Barclays PLC (BCS) 10-Year Financial Performance & Capital Metrics

BCS • • Banking & Credit

Financial ServicesDiversified BanksGlobal Universal BanksEuropean Global Banking Leaders

AboutBarclays PLC provides various financial services in the United Kingdom, Europe, the Americas, Africa, the Middle East, and Asia. The company operates through Barclays UK; Barclays UK Corporate Bank; Barclays Private Bank and Wealth Management; Barclays Investment Bank; and Barclays US Consumer Bank segments. It offers financial services, such as retail banking, credit cards, wholesale banking, investment banking, wealth management, and investment management services, as well as lending products. In addition, the company engages in securities dealing activities and issuing of credit cards. The company was formerly known as Barclays Bank public limited company and changed its name to Barclays PLC in January 1985. Barclays PLC was founded in 1690 and is headquartered in London, the United Kingdom.Show more

Net Interest Income $12.94B +1.8%
Total Revenue $51.62B +119.7%
Net Income $6.31B +19.9%
Return on Equity 8.74% +17.3%
Net Interest Margin 0.85% -0.9%
Efficiency Ratio 35.11% -56.2%
ROA 0.42% +19.8%
Equity / Assets 4.77% -1.8%
Book Value per Share 18.99 +5.0%
Tangible BV/Share 16.82 +4.3%
Debt/Equity 2.56 +4.3%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Efficient operations: 35.1% efficiency ratio
✓Momentum leader: RS Rating 81 (top 19%)
✓Healthy dividend yield of 2.3%
✓Share count reduced 3.9% through buybacks
✓Trading near 52-week high
✓Trading at only 1.4x book value

✗Weaknesses

✗High debt to equity ratio of 2.6x
✗Weak NIM of 0.9%
✗Thin capital base

Price & Volume

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Growth Metrics

Revenue CAGR

10Y7.19%

5Y13.28%

3Y31.71%

TTM-

Profit (Net Income) CAGR

10Y55.56%

5Y14.01%

3Y-3.46%

TTM32.36%

EPS CAGR

10Y-

5Y20.11%

3Y-0.93%

TTM45.48%

ROCE

10Y Avg0.8%

5Y Avg0.9%

3Y Avg0.98%

Latest0.96%

Peer Comparison

European Global Banking Leaders

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
BCSBarclays PLC	89.51B	25.90	18.50	119.69%	12.22%	9%	6.19%	2.56
SANBanco Santander, S.A.	177.87B	12.11	15.73	6.6%	9.68%	12.38%		4.50
BBVABanco Bilbao Vizcaya Argentaria, S.A.	136.53B	24.09	14.34	16.23%	31.85%	17.26%		2.41
HSBCHSBC Holdings plc	284.37B	82.83	13.36	8.7%	39.15%	10.56%	21.6%	1.26

