Barclays PLC (BARC) Fair Value & Analysis
Financial Services · GB · Market cap 69.1B GBX
Fair value as of: Jul 12, 2026
From 25 valuation models · updated 26 days ago
Fair value updated Jul 12, 2026, revised from £6.88 to £6.91 (+0.4%) since Jun 26, 2026. Share price +0.8% over the past month.
A solid business, screening 35% 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.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 12, 2026.
How to read this chart
60‑month range £1.17 – £5.23 · fair‑value band £5.18 – £8.64 · the £5.13 price screens below the £6.91 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 12, 2026.
Analysis
Barclays PLC (BARC) currently trades at £5.13, while our model-based Fair Value estimate is £6.91, implying the stock looks roughly 34.8% 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 £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%. The balance sheet holds a net cash position of £9.8B. Fundamentals as of Jul 12, 2026
Our scenario range runs from £5.18 (bear case) to £8.64 (bull case); at £5.13, the current price sits below that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. For context, the median of 10 Financial Services peers we cover trades at 16% fair-value upside, at 35%, BARC 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.
All 25 models by family
Widest divergence: DCF Models (£25.91) versus Dividend Discount (£2.30). Highest evidence: Growth DCF (80).
Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Jul 12, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 67 · Market factors (momentum, volatility) 73
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 £50.8B in FY2025 versus £25.1B in FY2021, a compound +19.3%/yr. Reported net income was £7.2B in FY2025, compounding +0.6%/yr from FY2021.
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Recent news
External third-party headlines (Yahoo Finance, Reuters and others), not an editorial selection.
- Barclays in legal fight over collapsed shadow bank’s cash
- Former Barclays chief Jenkins raises £40m for tech platform 10x Banking
- Tax raid on banks would damage economy, Barclays chief warns
- Barclays profits surge 17% as investment bank cashes in on trading spurt
Peer Group
Banks - Diversified · 47 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.
Valuation Multiples vs Banks - Diversified median · lower = cheaper
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.
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
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 12, 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
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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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