Bank Of Cyprus Holdings PCL (BKCYF) fair value: what the stock is really worth
As of Sep 18, 2026: fair value of Bank Of Cyprus Holdings PCL $10.70, price $12.90, upside -17.1%, quality 68 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. As of Sep 23, 2026.
How to read this chart
60‑month range $0.0012 – $12.90 · fair‑value band $8.53 – $16.76 · the $12.90 price screens above the $10.70 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). 1 fiscal year is left out: there the valuation rested on only a fraction of the usual models. As of Sep 23, 2026.
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Bank of Cyprus Holdings, through its subsidiaries, provides various banking and financial services in Cyprus, Greece, the United Kingdom, the United States, Canada, Germany, France, Romania, Russia, Ukraine, Belarus, Israel, and internationally.
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Bank of Cyprus Holdings, through its subsidiaries, provides various banking and financial services in Cyprus, Greece, the United Kingdom, the United States, Canada, Germany, France, Romania, Russia, Ukraine, Belarus, Israel, and internationally. The company operates through eight segments: Corporate, Small and Medium-sized Enterprises, and Retail; IBU and International Corporate; Restructuring and Recoveries Unit; Real Estate Management Unit; Treasury; Insurance; Payment Services; and Other. It offers current, salary, savings, sight, payment, quick, traditional and business fixed-term deposit, and notice accounts; housing, consumer, student, and business loans; debit, credit, prepaid, virtual, youth culture, quick, and special cards; and insurance products. The company also provides digital wallets; digital and internet banking; services and payments, including instant, electronic, and overseas payments, as well as transfers and payments, mobile cheque deposit, fixed deposit and cash flow management, transaction security, trade facilities, notification services, project finance, and factor services. In addition, it offers markets and hedging products, such as foreign exchange, equities and funds, fixed income, commodities, and structure products; investment services comprising discretionary asset management, execution, and advisory services; depository and custody services; and institutional investment services. The company was formerly known as Bank of Cyprus Public Company Limited and changed its name to Bank of Cyprus Holdings in January 2017. Bank of Cyprus Holdings was founded in 1899 and is headquartered in Nicosia, Cyprus.
Stock analysis
Bank Of Cyprus Holdings PCL (BKCYF) currently trades at $12.90, while our model-based Fair Value estimate is $10.70, implying the stock looks roughly 20.6% overvalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of $9.42 per share, and 1 of the 6 models we run sit above the $12.90 price.
Bear case: the Asset-Based group reads lowest at $4.51, and 5 of the 6 models stay below the price. Evidence for this calculation is medium.
Scenario range: $8.53 (bear) to $16.76 (bull), the price of $12.90 sits inside 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 68/100 (solid quality), in the Financial Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
Bank Of Cyprus Holdings PCL reported revenue of €1.2B in FY2025 versus €647M in FY2021, a compound +15.6%/yr. Reported net income was €481M in FY2025, compounding +100.5%/yr from FY2021. FY2021 was a trough year, so the rate overstates the trend.
Key figures
Market cap $5.7B · P/E ratio 10.1 · P/S ratio 4.20 · EPS (TTM) $1.28 · Dividend yield 5.4% · Net margin 41.6% · Return on equity 16.2% · Return on assets (EBIT) 1.4%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 48 out of 100 (low confidence).
What moves the price
For context, the median of 10 Financial Services peers we cover trades at −38% fair-value upside, at −17%, BKCYF screens cheaper than that median.
Fair Value models
Bear $8.53Fair Value $10.70Bull $16.76
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 ($0.4243 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.80/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
−10.0%
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.
+15.4%
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.
+7.8%
Start year 2020 (pandemic). Over 10 years: −4.1% a year
Revenue growth 12 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.
−3.0%
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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.
+84.8%
Earnings growth per share plus dividend.
Earnings per share, growth per year+79.4%
Dividend (yield on the price)5.4%
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.79% vs 66%, 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.−21% → 48%
Start year 2020 (pandemic)
Growth Forecast
Little optimism in the price
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
less than -40 %
Yearly growth needed for the next five years to justify today's price.
What forecasts expect ⓘAnalysts publish sales forecasts for the next two fiscal years. For the years after that, growth slows evenly to 2 % a year by year ten (2 % is the long-run rate our models use). Projected years are marked as such.
+0.6%
Yearly sales growth analysts expect, extended to five years.
