Paysera Bulgaria JSC (XBUL:PAY) ROCE %: -10.47% (As of Dec. 2025)

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XBUL:PAY Paysera Bulgaria JSC XBUL:PAY
13 GF Score
Price €2.48
! 2 Warning Signs
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What is Paysera Bulgaria JSC ROCE %?

Paysera Bulgaria JSC XBUL:PAY 13 ROCE % is -10.47% as of Dec. 2025. GuruFocus rates XBUL:PAY with a GF Score™ of 13/100. The stock has 2 warning signs investors should review.

ROCE % measures how well a company generates profits from its capital. It is calculated as EBIT divided by Capital Employed, where Capital Employed is calculated as Total Assets minus Total Current Liabilities. Paysera Bulgaria JSC's annualized ROCE % for the quarter that ended in Dec. 2025 was -10.47%.

Paysera Bulgaria JSC  (XBUL:PAY) ROCE % Explanation

ROCE % can be especially useful when comparing the performance of capital-intensive companies. Unlike ROE %, which indicates the profitability of Shareholders Equity, ROCE % also considers long-term debt in Capital Employed. This can be helpful when analyzing companies with significant debt, as the result is neutralized by taking debt into consideration.

Generally speaking, a higher ROCE % indicates a stonger profitability for a company. Moreover, it is important to look at the ratio from a long term perspective. Investors tend to favor companies with stable and rising ROCE % trend over those with volatile ones.

Paysera Bulgaria JSC ROCE % Related Terms

Paysera Bulgaria JSC ROCE % Historical Data

* Premium members only.

The historical data trend for Paysera Bulgaria JSC's ROCE % can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Paysera Bulgaria JSC ROCE % Chart

Paysera Bulgaria JSC Annual Data
Trend Dec21 Dec22 Dec23 Dec24 Dec25
ROCE %
14.71 4.40 -3.01 -8.36 -26.18

Paysera Bulgaria JSC Semi-Annual Data
Dec21 Dec22 Dec23 Jun24 Dec24 Jun25 Dec25
ROCE % Get a 7-Day Free Trial 0.00 -2.67 -5.26 -13.91 -10.47
XBUL:PAY
13GF Score
Paysera Bulgaria JSC XBUL:PAY
ROCE % is just one metric. See GF Score™, valuation, warning signs, and more.
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Paysera Bulgaria JSC ROCE % Calculation

Paysera Bulgaria JSC's annualized ROCE % for the fiscal year that ended in Dec. 2025 is calculated as:

ROCE %=EBIT/( (Capital Employed+Capital Employed)/ count )
(A: Dec. 2025 )  (A: Dec. 2024 )(A: Dec. 2025 )
=EBIT/( ( (Total Assets - Total Current Liabilities)+(Total Assets - Total Current Liabilities) )/ count )
(A: Dec. 2025 )  (A: Dec. 2024 )(A: Dec. 2025 )
=-0.326/( ( (1.826 - 0.247) + (1.395 - 0.484) )/ 2 )
=-0.326/( (1.579+0.911)/ 2 )
=-0.326/1.245
=-26.18 %

Paysera Bulgaria JSC's ROCE % of for the quarter that ended in Dec. 2025 is calculated as:

ROCE %=EBIT (1)/( (Capital Employed+Capital Employed)/ count )
(Q: Dec. 2025 )  (Q: Jun. 2025 )(Q: Dec. 2025 )
=EBIT/( ( (Total Assets - Total Current Liabilities)+(Total Assets - Total Current Liabilities) )/ count )
(Q: Dec. 2025 )  (Q: Jun. 2025 )(Q: Dec. 2025 )
=-0.12/( ( (1.817 - 0.435) + (1.395 - 0.484) )/ 2 )
=-0.12/( ( 1.382 + 0.911 )/ 2 )
=-0.12/1.1465
=-10.47 %

(1) Note: The EBIT data used here is one times the annual (Dec. 2025) EBIT data.

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Frequently Asked Questions Learn more about ROCE % →
What does a ROCE % of -10.47% mean?
Paysera Bulgaria JSC (XBUL:PAY) has a ROCE % of -10.47% as of Dec. 2025.
Is Paysera Bulgaria JSC's ROCE % too high?
Paysera Bulgaria JSC's current ROCE % is -10.47%. Overall, Paysera Bulgaria JSC has a GF Score™ of 13/100, reflecting its overall financial health beyond just this single metric.
How does Paysera Bulgaria JSC's ROCE % compare to MSFT and PLTR?
Paysera Bulgaria JSC's ROCE % of -10.47% can be compared against companies in the Software industry. The industry median ROCE % is 5.58. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROCE % for a Software company?
The median ROCE % among Software companies is 5.58, based on 2,726 companies in the industry. Companies in the top quartile (top 25%) have a ROCE % significantly above this median, while those in the bottom quartile fall well below. However, ROCE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high ROCE % mean?
A high ROCE % can signal that a stock is expensive relative to its fundamentals. For the Software industry, the median ROCE % is 5.58 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Paysera Bulgaria JSC's current ROCE % is -10.47%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Paysera Bulgaria JSC stock overvalued right now?
Paysera Bulgaria JSC (XBUL:PAY) has a current ROCE % of -10.47%. The current ROCE % is -10.47%. Paysera Bulgaria JSC's overall GF Score™ is 13/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROCE % calculated?
ROCE % is calculated from a company's financial statements. For Paysera Bulgaria JSC (XBUL:PAY), the current ROCE % is -10.47% as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Paysera Bulgaria JSC Business Description

Address Ami Bue str. 84, floor 4th, Sofia, BGR, 1612
Paysera Bulgaria JSC operates in Bulgaria and Romania. The company provides services related to electronic money issuance and redemption, domestic and international money transfers, payment gateway solutions for e-commerce, POS terminals, debit cards, event ticketing through Paysera Tickets, QR-based retailer payments, and gold trading and storage. Its operations include marketing, sales, customer service, and technical support adapted for the local markets.
13GF Score

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ROCE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

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