Profit & Loss

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Net Interest Income+	10.61B	10.54B	9.85B	9.06B	9.41B	8.12B	8.07B	10.57B	12.71B	12.94B
NII Growth %	0.05%	-0.01%	-0.07%	-0.08%	0.04%	-0.14%	-0.01%	0.31%	0.2%	0.02%
Net Interest Margin %	-	-	-	-	-	-	-	-	-	-
Interest Income	13.95B	14.54B	13.63B	14.54B	15.46B	11.89B	11.24B	19.1B	35.08B	38.33B
Interest Expense	3.35B	4B	3.79B	5.48B	6.05B	3.77B	3.17B	8.52B	22.37B	25.39B
Loan Loss Provision	0	0	0	0	0	0	0	0	0	0
Non-Interest Income+	11.54B	6.91B	7.45B	6.59B	12.22B	13.49B	11.35B	4.64B	-11.58B	13.29B
Non-Interest Income %	-	-	-	-	-	-	-	-	-	-
Total Revenue+	25.49B	21.45B	21.08B	21.14B	27.67B	25.39B	22.59B	23.74B	23.5B	51.62B
Revenue Growth %	-0.01%	-0.16%	-0.02%	0%	0.31%	-0.08%	-0.11%	0.05%	-0.01%	1.2%
Non-Interest Expense	20.88B	18.2B	17.53B	17.64B	17.27B	18.55B	13.76B	18.01B	18.83B	18.12B
Efficiency Ratio	-	-	-	-	-	-	-	-	-	-
Operating Income+	4.94B	4.94B	4.84B	5.77B	4.36B	3.06B	9.03B	8.84B	7.6B	8.11B
Operating Margin %	-	-	-	-	-	-	-	-	-	-
Operating Income Growth %	0.48%	0%	-0.02%	0.19%	-0.25%	-0.3%	1.95%	-0.02%	-0.14%	0.07%
Pretax Income+	1.15B	3.23B	3.54B	3.49B	4.36B	3.06B	8.19B	7.01B	6.56B	8.11B
Pretax Margin %	-	-	-	-	-	-	-	-	-	-
Income Tax+	1.45B	993M	2.24B	1.12B	1B	604M	1.14B	1.04B	1.23B	1.75B
Effective Tax Rate %	-	-	-	-	-	-	-	-	-	-
Net Income+	-49M	2.08B	-1.28B	2.15B	3.27B	2.38B	7.01B	5.93B	5.26B	6.31B
Net Margin %	-	-	-	-	-	-	-	-	-	-
Net Income Growth %	-1.64%	43.45%	-1.62%	2.67%	0.53%	-0.27%	1.94%	-0.15%	-0.11%	0.2%
Net Income (Continuing)	-3M	2.24B	1.48B	2.58B	3.35B	2.46B	7.06B	5.97B	5.32B	6.36B
EPS (Diluted)+	-0.08	0.40	-0.40	0.37	0.56	0.34	1.44	1.20	1.08	1.40
EPS Growth %	-1.71%	6.26%	-2%	1.93%	0.51%	-0.39%	3.24%	-0.17%	-0.1%	0.3%
EPS (Basic)	-0.08	0.40	-0.40	0.38	0.56	0.35	1.48	1.24	1.12	1.44
Diluted Shares Outstanding	4.26B	4.26B	4.32B	4.35B	4.37B	4.42B	4.36B	4.22B	3.97B	3.82B

