First Investment Bank AD

BUL:FIB Stock Report

Market Cap: лв623.2m

First Investment Bank AD Past Earnings Performance

Past criteria checks 2/6

First Investment Bank AD has been growing earnings at an average annual rate of 6.8%, while the Banks industry saw earnings growing at 18% annually. Revenues have been growing at an average rate of 3.7% per year. First Investment Bank AD's return on equity is 6.6%, and it has net margins of 29%.

Key information

6.8%

Earnings growth rate

-1.6%

EPS growth rate

Banks Industry Growth10.6%
Revenue growth rate3.7%
Return on equity6.6%
Net Margin29.0%
Last Earnings Update30 Sep 2024

Recent past performance updates

Recent updates

With EPS Growth And More, First Investment Bank AD (BUL:FIB) Makes An Interesting Case

Jun 07
With EPS Growth And More, First Investment Bank AD (BUL:FIB) Makes An Interesting Case

Here's Why We Think First Investment Bank AD (BUL:FIB) Might Deserve Your Attention Today

Nov 02
Here's Why We Think First Investment Bank AD (BUL:FIB) Might Deserve Your Attention Today

Revenue & Expenses Breakdown

How First Investment Bank AD makes and spends money. Based on latest reported earnings, on an LTM basis.

Earnings and Revenue History

BUL:FIB Revenue, expenses and earnings (BGN Millions)
DateRevenueEarningsG+A ExpensesR&D Expenses
30 Sep 243811102550
30 Jun 243951272480
31 Mar 244101442430
31 Dec 234211582380
30 Sep 234291832270
30 Jun 233881472230
31 Mar 233581192210
31 Dec 22332972180
30 Sep 223321092150
30 Jun 223301142080
31 Mar 223181112000
31 Dec 213091111920
30 Sep 21278591870
30 Jun 21272521870
31 Mar 21271491880
31 Dec 20275451940
30 Sep 204231122030
30 Jun 20305662100
31 Mar 203861302190
31 Dec 193961382200
30 Sep 193551742240
30 Jun 194782202230
31 Mar 194011682170
31 Dec 183891712120
30 Sep 18326961840
30 Jun 18327981890
31 Mar 18331952060
31 Dec 17338922050
30 Sep 173431042660
30 Jun 17267462400
31 Mar 17318951960
31 Dec 16319991920
30 Sep 16143621470
30 Jun 161921051570
31 Mar 16121401800
31 Dec 1595181810
30 Sep 15246201820
30 Jun 15243171820
31 Mar 15261311870
31 Dec 14266311910
30 Sep 142501841930
30 Jun 142451841860
31 Mar 142301801760
31 Dec 132141851560

Quality Earnings: FIB has high quality earnings.

Growing Profit Margin: FIB's current net profit margins (29%) are lower than last year (42.7%).

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: FIB's earnings have grown by 6.8% per year over the past 5 years.

Accelerating Growth: FIB's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.

Earnings vs Industry: FIB had negative earnings growth (-39.8%) over the past year, making it difficult to compare to the Banks industry average (12.6%).

Return on Equity

High ROE: FIB's Return on Equity (6.6%) is considered low.

Return on Assets

Return on Capital Employed

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2024/12/26 05:22
End of Day Share Price 2024/12/23 00:00
Earnings2024/09/30
Annual Earnings2023/12/31

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.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* 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

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

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

First Investment 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.

AnalystInstitution
null nullFirst Financial Brokerage House
Svetoslav TassevKBC Securities- CEE Research