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Bulgarian (SOFIX) Financials Sector Analysis
UpdatedApr 18, 2025
DataAggregated Company Financials
Companies55
- 7D-0.3%
- 3M-2.4%
- 1Y18.2%
- YTD-1.5%
The Financials industry is up 1.8% in the last week, with First Investment Bank AD up 5.2%. In the same time, Alpha Bulgaria AD was down 7.1%. In the last 12 months, the industry was up 21%.
Sector Valuation and Performance
Has the Bulgarian Financials Sector valuation changed over the past few years?
| Date | Market Cap | Revenue | Earnings | PE | Absolute PE | PS |
|---|---|---|---|---|---|---|
| Fri, 18 Apr 2025 | лв3.5b | лв4.4b | лв448.7m | 16.3x | 7.7x | 0.8x |
| Sun, 16 Mar 2025 | лв3.4b | лв4.4b | лв460.7m | 13.5x | 7.5x | 0.8x |
| Tue, 11 Feb 2025 | лв3.0b | лв1.5b | лв353.6m | 11.3x | 8.4x | 2x |
| Thu, 09 Jan 2025 | лв2.9b | лв1.5b | лв352.0m | 10.8x | 8.3x | 1.9x |
| Sat, 07 Dec 2024 | лв2.9b | лв1.5b | лв356.9m | 10.4x | 8x | 1.9x |
| Mon, 04 Nov 2024 | лв2.9b | лв1.5b | лв360.7m | 7.9x | 8x | 1.9x |
| Wed, 02 Oct 2024 | лв2.8b | лв1.5b | лв355.0m | 7.9x | 8x | 1.9x |
| Fri, 30 Aug 2024 | лв3.4b | лв4.2b | лв413.4m | 11.6x | 8.2x | 0.8x |
| Sun, 28 Jul 2024 | лв2.9b | лв1.5b | лв386.6m | 8.4x | 7.4x | 1.9x |
| Tue, 25 Jun 2024 | лв2.8b | лв1.5b | лв390.2m | 7.5x | 7.1x | 1.9x |
| Thu, 23 May 2024 | лв3.4b | лв5.3b | лв622.7m | 8.2x | 5.4x | 0.6x |
| Sat, 20 Apr 2024 | лв2.8b | лв5.3b | лв617.3m | 8x | 4.5x | 0.5x |
| Mon, 18 Mar 2024 | лв2.8b | лв5.4b | лв617.4m | 7.7x | 4.5x | 0.5x |
| Wed, 14 Feb 2024 | лв2.8b | лв5.4b | лв637.2m | 8.8x | 4.3x | 0.5x |
| Fri, 12 Jan 2024 | лв2.8b | лв5.4b | лв644.0m | 7.1x | 4.4x | 0.5x |
| Sun, 10 Dec 2023 | лв2.8b | лв5.3b | лв627.2m | 7.6x | 4.4x | 0.5x |
| Tue, 07 Nov 2023 | лв2.8b | лв5.9b | лв644.7m | 10.6x | 4.4x | 0.5x |
| Thu, 05 Oct 2023 | лв2.8b | лв5.9b | лв645.9m | 10x | 4.3x | 0.5x |
| Sat, 02 Sep 2023 | лв2.8b | лв5.9b | лв614.1m | 9.7x | 4.6x | 0.5x |
| Mon, 31 Jul 2023 | лв2.6b | лв6.2b | лв571.4m | 11.9x | 4.6x | 0.4x |
| Wed, 28 Jun 2023 | лв2.6b | лв6.2b | лв566.1m | 10.6x | 4.6x | 0.4x |
| Fri, 26 May 2023 | лв2.5b | лв7.6b | лв328.1m | 10.9x | 7.8x | 0.3x |
| Sun, 23 Apr 2023 | лв2.4b | лв7.5b | лв314.4m | 12.5x | 7.8x | 0.3x |
| Tue, 21 Mar 2023 | лв2.4b | лв7.5b | лв311.7m | 12.3x | 7.8x | 0.3x |
| Thu, 16 Feb 2023 | лв2.6b | лв8.0b | лв452.9m | 13.1x | 5.7x | 0.3x |
| Sat, 14 Jan 2023 | лв2.6b | лв8.0b | лв453.1m | 9.3x | 5.8x | 0.3x |
| Mon, 12 Dec 2022 | лв2.4b | лв8.0b | лв465.8m | 6.9x | 5.2x | 0.3x |
| Wed, 09 Nov 2022 | лв2.5b | лв7.2b | лв412.9m | 7x | 6x | 0.3x |
| Fri, 07 Oct 2022 | лв2.5b | лв7.2b | лв408.6m | 7.6x | 6x | 0.3x |
| Sun, 04 Sep 2022 | лв2.6b | лв7.1b | лв400.8m | 8x | 6.4x | 0.4x |
| Tue, 02 Aug 2022 | лв2.5b | лв6.1b | лв370.0m | 8.1x | 6.8x | 0.4x |
| Thu, 30 Jun 2022 | лв2.6b | лв6.1b | лв370.3m | 8.4x | 6.9x | 0.4x |
| Sat, 28 May 2022 | лв2.6b | лв4.8b | лв327.1m | 9.5x | 8x | 0.5x |
| Mon, 25 Apr 2022 | лв2.7b | лв4.8b | лв315.3m | 9.5x | 8.5x | 0.6x |
Price to Earnings Ratio
8.5x
Current Industry PE
- Investors are optimistic on the Bulgarian Financials industry, and appear confident in long term growth rates.
- The industry is trading at a PE ratio of 7.8x which is higher than its 3-year average PE of 6.5x.
- The industry is trading close to its 3-year average PS ratio of 0.79x.
Past Earnings Growth
- The earnings for companies in the Financials industry have grown 13% per year over the last three years.
- Meanwhile revenues for these companies have declined 2.7% 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 Market | 0.20% | |
| Financials | -0.35% | |
| Consumer Finance | 1.04% | |
| Diversified Financial | 0.98% | |
| Mortgage REITs | 0% | 0 |
| Insurance | -0.052% | |
| Capital Markets | -0.29% | |
| Banks | -1.09% | |
Industry PE
- Investors are most optimistic about the Mortgage REITs industry even though it's trading below its 3-year average PE ratio of 4kx.
- It looks like they are confident that earnings will grow faster in the future than they have historically.
- Investors are most pessimistic about the Banks industry, which is trading close to its 3-year average of 4.1x.
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?
| Company | Last Price | 7D | 1Y | Valuation | |
|---|---|---|---|---|---|
| FIB First Investment Bank AD | лв4.06 | 5.2% +лв29.8m | 61.1% | PB0.4x | |
| MFG MFG Invest AD | лв2.64 | 16.8% +лв4.1m | n/a | n/a | |
| DUH Doverie United Holding AD | лв8.10 | 1.5% +лв2.6m | -3.3% | PE2.3x | |
| TXIM Texim Bank AD | лв3.70 | 1.1% +лв1.5m | 5.7% | PB2x | |
| OPBI Opportunity Bulgaria Investment AD | лв2.50 | 4.2% +лв1.0m | 47.1% | n/a |