Bulgarian-American Credit Bank AD Past Earnings Performance
Past criteria checks 2/6
Bulgarian-American Credit Bank AD has been growing earnings at an average annual rate of 36.2%, while the Banks industry saw earnings growing at 18.5% annually. Revenues have been growing at an average rate of 23% per year. Bulgarian-American Credit Bank AD's return on equity is 15.5%, and it has net margins of 51.8%.
Key information
36.2%
Earnings growth rate
39.6%
EPS growth rate
| Banks Industry Growth | 10.6% |
| Revenue growth rate | 23.0% |
| Return on equity | 15.5% |
| Net Margin | 51.8% |
| Last Earnings Update | 31 Dec 2024 |
Recent past performance updates
Revenue & Expenses Breakdown
How Bulgarian-American Credit Bank AD makes and spends money. Based on latest reported earnings, on an LTM basis.
Earnings and Revenue History
| Date | Revenue | Earnings | G+A Expenses | R&D Expenses |
|---|---|---|---|---|
| 31 Dec 24 | 56 | 29 | 24 | 0 |
| 30 Sep 24 | 57 | 29 | 21 | 0 |
| 30 Jun 24 | 57 | 30 | 20 | 0 |
| 31 Mar 24 | 56 | 31 | 19 | 0 |
| 31 Dec 23 | 52 | 28 | 18 | 0 |
| 30 Sep 23 | 56 | 33 | 17 | 0 |
| 30 Jun 23 | 51 | 29 | 17 | 0 |
| 31 Mar 23 | 45 | 24 | 16 | 0 |
| 31 Dec 22 | 42 | 22 | 16 | 0 |
| 30 Sep 22 | 31 | 13 | 15 | 0 |
| 30 Jun 22 | 29 | 10 | 15 | 0 |
| 31 Mar 22 | 28 | 10 | 16 | 0 |
| 31 Dec 21 | 27 | 9 | 14 | 0 |
| 30 Sep 21 | 25 | 8 | 16 | 0 |
| 30 Jun 21 | 25 | 8 | 16 | 0 |
| 31 Mar 21 | 24 | 7 | 16 | 0 |
| 31 Dec 20 | 24 | 7 | 16 | 0 |
| 30 Sep 20 | 23 | 7 | 15 | 0 |
| 30 Jun 20 | 24 | 7 | 15 | 0 |
| 31 Mar 20 | 24 | 7 | 15 | 0 |
| 31 Dec 19 | 23 | 7 | 15 | 0 |
| 30 Sep 19 | 23 | 7 | 15 | 0 |
| 30 Jun 19 | 22 | 6 | 14 | 0 |
| 31 Mar 19 | 22 | 7 | 14 | 0 |
| 31 Dec 18 | 21 | 6 | 13 | 0 |
| 30 Sep 18 | 20 | 6 | 13 | 0 |
| 30 Jun 18 | 18 | 5 | 12 | 0 |
| 31 Mar 18 | 17 | 4 | 12 | 0 |
| 31 Dec 17 | 17 | 4 | 12 | 0 |
| 30 Sep 17 | 16 | 3 | 11 | 0 |
| 30 Jun 17 | 16 | 3 | 11 | 0 |
| 31 Mar 17 | 16 | 4 | 11 | 0 |
| 31 Dec 16 | 15 | 3 | 11 | 0 |
| 30 Sep 16 | 16 | 5 | 11 | 0 |
| 30 Jun 16 | 15 | 4 | 10 | 0 |
| 31 Mar 16 | 13 | 2 | 11 | 0 |
| 31 Dec 15 | 11 | 0 | 10 | 0 |
| 30 Sep 15 | 10 | -1 | 10 | 0 |
| 30 Jun 15 | 8 | -2 | 10 | 0 |
| 31 Mar 15 | 8 | -3 | 10 | 0 |
| 31 Dec 14 | 6 | -4 | 9 | 0 |
| 30 Sep 14 | 6 | -4 | 9 | 0 |
| 30 Jun 14 | 3 | -6 | 9 | 0 |
| 31 Mar 14 | 1 | -8 | 9 | 0 |
Quality Earnings: BACB has high quality earnings.
Growing Profit Margin: BACB's current net profit margins (51.8%) are lower than last year (54.4%).
Free Cash Flow vs Earnings Analysis
Past Earnings Growth Analysis
Earnings Trend: BACB's earnings have grown significantly by 36.2% per year over the past 5 years.
Accelerating Growth: BACB's earnings growth over the past year (1.8%) is below its 5-year average (36.2% per year).
Earnings vs Industry: BACB earnings growth over the past year (1.8%) did not outperform the Banks industry 12.3%.
Return on Equity
High ROE: BACB's Return on Equity (15.5%) is considered low.
Return on Assets
Return on Capital Employed
Discover strong past performing companies
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2025/02/02 06:49 |
| End of Day Share Price | 2025/01/31 00:00 |
| Earnings | 2024/12/31 |
| Annual Earnings | 2024/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
| |
| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
| |
| Ownership | 10 years |
| |
| Management | 10 years |
| |
| Key Developments | 10 years |
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* example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.
Analysis Model and Snowflake
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Learn about the world class team who designed and built the Simply Wall St analysis model.
Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .
Analyst Sources
Bulgarian-American Credit Bank AD is covered by 2 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Veselin Radoychev | First Financial Brokerage House |
| Sandra Jankovic | KBC Securities- CEE Research |