revenue TTM 39.07b)
Net Margin = 17.69% (Net Income TTM 6.91b / Revenue TTM 39.07b)
Gross Margin = 36.38% ((Revenue TTM 39.07b - Cost of Revenue TTM 24.86b) / Revenue TTM)
Gross Margin QoQ = 100.0% (prev 13.48%)
Tobins Q-Ratio = -0.01 (set to none) (Enterprise Value -15.06b / Total Assets 1629.15b)
Interest Expense / Debt = 15.35% (Interest Expense 25.39b / Debt 165.38b)
Taxrate = 17.57% (365.0m / 2.08b)
NOPAT = -648.7m (EBIT -787.0m * (1 - 17.57%)) [loss with tax shield]
Current Ratio = 0.33 (Total Current Assets 210.18b / Total Current Liabilities 633.84b)
Debt / Equity = 2.16 (Debt 165.38b / totalStockholderEquity, last quarter 76.39b)
Debt / EBITDA = -3.74 (Net Debt -49.09b / EBITDA 13.14b)
Debt / FCF = -8.86 (Net Debt -49.09b / FCF TTM 5.54b)
Total Stockholder Equity = 74.75b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.42% (Net Income 6.91b / Total Assets 1629.15b)
RoE = 9.25% (Net Income TTM 6.91b / Total Stockholder Equity 74.75b)
RoCE = -0.08% (EBIT -787.0m / Capital Employed (Total Assets 1629.15b - Current Liab 633.84b))
RoIC = -0.31% (negative operating profit) (NOPAT -648.7m / Invested Capital 208.25b)
WACC = 11.29% (E(56.97b)/V(222.35b) * Re(7.33%) + D(165.38b)/V(222.35b) * Rd(15.35%) * (1-Tc(0.18)))
Discount Rate = 7.33% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 8.05%
Shares Correlation 3-Years: -100.0 | Cagr: -3.79%
[DCF Debug] Terminal Value 70.46% ; FCFE base≈5.54b ; Y1≈3.64b ; Y5≈1.66b
Fair Price DCF = 2.35 (DCF Value 32.69b / Shares Outstanding 13.90b; 5y FCF grow -40.0% → 3.0% )
EPS Correlation: 51.66 | EPS CAGR: 117.7% | SUE: N/A | # QB: 0
Revenue Correlation: 49.30 | Revenue CAGR: 9.16% | SUE: N/A | # QB: 0