BCS vs HTT vs SLM Stock Comparison

Barclays, High Templar Tech and Slm Prices as of Oct 28, 2026 Peers: Industry group
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BCS Barclays Plc
$22.91 -6.9% 1M +6.2% 1Y
Market cap
$81.46B
P/E
7.6x
Revenue (TTM)
$41.50B
Div. yield
–
Money Center Banks Financial Services
6 wins
HTT High Templar Tech Ltd
$1.88 -21.0% 1M -60.3% 1Y
Market cap
$790.82M
P/E
–
Revenue (TTM)
—
Div. yield
–
Consumer Lending Financial Services
SLM SLM Corp
$17.72 -22.6% 1M -37.3% 1Y
Market cap
$3.37B
P/E
6.1x
Revenue (TTM)
$1.79B
Div. yield
0.03%
Consumer Lending Financial Services
3 wins

Head to Head

9 decided of 12

Barclays leads on 6 of the 12 questions below (Barclays 6, Slm 3). Which ones matter depends on what you are buying for; a cheap multiple and slow growth often come together.

QuestionBCSHTTSLMLeader
Larger companyMarket capitalisation $81.46B $790.82M $3.37B BCS
Cheaper on earningsLower P/E, profitable companies only 7.6x — 6.1x SLM
Cheaper on forward earningsLower price / next fiscal year consensus EPS 7.9x — 8.1x BCS
Faster revenue growthRevenue growth, trailing twelve months +9.5% — -6.7% BCS
More profitableNet margin, trailing twelve months 26.0% — 30.9% SLM
Better return on capitalReturn on invested capital — — 16.6% –
Less leveragedLower net debt / EBITDA — — 2.3x –
Higher dividend yieldTrailing dividend yield 0.00% 0.00% 0.03% –
Better 1-year returnPrice return, last 12 months +6.2% -60.3% -37.3% BCS
Better 5-year returnAnnualised price return, 5 years +15.4%/yr +2.4%/yr -0.7%/yr BCS
Less volatileAnnualised volatility, 1 year 31.0% 56.9% 42.5% BCS
Higher overall scoreMean of the five percentile scores vs peers 48/100 — 48/100 SLM

Percentile Scorecard

BCSHTTSLM

Each axis is the mean percentile of its metrics against the company's industry group. 100 is the best in the group, 50 the middle.

Scores by Axis

AxisBCSHTTSLM
Valuation 99 #5 of 361 – 48 #89 of 169
Growth 66 #59 of 172 – 27 #119 of 162
Profitability 18 #123 of 149 – 55 #68 of 149
Financial Health 1 #157 of 158 93 #12 of 158 36 #101 of 158
Shareholder Returns 56 #151 of 338 – 76 #33 of 136
Overall 48 – 48
  • BCS ranked among 368 companies in Banking
  • HTT ranked among 174 companies in Lending and Credit
  • SLM ranked among 174 companies in Lending and Credit

Price Performance

Price return, split-adjusted, before dividends. Click a name to hide or show it.

Returns

PeriodBCSHTTSLMSPY
1 month -6.9%-21.0%-22.6% +0.9%
3 months -12.1%-21.0%-31.0% +5.9%
6 months -0.4%-20.7%-22.9% +8.5%
Year to date -10.0%-47.0%-34.5% +13.3%
1 year +6.2%-60.3%-37.3% +12.4%
3 years +267.1%+4.4%+38.3% +88.1%
3 years, per year +54.3%+1.5%+11.4% +23.5%
5 years +104.7%+12.6%-3.4% +68.2%
5 years, per year +15.4%+2.4%-0.7% +11.0%
10 years +147.7%—+148.9% +263.4%
10 years, per year +9.5%—+9.5% +13.8%

Risk

MeasureBCSHTTSLMSPY
Volatility, 1Y 31.0%56.9%42.5% 12.7%
Downside volatility, 1Y 31.8%59.9%51.9% 12.7%
Beta vs S&P 500, 1Y 1.611.151.04 1.00
Return / volatility, 1Y 0.20-1.06-0.88 0.98
Max drawdown, 5Y -50.0%-64.4%-48.5% -25.4%
From 52-week high -19.8%-62.0%-42.6% -0.9%
52-week high $28.56$4.95$30.85 $779.14
52-week low $20.07$1.88$17.72 $631.97

Valuation History

Weekly multiples on trailing twelve-month fundamentals. Negative or extreme readings (a loss year, a collapsed denominator) are left out so the chart stays readable.

