Barclays PLC (BCS) fair value: what the stock is really worth
As of Sep 24, 2026: fair value of Barclays PLC $28.98, price $24.43, upside +18.6%, quality 48 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 23, 2026.
How to read this chart
60‑month range $5.31 – $28.56 · fair‑value band $26.42 – $40.55 · the $24.43 price screens below the $28.98 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 23, 2026.
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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.
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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.
Stock analysis
Barclays PLC ADR (BCS) currently trades at $24.43, while our model-based Fair Value estimate is $28.98, implying the stock looks roughly 15.7% undervalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of $27.61 per share, and 2 of the 6 models we run sit above the $24.43 price.
Bear case: the Dividend Discount group reads lowest at $10.33, and 4 of the 6 models stay below the price. Evidence for this calculation is medium.
Scenario range: $26.42 (bear) to $40.55 (bull), the price of $24.43 sits below it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 48/100 (below-average quality), in the Financial Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
Barclays PLC ADR 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.
Key figures
Market cap $84.3B · P/E ratio 10.4 · P/S ratio 1.47 · EPS (TTM) $2.34 · Dividend yield 0.4% · Net margin 14.1% · Return on equity 9.6% · Return on assets (EBIT) 0.5%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 38 out of 100 (medium confidence).
What moves the price
The share trades about 14% below its 52-week high and 28% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −19% fair-value upside, at 19%, BCS screens cheaper than that median.
Fair Value models
Bear $26.42Fair Value $28.98Bull $40.55
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then ($1.66 per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target.Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.55/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+31.4%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+16.9%
Revenue growth 33 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+3.8%
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What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
+62.4%
Earnings growth per share plus dividend.
Earnings per share, growth per year+62.0%
Dividend (yield on the price)0.4%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.62% vs 22%, picking up
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.12% → 18%
News mood ⓘNews mood, the average tone of recent news (98 articles), rated against how stocks are usually covered. 🚀 Hype = unusually upbeat · 🙂 Positive = above average · 😐 Neutral = typical · 🙁 Negative = below average · 😨 Very negative = unusually downbeat. It reflects the tone of coverage, not our valuation.Negative
Recent news coverage is more negative than average.
Price, fair value, quality and upside side by side.
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Peer Groupⓘ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.Banks - Diversified · 47 stocks
Beats the industry median on 5/13 measures
Overall it trails its industry peers.
Valuation
Quality Score54 · Below median
Fair Value upside+17% · Above median
Profitability
Return on equity (TTM)10% · Below median
Return on assets0% · Bottom 25%
Net margin (TTM)27% · Bottom 25%
Operating margin (TTM)40% · Bottom 25%
Growth and dividend
Revenue growth4% · Below median
Dividend yield (TTM)0.4% · Bottom 25%
Balance sheet
Debt / equity0.99× · Below median
Valuation Multiplesvs Banks - Diversified median · lower = cheaper
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As of Sep 23, 2026, our model estimates a fair value of $28.98 versus a price of $24.43, about +19% upside (undervalued).
What is the fair value of BCS?
Our model-based fair value for Barclays PLC ADR is $28.98 (as of Sep 23, 2026), built from audited fundamentals. The current price: $24.43.
What is the quality score of BCS?
Barclays PLC ADR has a Quality Score of 48/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Barclays PLC (BCS)?
Our model-based price target is the fair value of $28.98 (as of Sep 23, 2026) from 6 valuation models. Cautious scenario $26.42, optimistic scenario $40.55. It is a calculation from audited fundamentals, not an analyst target.
What is the Barclays PLC ADR stock forecast for 2026?
Our models put fair value at $28.98, about +19% upside versus a price of $24.43 (undervalued). Cautious scenario $26.42, optimistic scenario $40.55. The calculation is refreshed regularly with new filings.
What is the revenue of Barclays PLC (BCS)?
Barclays PLC ADR reported trailing-twelve-month revenue of about £27.1B (latest available figure, as of Sep 23, 2026).
Does Barclays PLC ADR pay a dividend?
Barclays PLC ADR currently shows a dividend yield of about 0.35% relative to its recent price (as of Sep 23, 2026).
What is the intrinsic value of Barclays PLC (BCS)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Barclays PLC ADR it is $28.98 per share (as of Sep 23, 2026), against a price of $24.43. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is Barclays PLC ADR stock overvalued or undervalued in 2026?