Balance Sheet

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash & Short Term Investments+	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Cash & Due from Banks	50.72B	102.35B	171.08B	177.07B	150.26B	191.13B	238.57B	256.35B	224.63B	210.18B
Short Term Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Total Investments+	363.83B	432.22B	352.17B	344.65B	330.22B	449.87B	411.81B	468.76B	413.36B	450.78B
Investments Growth %	-0.39%	0.19%	-0.19%	-0.02%	-0.04%	0.36%	-0.08%	0.14%	-0.12%	0.09%
Long-Term Investments	258.3B	338.52B	128.96B	126.35B	121.14B	183.63B	129.06B	182.69B	99.68B	151.29B
Accounts Receivables	0	0	0	0	0	0	0	0	0	0
Goodwill & Intangibles+	-	-	-	-	-	-	-	-	-	-
Goodwill	4.61B	3.92B	3.9B	3.91B	3.9B	3.89B	3.89B	3.91B	4.18B	4.45B
Intangible Assets	3.62B	3.81B	3.95B	4.07B	4.22B	4.06B	4.17B	4.33B	3.62B	3.83B
PP&E (Net)	3.33B	2.74B	2.46B	2.53B	4.2B	4.03B	3.55B	3.61B	3.42B	3.6B
Other Assets	686.4B	660.32B	593.85B	597.24B	644.14B	693.1B	717.67B	769.75B	822.33B	839.04B
Total Current Assets	159.27B	198.94B	396.68B	395.37B	359.34B	457.38B	521.33B	542.42B	538.31B	509.67B
Total Non-Current Assets	960.75B	1.01T	736.57B	737.91B	780.89B	892.14B	862.96B	971.28B	939.18B	1.01T
Total Assets+	1.12T	1.21T	1.13T	1.13T	1.14T	1.35T	1.38T	1.51T	1.48T	1.52T
Asset Growth %	-0.18%	0.08%	-0.07%	0%	0.01%	0.18%	0.03%	0.09%	-0.02%	0.03%
Return on Assets (ROA)	-0%	0%	-0%	0%	0%	0%	0.01%	0%	0%	0%
Accounts Payable	0	0	0	0	0	0	0	0	0	0
Total Debt+	90.62B	99.31B	139.72B	149.52B	145.65B	144.02B	166.59B	183.37B	176.55B	185.75B
Net Debt	39.9B	-3.04B	-31.36B	-27.55B	-4.61B	-47.11B	-71.98B	-72.98B	-48.08B	-24.44B
Long-Term Debt	90.62B	99.31B	139.72B	149.52B	145.65B	144.02B	166.59B	183.37B	176.55B	185.75B
Short-Term Debt	0	0	0	0	0	0	0	0	0	0
Other Liabilities	464.24B	617.01B	487.01B	455.59B	450.69B	588.47B	544.81B	601.33B	588.06B	596.02B
Total Current Liabilities	499.29B	425.43B	440.5B	464.4B	478.23B	550.15B	602.85B	659.74B	641.01B	663.95B
Total Non-Current Liabilities	554.86B	716.33B	626.73B	605.1B	596.34B	732.49B	711.4B	784.7B	764.61B	781.77B
Total Liabilities	1.05T	1.14T	1.07T	1.07T	1.07T	1.28T	1.31T	1.44T	1.41T	1.45T
Total Equity+	65.86B	71.36B	66.02B	63.78B	65.66B	66.88B	70.04B	69.26B	71.86B	72.48B
Equity Growth %	-0%	0.08%	-0.07%	-0.03%	0.03%	0.02%	0.05%	-0.01%	0.04%	0.01%
Equity / Assets (Capital Ratio)	-	-	-	-	-	-	-	-	-	-
Return on Equity (ROE)	-0%	0.03%	-0.02%	0.03%	0.05%	0.04%	0.1%	0.09%	0.07%	0.09%
Book Value per Share	15.45	16.75	15.28	14.68	15.02	15.14	16.08	16.42	18.08	18.99
Tangible BV per Share	-	-	-	-	-	-	-	-	-	-
Common Stock	21.59B	21.84B	4.26B	4.28B	4.33B	4.34B	4.19B	3.97B	3.79B	3.6B
Additional Paid-in Capital	17.39B	17.6B	17.78B	28M	263M	297M	348M	405M	499M	581M
Retained Earnings	31.02B	30.53B	27.54B	43.46B	44.2B	45.53B	50.49B	52.83B	53.73B	56.03B
Accumulated OCI	0	0	0	0	0	15.63B	14.03B	11.09B	13.18B	11.61B
Treasury Stock	0	0	0	0	0	0	0	0	0	0
Preferred Stock	0	0	0	0	0	0	0	0	0	0

