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BARCLAYS PLC (BCY.DE) Stock Fundamental Analysis

Europe - Frankfurt Stock Exchange - FRA:BCY - GB0031348658 - Common Stock

4.92 EUR
+0.01 (+0.2%)
Last: 11/28/2025, 7:00:00 PM
Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to BCY. BCY was compared to 108 industry peers in the Banks industry. Both the profitability and financial health of BCY have multiple concerns. BCY has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

BCY had positive earnings in the past year.
In the past year BCY has reported a negative cash flow from operations.
BCY had positive earnings in each of the past 5 years.
Of the past 5 years BCY 4 years had a positive operating cash flow.
BCY.DE Yearly Net Income VS EBIT VS OCF VS FCFBCY.DE Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20B 40B 60B

1.2 Ratios

BCY's Return On Assets of 0.59% is on the low side compared to the rest of the industry. BCY is outperformed by 60.19% of its industry peers.
BCY has a Return On Equity (12.49%) which is in line with its industry peers.
Industry RankSector Rank
ROA 0.59%
ROE 12.49%
ROIC N/A
ROA(3y)0.32%
ROA(5y)0.31%
ROE(3y)6.92%
ROE(5y)6.41%
ROIC(3y)N/A
ROIC(5y)N/A
BCY.DE Yearly ROA, ROE, ROICBCY.DE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2 -2 4 6 8

1.3 Margins

The Profit Margin of BCY (20.33%) is worse than 62.04% of its industry peers.
In the last couple of years the Profit Margin of BCY has grown nicely.
BCY does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 20.33%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-11.91%
PM growth 5Y11.07%
GM growth 3YN/A
GM growth 5YN/A
BCY.DE Yearly Profit, Operating, Gross MarginsBCY.DE Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 20

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1

2. Health

2.1 Basic Checks

BCY does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, BCY has less shares outstanding
The number of shares outstanding for BCY has been reduced compared to 5 years ago.
The debt/assets ratio for BCY has remained at the same level compared to a year ago.
BCY.DE Yearly Shares OutstandingBCY.DE Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B 15B
BCY.DE Yearly Total Debt VS Total AssetsBCY.DE Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500B 1T 1.5T

2.2 Solvency

A Debt/Equity ratio of 3.86 is on the high side and indicates that BCY has dependencies on debt financing.
BCY has a Debt to Equity ratio of 3.86. This is amonst the worse of the industry: BCY underperforms 81.48% of its industry peers.
Industry RankSector Rank
Debt/Equity 3.86
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC4.78%
BCY.DE Yearly LT Debt VS Equity VS FCFBCY.DE Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20B 40B 60B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
BCY.DE Yearly Current Assets VS Current LiabilitesBCY.DE Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50B 100B 150B

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5

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 36.69% over the past year.
BCY shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 11.00% yearly.
The Revenue has been growing slightly by 5.48% in the past year.
BCY shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 5.03% yearly.
EPS 1Y (TTM)36.69%
EPS 3Y0.56%
EPS 5Y11%
EPS Q2Q%12.77%
Revenue 1Y (TTM)5.48%
Revenue growth 3Y7.82%
Revenue growth 5Y5.03%
Sales Q2Q%9.47%

3.2 Future

The Earnings Per Share is expected to grow by 10.89% on average over the next years. This is quite good.
Based on estimates for the next years, BCY will show a small growth in Revenue. The Revenue will grow by 4.62% on average per year.
EPS Next Y11.19%
EPS Next 2Y16.98%
EPS Next 3Y16.38%
EPS Next 5Y10.89%
Revenue Next Year9.43%
Revenue Next 2Y7.17%
Revenue Next 3Y6.06%
Revenue Next 5Y4.62%

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
BCY.DE Yearly Revenue VS EstimatesBCY.DE Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 10B 20B 30B
BCY.DE Yearly EPS VS EstimatesBCY.DE Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 0.2 0.4 0.6

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5

4. Valuation

4.1 Price/Earnings Ratio

BCY is valuated reasonably with a Price/Earnings ratio of 9.28.
77.78% of the companies in the same industry are more expensive than BCY, based on the Price/Earnings ratio.
BCY is valuated cheaply when we compare the Price/Earnings ratio to 26.11, which is the current average of the S&P500 Index.
BCY is valuated reasonably with a Price/Forward Earnings ratio of 8.11.
90.74% of the companies in the same industry are more expensive than BCY, based on the Price/Forward Earnings ratio.
When comparing the Price/Forward Earnings ratio of BCY to the average of the S&P500 Index (36.21), we can say BCY is valued rather cheaply.
Industry RankSector Rank
PE 9.28
Fwd PE 8.11
BCY.DE Price Earnings VS Forward Price EarningsBCY.DE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
BCY.DE Per share dataBCY.DE EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 5 10 15 20

4.3 Compensation for Growth

BCY's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
BCY's earnings are expected to grow with 16.38% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.83
PEG (5Y)0.84
EPS Next 2Y16.98%
EPS Next 3Y16.38%

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4

5. Dividend

5.1 Amount

BCY has a Yearly Dividend Yield of 1.98%. Purely for dividend investing, there may be better candidates out there.
With a Dividend Yield of 1.98, BCY pays less dividend than the industry average, which is at 4.70. 84.26% of the companies listed in the same industry pay a better dividend than BCY!
BCY's Dividend Yield is comparable with the S&P500 average which is at 2.32.
Industry RankSector Rank
Dividend Yield 1.98%

