BCS
Barclays PLC
$27.99
▲ 2.8%Updated Today 3:42 PM ET
BCS at a glance — five pillars scored 0–100 from real filed financials.
Overall: Neutral · 56/100. A wider, greener shape means more pillars look healthy. Dividends scores 0 when a company pays none — that is a choice, not a flaw.
▲ Up 54.9% over the last 12 months
Market Cap
$89.46B
P/E
6.37x
Forward P/E (est.)
4.55x
ROE
14.4%
Revenue Growth
—
EPS Growth
48.3%
Profit Margin
—
FCF Yield
—
Debt / Equity
3.55x
ROIC
23.0%
Interest Coverage
1.04x
Current Ratio
—
Dividend Yield
1.6%
Implied Growth (rev. DCF)
-12.1%
Rating Score
56/100
Barclays PLC (BCS) is a large-cap company in the Banking industry, part of the Financials sector of the S&P 500, with a market value around $89.46B.
In its latest reported year it generated about $45.96B in revenue and $9.11B in net profit.
Our model rates BCS Neutral (56/100) on growth, profitability, financial health, and valuation. The summary below is built from its filed financials and current ratios and refreshes automatically.
Evidence of durable competitive advantage in the filed financials (10 years of history).
Some durable-advantage evidence, but not across the board — dig into which ingredient is weak and whether it's cyclical or structural.
157.0% average over the last 3 years
±25.1 pts around 145.8% across 6 years
grew in 5 of the last 9 year-over-year periods
positive in 8 of 10 years
23.0% latest fiscal year
A moat can't be proven by numbers alone — this scores the evidence a durable advantage leaves behind (pricing power, consistency, returns on capital), computed the same way for every stock. Pair it with the business overview before concluding anything.
Technical analysis reads price and volume to judge momentum and timing. It complements the fundamentals above — it does not replace them. Here is what BCS's chart says today, with each tool explained.
Trend — moving averages. A moving average is the average closing price over a window, which smooths out daily noise. BCS trades near $27.99, above its 50-day average ($24.60) and 200-day average ($23.46). Price above both averages, with the shorter one above the longer, is the textbook definition of an uptrend — momentum favours buyers.
Momentum — RSI. The Relative Strength Index runs 0–100 and measures how strong recent gains are versus losses. Above 70 is "overbought", below 30 "oversold". At 76 it is overbought — the recent rally is stretched and can cool off.
MACD. MACD compares two moving averages to flag shifts in momentum. Its histogram is currently positive — short-term momentum is improving.
Volatility — ATR. Average True Range is the typical daily move. BCS's is $0.63 (~2.3% of price), so swings of about that size each day are normal — handy for setting a stop that isn't too tight.
Support & resistance. Over the last month BCS found buyers near $23.64 (support) and sellers near $28.29 (resistance); its 52-week range is $18.11–$28.29. A decisive break beyond either edge often marks the next move.
Volume. The latest session traded 0.4× the 20-day average — lighter than usual, so the move carries less conviction. Rising volume on up-days suggests real buying; on down-days, real selling.
Educational information to help you read a chart — not a recommendation or a forecast. It updates daily as the price and indicators change.
4Y CAGR
34.0%
Revenue moved from $18.47B in 2016 to $45.96B in 2025, a 10.7% compound annual growth rate. The most recent year was roughly steady year over year. Slower, mature growth is common for established businesses.
Gross Margin
—
Operating Margin
—
Net Margin
19.8%
ROE
14.4%
Barclays PLC keeps about n/a of each sales dollar as net profit. Return on equity is 14.4% and return on invested capital about 23.0%. The company is currently unprofitable on a net basis.
Total Debt
—
Net Debt
—
Net Debt / EBITDA
—
Debt / Equity
3.55x
Leverage: debt-to-equity is 3.5x, and operating profit covers interest about 1.0x. That is elevated leverage, which raises risk if earnings or rates move against it.
Operating CF
$23.80B
Free Cash Flow
$21.44B
FCF Margin
46.6%
In the latest year Barclays PLC produced about $23.80B of operating cash flow and $21.44B of free cash flow after capital spending. Cash flow is what ultimately pays shareholders, so it is worth tracking over time.
Can the payout survive a bad year? Scored from filed cash flow, earnings coverage, and the raise/cut record.
The dividend is being paid, but coverage or consistency is thinner than an income investor should rely on without a closer look.
Dividend yield
1.6%
Total paid (latest FY)
$1.59B
History on record
10 years
dividend uses 7% of free cash flow
17% of net income paid out
no current raise streak
payout was cut at least once in the last 10 years
Coverage uses the latest fiscal year as filed with the SEC; the streak counts total dollars paid (per-share figures can carry split artifacts). Educational information, not income advice.
P/E
6.37x
P/S
0.75x
P/B
0.85x
EV / EBITDA
—
BCS trades at 6.4x trailing earnings (about 4.5x on estimated forward earnings), 0.8x sales, and 0.8x book value. Reverse-engineering today's price implies the market expects roughly -12.1% long-term free-cash-flow growth. That is an undemanding multiple — potentially cheap if the business is stable.