MultipleBCSHTTSLM
P/E now vs peer median 7.5xmedian 12.1x —median 11.4x 5.9xmedian 11.4x
P/S now vs peer median 1.9xmedian 3.4x —median 2.7x 1.8xmedian 2.7x
EV/EBITDA now vs peer median —median 5.1x —median 11.3x 4.0xmedian 11.3x
P/FCF now vs peer median —median 10.8x —median 6.9x -8.5xmedian 6.9x
P/B now vs peer median 0.8xmedian 1.2x 0.5xmedian 0.7x 1.4xmedian 0.7x
PEG now vs peer median 0.42median 1.32 —median 0.34 0.21median 0.34

Financial History

Reported figures by fiscal period, placed on the calendar year (or quarter) each period ended in, so companies with different fiscal years line up.

Trailing twelve monthsBCSHTTSLM
Revenue $41.50B – $1.79B
Net income $10.83B – $567.40M
Free cash flow – – -$381.64M
EPS (diluted) $2.95 – $2.98
Cash & equivalents $335.17B $561.74M $2.17B
Total debt $302.10B $879.65M $6.43B
Shares (diluted) 3.65B 500.73M 185.57M
Enterprise value -$1.63T -$2.24B -$12.97B

All Metrics

58 metrics · best in bold

Bold marks the best reading: the lowest positive value for multiples, leverage and payout, the highest for everything else. The bar under each value is its percentile against that company's own peers. Hover a value for its rank and the peer median.

Valuation

12 metrics
MetricBCSHTTSLM
P/E 7.5x – 5.9x
P/FCF – – -8.5x
P/Operating cash flow – – -8.5x
P/S 1.9x – 1.8x
P/B 0.8x 0.5x 1.4x
P/Tangible book 0.8x 0.5x 1.4x
EV/EBITDA – – 4.0x
EV/EBIT 16.4x – 4.1x
EV/Revenue -1.5x – 4.2x
EV/FCF – – -19.6x
EV/Operating cash flow – – -19.6x
PEG (3Y EPS CAGR) 0.42 – 0.21

Growth

14 metrics
MetricBCSHTTSLM
Revenue growth (1Y) 9.5% – -6.7%
Revenue CAGR (3Y) 9.8% – 1.6%
Gross profit growth (1Y) – – –
Gross profit CAGR (3Y) – – –
Operating income growth (1Y) – – –
Operating income CAGR (3Y) – – –
Net income growth (1Y) 19.1% – -9.0%
Net income CAGR (3Y) 10.5% – 19.1%
EPS growth (1Y) 29.0% – 3.4%
EPS CAGR (3Y) 17.8% – 28.7%
Operating cash flow growth (1Y) – – -15.8%
Operating cash flow CAGR (3Y) – – -47.7%
Free cash flow growth (1Y) – – -15.8%
Free cash flow CAGR (3Y) – – -47.7%

Profitability

14 metrics
MetricBCSHTTSLM
Gross margin – – –
EBITDA margin – – 104.4%
Operating margin – – –
Pretax margin 33.1% – 41.2%
Net margin 26.0% – 30.9%
FCF margin – – -21.3%
Operating cash flow margin – – -21.3%
Return on equity 10.4% – 24.0%
Return on assets 0.5% – 1.9%
Return on invested capital – – 16.6%
Return on capital employed – – –
Asset turnover 0.0x – 0.1x
Cash conversion (OCF / net income) – – -0.7x
Stock comp / revenue – – 2.6%

Financial Health

11 metrics
MetricBCSHTTSLM
Debt / assets 13.1% 16.0% 21.6%
Debt / equity 2.9x 0.2x 2.9x
Net debt / EBITDA – – 2.3x
Debt / FCF – – -16.9x
Liabilities / assets 95.5% 21.2% 92.4%
Equity / assets 4.5% 78.8% 7.6%
Interest coverage – – 1.7x
Current ratio – 4.8x –
Quick ratio – 2.4x –
Cash ratio – 2.4x –
Altman Z-score – – –

Shareholder Returns

7 metrics
MetricBCSHTTSLM
Dividend yield 2.7% – 2.9%
Net buyback yield – – 16.8%
Shareholder yield 2.7% – 19.8%
Payout ratio (earnings) – – 17.7%
Payout ratio (FCF) – – -26.3%
Dividend growth (1Y) – – -7.9%
Dividend CAGR (3Y) – – -1.1%

Analyst Estimates

Solid lines are reported fiscal-year results; dashed lines are the consensus for the years ahead. Hover a year for the analysts' high and low, and how each result compared with its estimate.

