Stock BACB BULGARIAN-AMERICAN CREDIT BANK AD
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Financials Bulgarian-American Credit Bank AD

Equities

BACB

BG1100098059

Banks

End-of-day quote Bulgaria S.E.
Other stock markets
 06:00:00 2024-04-21 pm EDT 		5-day change 1st Jan Change
11.7 BGN +3.54% Intraday chart for Bulgarian-American Credit Bank AD +3.54% +107.08%
Apr. 16 Bulgarian-American Credit Bank AD agreed to acquire 99.94% stake in Tokuda Bank AD from Tokushukai Incorporated. CI
Jan. 30 Bulgarian-American Credit Bank AD Reports Earnings Results for the Full Year Ended December 31, 2023 CI

Valuation

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Capitalization 1 149.4 160.5 154.3 154.3 154.3 139.5
Enterprise Value (EV) 1 -7.54 -79.28 130.3 13.04 188.3 157.2
P/E ratio 11.9 x 10.7 x 12.8 x 8.54 x 3.66 x 2.51 x
Yield - - - - 1.6% -
Capitalization / Revenue 3.66 x 3.43 x 3.43 x 2.97 x 1.89 x 1.36 x
EV / Revenue -0.18 x -1.7 x 2.89 x 0.25 x 2.3 x 1.54 x
EV / EBITDA - - - - - -
EV / FCF - - - - - -
FCF Yield - - - - - -
Price to Book 0.81 x 0.8 x 0.73 x 0.67 x 0.57 x 0.43 x
Nbr of stocks (in thousands) 24,691 24,691 24,691 24,691 24,691 24,691
Reference price 2 6.050 6.500 6.250 6.250 6.250 5.650
Announcement Date 4/1/19 3/20/20 2/1/21 1/31/22 3/29/23 3/29/24
1BGN in Million2BGN
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Net sales 1 40.76 46.76 45.03 51.95 81.69 102.2
EBITDA - - - - - -
EBIT - - - - - -
Operating Margin - - - - - -
Earnings before Tax (EBT) 1 12.64 15.6 13.4 20.12 46.83 61.84
Net income 1 12.52 15 12.02 18.07 42.15 55.63
Net margin 30.73% 32.09% 26.69% 34.79% 51.59% 54.41%
EPS 2 0.5073 0.6077 0.4867 0.7320 1.707 2.253
Free Cash Flow - - - - - -
FCF margin - - - - - -
FCF Conversion (EBITDA) - - - - - -
FCF Conversion (Net income) - - - - - -
Dividend per Share - - - - 0.1000 -
Announcement Date 4/1/19 3/20/20 2/1/21 1/31/22 3/29/23 3/29/24
1BGN in Million2BGN
Estimates

Balance Sheet Analysis

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Net Debt 1 - - - - 34 17.7
Net Cash position 1 157 240 24 141 - -
Leverage (Debt/EBITDA) - - - - - -
Free Cash Flow - - - - - -
ROE (net income / shareholders' equity) 6.89% 7.77% 5.82% 8.13% 16.8% 18.6%
ROA (Net income/ Total Assets) 0.94% 0.97% 0.68% 0.89% 1.74% 2.04%
Assets 1 1,335 1,554 1,774 2,034 2,429 2,724
Book Value Per Share 2 7.510 8.130 8.580 9.370 11.00 13.20
Cash Flow per Share 2 7.970 11.70 2.520 6.960 0.9000 1.130
Capex 1 2.03 2.82 1.28 0.51 1.23 1.41
Capex / Sales 4.98% 6.02% 2.84% 0.98% 1.5% 1.38%
Announcement Date 4/1/19 3/20/20 2/1/21 1/31/22 3/29/23 3/29/24
1BGN in Million2BGN
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Change in Enterprise Value/EBITDA

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