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Barclays PLC (B1CS34) Fair Value & Analysis

Financial Services · BR · Market cap R$474B

BP Barclays PLC B1CS34 · SA
PriceR$139.44
Fair ValueR$188.94
Upside+35.5%
Quality70/100
Healthy Growth
Highly profitable · 26.8% net margin
Moderate debt · generates free cash flow
0.06% dividend yield
Mixed vs. peers (6/14)
Wide moat 67/100
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Evidence: High Range R$141.70 – R$236.17 Share as image

Fair value as of: Jul 13, 2026

From 20 valuation models · updated 20 days ago

Fair value updated Jul 13, 2026, revised from R$27.54 to R$188.94 (+586.1%) since Jun 26, 2026. Share price −1.8% over the past month.

A solid business, screening 36% undervalued on our models.

What matters now

  • The rarer combination: high quality (70/100) AND below fair value. That earns a closer look rather than a quick verdict.
  • For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
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Price vs Fair Value (5 years)

R$145.60 R$28.67 Fair Value R$188.94 Apr 2021 Jul 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 13, 2026.

How to read this chart

60‑month range R$28.67 – R$145.60 · fair‑value band R$141.70 – R$236.17 · the R$139.44 price screens below the R$188.94 fair value. Dashed = 300-day average. As of Jul 13, 2026.

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Analysis

Barclays PLC (B1CS34) currently trades at R$139.44, while our model-based Fair Value estimate is R$188.94, implying the stock looks roughly 35.5% undervalued today. We read business quality at 70/100 (solid quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high), always confirm before acting.

Over the trailing twelve months, Barclays PLC generated revenue of R$27.1B at a net margin of 26.8%. Revenue grew 3.9% year over year. It earns a return on equity of 9.6%. Net debt stands at R$17.6B. Fundamentals as of Jul 13, 2026

Our scenario range runs from R$141.70 (bear case) to R$236.17 (bull case); at R$139.44, the current price sits below that range. The share trades about 3% below its 52-week high and 50% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at 16% fair-value upside, at 36%, B1CS34 screens cheaper than that median.

Fair Value models

Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.

Model BearBaseBull Evidence
Highest evidence
Growth DCF R$547.75 R$693.89 R$908.33 80
Residual Income R$105.44 R$116.42 R$175.72 76
Rev-Margin DCF R$389.79 R$440.95 R$492.88 74
All 20 models by family
DCF Models
FCF DCF R$539.28 R$698.65 R$944.75 38
Owner Earnings R$364.03 R$430.97 R$534.32 31
5Y Revenue Exit R$389.79 R$440.53 R$500.36 39
5Y P/E Exit R$437.39 R$527.11 R$617.14 38
10Y Revenue Exit R$437.76 R$495.18 R$563.27 36
10Y P/E Exit R$470.89 R$555.80 R$652.15 35
Earnings-Based
Graham-Dodd R$75.56 R$202.58 R$265.07 54
Lynch FV R$39.45 R$56.33 R$73.26 50
PEG = 1.0 R$39.45 R$56.33 R$73.26 46
Dividend Discount
Gordon GGM R$33.55 R$73.26 R$123.26 70
DDM Multi-Stage R$33.55 R$53.14 R$75.03 61
Multiples
P/E Multiple R$166.73 R$222.28 R$277.87 63
P/S Multiple R$84.65 R$112.91 R$141.13 58
P/B Multiple R$141.71 R$188.94 R$236.18 55
EV/Revenue R$316.22 R$350.08 R$383.94 43
Asset-Based
NCAV (Graham) R$60.25 R$80.78 R$120.54 50
Growth DCF
Growth DCF R$547.75 R$693.89 R$908.33 80
Rev-Margin DCF R$389.79 R$440.95 R$492.88 74
Economic Profit
Residual Income R$105.44 R$116.42 R$175.72 76
Growth Earnings
Growth-Adj P/E R$131.78 R$188.26 R$244.80 68

Widest divergence: DCF Models (R$495.18) versus Dividend Discount (R$53.14). Highest evidence: Growth DCF (80).

Key figures & financial health

Revenue (TTM) R$27.1B
Revenue growth (YoY) +3.9%
Net margin 26.8%
Return on equity 9.6%
Free cash flow R$16.9B FY2025
P/E ratio 11.8
More key figures
Operating margin 39.8%
EPS (TTM) R$11.88
Dividend yield 0.1%
EPS growth (YoY) +8.1%
Net debt R$17.6B FY2019

Figures from reported company fundamentals · as of Jul 13, 2026. TTM = trailing twelve months.