As of Sep 23, 2026, BCS trades below its calculated fair value: price $24.43, fair value $28.98, a gap of about +19% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of BCS?
No. The price is what the market pays today ($24.43); the fair value is what the company's own numbers justify ($28.98). For Barclays PLC ADR the two are $4.55 per share apart. That gap is exactly why we show both numbers side by side.
How much is Barclays PLC ADR worth?
The market values Barclays PLC ADR at about $84.3B (market capitalisation, as of Sep 23, 2026). Per share that is $24.43; our models calculate a fair value of $28.98 per share.
What do the bullish and bearish scenarios say about BCS?
Our models span a range for Barclays PLC ADR: cautious scenario $26.42, base $28.98, optimistic $40.55 per share (as of Sep 23, 2026, price $24.43). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of BCS?
Barclays PLC ADR trades at a price-to-earnings ratio of 10.4 (as of Sep 23, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $28.98 is built from several models across several years. Other multiples: PEG 1.6, P/B 1.1, P/S 3.1.
What is the PEG ratio of BCS?
The PEG ratio of Barclays PLC ADR is 1.58 (P/E divided by earnings growth, as of Sep 23, 2026). That is above 1, so the growth is already paid for in the price.
How solid is the balance sheet of Barclays PLC (BCS)?
Balance-sheet figures for Barclays PLC ADR (as of Sep 23, 2026): return on equity 9.6%, debt of 0.99 per unit of equity. They feed the Quality Score of 48/100, which measures business quality independently of the share price.
How far is BCS from its 52-week high?
Barclays PLC ADR trades at $24.43, about 14% below its 52-week high of $28.56 and 28% above the low of $19.13 (as of Sep 24, 2026). Distance from the high says nothing about value: that is what the fair value of $28.98 is for.
Which stocks are comparable to Barclays PLC ADR?
From the same area (Financial Services) we also value JPMorgan Chase & Co, Industrial and Commercial Bank of China Limited, China Construction Bank Corporation, Bank of America Corporation, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Barclays PLC ADR stock attractive at the current price?
The data as of Sep 23, 2026: price $24.43, calculated fair value $28.98 (+19%), Quality Score 48/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of BCS calculated?
We run Barclays PLC ADR through 6 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $28.98, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.0 % above its aggregate fair value. Barclays PLC ADR currently trades 19 % below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Barclays PLC (BCS)?
The closing price on Sep 24, 2026 was $24.43. Our model-based fair value is $28.98, about +19% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Barclays PLC ADR right now?
The price is below even our cautious bear case ($26.42). The market is more pessimistic than our downside scenario. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Where does the earnings growth of Barclays PLC (BCS) come from?
Earnings per share at Barclays PLC ADR grew +27.9 % a year from 2014 to 2025. Broken into its drivers: revenue per share +13.0 %, EBIT margin +5.1 %, tax rate +5.7 %, residual (interest, one-offs) +1.9 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.
Key figures of Barclays PLC ADR
How large is the market capitalisation of Barclays PLC (BCS)?
The market capitalisation of Barclays PLC ADR is $84.3B. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Barclays PLC (BCS)?
The price-to-sales ratio of Barclays PLC ADR is 1.47 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Barclays PLC (BCS)?
Earnings per share at Barclays PLC ADR are $2.34 (price ÷ EPS = P/E 10.4). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Barclays PLC (BCS)?
The dividend yield of Barclays PLC ADR is 0.4% (payout 3.7%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Barclays PLC (BCS)?
The net margin of Barclays PLC ADR is 14.1% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Barclays PLC (BCS)?
The return on equity (ROE) of Barclays PLC ADR is 9.6% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Barclays PLC (BCS)?
On an EBIT basis the return on assets of Barclays PLC ADR is 0.5% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Barclays PLC (BCS)?
The operating margin of Barclays PLC ADR is 39.8% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Barclays PLC (BCS)?
Revenue at Barclays PLC ADR is growing +3.9% versus a year earlier (3y avg +15.1%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Barclays PLC (BCS)?
Earnings per share at Barclays PLC ADR are growing +8.1% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Barclays PLC (BCS) generate?
The free cash flow of Barclays PLC ADR is −£8.1B (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net cash does Barclays PLC (BCS) hold?
Barclays PLC ADR holds more cash than debt, £9.8B net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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Sep 23, 2026