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Bulgarian (SOFIX) Financials Sector Analysis

UpdatedDec 25, 2025
DataAggregated Company Financials
Companies51
  • 7D1.9%
  • 3M9.8%
  • 1Y18.7%
  • YTD17.2%

The Financials industry is up 2.4% in the last week, with First Investment Bank AD up 4.3%. In the last 12 months, the industry was up 18%.

Sector Valuation and Performance

Has the Bulgarian Financials Sector valuation changed over the past few years?

DateMarket CapRevenueEarningsPEAbsolute PEPS
Thu, 25 Dec 2025лв4.1bлв4.8bлв635.1m10.3x6.4x0.9x
Sat, 22 Nov 2025лв3.8bлв4.8bлв625.9m10.9x6x0.8x
Mon, 20 Oct 2025лв3.9bлв4.8bлв631.6m11.3x6.1x0.8x
Wed, 17 Sep 2025лв3.9bлв4.8bлв621.3m11.1x6.3x0.8x
Fri, 15 Aug 2025лв3.9bлв4.7bлв518.2m15.4x7.5x0.8x
Sun, 13 Jul 2025лв3.8bлв4.7bлв493.0m17.3x7.6x0.8x
Tue, 10 Jun 2025лв3.7bлв4.7bлв499.5m17.8x7.4x0.8x
Thu, 08 May 2025лв3.4bлв4.4bлв445.3m16.6x7.6x0.8x
Sat, 05 Apr 2025лв3.5bлв4.4bлв460.6m15.3x7.5x0.8x
Mon, 03 Mar 2025лв3.0bлв1.5bлв389.0m11.5x7.7x1.9x
Wed, 29 Jan 2025лв2.9bлв1.5bлв352.0m11.2x8.4x1.9x
Fri, 27 Dec 2024лв2.9bлв1.5bлв352.0m10.4x8.3x1.9x
Sun, 24 Nov 2024лв2.9bлв1.5bлв364.5m7.3x7.8x1.9x
Tue, 22 Oct 2024лв2.9bлв1.5bлв356.5m10.7x8x1.9x
Thu, 19 Sep 2024лв2.9bлв1.5bлв354.8m8.2x8.2x1.9x
Sat, 17 Aug 2024лв3.4bлв4.2bлв414.4m11.7x8.1x0.8x
Mon, 15 Jul 2024лв2.8bлв1.5bлв386.6m8.3x7.3x1.8x
Wed, 12 Jun 2024лв3.3bлв5.3bлв599.4m7.3x5.4x0.6x
Fri, 10 May 2024лв3.1bлв5.3bлв621.4m7.9x5x0.6x
Sun, 07 Apr 2024лв2.8bлв5.3bлв617.8m7.7x4.5x0.5x
Tue, 05 Mar 2024лв2.8bлв5.3bлв611.8m8.8x4.5x0.5x
Thu, 01 Feb 2024лв2.8bлв5.4bлв644.6m7.7x4.4x0.5x
Sat, 30 Dec 2023лв2.9bлв5.3bлв625.6m7x4.6x0.5x
Mon, 27 Nov 2023лв2.8bлв5.9bлв653.7m8.8x4.2x0.5x
Wed, 25 Oct 2023лв2.8bлв5.9bлв645.5m10.5x4.3x0.5x
Fri, 22 Sep 2023лв2.7bлв5.9bлв645.9m9.7x4.3x0.5x
Sun, 20 Aug 2023лв2.7bлв3.3bлв342.0m11.8x7.9x0.8x
Tue, 18 Jul 2023лв2.6bлв6.2bлв571.4m11.5x4.6x0.4x
Thu, 15 Jun 2023лв2.6bлв8.1bлв577.1m10.5x4.6x0.3x
Sat, 13 May 2023лв2.5bлв7.6bлв328.0m10.8x7.7x0.3x
Mon, 10 Apr 2023лв2.4bлв7.5bлв313.3m12.5x7.8x0.3x
Wed, 08 Mar 2023лв2.6bлв7.5bлв286.5m12.9x9x0.3x
Fri, 03 Feb 2023лв2.6bлв8.0bлв444.4m11.4x5.9x0.3x
Sun, 01 Jan 2023лв2.5bлв8.0bлв465.7m7.7x5.4x0.3x
Price to Earnings Ratio