After inflation (figures in EUR, euro area: IMF forecast 2.2% a year to 2030, 2.6% from 2016 to 2025) that is about −1.5% a year for the forecasts.
News mood ⓘNews mood, the average tone of recent news (12 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.Very negative
Compare Bank Of Cyprus Holdings PCL with another stock
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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 - Regional · 1074 stocks
Beats the industry median on 8/13 measures
Overall it ranks above its industry peers.
Valuation
Quality Score77 · Top 25%
Fair Value upside−17% · Below median
Profitability
Return on equity (TTM)16% · Top 25%
Return on assets2% · Top 25%
Net margin (TTM)48% · Top 25%
Operating margin (TTM)59% · Top 25%
Growth and dividend
Revenue growth4% · Below median
Dividend yield (TTM)5.4% · Top 25%
Balance sheet
Debt / equity0.43× · Above median
Valuation Multiplesvs Banks - Regional median · lower = cheaper
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Cite: Fair Value Calculator (2026). "Bank Of Cyprus Holdings PCL Fair Value". https://www.fairvalue-calculator.com/stock/BKCYF
Frequently asked questions
Is Bank Of Cyprus Holdings PCL (BKCYF) overvalued or undervalued?
As of Sep 23, 2026, our model estimates a fair value of $10.70 versus a price of $12.90, about −17% upside (overvalued).
What is the fair value of BKCYF?
Our model-based fair value for Bank Of Cyprus Holdings PCL is $10.70 (as of Sep 23, 2026), built from audited fundamentals. The current price: $12.90.
What is the quality score of BKCYF?
Bank Of Cyprus Holdings PCL has a Quality Score of 68/100. 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 Bank Of Cyprus Holdings PCL (BKCYF)?
Our model-based price target is the fair value of $10.70 (as of Sep 23, 2026) from 6 valuation models. Cautious scenario $8.53, optimistic scenario $16.76. It is a calculation from audited fundamentals, not an analyst target.
What is the Bank Of Cyprus Holdings PCL stock forecast for 2026?
Our models put fair value at $10.70, about −17% upside versus a price of $12.90 (overvalued). Cautious scenario $8.53, optimistic scenario $16.76. The calculation is refreshed regularly with new filings.
What is the revenue of Bank Of Cyprus Holdings PCL (BKCYF)?
Bank Of Cyprus Holdings PCL reported trailing-twelve-month revenue of about €1.0B (latest available figure, as of Sep 23, 2026).
Does Bank Of Cyprus Holdings PCL pay a dividend?
Bank Of Cyprus Holdings PCL currently shows a dividend yield of about 5.43% relative to its recent price (as of Sep 23, 2026).
What growth is priced into Bank Of Cyprus Holdings PCL (BKCYF)?
For today's price to be fair in a discounted-cash-flow model, Bank Of Cyprus Holdings PCL would have to grow free cash flow by less than minus 40 % per year for five years (discount rate 8.5 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +7.8 % per year. As of Sep 23, 2026.
What discount rate (WACC) does the fair value of BKCYF use?
Our models discount Bank Of Cyprus Holdings PCL at 8.5 %: a base by market capitalisation (mid), damped by beta 0.47, country premium for USA. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Bank Of Cyprus Holdings PCL that is less than minus 40 % per year a year over ten years, using the same discount rate (8.5 %) and the same formula as our fair value.
How much growth has Bank Of Cyprus Holdings PCL (BKCYF) delivered so far?
Over the past 5 years revenue at Bank Of Cyprus Holdings PCL grew +7.8 % a year. The price currently implies less than minus 40 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of Bank Of Cyprus Holdings PCL (BKCYF) growing?
The median revenue growth in the sector is +8.4 % a year. That is the yardstick for the growth priced into Bank Of Cyprus Holdings PCL (less than minus 40 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Bank Of Cyprus Holdings PCL (BKCYF)?
The free-cash-flow yield on the price is 33.49 %: that much free cash flow Bank Of Cyprus Holdings PCL produces per unit of market value. When it exceeds the discount rate of our models (8.5 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Bank Of Cyprus Holdings PCL (BKCYF)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Bank Of Cyprus Holdings PCL it is $10.70 per share (as of Sep 23, 2026), against a price of $12.90. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is Bank Of Cyprus Holdings PCL stock overvalued or undervalued in 2026?