Cash Flow

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash from Operations+	16.13B	11.29B	60.71B	8.5B	-12.29B	57.51B	48.92B	30.23B	-927M	7.11B
Operating CF Growth %	2.54%	-0.3%	4.38%	-0.86%	-2.45%	5.68%	-0.15%	-0.38%	-1.03%	8.67%
Net Income	2.07B	3.23B	3.54B	3.49B	4.36B	3.06B	8.41B	7.01B	6.56B	8.11B
Depreciation & Amortization	1.32B	1.26B	1.24B	1.26B	1.52B	1.73B	2.08B	1.79B	1.78B	1.7B
Deferred Taxes	0	0	0	0	-481M	-431M	-477M	-513M	0	0
Other Non-Cash Items	3.76B	-17.4B	4.07B	-824M	4.63B	2.59B	1.39B	-10.99B	12.63B	3.64B
Working Capital Changes	8.97B	24.19B	51.85B	4.57B	-22.8B	50.12B	37.04B	32.42B	-21.9B	-6.33B
Cash from Investing+	-8.43B	36.71B	3.5B	678M	-12.83B	-18.38B	4.27B	-21.67B	-23.41B	-17.89B
Purchase of Investments	-120.25B	-65.09B	-83.13B	-106.67B	-92.36B	-106.42B	-88.17B	-97.11B	-86.39B	-109.92B
Sale/Maturity of Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Net Investment Activity	-	-	-	-	-	-	-	-	-	-
Acquisitions	393M	595M	-702M	19M	46M	0	1.06B	0	-2.42B	-460M
Other Investing	-379M	390M	489M	1.19B	84M	-12M	7M	86M	23M	2.75B
Cash from Financing+	-441M	-1.32B	961M	-6.79B	690M	2.73B	107M	696M	-1.39B	784M
Dividends Paid	-1.5B	-1.3B	-1.27B	-1.66B	-1.91B	-936M	-1.36B	-1.93B	-2.26B	-2.26B
Share Repurchases	-679M	-1.73B	-1.92B	-4.07B	-3.08B	-1.41B	-1.67B	-4.13B	-5.25B	-5.03B
Stock Issued	1.28B	1.4B	2.49B	1.96B	3.58B	1.17B	1.12B	3.21B	3.25B	1.68B
Net Stock Activity	-	-	-	-	-	-	-	-	-	-
Debt Issuance (Net)	1000K	1000K	1000K	-1000K	1000K	1000K	1000K	1000K	1000K	1000K
Other Financing	-33.12B	44.79B	5.34B	27.75B	0	0	0	-45M	0	0
Net Change in Cash+	8.08B	57.55B	60.5B	6.55B	-27.78B	43.53B	49.06B	19.58B	-30.78B	-12.4B
Exchange Rate Effect	1000K	1000K	-1000K	1000K	-1000K	1000K	-1000K	1000K	-1000K	-1000K
Cash at Beginning	78.48B	86.56B	144.11B	204.61B	211.16B	166.61B	210.14B	259.21B	278.79B	248.01B
Cash at End	86.56B	144.11B	204.61B	211.17B	183.39B	210.14B	259.21B	278.79B	248.01B	235.61B
Interest Paid	0	0	0	0	0	0	0	0	0	0
Income Taxes Paid	0	0	0	0	0	0	0	0	0	0
Free Cash Flow+	15.28B	9.58B	59.26B	7.1B	-14.09B	56.18B	47.2B	28.48B	-2.65B	5.54B
FCF Growth %	2.38%	-0.37%	5.19%	-0.88%	-2.98%	4.99%	-0.16%	-0.4%	-1.09%	3.09%

Banking Ratios

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Return on Equity (ROE)	-0.07%	3.03%	-1.87%	3.31%	5.06%	3.6%	10.24%	8.51%	7.45%	8.74%
Return on Assets (ROA)	-0%	0.18%	-0.11%	0.19%	0.29%	0.19%	0.51%	0.41%	0.35%	0.42%
Net Interest Margin	0.95%	0.87%	0.87%	0.8%	0.83%	0.6%	0.58%	0.7%	0.86%	0.85%
Efficiency Ratio	81.9%	84.84%	83.18%	83.45%	62.4%	73.07%	60.9%	75.87%	80.13%	35.11%
Equity / Assets	5.88%	5.88%	5.83%	5.63%	5.76%	4.96%	5.06%	4.58%	4.86%	4.77%
Book Value / Share	15.45	16.75	15.28	14.68	15.02	15.14	16.08	16.42	18.08	18.99
NII Growth	5.18%	-0.67%	-6.57%	-7.95%	3.81%	-13.66%	-0.6%	30.95%	20.21%	1.79%
Dividend Payout	-	62.69%	-	77.26%	58.4%	39.28%	19.4%	32.61%	42.95%	35.85%

Frequently Asked Questions

Valuation & Price

Barclays PLC (BCS) has a price-to-earnings (P/E) ratio of 18.5x. This is roughly in line with market averages.

Growth & Financials

Barclays PLC (BCS) grew revenue by 119.7% over the past year. This is strong growth.

Yes, Barclays PLC (BCS) is profitable, generating $6.91B in net income for fiscal year 2024 (12.2% net margin).

Dividend & Returns

Yes, Barclays PLC (BCS) pays a dividend with a yield of 2.29%. This makes it attractive for income-focused investors.

Barclays PLC (BCS) has a return on equity (ROE) of 8.7%. This is below average, suggesting room for improvement.

Industry Metrics

Barclays PLC (BCS) has a net interest margin (NIM) of 0.9%. NIM has been under pressure due to interest rate environment.

Barclays PLC (BCS) has an efficiency ratio of 35.1%. This is excellent, indicating strong cost control.

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