ConsensusBCSHTTSLM
Forward P/E 7.9xFY2026 – 8.1xFY2026
EPS, next fiscal year $2.91FY2026 $-0.04FY2024 $2.20FY2026
EPS growth, next FY +26.0%FY2026 -233.3%FY2024 -36.4%FY2026
EPS growth, the year after +12.7% – +30.5%
Revenue, next fiscal year $42.91BFY2026 $47.00MFY2024 $1.85BFY2026
Revenue growth, next FY +7.7%FY2026 +164.2%FY2024 -6.7%FY2026
Revenue growth, the year after -4.3% – -0.3%

Institutional Ownership

13F filings, quarter ended Jun 30, 2026
HoldersBCSHTTSLM
Held by institutions 8.5% 2.2% 100.0%
Institutions holding 556 42 387
Change in shares held, QoQ +2.9% -26.1% +2.4%
Institutions buying 306 14 193
Institutions selling 161 21 135
Buyers to sellers 1.90 0.67 1.43

Return Correlation

Daily returns, last 12 months

1.00 means two stocks move in lockstep, 0 that they move independently. Pairs below about 0.5 diversify each other.

BCSHTTSLM
BCS 1.00 0.17 0.35
HTT 0.17 1.00 0.12
SLM 0.35 0.12 1.00

Add a Peer

Largest companies in the same industry

Related Comparisons

Frequently Asked Questions

Which is bigger, BCS, HTT and SLM?

Barclays (BCS) is the largest by market capitalisation: Barclays (BCS) $81.46B, High Templar Tech (HTT) $790.82M, Slm (SLM) $3.37B.

Which stock is cheaper, BCS, HTT and SLM?

Slm (SLM) trades on the lowest price-to-earnings ratio (Barclays (BCS) 7.6x, Slm (SLM) 6.1x). On next year's consensus earnings, Barclays (BCS) is cheapest (Barclays (BCS) 7.9x, Slm (SLM) 8.1x). A lower multiple can reflect slower expected growth, so read it next to the growth figures.

Which company is growing faster?

Barclays (BCS) grew revenue fastest over the trailing twelve months: Barclays (BCS) +9.5%, Slm (SLM) -6.7%.

Which company is more profitable?

Slm (SLM) has the highest net margin (Barclays (BCS) 26.0%, Slm (SLM) 30.9%).

Which stock has performed better?

Over the past year Barclays (BCS) returned the most: Barclays (BCS) +6.2%, High Templar Tech (HTT) -60.3%, Slm (SLM) -37.3%. Over five years, Barclays (BCS) compounded fastest (Barclays (BCS) +15.4%/yr, High Templar Tech (HTT) +2.4%/yr, Slm (SLM) -0.7%/yr). Returns are price only, before dividends.

Which pays a higher dividend?

Only one of these companies pays a dividend: Barclays (BCS) 0.00%, High Templar Tech (HTT) 0.00%, Slm (SLM) 0.03%. Barclays (BCS) and High Templar Tech (HTT) pays no regular dividend.

Which stock is riskier?

By one-year price volatility, Barclays (BCS) has been the steadiest (Barclays (BCS) 31.0%, High Templar Tech (HTT) 56.9%, Slm (SLM) 42.5%). Volatility measures how widely the price swings, not the risk of the business.

Which is the better stock, BCS, HTT and SLM?

There is no single answer; it depends on what you are buying for. On the 12 head-to-head measures on this page, Barclays (BCS) leads on 6. Business Quant does not give investment advice; use the comparison as a starting point for your own research.

Data from SEC filings, exchange prices and consensus estimates, via Business Quant. Percentile scores compare each company with its own peer group, so two companies' scores are each relative to different peers unless you rank against the whole market. Price returns exclude dividends. Nothing on this page is investment advice.