5.2 History

On average, the dividend of BCY grows each year by 6.61%, which is quite nice.
Dividend Growth(5Y)6.61%
Div Incr Years3
Div Non Decr Years3
BCY.DE Yearly Dividends per shareBCY.DE Yearly Dividends per shareYearly Dividends per share 2018 2019 2020 2021 2022 2023 2024 2025 0.02 0.04 0.06 0.08

5.3 Sustainability

The dividend of BCY is growing, but earnings are growing more, so the dividend growth is sustainable.
DPN/A
EPS Next 2Y16.98%
EPS Next 3Y16.38%
BCY.DE Yearly Income VS Free CF VS DividendBCY.DE Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20B 40B

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BARCLAYS PLC

FRA:BCY (11/28/2025, 7:00:00 PM)

4.92

+0.01 (+0.2%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-22 2025-10-22/bmo
Earnings (Next)02-10 2026-02-10/amc
Inst Owners55.08%
Inst Owner ChangeN/A
Ins Owners0.13%
Ins Owner ChangeN/A
Market Cap17.10B
Revenue(TTM)47.27B
Net Income(TTM)9.48B
Analysts80
Price Target5.26 (6.91%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 1.98%
Yearly Dividend0.17
Dividend Growth(5Y)6.61%
DPN/A
Div Incr Years3
Div Non Decr Years3
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)15.23%
Min EPS beat(2)13.75%
Max EPS beat(2)16.7%
EPS beat(4)4
Avg EPS beat(4)29.84%
Min EPS beat(4)13.75%
Max EPS beat(4)64.16%
EPS beat(8)8
Avg EPS beat(8)28.97%
EPS beat(12)12
Avg EPS beat(12)22.72%
EPS beat(16)16
Avg EPS beat(16)27.45%
Revenue beat(2)2
Avg Revenue beat(2)2.74%
Min Revenue beat(2)1.38%
Max Revenue beat(2)4.11%
Revenue beat(4)4
Avg Revenue beat(4)2.75%
Min Revenue beat(4)1.38%
Max Revenue beat(4)4.11%
Revenue beat(8)6
Avg Revenue beat(8)1.21%
Revenue beat(12)9
Avg Revenue beat(12)12.13%
Revenue beat(16)13
Avg Revenue beat(16)26.35%
PT rev (1m)7.49%
PT rev (3m)9.34%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-3.42%
EPS NY rev (1m)2.23%
EPS NY rev (3m)2.41%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.94%
Revenue NY rev (1m)0.75%
Revenue NY rev (3m)0.94%
Valuation
Industry RankSector Rank
PE 9.28
Fwd PE 8.11
P/S 0.32
P/FCF N/A
P/OCF N/A
P/B 0.2
P/tB 0.22
EV/EBITDA N/A
EPS(TTM)0.53
EY10.77%
EPS(NY)0.61
Fwd EY12.34%
FCF(TTM)-3.33
FCFYN/A
OCF(TTM)-3.33
OCFYN/A
SpS15.28
BVpS24.87
TBVpS22.19
PEG (NY)0.83
PEG (5Y)0.84
Graham Number17.22
Profitability
Industry RankSector Rank
ROA 0.59%
ROE 12.49%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 20.33%
GM N/A
FCFM N/A
ROA(3y)0.32%
ROA(5y)0.31%
ROE(3y)6.92%
ROE(5y)6.41%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-11.91%
PM growth 5Y11.07%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 3.86
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC4.78%
ROIC/WACCN/A
Cap/Depr(3y)89.52%
Cap/Depr(5y)85.55%
Cap/Sales(3y)5.72%
Cap/Sales(5y)5.93%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)36.69%
EPS 3Y0.56%
EPS 5Y11%
EPS Q2Q%12.77%
EPS Next Y11.19%
EPS Next 2Y16.98%
EPS Next 3Y16.38%
EPS Next 5Y10.89%
Revenue 1Y (TTM)5.48%
Revenue growth 3Y7.82%
Revenue growth 5Y5.03%
Sales Q2Q%9.47%
Revenue Next Year9.43%
Revenue Next 2Y7.17%
Revenue Next 3Y6.06%
Revenue Next 5Y4.62%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-25.18%
FCF growth 3Y-51.04%
FCF growth 5YN/A
OCF growth 1Y-25.18%
OCF growth 3Y-47.42%
OCF growth 5YN/A

BARCLAYS PLC / BCY.DE FAQ

What is the fundamental rating for BCY stock?

ChartMill assigns a fundamental rating of 3 / 10 to BCY.DE.


Can you provide the valuation status for BARCLAYS PLC?

ChartMill assigns a valuation rating of 5 / 10 to BARCLAYS PLC (BCY.DE). This can be considered as Fairly Valued.


What is the profitability of BCY stock?

BARCLAYS PLC (BCY.DE) has a profitability rating of 2 / 10.


What are the PE and PB ratios of BARCLAYS PLC (BCY.DE) stock?

The Price/Earnings (PE) ratio for BARCLAYS PLC (BCY.DE) is 9.28 and the Price/Book (PB) ratio is 0.2.


How financially healthy is BARCLAYS PLC?

The financial health rating of BARCLAYS PLC (BCY.DE) is 1 / 10.