Barclays (BARC) AI Stock Analysis

• Market Cap: £52.96B
• Dividend Yield: 1.5%
• Average Volume (3M): 33.47M
• Price to Earnings (P/E): 9.4
• Beta (1Y): 1.76
• Revenue Growth: 14.18%
• EPS Growth: 46.12%
• Country: UK
• Employees: 93,000
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Diversified
• EPS (TTM): 0.09
• Shares Outstanding: 13,758,628,000
• 10 Day Avg. Volume: 35,500,674
• 30 Day Avg. Volume: 33,466,698
• PEG Ratio: 0.42
• Price to Book (P/B): 0.86
• Price to Sales (P/S): 1.32
• P/FCF Ratio: 3.98
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: £551.00
• Price Target Upside: 42.95% Upside
• Rating Consensus: Strong Buy
• Number of Analyst Covering: 10
• EPS Forecast (FY): 0.53
• Revenue Forecast (FY): £30.88B

• Rating: 61 Neutral
• Price Target: 407.00 p ▲(5.59% Upside)
• Action: Downgraded Date: 02/18/26
• Date: Action: Downgraded 02/18/26

The score is driven primarily by solid but cyclical financial performance (improving profitability and strong 2024–2025 cash conversion, tempered by higher leverage and revenue softness). Constructive earnings-call guidance and capital return plans support the outlook, while weak near-term technical momentum materially drags the overall score; valuation is supportive with a low P/E but only a modest dividend yield.

Positive Factors

Predictable net interest income from structural hedge

Barclays has materially de‑risked NII by locking multi‑year hedge income (c.£6.4bn for 2026 and £17bn over three years) with ~3.5yr duration. This structurally smooths net interest income, improves cashflow visibility and supports planning for distributions and reinvestment across the medium term.

Negative Factors

Elevated and rising leverage

Debt at ~2.8x equity and a rising leverage trend reduces shock absorption and increases sensitivity to credit or market stress. Higher leverage can constrain strategic optionality, amplify capital ratio pressure under RWA increases, and raise funding or regulatory costs over multiple quarters.

Barclays Business Overview & Revenue Model

Company Description

Barclays PLC, through its subsidiaries, provides various financial products and services in the United Kingdom, Europe, the Americas, Africa, the Middle East, and Asia. The company operates through Barclays UK and Barclays International divisions....

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Barclays PLC, through its subsidiaries, provides various financial products and services in the United Kingdom, Europe, the Americas, Africa, the Middle East, and Asia. The company operates through Barclays UK and Barclays International divisions....

How the Company Makes Money

Barclays makes money primarily by earning interest and fees across its banking and markets activities. A major revenue source is net interest income: the bank takes deposits and other funding and uses them to make loans (e.g., mortgages, consumer ...

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Barclays makes money primarily by earning interest and fees across its banking and markets activities. A major revenue source is net interest income: the bank takes deposits and other funding and uses them to make loans (e.g., mortgages, consumer ...

Barclays Financial Statement Overview

Breakdown	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	50.83B	51.62B	47.75B	33.55B	25.12B
Gross Profit	29.14B	26.23B	25.38B	25.02B	21.95B
EBITDA	10.89B	9.81B	8.34B	8.73B	9.87B
Net Income	7.17B	6.31B	5.26B	5.93B	7.01B
Balance Sheet
Total Assets	1.54T	1.52T	1.48T	1.51T	1.38T
Cash, Cash Equivalents and Short-Term Investments	407.56B	509.67B	538.31B	542.42B	521.33B
Total Debt	219.94B	185.75B	176.55B	183.37B	166.59B
Total Liabilities	1.47T	1.45T	1.41T	1.44T	1.31T
Stockholders Equity	77.78B	71.82B	71.20B	68.29B	69.05B
Cash Flow
Free Cash Flow	16.88B	5.54B	-2.65B	28.48B	47.20B
Operating Cash Flow	18.74B	7.11B	-927.00M	30.23B	48.92B
Investing Cash Flow	1.59B	-17.89B	-23.41B	-21.67B	4.27B
Financing Cash Flow	2.26B	784.00M	-1.39B	696.00M	107.00M

Barclays Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 385.45
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Positive

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For GB:BARC, the sentiment is Neutral. The current price of 385.45 is below the 20-day moving average (MA) of 406.76, below the 50-day MA of 446.65, and below the 200-day MA of 400.07, indicating a bearish trend. The MACD of -18.87 indicates Negative momentum. The RSI at 41.50 is Neutral, neither overbought nor oversold. The STOCH value of 17.44 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for GB:BARC.

Barclays Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
HSBA	80 Outperform	£205.69B	12.10	8.88%	4.27%	-11.86%	-24.31%
INVP	68 Neutral	£10.56B	3.32	12.75%	6.78%	-2.34%	2.55%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
LLOY	67 Neutral	£54.08B	10.47	8.08%	3.41%	-22.85%	-21.12%
STAN	65 Neutral	£34.50B	11.02	9.85%	1.70%	-4.35%	21.86%
NWG	64 Neutral	£42.66B	9.00	14.96%	3.85%	4.27%	26.21%
BARC	61 Neutral	£52.96B	9.37	9.41%	1.50%	14.18%	46.12%

Barclays Corporate Events