Barclays ( BCS) Company profile: Barclays, based in the U.K., is one of the largest banks in the world, and in addition to its retail and business customer operations in Europe, Africa and Asia, runs a a debt-focused investment bank, and it owns Barclaycard, a large credit card issuer. Investor takeaway: Down 32% last year, its shares are up 28% this year. S&P's survey of analysts found that two have it rated "buy," one has it rated "buy/hold," and two have it rated "hold." Morningstar analysts are extremely cautious, noting that: "For now, Barclays sports a healthy core Tier 1 ratio of 11% as of Sept. 30. Proposed changes in U.K. and global regulations may leave Barclays short of capital, and we now see a 50% chance that the bank will need to raise capital to meet higher expectations."