BCS Financial Services

Barclays PLC

$22.40-0.93%

Price as of close on Nov 3, 2026 · Financials updated Nov 1, 2026

Basics

Sector: Financial Services
Industry: Banks - Diversified
Country: United Kingdom
Market cap: 74.5B USD
Full-time employees: 93,000

Overall health

Strength: its shares are priced lower than most peers relative to what it earnspriced lower than peers for its earnings
Drawback: less profitable than most peersless profitable than peers
About average: growth

Ranks #345 of 791 banks & insurance companies (top 44%)

Based on 3 categories: banks and insurers are not rated on risk.

Scored as a bank or insurer: cash-flow, EBITDA, gross margin and current ratio aren’t scored; they are under “Other data”.

See how it ranks against its peers

Worth knowing

Stock-based pay is a large cost. Stock pay was 20% of revenue in 2025.
Barclays paid employees GBP 2.2B in stock in 2025, 20% of its GBP 11.1B revenue. It doesn't use cash, so it flatters cash flow, but it is a real cost to shareholders through dilution.
Financials may be out of date. Latest financial period ended 10 months ago.
The latest financial period we have ended 10 months ago, so the scores may not reflect recent results.

StockQuotient Score

54/ 100

Oct 5 54 → Nov 4 54

Valuation

Is the price right?

83/100

Strong

2/2 inputs reported · High confidence

Since last quarter: No major changeValuation also moves with the share price every day.

Why

Stronger than most peers on:

▲ P/B
▲ Earnings yield

Compare with peers

Behind the score

Earnings yield (P/E) and book yield (P/B) versus other banks and insurers.

Book yield138.4%

SEC filings (IFRS mapped) · latest balance sheet · GBP→USD at the current rateReported value40% base weight · Z-score 2.07Sector median: 0.7950 · MAD: 0.2843

Earnings yield12.8%

SEC filings (IFRS mapped) · 12 months to Dec 2025 · GBP→USD at the current rateReported value60% base weight · Z-score 1.92Sector median: 0.0789 · MAD: 0.0253

Other data (not scored)

EBITDA yieldUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: 0.1095 · MAD: 0.0527

Free cash flow yield30.0%

SEC filings (IFRS mapped) · 12 months to Dec 2025 · GBP→USD at the current rate · operating cash flow − capital spendingReported valueInformational · 0% composite weightSector median: 0.0796 · MAD: 0.0459

Growth

Is it growing?

54/100

Moderate

1/1 inputs reported · High confidence

Since last quarter: No major change

Why

Close to the peer norm on every measure.

Compare with peers

Behind the score

Earnings-per-share growth versus other banks and insurers.

Earnings per share growth18.2%

SEC filings (IFRS mapped) · 12 months to Dec 2025Reported value100% base weight · Z-score 0.13Sector median: 0.1599 · MAD: 0.1775

Other data (not scored)

3-year revenue growth5.4%

SEC filings (IFRS mapped) · 3 years to Dec 2025Reported valueInformational · 0% composite weightSector median: 0.0826 · MAD: 0.0558

Revenue growth3.7%

SEC filings (IFRS mapped) · 12 months to Dec 2025Reported valueInformational · 0% composite weightSector median: 0.0866 · MAD: 0.0782

Profitability

Does it earn well?

25/100

Weak

2/2 inputs reported · High confidence

Since last quarter: No major change

Why

Weaker than most peers on:

▼ ROA
▼ ROE

Compare with peers

Behind the score

Return on equity and return on assets versus other banks and insurers.

Return on assets0.5%

SEC filings (IFRS mapped) · 12 months to Dec 2025Reported value50% base weight · Z-score -1.14Sector median: 0.0117 · MAD: 0.0062

Return on equity9.2%

SEC filings (IFRS mapped) · 12 months to Dec 2025Reported value50% base weight · Z-score -0.39Sector median: 0.1074 · MAD: 0.0388

Other data (not scored)

Gross marginUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: Unavailable · MAD: Unavailable

Operating marginUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: 0.1450 · MAD: 0.1678

Return on invested capitalUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: Unavailable · MAD: Unavailable

Risk

Debt, liquidity, price swings

Not rated

Not rated for banks and insurers: debt and share-price swings say little about their risk. We leave it blank rather than fill the gap with a made-up middle value.

Valuation, growth and profitability scores: higher is better. Risk: 0 is lower, 2 is higher. Risk is a relative proxy, not a bankruptcy probability. Scores depend on available sector peers.