5.4x


Total Market Cap: лв2.5bTotal Earnings: лв465.7mTotal Revenue: лв8.0bTotal Market Cap vs Earnings and Revenue0%0%0%
Bulgarian Financials Sector Price to Earnings3Y Average 6.5x202320242025
Current Industry PE
  • Investors are relatively neutral on the Bulgarian Financials industry at the moment, indicating that they anticipate long term growth rates to remain steady.
  • The industry is trading close to its 3-year average PE ratio of 6.5x.
  • The industry is trading close to its 3-year average PS ratio of 0.88x.
Past Earnings Growth
  • The earnings for companies in the Financials industry have grown 11% per year over the last three years.
  • Meanwhile revenues for these companies have declined 16% per year.
  • This means that less sales are being generated overall, but since cost of doing business is lower, profits have been increasing.

Industry Trends

Which industries have driven the changes within the Bulgarian Financials sector?

BG Market1.51%
Financials1.95%
Consumer Finance12.11%
Banks2.84%
Diversified Financial2.64%
Capital Markets0.97%
Mortgage REITs0%0
Insurance-2.10%
Industry PE
  • Investors are most optimistic about the Capital Markets industry even though it's trading below its 3-year average PE ratio of 55.7x.
    • It looks like they are confident that earnings will grow faster in the future than they have historically.
  • Investors are most pessimistic about the Diversified Financial industry, which is trading below its 3-year average of 5.4x.
Forecasted GrowthThere is insufficient data on the sub-industries of this industry.

Top Stock Gainers and Losers

Which companies have driven the market over the last 7 days?

CompanyLast Price7D1YValuation
FIB First Investment Bank ADлв5.803.9%
+лв32.8m		38.8%PB0.5x
SCOM Sofia Commerce-Pawn Brokerage ADлв5.7014.9%
+лв19.8m		232.0%PE22.1x
DUH Doverie United Holding ADлв12.504.6%
+лв11.6m		56.3%PE1.9x
CCB Central Cooperative Bank ADлв1.924.3%
+лв10.2m		14.3%PB0.3x
CHL Chernomorski Holding ADлв22.008.9%
+лв5.9m		0%PB1.1x

Latest News

HRC
лв4.58
HR Capital AD
7D
-7.3%
1Y
86.2%
FIB
лв5.80
First Investment Bank AD
7D
3.9%
1Y
38.8%
VFAL
лв41,800.00
VF Alternative AD
7D
-5.0%
1Y
n/a
CCB
лв1.92
Central Cooperative Bank AD
7D
4.3%
1Y
14.3%
11C
лв16.70
Eleven Capital AD
7D
-1.8%
1Y
7.7%
EUBG
лв1.85
Eurohold Bulgaria AD
7D
-2.1%
1Y
-6.6%
HSOF
лв3.98
Holding Sveta Sofia AD
7D
7.6%
1Y
10.6%
HLEV
лв4.90
Zlaten Lev Holding
7D
7.5%
1Y
5.6%
CHL
лв22.00
Chernomorski Holding AD
7D
8.9%
1Y
0%
DUH
лв12.50
Doverie United Holding AD
7D
4.6%
1Y
56.3%
NAD
лв1.00
NIC Nadejda AD
7D
63.9%
1Y
51.5%
SCOM
лв5.70
Sofia Commerce-Pawn Brokerage AD
7D
14.9%
1Y
232.0%

Investors Aren't Entirely Convinced By Sofia Commerce-Pawn Brokerage AD's (BUL:SCOM) Earnings

Jan 14
Investors Aren't Entirely Convinced By Sofia Commerce-Pawn Brokerage AD's (BUL:SCOM) Earnings