As of Sep 23, 2026, BKCYF trades above its calculated fair value: price $12.90, fair value $10.70, a gap of about −17% (overvalued). 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 BKCYF?
No. The price is what the market pays today ($12.90); the fair value is what the company's own numbers justify ($10.70). For Bank Of Cyprus Holdings PCL the two are $2.20 per share apart. That gap is exactly why we show both numbers side by side.
How much is Bank Of Cyprus Holdings PCL worth?
The market values Bank Of Cyprus Holdings PCL at about $5.7B (market capitalisation, as of Sep 23, 2026). Per share that is $12.90; our models calculate a fair value of $10.70 per share.
What do the bullish and bearish scenarios say about BKCYF?
Our models span a range for Bank Of Cyprus Holdings PCL: cautious scenario $8.53, base $10.70, optimistic $16.76 per share (as of Sep 23, 2026, price $12.90). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of BKCYF?
Bank Of Cyprus Holdings PCL trades at a price-to-earnings ratio of 10.1 (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 $10.70 is built from several models across several years. Other multiples: P/B 1.9, P/S 5.6.
How solid is the balance sheet of Bank Of Cyprus Holdings PCL (BKCYF)?
Balance-sheet figures for Bank Of Cyprus Holdings PCL (as of Sep 23, 2026): return on equity 16.2%, debt of 0.43 per unit of equity. They feed the Quality Score of 68/100, which measures business quality independently of the share price.
Which stocks are comparable to Bank Of Cyprus Holdings PCL?
From the same area (Financial Services) we also value DBS Group, China Merchants Bank Co, Intesa Sanpaolo S.p.A, HDFC Bank Limited, 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 Bank Of Cyprus Holdings PCL stock attractive at the current price?
The data as of Sep 23, 2026: price $12.90, calculated fair value $10.70 (−17%), Quality Score 68/100, 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 BKCYF calculated?
We run Bank Of Cyprus Holdings PCL 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 $10.70, 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 14.1 % above its aggregate fair value. Bank Of Cyprus Holdings PCL itself currently trades above fair value. 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 Bank Of Cyprus Holdings PCL (BKCYF)?
The closing price on Sep 18, 2026 was $12.90. Our model-based fair value is $10.70, about −17% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Bank Of Cyprus Holdings PCL right now?
Solid but not exceptional quality (68/100) and above fair value, neither a clear bargain nor a standout compounder. A fairly wide model range ($8.53 to $16.76) leaves room in how you read the outcome. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Key figures of Bank Of Cyprus Holdings PCL
How large is the market capitalisation of Bank Of Cyprus Holdings PCL (BKCYF)?
The market capitalisation of Bank Of Cyprus Holdings PCL is $5.7B. 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 Bank Of Cyprus Holdings PCL (BKCYF)?
The price-to-sales ratio of Bank Of Cyprus Holdings PCL is 4.20 (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 Bank Of Cyprus Holdings PCL (BKCYF)?
Earnings per share at Bank Of Cyprus Holdings PCL are $1.28 (price ÷ EPS = P/E 10.1). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Bank Of Cyprus Holdings PCL (BKCYF)?
The dividend yield of Bank Of Cyprus Holdings PCL is 5.4% (payout 54.7%). 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 Bank Of Cyprus Holdings PCL (BKCYF)?
The net margin of Bank Of Cyprus Holdings PCL is 41.6% (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 Bank Of Cyprus Holdings PCL (BKCYF)?
The return on equity (ROE) of Bank Of Cyprus Holdings PCL is 16.2% (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 Bank Of Cyprus Holdings PCL (BKCYF)?
On an EBIT basis the return on assets of Bank Of Cyprus Holdings PCL is 1.4% (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 Bank Of Cyprus Holdings PCL (BKCYF)?
The operating margin of Bank Of Cyprus Holdings PCL is 59.1% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Bank Of Cyprus Holdings PCL (BKCYF)?
Revenue at Bank Of Cyprus Holdings PCL is growing +4.1% versus a year earlier (3y avg +15.4%). 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 Bank Of Cyprus Holdings PCL (BKCYF)?
Earnings per share at Bank Of Cyprus Holdings PCL are growing +4.2% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net cash does Bank Of Cyprus Holdings PCL (BKCYF) hold?
Bank Of Cyprus Holdings PCL holds more cash than debt, €6.6B net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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Some data
Sep 23, 2026