Questions investors ask about Barclays

Is Barclays getting weaker?: Its latest SEC filing (Feb 10, 2026) showed no major changes. Its overall score is unchanged at 54/100 since Oct 28, 2026.
How is Barclays valued vs its peers?: Priced lower than most peers relative to what it earns. Valuation scores 83/100 against 950 banks & insurance peers. Book yield 138.4% vs a peer median of 79.5% (stronger than 83% of peers).Book yield 138.4% vs peers 79.5% (stronger than 83% of peers).
Is Barclays growing?: At about the same pace as its peers. Growth scores 54/100 against 950 banks & insurance peers.
How profitable is Barclays?: Less profitable than most of its peers. Profitability scores 25/100 against 950 banks & insurance peers. Return on assets 0.5% vs a peer median of 1.2% (weaker than 81% of peers).Return on assets 0.5% vs peers 1.2% (weaker than 81% of peers).
How risky is Barclays?: Not rated for banks and insurers: debt and share-price swings say little about their risk.

Latest filing: what changed

Quarter ended Dec 31, 2025 · filed Feb 10, 2026 · compared with the quarter ended Jun 30, 2025

No major changes

	Previous quarter	Latest quarter	Change
Revenue (12 months)	10.9B GBP	11.1B GBP	+1.7%
Net income (12 months)	7.0B GBP	7.2B GBP	+2.2%
Cash	252.8B GBP	256.5B GBP	+1.4%

From the company’s own SEC filings, as filed. Twelve-month figures roll forward one quarter at a time.

Financials

Fiscal years from SEC annual filings · change vs the prior year · amounts in GBP, as reported

Key ratios	FY 2021	FY 2022	FY 2023	FY 2024	FY 2025	Change
Operating margin	231.5%	—	—	—	—	—
Net margin	71.8%	62.4%	52.7%	58.9%	64.6%	▲ 5.7 pts
Return on assets (ROA)	0.5%	0.4%	0.4%	0.4%	0.5%	▲ 0.0 pts
Return on equity (ROE)	10.2%	8.7%	7.4%	8.8%	9.2%	▲ 0.4 pts
Interest coverage	7.13×	—	—	—	—	—

BCS price history

Price history is added with the daily price update and will appear after the next one.

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Bringing the fundamentals into focus…

Overall health

Strength: its shares are priced lower than most peers relative to what it earnspriced lower than peers for its earnings

Drawback: less profitable than most peersless profitable than peers

About average: growth

Ranks #345 of 791 banks & insurance companies (top 44%)

Based on 3 categories: banks and insurers are not rated on risk.

Scored as a bank or insurer: cash-flow, EBITDA, gross margin and current ratio aren’t scored; they are under “Other data”.

See how it ranks against its peers

Worth knowing

Stock-based pay is a large cost. Stock pay was 20% of revenue in 2025.

Barclays paid employees GBP 2.2B in stock in 2025, 20% of its GBP 11.1B revenue. It doesn't use cash, so it flatters cash flow, but it is a real cost to shareholders through dilution.

Financials may be out of date. Latest financial period ended 10 months ago.

The latest financial period we have ended 10 months ago, so the scores may not reflect recent results.

Questions investors ask about Barclays

Is Barclays getting weaker?

Its latest SEC filing (Feb 10, 2026) showed no major changes. Its overall score is unchanged at 54/100 since Oct 28, 2026.

How is Barclays valued vs its peers?

Priced lower than most peers relative to what it earns. Valuation scores 83/100 against 950 banks & insurance peers. Book yield 138.4% vs a peer median of 79.5% (stronger than 83% of peers).Book yield 138.4% vs peers 79.5% (stronger than 83% of peers).

Is Barclays growing?

At about the same pace as its peers. Growth scores 54/100 against 950 banks & insurance peers.

How profitable is Barclays?

Less profitable than most of its peers. Profitability scores 25/100 against 950 banks & insurance peers. Return on assets 0.5% vs a peer median of 1.2% (weaker than 81% of peers).Return on assets 0.5% vs peers 1.2% (weaker than 81% of peers).

How risky is Barclays?

Not rated for banks and insurers: debt and share-price swings say little about their risk.

Previous quarter

Latest quarter

Change

Revenue (12 months)

10.9B GBP

11.1B GBP

+1.7%

Net income (12 months)

7.0B GBP

7.2B GBP

+2.2%

Cash

252.8B GBP

256.5B GBP

+1.4%

Key ratios

FY 2021

FY 2022

FY 2023

FY 2024

FY 2025

Change

Operating margin

231.5%

—

Net margin

71.8%

62.4%

52.7%

58.9%

64.6%

▲ 5.7 pts

Return on assets (ROA)

0.5%

0.4%

0.5%

▲ 0.0 pts

Return on equity (ROE)

10.2%

8.7%

7.4%

8.8%

9.2%

▲ 0.4 pts

Interest coverage

7.13×

—