(BCY) Barclays - Overview
Stock: Retail Banking, Credit Cards, Investment Banking, Wealth Management, Lending
| Risk 5d forecast | |
|---|---|
| Volatility | 34.9% |
| Relative Tail Risk | -1.36% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 1.29 |
| Alpha | 47.04 |
| Character TTM | |
|---|---|
| Beta | 0.366 |
| Beta Downside | 0.772 |
| Drawdowns 3y | |
|---|---|
| Max DD | 26.30% |
| CAGR/Max DD | 1.71 |
EPS (Earnings per Share)
Revenue
Description: BCY Barclays December 03, 2025
Barclays PLC (XETRA:BCY) is a globally diversified financial institution headquartered in London, operating across retail, corporate, private, and investment banking, as well as wealth and investment management. Its business is organized into five main segments: Barclays UK, Barclays UK Corporate Bank, Barclays Private Bank & Wealth Management, Barclays Investment Bank, and Barclays US Consumer Bank, delivering a mix of deposit, lending, credit-card, securities-trading, and advisory services.
According to the most recent interim results (Q3 2024), Barclays reported total revenue of £13.2 bn, a net profit of £2.1 bn, and a Common Equity Tier 1 (CET1) capital ratio of 14.6 %, comfortably above the regulatory minimum. The dividend yield hovered around 5.2 % on a share price of roughly £5.00, reflecting the bank’s commitment to returning cash to shareholders despite a challenging macro environment.
Key drivers of Barclays’ performance include the trajectory of UK and US interest rates, which affect net interest margin; the pace of digital banking adoption that can lower cost-to-serve; and regulatory capital requirements that shape balance-sheet leverage. A slowdown in UK economic growth or a tightening of Basel III standards would materially pressure earnings, while continued rate-hike cycles could boost net interest income.
For a deeper, data-driven view of Barclays’ valuation metrics, you might explore the analysis on ValueRay.
Piotroski VR‑10 (Strict, 0-10) 5.0
| Net Income: 7.17b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.73 > 1.0 |
| NWC/Revenue: -729.3% < 20% (prev 842.1%; Δ -1571 % < -1%) |
| CFO/TA 0.01 > 3% & CFO 18.74b > Net Income 7.17b |
| Net Debt (-9.81b) to EBITDA (9.73b): -1.01 < 3 |
| Current Ratio: 0.58 > 1.5 & < 3 |
| Outstanding Shares: last quarter (13.88b) vs 12m ago -3.80% < -2% |
| Gross Margin: 45.42% > 18% (prev 0.98%; Δ 4444 % > 0.5%) |
| Asset Turnover: 2.60% > 50% (prev 1.64%; Δ 0.95% > 0%) |
| Interest Coverage Ratio: 0.45 > 6 (EBITDA TTM 9.73b / Interest Expense TTM 21.69b) |
Altman Z'' -1.02
| A: -0.19 (Total Current Assets 407.84b - Total Current Liabilities 697.65b) / Total Assets 1544.16b |
| B: 0.04 (Retained Earnings 59.25b / Total Assets 1544.16b) |
| C: 0.01 (EBIT TTM 9.73b / Avg Total Assets 1531.18b) |
| D: 0.04 (Book Value of Equity 62.72b / Total Liabilities 1445.72b) |
| Altman-Z'' Score: -1.02 = CCC |
Beneish M
| DSRI: none (Receivables 276.0m/none, Revenue 39.74b/24.96b) |
| GMI: 2.17 (GM 45.42% / 98.46%) |
| AQI: 0.85 (AQ_t 0.73 / AQ_t-1 0.86) |
| SGI: 1.59 (Revenue 39.74b / 24.96b) |
| TATA: -0.01 (NI 7.17b - CFO 18.74b) / TA 1544.16b) |
| Beneish M-Score: cannot calculate (missing components) |
What is the price of BCY shares?
Over the past week, the price has changed by +2.10%, over one month by -1.41%, over three months by +19.74% and over the past year by +50.41%.
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 | - | - |
BCY Fundamental Data Overview February 20, 2026
Market Cap GBP = 64.82b (74.20b EUR * 0.8735 EUR.GBP)
P/E Trailing = 10.9796
P/E Forward = 8.7184
P/S = 2.7669
P/B = 0.8238
P/EG = 1.4525
Revenue TTM = 39.74b GBP
EBIT TTM = 9.73b GBP
EBITDA TTM = 9.73b GBP
Long Term Debt = unknown (none)
Short Term Debt = 35.40b GBP (from shortTermDebt, two quarters ago)
Debt = 219.94b GBP (from shortLongTermDebtTotal, last quarter)
Net Debt = -9.81b GBP (from netDebt column, last quarter)
Enterprise Value = -122.81b GBP (64.82b + Debt 219.94b - CCE 407.56b)
Interest Coverage Ratio = 0.45 (Ebit TTM 9.73b / Interest Expense TTM 21.69b)
EV/FCF = -7.28x (Enterprise Value -122.81b / FCF TTM 16.88b)
FCF Yield = -13.75% (FCF TTM 16.88b / Enterprise Value -122.81b)
FCF Margin = 42.48% (FCF TTM 16.88b / Revenue TTM 39.74b)
Net Margin = 18.05% (Net Income TTM 7.17b / Revenue TTM 39.74b)
Gross Margin = 45.42% ((Revenue TTM 39.74b - Cost of Revenue TTM 21.69b) / Revenue TTM)
Gross Margin QoQ = none% (prev none%)
Tobins Q-Ratio = -0.08 (set to none) (Enterprise Value -122.81b / Total Assets 1544.16b)
Interest Expense / Debt = 9.86% (Interest Expense 21.69b / Debt 219.94b)
Taxrate = 20.87% (388.0m / 1.86b)
NOPAT = 7.70b (EBIT 9.73b * (1 - 20.87%))
Current Ratio = 0.58 (Total Current Assets 407.84b / Total Current Liabilities 697.65b)
Debt / Equity = 2.83 (Debt 219.94b / totalStockholderEquity, last quarter 77.78b)
Debt / EBITDA = -1.01 (Net Debt -9.81b / EBITDA 9.73b)
Debt / FCF = -0.58 (Net Debt -9.81b / FCF TTM 16.88b)
Total Stockholder Equity = 76.24b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.47% (Net Income 7.17b / Total Assets 1544.16b)
RoE = 9.41% (Net Income TTM 7.17b / Total Stockholder Equity 76.24b)
RoCE = 1.15% (EBIT 9.73b / Capital Employed (Total Assets 1544.16b - Current Liab 697.65b))
RoIC = 3.53% (NOPAT 7.70b / Invested Capital 218.27b)
WACC = 7.68% (E(64.82b)/V(284.76b) * Re(7.26%) + D(219.94b)/V(284.76b) * Rd(9.86%) * (1-Tc(0.21)))
Discount Rate = 7.26% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 7.95%
Shares Correlation 3-Years: -100.0 | Cagr: -4.09%
[DCF Debug] Terminal Value 71.72% ; FCFF base≈12.34b ; Y1≈8.10b ; Y5≈3.70b
Fair Price DCF = 6.27 (EV 76.67b - Net Debt -9.81b = Equity 86.48b / Shares 13.79b; r=7.68% [WACC]; 5y FCF grow -40.0% → 2.90% )
EPS Correlation: 42.80 | EPS CAGR: 91.10% | SUE: N/A | # QB: 0
Revenue Correlation: 43.30 | Revenue CAGR: 2.31% | SUE: 3.55 | # QB: 1