A two-stage discounted cash flow on real SEC-filed free cash flow — the intrinsic-value anchor professional analysts triangulate from.
DCF fair value / share
$26.54
Current price
$27.99
Starting FCF (latest 10-K)
$21.44B
Growth, years 1–5
4.0%
Fade to terminal, years 6–10
2.5%
Discount rate
9.0%
Cash flows grow at the stage-1 rate (trailing revenue growth, capped at 20%) for five years, fade to 2.5% by year 10, and continue at that rate forever (Gordon terminal value), all discounted at 9.0%. Small changes in assumptions move the result a lot — treat this as one reference point, not a target price. Educational only, not investment advice.
Where BCS sits versus its Financials sector peers in the S&P 500.
Bands show the middle half (25th–75th percentile) of the 141 Financials companies in the S&P 500 — the peer-relative anchor professional comps analysis uses. Context only — not investment advice.
How BCS stacks up against its Financials peers — valuation, profitability, and growth versus the sector median.
In the Financials sector (289 S&P 500 companies), BCS ranks #98 of 289 by our overall rating. It trades at a discount versus the sector on earnings (6.4x P/E vs. 15.3x median) with a higher return on equity (14.4% vs. 13.6%).
P/E vs sector
6.4x
median 15.3x
ROE vs sector
14.4%
median 13.6%
Growth vs sector
—
median 15.9%
Sector rank
#98
of 289 by rating
Valuation vs. quality map
The sweet spot is upper-left: more profitable (higher ROE) for a lower P/E. Dashed lines mark the sector median.
Peers are the closest Financials companies by sub-industry and size. Sector median is across all 289 S&P 500 names in the sector. Educational, not a recommendation.
Project revenue → earnings → price. Edit the assumptions to build your own case.
2030 price target (Base Case)
$0.00 – $0.00
vs. $27.99 today · expected CAGR -5% – 4%
| Metric | 2026 | 2027 | 2028 | 2029 | 2030 |
|---|---|---|---|---|---|
| Revenue | $49.64B | $53.61B | $57.90B | $62.53B | $67.53B |
| Net income | $9.93B | $10.72B | $11.58B | $12.51B | $13.51B |
| EPS | $3.11 | $3.35 | $3.62 | $3.91 | $4.23 |
| Share price (low) | $15.53 | $16.77 | $18.11 | $19.56 | $21.13 |
| Share price (high) | $24.85 | $26.84 | $28.98 | $31.30 | $33.81 |
| CAGR (low–high) | -45% / -11% | -23% / -2% | -14% / 1% | -9% / 3% | -5% / 4% |
Educational model on sample fundamentals — not a forecast or investment advice. Outputs are only as good as your assumptions.
The case for BCS:
- As an established S&P 500 member in Financials, it brings scale and a long operating history.
The case against BCS:
- Elevated leverage (debt/equity 3.5x) adds financial risk.
- Interest coverage is thin (1.0x), so debt costs bite.
Balance-sheet risk — debt/equity of 3.5x magnifies the impact of higher rates or weaker earnings.
Market risk — sector rotation, the economic cycle, and broad sentiment move the stock regardless of fundamentals.
On balance, the picture is mixed: Barclays PLC is a large-cap financials business growing at a mature pace, with modest profitability, and a heavier debt load to watch. It trades at 6.4x earnings, which our model scores Neutral (56/100). Weigh this against your own goals and time horizon — this is educational information, not a recommendation.
Analyst Ratings
What 23 Wall Street analysts covering BCS recommend (July 2026). Consensus is a useful sanity check — not a substitute for your own homework.
Latest SEC Filings
BCS's most recent filings, straight from SEC EDGAR. Annual and quarterly reports are the deep dives; 8-Ks flag material events the moment they happen.
BCS — frequently asked questions
Is BCS a good stock to buy?
We don't give buy or sell advice. Our model rates Barclays PLC Neutral (56/100) based on its growth, profitability, financial health, and valuation — use that as a research starting point and make your own decision.
What is BCS's rating on The Stocks School?
Barclays PLC currently scores 56/100 (Neutral) on our transparent model, which weighs real fundamentals: growth, margins, returns on capital, balance-sheet strength, and valuation.
How our ratings work →Where does BCS's data come from?
Live price data plus real fundamentals and 5-year financials pulled directly from Barclays PLC's SEC filings — refreshed automatically, not hand-entered.
How is the 5-year projection for BCS calculated?
It's a scenario model: it grows revenue at an assumed rate, applies a profit margin and a valuation multiple, and shows the resulting share-price range. The assumptions are yours to change — it's a tool for thinking, not a prediction.
Is this BCS analysis financial advice?
No. Everything on this page is educational research, not financial advice or a recommendation to buy or sell BCS. Always do your own research and consider a licensed professional.
Data notice. Fundamentals and financial statements are sourced from company filings (SEC EDGAR) and market-data providers; prices and market caps refresh on trading days and may be delayed. Ratings, projections, technical signals, and written summaries are model- or rule-generated for education and may simplify or lag the latest filings.
Not advice. Nothing on this page is investment advice or a recommendation to buy, hold, or sell any security. Do your own research and consult a licensed financial professional before investing.