Barclays (BCS) AI Stock Analysis

• Market Cap: $74.16B
• Dividend Yield: 2%
• Average Volume (3M): 6.60M
• Price to Earnings (P/E): 9.7
• Beta (1Y): 1.13
• Revenue Growth: 17.50%
• EPS Growth: 49.25%
• Country: US
• Employees: 93,000
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Diversified
• EPS (TTM): 0.56
• Shares Outstanding: 3,485,209,200
• 10 Day Avg. Volume: 6,128,949
• 30 Day Avg. Volume: 6,598,281
• PEG Ratio: 0.22
• Price to Book (P/B): 0.55
• Price to Sales (P/S): 0.76
• P/FCF Ratio: 7.07
• Enterprise Value/Market Cap: -2.75
• Enterprise Value/Revenue: -5.22
• Enterprise Value/Gross Profit: -5.02
• Enterprise Value/Ebitda: -21.36
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 77 Outperform
• Price Target: $23.00 ▲(17.23% Upside)

Barclays' strong financial performance, attractive valuation, and positive earnings call sentiment are the primary drivers of its score. Technical indicators suggest some caution due to bearish momentum, but the overall outlook remains positive.

Barclays Business Overview & Revenue Model

Company Description

Barclays PLC is a British multinational investment bank and financial services company headquartered in London. It operates in various sectors including personal banking, investment banking, wealth management, and corporate banking. Core products and services offered by Barclays include retail banking services such as savings and checking accounts, credit cards, and loans, as well as investment banking services such as advisory, capital markets, and risk management solutions for corporations and institutions.

How the Company Makes Money

Barclays generates revenue through multiple streams. Primarily, it earns money from interest income on loans and mortgages provided to individuals and businesses. Additionally, the bank charges fees for various banking services, such as account maintenance, transaction fees, and advisory services in its investment banking division. Another significant revenue stream comes from trading and investment activities, where Barclays engages in buying and selling securities, derivatives, and foreign exchange. The bank also benefits from wealth management services, where it charges fees for asset management and financial planning. Strategic partnerships, such as alliances with technology firms for digital banking solutions, further enhance its revenue potential by attracting a broader customer base and improving operational efficiency.

Barclays Financial Statement Overview

Summary

Barclays demonstrates solid financial health with strong revenue growth and profitability, highlighted by a stable balance sheet with no debt and improving cash flows. However, the absence of EBIT margins in the latest period and past cash flow volatility underline areas for potential concern in operational and cash flow management.

Income Statement

Barclays has shown a consistent revenue growth with the latest annual revenue increasing from 23.5B to 26.2B, a 11.3% growth. The net profit margin for the latest year is approximately 24.0%, indicating strong profitability. However, EBIT margin figures are absent for the latest period, limiting a full assessment of operational efficiency.

Balance Sheet

The balance sheet shows strong equity with a debt-to-equity ratio of 0, indicating no debt and excellent financial stability. The return on equity stands at 8.8%, reflecting decent profitability on shareholder investments. The equity ratio of 4.7% suggests a moderate level of equity financing compared to total assets.

Cash Flow

Barclays' free cash flow significantly improved from -2.6B to 5.5B, showcasing robust cash generation capabilities. The operating cash flow to net income ratio is approximately 1.1, indicating that the company efficiently converts its income into cash. However, the negative free cash flow in the previous period highlights potential volatility.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	39.00B	51.62B	23.50B	23.74B	22.59B	16.95B
Gross Profit	40.61B	26.23B	25.38B	24.96B	21.94B	21.61B
EBITDA	9.53B	9.81B	8.34B	8.73B	9.87B	4.80B
Net Income	6.91B	6.31B	5.26B	5.93B	7.01B	2.38B
Balance Sheet
Total Assets	1.63T	1.52T	1.48T	1.51T	1.38T	1.35T
Cash, Cash Equivalents and Short-Term Investments	867.54B	509.67B	538.31B	542.42B	521.33B	457.38B
Total Debt	143.98B	185.75B	176.55B	183.37B	166.59B	144.02B
Total Liabilities	1.55T	1.45T	1.41T	1.44T	1.31T	1.28T
Stockholders Equity	76.39B	71.82B	71.20B	68.29B	69.05B	65.80B
Cash Flow
Free Cash Flow	0.00	5.54B	-2.65B	28.48B	47.20B	56.18B
Operating Cash Flow	0.00	7.11B	-927.00M	30.23B	48.92B	57.51B
Investing Cash Flow	0.00	-17.89B	-23.41B	-21.67B	4.27B	-18.38B
Financing Cash Flow	0.00	784.00M	-8.35B	696.00M	107.00M	2.73B

Barclays Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 19.62
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For BCS, the sentiment is Positive. The current price of 19.62 is below the 20-day moving average (MA) of 20.76, below the 50-day MA of 20.57, and above the 200-day MA of 17.77, indicating a bullish trend. The MACD of 0.33 indicates Negative momentum. The RSI at 63.47 is Neutral, neither overbought nor oversold. The STOCH value of 85.34 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for BCS.

Barclays Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
HSBC	78 Outperform	$245.20B	14.97	8.66%	4.60%	-9.54%	-22.46%
NWG	78 Outperform	$61.88B	8.98	14.58%	4.05%	7.43%	30.31%
BCS	77 Outperform	$74.16B	9.74	9.44%	2.00%	17.50%	49.25%
ING	72 Outperform	$76.53B	11.51	11.71%	4.53%	2.20%	-0.17%
SAN	72 Outperform	$152.18B	10.18	12.54%	2.49%	-15.34%	16.71%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
C	67 Neutral	$187.20B	14.30	6.88%	2.30%	-0.63%	105.57%

Barclays Corporate Events

Barclays Earnings Call: Strong Growth Amid Challenges

Barclays’ recent earnings call painted a picture of robust financial health, characterized by significant income growth and an upgraded Return on Tangible Equity (RoTE) guidance. The bank’s early achievement of efficiency savings was a highlight, although challenges such as the motor finance provision and increased loan loss rate were notable concerns.

Barclays PLC Reports Strong Q3 2025 Earnings

Barclays PLC is a major global financial services provider engaged in retail and commercial banking, credit cards, investment banking, wealth management, and investment management services. It operates primarily in the UK and US, offering a diverse range of financial products and services.