Quality Score breakdown

Overall quality 70/100

Of which business quality 69 · Market factors (momentum, volatility) 68

Profitability 41
Margins and returns on capital today
Quality Growth 52
Are margins and returns improving?
Cashflow 98
Earnings quality: real cash, not paper profit
Fin. Strength 50
Balance sheet, leverage, solvency risk
Investment 83
Disciplined investing over empire-building
Low Volatility 69
Calm price path (market factor)
Momentum 61
Price trend over the last 3–12 months (market factor)
52W Momentum 77
Distance to the 52-week high (market factor)
Net Issuance 100
Buybacks instead of dilution

Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.

About the company

Barclays 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.

Full company description

Barclays 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 current accounts, savings accounts, mortgages and unsecured lending, such as credit cards and loans retail banking, 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.

Company description, as reported by the company or data provider.

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

Barclays PLC reported revenue of R$29.1B in FY2025 versus R$22.0B in FY2021, a compound +7.3%/yr. Reported net income was R$7.2B in FY2025, compounding −0.0%/yr from FY2021.

Growth Quality 77/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Latest Revenue (FY 2025)
R$29.1B
Latest YoY
+11.1%
Avg. growth/yr (3Y)
+5.3%
Avg. growth/yr (5Y)
+6.2%
Avg. growth/yr (7Y)
+4.7%
Revenue +7.3%/yr
FY21 R$22.0B
FY22 R$24.9B
FY23 R$25.4B
FY24 R$26.2B
FY25 R$29.1B
Net income −0.0%/yr
FY21 R$7.2B
FY22 R$5.9B
FY23 R$5.3B
FY24 R$6.3B
FY25 R$7.2B

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Cite: Fair Value Calculator (2026). "Barclays PLC Fair Value". https://www.fairvalue-calculator.com/stock/B1CS34

Recent news

External third-party headlines (Yahoo Finance, Reuters and others), not an editorial selection.

Peer Group

Banks - Diversified · 49 stocks

How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.

Quality Score 72 · Top 25%
Fair Value upside +36% · Above median
Return on equity (TTM) 10% · Below median
Return on assets 0% · Bottom 25%
Net margin (TTM) 27% · Below median
Operating margin (TTM) 40% · Below median
Revenue growth 4% · Below median
Dividend yield (TTM) 0.1% · Bottom 25%
Debt / equity 0.99× · Lower than median

Valuation Multiples vs Banks - Diversified median · lower = cheaper

P/E (TTM) 11.8× · Cheaper than median
P/B 1.21× · Cheaper than median
P/S (TTM) 3.46× · Cheaper than median
P/FCF 5.6× · Pricier than median
PEG 1.65× · Pricier than median

Snowflake

Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.

VALUE 81 · sector 38
FUTURE 20 · sector 25
PAST 38 · sector 42
HEALTH 51 · sector 48
DIVIDEND 1 · sector 67

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.

Similar stocks

10 more Banks - Diversified stocks, each showing price versus our Fair Value estimate (as of Jul 13, 2026).

Stock Price Fair Value vs Fair Value
JPMorgan Chase & Co JPM $341.10 $278.99 -18%
Bank of America Corporation BAC $59.67 $55.89 -6%
China Construction Bank Corporation 601939 ¥10.16 ¥17.20 +69%
Industrial and Commercial Bank of China Limited 601398 ¥7.50 ¥13.44 +79%
HSBC Holdings HSBC $100.52 $84.67 -16%
Agricultural Bank of China Limited 601288 ¥6.37 ¥11.85 +86%
Royal Bank of Canada RY C$305.74 C$190.48 -38%
Bank of China Limited 601988 ¥5.88 ¥9.80 +67%
Wells Fargo & Company WFCS C$23.58 C$27.40 +16%
Banco Santander, S.A SAN 51.02 PLN 55.60 PLN +9%

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Frequently asked questions

Is Barclays PLC (B1CS34) overvalued or undervalued?
As of Jul 13, 2026, our model estimates a fair value of R$188.94 versus a price of R$139.44, about +36% (undervalued).
What is the fair value of B1CS34?
Our model-based fair value for Barclays PLC is R$188.94 (as of Jul 13, 2026), built from audited fundamentals. The current price is R$139.44.
What is the quality score of B1CS34?
Barclays PLC has a Quality Score of 70/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.
What is the revenue of Barclays PLC (B1CS34)?
Barclays PLC reported trailing-twelve-month revenue of about R$27.1B (latest available figure, as of Jul 13, 2026).
What is the net profit margin of B1CS34?
The net profit margin of Barclays PLC is about 26.8%, meaning it keeps roughly 26.8% of revenue as net income. Based on the latest reported figures.
Does Barclays PLC pay a dividend?
Barclays PLC currently shows a dividend yield of about 0.07% relative to its recent price (as of Jul 13, 2026).

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.

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